milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Taking out the loan or lease

Complaint: Navy Federal Credit Union is still reporting my vehicle loan as late for 90 days. I paid this car off XX/XX/2014, so I am not late on this, and upon payment, they stated they would delete this off of my credit profile since I asked for this because derogatory information was showing on my profile. They performed a " bait and switch '' just to get my payment. I paid them in full, and they are reporting my account late. They need to remove this off of my credit profile or at least remove any late payment history they have for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Application, originator, mortgage broker

Complaint: I have made several calls to Wells Fargo to inquire about their FHA mortgage loan requirements explaining each time I called that I had a bankruptcy in 2011 and a shortsale 2 years ago in XXXX. I was told that their requirements were that two years needed to pass for approval. After I filled out the online application including all my personal and financial information the same person that had told me about the two years called me to tell me that the requirements for FHA loans are three years. I do n't feel this was done in error I feel that they will use my personal and financial information for their illegal purposes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Hi, On XXXX XXXX, 2018, I was in the XXXX XXXX store, and wanted to pay for my car repair. 
They told me that we can apply here for our credit card, XXXX XXXX Credit Card, then you can pay this large amount in 6 months without any interest. Using my info, they applied and then they told me that your application was declined. I found out from the sales associate person that since they didn't have my full first name on file, they applied with a wrong name, and later on, in the mail, I received a mail from the credit company, XXXX XXXX XXXX XXXX ( XXXX ), that we were not able to verify your info with your social security number and so it was declined. 
So now, basically, due to their incorrect application, I have a hard inquiry listed on my credit report and I haven't got the credit card, and it's having a negative impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX we were struggling with our mortgage payments on our XXXX mortgage with citibank and we were underwater. They were offering loan modifications so we signed up. We had been in the house for 35 years and wanted to stay. That process of loan modification began a 2 year paperwork nightmare during which they told us to make {$1200.00} a month payments because that 's about what our future payments would be and we did. During the process they readily admitted they did not know exactly what they were doing. Eventually we were notified that our modified payments would be {$2200.00} a month, which is {$100.00} less than we had been paying before we started the modification process. The girl from citi actually said " Whoops! Guess we got that wrong! '' In addition, they applied back interest so instead of owing XXXX we now had a mortgage of if memory serves {$230000.00}. They agreed to a short sale but would not modify our mortgage to {$170000.00} and let us keep the house. We let it fall into foreclosure and citi sold it for {$80000.00} since it had fallen into disrepair, a couple of years later to a house flipper. At the very end they transferred our mortgage to XXXX who tried to collect money from us.but somehow citi was still the bank that foreclosed. The house flipper spent about {$20000.00} to refurbish and sold it some poor unsuspecting person for {$400000.00}, more than {$50000.00} above appraised value. Citi ruined our lives by stringing us along for two years thinking we could keep our house with a loan modification and then making it impossible. It ruined our lives and we will never recover because at the time we were already into retirement age and now we are in our XXXX. I knew we were scammed but I could n't prove and still ca n't because I do n't know what went on behind the scenes. I suspects their confused and untrained representatives stuffed and maybe destroyed documents they had no idea what to do with. It is now XX/XX/XXXX and I have only now been able to rise above the devastation enough to put into words what little I know about what happened to us.If citi had been honest instead of stringing us along for years, we could have sold the house and walked away with, probably with no profit but at least without suffering forclosure and bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with U.S. BANCORP (AZ).
Issue: Balance transfer fee

