milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/24/2015 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (LA).
Issue: Managing the loan or lease

Complaint: In XXXX my now ex-husband and I obtained an auto loan with Navy FCU. At the time we were separated and he was responsible for making the payments since he did have possession of the auto. I was informed at one point that the loan was behind and when I spoke directly to their customer service department I was told that out of 40 months XXXX payment were late. I was also informed that the loan was refinanced to lower the payments and that I was still responsible. I did not sign any paperwork for any type of changes to the initial loan. I did not receive notice nor copies of the paperwork and it is still reporting on my credit report. I am sending a copy of the letter that was mailed to Navy Federal Credit Union requesting documentation of the account changes showing I am responsible. This was mailed XXXX XXXX XXXX. They questioned them in XXXX all they would state was that it was done legally. I want this removed off my report, I did not receive anything from them after requesting information and I did not sign any type of modification paperwork. I have disputed with the XXXX major credit reporting agencies and I 'm unclear how they are able to validate anything if I can not even get a copy of the paperwork that pertains to this just how are they? I want this removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I was trying to obtain funding to start a business, and the potential creditor required that I sign up for XXXX. The funding process was going to take much longer than anticipated, and the credit monitoring free trial ran out. I suffered an accident that will prevent me from pursuing the business for some time, and I gave been unable to cancel the credit monitoring service. Every time I call, the wait time is in excess of 2 hours, and something always happens that forces me to hang up before talking to someone. I have been in the hospital for 2 weeks, and don't have the luxury to wait on the phone for two hours to talk to a rep.

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed several items on my credit report XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXX from Experian and XXXX  and sent validation letter and never received proof but was updated on my credit file as verified it's been about 6 month on going that I've been requesting verification and never did anything over 30 days has to be removed off my file

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 10/24/2015 about Debt collection (I do not know) with The CBE Group, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The number XXXX has called my cell phone multiple times daily since XXXX XXXX 2015. Any attempt to answer the call results in an immediate hang-up. XXXX time a person came on the line asking for another individual, but did not provide any other information and hung-up. They continue to call relentlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: EXPERIAN RE : XXXX XXXX XXXX XXXX Dear EXPERIAN : The Department of Education no longer permits the use of social security numbers listed as account numbers on credit reports because of privacy concerns and other reasons to avoid confusion of what loan or loans are private or federal loans or those who have multiple student loans. XXXX and Experian continue to report loans on my credit file beginning with social security numbers, this causes confusion of which accounts are federal or private student loans, and also promote security and credit issues with approvals. Experian continous to report credit reporting inaccuracies and false account numbers on my credit file without authentication. I am concerned that XXXX and Experian are also not compliant with the Federal and State laws concerning verifications of accounts and current regulation that restricts the use of use of using social security numbers as account numbers on credit reports or other compliance and rules set forth by the Dept of Ed and the Office of Comptroller. I am asking the CFPB to investigate the use of social security number reporting as account numbers on credit files, because the federal government limits the use of social security numbers and has strict privacy laws e.g. ( privacy act 1974 ) It is not permissible to use social security numbers as account numbers on credit files because it can lead to potential misuse by creditors and banks to pool or commingle accounts, and data furnishers and credit reporting agencies are unaware of this.

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 06/29/2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Billing disputes

Complaint: This is a follow up to CFPB Case XXXX. After reporting my concerns in XXXX 2015, about Synchrony Bank I am not satisfied with the resolution. The company had removed 2 payments from my checking account ( without approval ) and applied them to a JC Penney XXXX Card account ( which I did not have ) The payments I was making towards a XXXX XXXX were not recorded towards my account, therefore, late fees were charged. The account numbers on these account are very different, the addresses for payments are not the same either, yet these were the explanations I received. The solution was to credit the XXXX account, and remove any outstanding balance, however, instead of doing this, I received a XXXX balance on the JCPenney account ( which I do not have ). I have called the Senior Specialist who handled the case with this information and had to leave it on the answering machine XXXX twice ). I have been more than patient with this company, but still, I receive no response. In addition, my credit rating has dropped almost XXXX points, due to their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX, I filed ChpXXXX. I included XXXX in my chp which was originally incorrectly reporting as a charge off. I was 30 days late and I paid company to fix it. The credit reporting agency refused to fix. I had it added to my bankruptcy and it is still reporting as a charge off. It clearly states it was included The credit reporting agency asked for a copy of my CHP XXXX paperwork. I faxed it in on XX/XX/XXXX. The credit agencies did not fix it and they have taken things that were not reporting on my credit prior to getting g my bankruptcy paperwork and added to my credit as if XX/XX/XXXX. Also, I have a new car that I have been making payments on that was not part of my CHP XXXX financed through XXXX XX/XX/XXXX. I have been making payments on time since XXXX. I contacted XX/XX/XXXX who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP XXXX. Lastly, I paid a company XXXX to fix my credit and have the CHP XXXX, inquires and charge off to removed the credit report but the credit reporting has refused to remove these items.

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 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$450.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

XXXX XXXX

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 04/24/2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Closing/Cancelling account

Complaint: I had credit card accounts with Care Credit that were unjustly closed by the creditor. There reasonings were very inaccurate including a recent significant derogatory items. Since the account was closed I reviewed my credit files and there is no recent derogatory items.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX recently submitted a negative remark on my credit history with Equifax. I had PMI ( private mortgage insurance ) on my property and the amount they say I owe them should be XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I had previously filed a complaint XXXX XXXX and did not add that the rate renewal shall be based on the unpaid balance. Capital One has based it on the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CA).
Issue: Struggling to pay mortgage

Complaint: Im writing yet again in hopes you can intervene to get US Bank to review our loan honestly and accurately, and keep a family in their home. Right now we are being reviewed but US Bank keeps losing our paperwork, and has been tracking our home for foreclosure while we are in active review. I was told that if we submitted the paperwork for a review 37 days before a sale date, we would get a fair review, and this has not happened. 

