milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Transunion Corporation is violating my rights to an honest and true credit report by reporting to the public records section of my file and outdated and inaccurate tax lien that was made in error many years ago. The filed date is incorrect and the item does not include the lien removal slip which was granted by the judge following my attorney adamant appeal at the debt placed against me by the State Tax Franchise board of California. I have asked this information to be verified and have forwarded my tax removal slip to the bureau to be propeller verified and I requested a full and complete report domineering their pruderies and desciprtion during this reinvestigation process nearly 6 months ago and have been provided with ABSOLUTELY NOTHING! I am infuriated and disgusted by this poor attempt at a reinvestigation in my part and have become utterly anxious at the way my credit report is currently being reflected. It is not 100 % accurately because of this tax liens and the mis information it contains and i have been denied a lawful investigation. I have waited past the 30 day mark threefold of a time an don longer will wait for anything to be verified. I will not give this bureau anymore chanced to validate or verify anything. I have had enough and they are required by law, to follow the law, an removed tax lien ... XXXX from my records. It is their responsibility to validate this and they have NOT and it is their responsibility to provide me procedures and the descriptions and they have NOT. Why do i have NOTHING from this company and yet they are allowed to still report this? Why is it that i have mailed them every piece of document i can and the XXXX XXXX recorders office claims that they have receive don calls or validation requests from this bureau? What is it that has validated this? No one and nothing! They claim to use a 3rd party vendor and REFUSE to disclose anything about who they are and how they operate and validate consumer information. I will NOT rely on a 3rd party vendor with my financial life on the line, that is insane and not fair nor is this acceptable. Is this vendor certified? Is this vendor in the United States? Is this vendor knowledgable in the XXXX XXXX court systems? DO they have full and complete access to my report and all of my appeals and court records? When was this Vendor last certified and is their software up to date and FCRA certified and compatible with the law and guidelines? I WOULD NOT KNOW BECAUSE THIS VENDOR IS A MYSTERY AND THIS VENDOR IS RUINING MY LIFE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Transaction issue

Complaint: This is about a problem with a credit card company. I live in XXXX, my son lives in XXXX. He is an authorized user on my credit card, which I provided him for emergencies. But because we live in different places, every time he tries to use it -- that is, during emergencies such as car problems -- the credit card company declines the charge. Even though he is an authorized user. I have called the company, even to alert them to charges, and the card is still declined. I 'm willing to do whatever I can to provide my son this safety net, but the credit card company makes this impossible. What is a father to do?

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 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MT).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I 've had a credit card with Wells Fargo for over XXXX  years, and just found out it the account was closed on XXXX/XXXX/XXXX. I have not used the card for over XXXX years, and when I called the Credit Card services division of Wells Fargo to inquire about the status of the card after finding out from a branch banker that it was n't active, I was told that the account had been " closed by the consumer ''. I am the consumer, and I absolutely did not close this account. After further requests, I was later told the account was actually closed due to lack of use, something I was absolutely never made aware was impending or had been completed, despite the claim from Wells Fargo that they sent XXXX letters on separate occasions to notify me of their intent to close this account. 
I am aware of the benefits of having long standing good credit, and this card was XXXX of the primary tools I 've had in my credit portfolio for over a decade. I currently am in possession of a Wells Fargo XXXX XXXX card that does not expire until XXXX XXXX, and am fortunate I did n't attempt to use this card as it has been closed for almost a year and a half without 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 10/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have student loans with Navient that are set up to auto-pay ( which means I 'm never paying late/compounding interest ). This auto-payment satisfies my monthly interest requirement, so I 'm trying to make extra payments that are applied to my principal only ( I did this with XXXX and never had any problems ). 

On XXXX/XXXX/XXXX, I submitted an extra payment and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, Navient responded : " When a payment is posted to an account, it? XXXX first applied to the interest that has accrued on the account since the payment was received. The remainder of the payment is then applied to the principal balance. '' When I checked my history, I found that they indeed did not apply my payment as requested. 