Complaint: I made XXXX balance transfers to my Elan credit card of {$300.00} each from my XXXX and XXXX cards. Their system sent XXXX transfers of {$300.00} to XXXX and XXXX transfers of {$300.00} to XXXX for a total of XXXX balance transfers which gave me account credits on both cards since I owed less than {$600.00} on each. When I called and asked them to correct the problem, or refund the additional {$11.00} for each extra balance transfer they informed me they do not negotiate balance transfer fees, insisted that I had made the error, and told me the only way to reverse the charges is to have my other cards return the balance transfer. I called XXXX to ask for XXXX of the transfers to be returned, and they informed me that it is not possible because it came through a credit processing company, not as a charge. I would have to pay 2.5 % for XXXX to send the transfer back as a balance transfer. XXXX also told me that since is it is a balance transfer, which do not have the same rights as purchases, that I can not dispute the charge nor can they return it. Both XXXX and XXXX told me the only way to reverse the charge is for Elan to do it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Over the last several years I have been trying to work with Equifax directly because they have made my credit report unavailable to myself and to anyone who is looking to review it for the purpose of obtaining credit. It has been brought to my attention in the past that due to the size of my credit file the Equifax system is unable to process request to view my credit history. I have written letters and have asked for this issue to be corrected and still nothing happens. They tell me that because they see it in their internal system it has to be a problem with the company trying to pull it. In fact the problem is the Equifax system and its inability to house my huge file. I can not pull it up online myself to review and dispute items, I can not pull it through the annual credit reporting site as allowed by law. Creditors can not pull it either. I have had issues in the past with this and I get the back and forth from Equifax. I know for a fact that at some point there have been several unauthorized inquires on my report which have caused my report to get too big and was told this was causing the freezing. I reported the unauthorized inquires through online dispute forms and nothing. Just canned responses. I do n't know what else to do to get this issue resolved. Sometimes the credit report works and sometimes it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: On XX/XX/XXXX I walked into Chase bank to make a money transfer to another Chase account, I handed the teller an account number to do the transfer from my account to what I thought at the time was my XXXX account. Teller did the transfer did not confirm the name, just provided me with a receipt I went home had my XXXX  check his account and the funds were not in his account, i found it strange, but told him to wait maybe it was a hold of some kind since the amount transferred was for {$6000.00}. The following day the funds were till no in his account and I walked into the branch, that is when I realized the funds had been transferred to another account that was not my XXXX. I talked to the branch XXXX, I 've called relentless to the XXXX number provided and all they can tell me is there is nothing i can do to get my funds back. Its been over XXXX years and I still have not been able to be directed to the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced in XX/XX/2015. Every year the Bank says I have an Escrow Shortage. This year is the most expensive one they are asking me to pay. I am on a fixed income and this makes it hard for me when each year my payments adjust. The Bank said they do an analysis rather than an actual which makes it hard for me and they are already telling me that my payments will be going up next year. I wish I could regulate the payments and not owe an unknown lump sum each year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01-08-2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I 've always had a rep payee and they have always paid the bills in their own name, while taking the rest of my checks and using them for their own purposes. Now I do n't have a rep payee and I had gotten out of prison after 10 years, I did have valid credit cards which were taken and used but no payments were made while I was in XXXX XXXX XXXX XXXX. I have been out of jail now for over 5 years and spent over XXXX of them at XXXX XXXX XXXX home. I started a bank account at XXXX XXXX XXXX XXXX, but since I 'm XXXX and I had to rely on other people 's to do my banking when the weather conditions are too bad, I have been ripped off of over {$150.00} which XXXX XXXX XXXX XXXX refused to help me overcome, they then closed my account and charged me {$99.00} more for this. 
I 'm in a XXXX I ca n't help but rely on emergycare to get me home when my XXXX dies. I ca n't even pay them when my dies on the street and they charge outrageous rates to go XXXX blocks, plus as for my phone bill from XXXX XXXX XXXX, I 'd just pay them and they would tell me I did not pay them and then they 'd cut my service, charging the same amount as I was paying for my monthly service, which was also inferior to other companies services. 
I always pay my debts but am always told that I do n't. 
Now I ca n't open a bank account, get a credit card or even find a job. 
My bills are paid as far as I made legitimate purchases that I 'm actually able and cognizant of making. I ca n't pay for services that I need on an emergency basis and I ca n't cover fees that I was supposed to have made while I was holding on for life or from a hospital room, and I 'm especially not going to pay for costs that I did not make. 
Plus I can see if I just used these services for recreational purposes but I never used any service included herein for any purpose other than what they were absolutely needed for. 
I ca n't even find decent housing and am on the verge of losing the apartment where I currently stay, so what good is it going to do if I ca n't find a place to stay and end up back in jail to keep insisting that I have to pay all these charges when my cell phones were stolen and used without my knowledge or permission while I was at XXXX XXXX. Am I really responsible for these things? And do I really need to pay outrageous fees for things that were either necessary or done in my absence or without even my knowledge?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a XXXX for the year 2015. The balance on my credit report should be {$0.00}. The debt cancelled on the XXXX shows {$10000.00} on my credit report it 's almost {$14000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing LLC has increased the balance on my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (I do not know) with Oportun Financial Corporation (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company repeated calls the County of XXXX XXXX toll free number asking for individuals of a personal nature but they speak in XXXX. This has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (Medical debt) with Capital Accounts, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company opened an account with my name saying I needed to pay them {$120.00} dollars or they would hurt my credit report ( after a couple of hours and phone calls they removed the balance because of the mixup ). They seemed to have mixed me up with my father ( who has the same first and last name, but different social security #, address, and middle name ). I never confirmed my identification to them ( they have the recorded call ) but told me I owed them money, somehow had access to my social security # ( even thought I never confirmed with them that that was my social security number ) and when I asked for their license number he refused to tell me over the phone. They also pulled my address information. I am disturbed that they have all of my information and did not provide me with their information. I am also disturbed that they mixed me up with my father who is almost 3 times my age, lives in a different state than I do, and is not me. I called to file a complaint and they hung up on me multiple times. I would hope they are investigated for their legal practices and that I can have my information removed from their system. ( Mainly providing my father 's medical information to me without his consent, not furnishing their license number, not confirming my identification and still giving out personal information to me ). They were very rude during the phone call and said this would negatively affect my credit report. I was able to resolve the actual debt by calling the medical office and my father who was able to clear up the misunderstanding, but the threatening of my credit report, not furnishing a license number, somehow gaining access to my social security number, and not confirming my identity and then giving me personal information does not seem right