As I stated in my prior complaint, the issues started when due to health reasons I lost my job of ten years, at XXXX. My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. It was, and is still a nightmare. I have to fax every form in three or four times. Every time I call in I speak to someone new. I have an application with them now, and just today was requested a form I have sent in twice. When I said I sent it in, the person checked put me on hold for thirty minutes and eventually found it! 

While my file is being reviewed, they assured me my home would not be sold. Imagine my shock when I came home and found another notice on my door that the home is going to be sold at the end of the month! I called and they told me that the sale was rescheduled for XX/XX/XXXX,  but I have already been told on three occasions that there wouldnt be a sale date scheduled until I had at least had my application properly reviewed.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been fighting the accuracy of my XXXX student loans that have been out of default sine last year of XXXX XXXX where i did a rehabilitation program with XXXX and all of my loans have been out of default and paid as agreed with a XXXX balance as i have also consolidated all of the XXXX loans into XXXX loan! I sent a email to the XXXX of XXXX and got a email back from XXXX of his workers! XXXX XXXX! she informed me that i did in fact have them as my servicer as the original bank XXXX sold it to them back in XXXX! Now in XXXX i had lost my job and apartment so I never received the mail and or the welcome letter that XXXX stated that they infect sent out! Well today she emailed me a letter saying they could not removed the payment status of XXXX past due as that event happened before i rehabbed my loans although XXXX the XXXX bank has done so once i completed my program, but yet XXXX XXXX is saying they can NOT! In the welcome letter that XXXX XXXX sent me it Clearly states that XXXX sold them only XXXX of the XXXX loans! Which i still never received that letter, she emailed it to me today to show they had a letter but there was no proof to show it was actually mailed out but i would not have gotten it as I was not living at that address. It shows that these loans are supposed to fall of my report next year XXXX! but these XXXX accounts that are not even theirs are showing 120 days past due is making it hard for me to get a home. I sent a goodwill letter and have had no luck! But with the information I have they only brought XXXX of the XXXX loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDING CLUB CORP (OR).
Issue: Problem with the payoff process at the end of the loan

Complaint: Took out a personal loan inXX/XX/XXXX this was to be a 60 month loan. On XX/XX/XXXX I went to the Lending Club payoff site to get a payoff quote. The quote was XXXX. I sent a text to the Lending Club this same day asking them not to process the auto pay due on the XX/XX/XXXX as I would be paying this debt in full on the XX/XX/XXXX. I could not pay it on the XX/XX/XXXXbecause it was XXXX XXXX and my bank was closed.So I made this payment on the the XX/XX/XXXX and was sent a thank you for your payment letter. After taking my payment then I was sent a letter stating that my payment was not the full payment. I then phoned The Lending Club to inquire about the discrepancy in payment resolution and was told that there website did not contain the correct quote as the Web site was assuming the auto payment. I felt intimidated in this conversation and offered to pay them in installments which they refused. I ended the call and decided to advice as I felt like I was being bullied into paying a debt that was not fair or owed by me. I was advised to request a dispute which I did and after a lot of haggling was told I would be granted. On XX/XX/XXXX was sent email stating they concluded that I still owed them $ XXXXthey have since increased it to {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY WIFE AND MY SON. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGTH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!

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 03-09-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Repeatedly calling a family members phone number even when payments are mailed to them. Not identifying themselves when they call my phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a private student loan with Citibank, which has been a problem for years. After being told it was placed in deferment while I was in grad school, I later found out that I was not eligible for a deferment after months of not bills, phone calls or any contact from the company to inform that the account had been marked as delinquent and turned over to collections. I worked out a payment plan with the collection agency and later settled the debt. I have l letter stating that the debt has been settled but Citibank continues to report that my account is past due. This has affected my credit to the point that I am unable to buy a car or get approved for a mortgage. I need this fixed immediately or I will seek legal action and ask for damages. I have disputed this with credit agencies who insist that Citibank is correct in showing that I owe them money. I have attached a letter from the collection agency stating that this account has been settled and the collection agency confirmed this information with Citibank. This is the fourth time I have had to file a complaint against Citibank concerning this matter and their inability to do due diligence and report accurate information and honor their word.

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 12-02-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (AZ).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Have a PNC Bank XXXX debit card that expires XXXX. PNC sent me letter stating that they will not issue me new card unless I call in to activate. However, when I phone XXXX it states that my ability to activate has been suspended. I have phoned the number on the back of my card at XXXX multiple times and either the call center is closed or I am put on hold for a long time. Please have PNC Bank activate and issue me a new card when my current one expires XXXX. PNC bank should have a 24/7 operator for its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Payday loan, title loan, or personal loan (Installment loan) with DISCOVER BANK (CA).
Issue: Getting the loan

Complaint: I applied for the Discover personal loan for {$34000.00} for debt consolidation on XX/XX/2017. I was requested to send in my wife 's pay stubs as well as mine, which i did promptly. After a day passes I tried to check the status of my application and I saw that it was denied because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I contacted them and asked for an explanation because they are required to give a specific reason why it was denied but they refused to and said thats the best we can say. I have a fraud alert of my credit reports for my own protection and when they checked my credit they did n't even call to verify that it was me who applied for that card and then they deny the loan because of " UNABLE TO VERIFY CREDIT REFERENCES ''. I spoke with them for about 30 minutes and nothing changed and they were insisting that they are following the law and they do not have to give me explanation to why it was denied. I need to teach this company a lesson so they understand that they ca n't just advertise personal loans and when you apply they deny it for a reason that is not comprehendible.

Company response to consumer: Closed with explanation