So I tried again. On XXXX/XXXX/XXXX, I sent in another extra payment, and sent in a message instructing that all of it be allocated to principal. On XXXX/XXXX/XXXX, I received a response with a similar message : " ... funds can not be applied to the principal balance until all of the unpaid accrued interest has been satisfied. '' I know that they do n't have to do it this way because another lender would allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a trial loan modification payment plan and informed by letter dated XX/XX/2016 from Nationstar Mortgage. On XX/XX/2016, 30 days before that, my loss mitigation application was complete. 
I had received and responded to a letter dated XX/XX/2016, and by XX/XX/2016, had received no further notices of incomplete file. Nation- star filed a judgment of foreclosure against me on XX/XX/XXXX, and the Foreclosure Commissioner contacted me after my trial payment plan was approved and wanted to start setting dates for open houses ahead of a foreclosure sale he was planning. By that time I had paid XXXX of the XXXX trial payments, but Nationstar would not stay the judgment. Today, I have authorized the XX/XX/XXXX ACH payment for my XXXX trial payment, and Nationstar is refusing to stop the foreclosure on my home. The Commissioner has the authority to take possession of my home and has agreed only to postpone for 90 days the publication of open houses and setting the sale date for the foreclosure auction on my home. Nationstar is proceeding against me, even though it has taken XXXX payments and is preauthorized to take a XXXX. The commissioner is XXXX XXXX, Attorney at Law on XXXX, and the attorney refusing to petition the court to stay the judgment is XXXX XXXX of XXXX Hawaii XXXX. XXXX XXXX has stated he will not agree to stay the judgment, and Nationstar will not authorize its Attorney XXXX XXXX to petition the court to stay this judgment, so XXXX XXXX continues to accrue fees and costs. I am worried because Nationstar is still in a position to take my home from me if the Commissioner chooses to take possession, change the locks, and store my personal property, because Nationstar 's court order allows him to do this, and the Commissioner has refused to agree to any stipulation other than simple postponing setting the sale date. He can take my house at will, and this is Nationstar 's responsibility. The judgment should never have been filed, because I had a complete file at Nationstar when Nationstar filed its judgment against 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 10/18/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (RI).
Issue: Settlement process and costs

Complaint: I was to receive approximately XXXX- {$110000.00} of debt relief on my existing mortgage with Citifinancial if I agreed to transfer my mortgage through XXXX XXXX XXXX. I began the process of transferring my mortgage to XXXX XXXX XXXX in XXXX of 2015. In order for the new mortgage to be accepted ( it was an FHA loan ), I needed to do some much needed repairs to the house. I began the hard work needed to make the house pass the inspection required by XXXX XXXX and FHA. The repairs consisted of siding the house and installing all new windows throughout the home. I am a school teacher so I do not receive a paycheck throughout the summer months. I have to budget sufficiently throughout the school year so as to have available the necessary funds needed to get through the summer. Unfortunately I had to use those funds to prepare the house. I felt this was a good trade off however because I would be getting the debt relief mentioned above. As time progressed, one thing after another came up causing me to have to take additional steps and slowing down the process. Throughout this time Citifinancial kept sending updated payoff worksheets to myself and XXXX XXXX. All of my creditors were left hanging throughout the summer as there simply was n't any money left to pay them due to the numerous financial issues that needed to be addressed in order to secure the mortgage transfer causing my debt ratio to go down ( which was the need ) but also causing my credit score to plummet as well. My electricity was almost shut off. My car payment was in arrears, as was my cable, phone, insurance, and property taxes. In XXXX of 2015, school was back in session, the paychecks were once again coming in and I started the slow process of using my income to dig out of the hole I was/am in. On XXXX XXXX, 2015, Citifinancial issued a new payoff worksheet that is good through XXXX XXXX, 2015. When my agent from XXXX XXXX XXXX contacted the Citifinancial branch in XXXX, Connecticut to set up a closing date, she was informed by the branch that my mortgage had been transferred to another lending agency on XXXX XXXX, 2015. I did not receive any correspondence from Citifinancial or the new leasing agency XXXX XXXX XXXX prior to the transfer so I had no idea that this was to take place. Had I known of an impending transfer, I would have insisted on a closing date that would have been prior to XXXX XXXX, 2015. If my mortgage had been transferred to XXXX on XXXX XXXX, then why did Citifinancial issue an updated payoff worksheet dated XXXX XXXX, 2015? Now I find myself in a situation where Citifinancial says they ca n't do anything about it because they no longer hold my mortgage, XXXX will not give me the debt reduction that Citifinancial was giving me, my credit score is horrific, and many of my creditors are calling me daily demanding payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit line increase/decrease

Complaint: My mortgage company took XXXX payments, did not return the requested funds within XXXX days ( I filed a separate report ) and as a result of this, many payments were returned. Synchrony bank had just purchased many of my store cards, and they have systematically decreased credit limits or closed all of my accounts, despite requests to make allowances for this episode caused by the mortgage company. The cards and account numbers affected are GAP XXXX XXXX XXXX, Lowes XXXX XXXX XXXX XXXX XXXX JC Penney XXXX XXXX XXXX XXXX XXXX. These actions, while their right under the law, have taken my constitutional right to liberty. I have been a XXXX for XXXX years, have been employed with the XXXX for XXXX, make {$90000.00} per year, and now need to move, and can not even apply for a mortgage to assist my XXXX year old mother in FL. It is a crime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/13/2017 about Debt collection (Auto) with Riverwalk Financial Corporation (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Need to have a letter giving me a chance to try and get a fair amount to pay back, no one has written or call.I understand I took the car back because it was junk, but they need to send me something, I do n't have the money for a large payment, but the car was a lemon.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I called Citibank about a Home Depot job for gutters. The job number is XXXX. Some one named XXXX said he would file a dispute on it. He told me not to pay on the balance of XXXX dollars at that time. He said adjustments would be made later. A few days later I got a message about the dispute that I could not open and then I found that I had been charged a late fee because I did n't pay on the bill. I talked with them twice and although I could n't open their letters, they said that their disputed department said they could not file the dispute since the job was older than 90 days old even if I did still owe XXXX dollars. They did take off the late fee but they never even made an attempt to make things right for me about the gutters. <P/>By all appearances Citibank has teamed up with Home Depot to bilk people out of money for work that is not even close to being decent. When I talked with the so called installation manager for Home Depot, he asked me if I had leak protection on the gutters. I told him the gutters did n't channel the water and we had a water fall affect in various areas. The biggest problem with home depot is that they do n't keep commitments about calling or coming. <P/>Citibank has been quick to try and add late fees to my account even though I am really paying early and not late. They failed to inform me of anything going on with the dispute and at this time, they are showing my payment as late. They are in my opinion as irresponsible as Home Depot. I want assistance please.

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 11/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I wanted to have a temporary lift on my Transunion Credit Report security freeze. I am a resident of the state of Nebraska which means I can get a freeze or thaw on my credit report without charge. When I tried to get a thaw by calling I was told it would be a {$3.00} charge. I gave my zip code which confirmed I live in NE. Since this was n't successful I tried to go online. My request could not be processed. I believe this might be because I have an alert on my account. I want XXXX things : 1. A phone number to reach a real person so I can get a thaw without a {$3.00} charge. 2. I want the CFPB to know that Transunion has a system flaw and all Nebraska residents have been erroneously charged {$3.00} for security freezes and thaws over the years. I also intend to contact the Nebraska Attorney General 's office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Chapter XXXX bankruptcy was filed in XXXX XXXX. Navient was one of several creditors notified of the filing. On XXXX XXXX, Navient reported to the XXXX major credit bureaus, XXXX, XXXX, and XXXX from XXXX - XXXX XXXX. In XXXX, they reported it as 90 days past due with the addition of 30 days up to and including XXXX which has me at 240 days past due. I 've had several conversations with Navient reps and have filed multiple disputes with Navient and through the credit bureaus. On XXXX/XXXX/XXXX, I spoke with two floor supervisors XXXX and XXXX. Both informed me that I would need to speak with New York XXXX XXXX XXXX XXXX XXXX ( XXXX ) to have them make the necessary updates in their system to reflect the bankruptcy back to XXXX XXXX so that they, Navient could reverse the negative reporting filed since per Navient, they do not have jurisdiction to remove the erroneous reporting because XXXX has to make updates to their system, in turn Navient will mirror their report. XXXX/XXXX/XXXX, I contacted XXXX, and spoke with a gentleman in the collection department, he informed me that Navient does have the jurisdiction and ability to reverse their report to the credit bureaus and that under the bankruptcy guidelines, they should not have reported the account as delinquent. XXXX rep shared that there is nothing that they can do on their end to reverse the negative reporting because it was Navient who was reporting to the XXXX bureaus monthly despite the bankruptcy notice. When I contacted XXXX, they directed me to you, the Bureau of Consumer Financial Protection for assistance. I am requesting assistance with having these two entities work together to have the late payment, past due payment, and balance amounts corrected with all three credit bureaus as soon as possible as reporting should not be made to credit bureaus while in bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Asset Recovery Solutions, LLC (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had an apartment lease with XXXX ( XXXX XXXX XXXX ) and my lease was for 14 months. Throughout that lease I had been late a few times so the company decided not to renew my lease. They sent me a letter around XX/XX/XXXX/XX/XX/XXXX ( no longer have letter ) stating they were not going to renew my lease due to several late payments so I decided to move in XXXX XXXX. My lease expired on XXXX/XXXX/XXXX ; I moved out on XXXX/XXXX/XXXX which was the same day they served eviction papers for me to exit premises. Since I was unable to renew my lease with Villages of XXXX, I decided to not pay my rent for XX/XX/XXXX and move into another apartment. It didnt make sense to pay rent for XXXX apartments if I knew I was already moving out of XXXX. I needed the money to move into my new place and since they were not renewing my lease it was only right to find another place. So the day they served eviction papers, I was actually moving out of the apartment. They stated I had to write them a letter that I was leaving but I was unaware of that. My mother and I spent the whole night cleaning and movig out the apartment ; the leasing office stated I didnt clean the apartment which is not true. They took pictures of unvacuumed carpet and crumbs left in the stove and a hard water stain that was stuck in the tub ( which was there when I moved in ). I even brought that to maintenance attention when I first moved in plus it was a disgusting garbage smell from the sewer system. Maintenance stated that the stain was old and the smell was from the apartment sitting for some time. Now I have this eviction listed on my credit which is prohibiting me from finding housing. I moved because they stated they was not going to renew my lease so to make matters better for myself I decided to just go. Prior to me moving I received a letter from the leasing office XXXX XXXX stating that I owed them for XXXX XXXX rent that had been reversed. As an early XXXX gift, my rent was payed by a friend and I didnt know it had reversed until I received the letter. Now I owe for XXXX XXXX rent, cleaning fee, XXXX XXXX rent, and breaking lease. I dont understand why it took 2 1/2 months to see the reversed payment and I did clean the apartment but they say I did not. I would like some resolution to this please. I also have pictures of the apartment.

Company response to consumer: Closed