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Medical debt) with Collection Bureau of Fort Walton Beach, Inc (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This letter is in response to your collection on my credit report which was opened on XXXX XXXX, XXXX. Since the amount is so small, I wish to save us both some time and effort by settling this debt. Please be aware that this is not an acknowledgment or acceptance of the debt, nor is this a promise to pay and is not a payment agreement unless you provide a response as detailed below. 
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. I am willing to pay this debt in full in return for your agreement to remove all information regarding this debt from the credit reporting agencies within XXXX calendar days of payment. 
If you agree to the terms, I will send certified payment in the amount of {XXXX payable to COLLECTION BUREAU OF FT in exchange to have all information related to this debt removed from all of my credit files. If you accept this offer, you also agree not to discuss the offer with any third-party, excluding the original creditor. If you accept the offer, please prepare a letter on your company letterhead agreeing to the terms. This letter should be signed by an authorized agent of COLLECTION BUREAU OF FT. The letter will be treated as a contract and subject to the laws of my state. As granted by the Fair Debt Collection Practices Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Consumer Loan (Installment loan) with URS Holding, LLC (GA).
Issue: Problems when you are unable to pay

Complaint: Debt collector is calling my job several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with FIRST ADVANTAGE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/XXXX I received a letter from the XXXX XXXX Court stating I owe {$530.00}. After several visit, I finally got it resolved on XX/XX/XXXX however XXXX tried to run a background check and it still appears

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I pulled my credit report along with using XXXX XXXX, I have sent a letter to the company with no avail. I have not nor have I ever done business with this company.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation