milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: USAA ( loan officer XXXX XXXX ) pre-approved me for a {$410000.00} mortgage loan in XXXX 2016. I searched for a home and found XXXX. In XXXX 2016, USAA approved me for a mortgage of {$160000.00}, but the home purchase fell through due to damage exposed in the home inspection. In XXXX, since the previous pre-qualification had expired, USAA again ( though this time, through a supervisor, XXXX XXXX XXXX pre-approved me for a mortgage of {$410000.00}. I was unable to find a house, and approximately 90 days later on XXXX XXXX, 2016 USAA ( through XXXX XXXX ) approved me for a mortgage of {$410000.00}. For each mortgage pre-approval ( and for the approved mortgage ), I disclosed that 100 % of my income for the past 6 years was earned abroad and that I have not yet filed XXXX tax returns on this income. I completed a full credit report and XXXX hour interview, which USAA recorded. After I made a contract on a home on XXXX XXXX, USAA suddenly declared that it would be unable to issue a mortgage for {$160000.00} since all of my income was earned abroad. This should not have been - and indeed was not - news to them. The previous pre-qualifications were based on my foreign-earned income. I was referred from XXXX customer service office to the next, from XXXX supervisor to the next. USAA offered to put my parents on the loan to help resolve the problem ( without clarifying that this would also put them on the title, until later ). USAA rarely returned my calls until finally, on XXXX XXXX I was referred to their " executive resolutions team. '' The agent told me to provide proof of filing XXXX tax returns, and I told him to " not cancel my application '' and that I would provide him proof in 2 days, as I had a CPA meeting on the XXXX. On XXXX XXXX, USAA overnighted a mortgage application for me to sign and return by XXXX XXXX, 2016. They sent the same package to my parents and both packages contained confidential information related to me that USAA was not permitted to disclose. What 's more, the application was riddled with errors and could not be signed in the state that it was sent. I emailed USAA on XXXX XXXX asking what to do with the application. USAA then informed me that I " no longer had any applications with USAA '', since the application had been cancelled on XXXX XXXX. In response to my inquiry, USAA explained that the application had been overnighted on the evening of the following day in error. I was referred to the CEO 's resolution team, and then to the business resolution team, and no one has managed to resolve this. Now, my closing date has been cancelled and I am looking for another lender. 
This experience has been a hardship for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with M & T Bank ( M & T ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. M & T was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) M & T started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX XXXX and have not yet received a response as to a decision ( 90 days since reporting ) M & T has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!

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 02-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Transunion Account Name : XXXX XXXX Account Number : XXXX I was never late I send XXXX several letter about the issues no answer

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
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: THE BANK COMMITTED FRAUD AS DISABILITY INSURANCE SHOULD PAID THE ACCT IN FULL BANK COMMITTED FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CRA in direct violation of fdcpa, fcra, state and federal laws concerning consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants' Credit Guide Company (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I HAVE RECEIVED COMMUNICATION FROM AGENCY REGARDING A DEBT COLLECTION BUT THEY INDICATE THAT IT IS SEVERAL COMPANIES THEY ARE REPRESENTING BUT DO NOT IDENTIFY NAMES OF THE COMPANIES. THEY STATE ( SEVERAL ). I HAVE SENT CORRESPONDENCE REQUESTING THE NAMES OF ALL DEBTORS TO AVOID DUPLICATION OF DEBT COLLECTION ON THE SAME DEBT FROM VARIOUS ENTITIES. I AM WAITING FOR THAT REQUESTED INFORMATION.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TN).
Issue: Deposits and withdrawals

Complaint: I have been w ith Simple  Bank for a long time and all of a sudden I ca n't access any of my funds. They tell me that they need my social security card, bank account, papers for external account, etc when I have been with them for months and I had to call them 5 times and every time they told me the same story. Do not use this bank they are unprofessional! They froze my bank account without giving me any kind of notice, even when I told them I had to buy my medication and pay my rent they still did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: My checking account at Santander Bank was closed without any notice. I went to the branch and the woman told me that they can not reopen the account, and my direct deposit will be sent back to my employer. The employer receives nothing so I call back and they tell me that they have instead took my deposit for an outstanding balance of 55 days. I review my contract and there is no mention of this. The representative acknowledged they have n't sent any notice since XXXX. They simply waited for the next direct deposit and closed the account so I can no longer access the funds. It is a week before the holidays, I have bills due, no food and unable to survive until my next payday.

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have numerous Hard Inquiries on my report, I have sent each company a letter stating that I wanted proof that the inquire was made by me with my signed signature, as of today I have only received a hand full of responses and non of them had a signature page with my signature on it. I would like for the inquires to be removed as I did not request anyone to pull my credit report.

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 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I saw an inquiry on my credit report from Equifax consumer affairs that was done without my consent. when you contact them they give you the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit card () with U.S. BANCORP (OK).
Issue: Balance transfer

Complaint: In XXXX 2015 I opened a US Bank XXXX credit card with the zero percent balance transfer rate for 15 months. After the balance transfer and setting up automatic payments on the card I was charged interest every single month. I had to continually call to have the interest removed. Us Bank agreed it was their mistake and removed the charges as you can see from the attached file. The last three interest charges have not been removed, and when I call back they refuse to remove them, or one agent just hung up on me. I have my original card member agreement, and it states that I should get the rate as promised. This has been a terrible experience, and I am now forced to pay off the balance as of this date to avoid being overcharged every month in the future since US Bank has failed to honor their banking advertisement The charges are XXXX {$82.00} XXXX {$77.00} XXXX {$77.00} Us Bank stated that although I set up automatic payments, that they failed to credit the first payment on time. Once the first automatic payment has failed, they then begin charging interest in violation of the agreement. It appears that the failure of Us Bank automatic payments system is standard operating procedure to defraud people, and allow them to not honor the zero percent interest agreement. 

I filed a complaint with the better business bureau, and Us Bank did not address the failure of the automatic payment system, but instead attempted to put the blame on my by saying it went to collections, which of course was not the case. 

Enclosed is the original credit card agreement where they promised zero interest and failed to deliver as written. 

I was never late in paying them. I am never late in paying any credit card.

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 06/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX, I noticed that our mortgage balance was much higher than it should have been since it was going to reach maturity this year. Our mortgage was with Greentree Financial. I called and talked to a rep who said, 'oh just keep on making your payments and it will be fine '. In XXXX, our loan went to DiTech. I called them and was told the same thing. In XXXX, XXXX, we get a letter saying that our loan was mature and that unless we paid {$11000.00}, we would be in default. I called and spoke to someone else and was assured that I only needed to call our account rep and she could do a loan modification for us and everything would be all right. I tried to get in touch with this person for over a month, leaving her messages and expecting a call back. Then, I get the message on her machine, saying she would be unavailable until further notice and was referred to another lady. She informed me, that despite everything I had been told, we were in default and she could not do a loan modification. They are starting foreclosure proceedings against us. I tried to find out how we could owe {$9700.00} in principle since we have been paying for over 20 years on this loan. She could n't tell me, but put me on hold saying she would get someone who could. She came back in a few moments and informed me that the other lady told her that she could n't give me any more info than she already had. We 're not trying to get out of paying our loan. I just do n't understand how we could owe that much. And, despite being told we could get a loan modification by one person and then denied by another. The lady said they could n't do it because there was no land involved with our loan. I informed her that there were XXXX acres which we put up as a down payment for our double wide mobile home when it was purchased. That info however, made no difference. I do n't understand. The land would be worth more than what we owe on the loan. Perhaps that is the point. They can take our property that we have paid on for 20+ years, resell it and make a good profit. All the explanation I can get from these folks is ... '' I 'm sorry ''. I was told by a banker that it would take too long to get a loan anywhere else, that they would have to refinance it or modify it, or it would be too late. We ca n't even get a loan because our credit rating has now tanked. I just do not want to lose the home that we have worked and paid on for over 20 years and no one at DiTech will help. I even asked how much time we had to come up with the money and the lady told me that she did n't know. Apparently, I wo n't know until my property shows up for auction in the local paper.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

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 03/13/2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have SEVERAL unauthorized credit inquires showing on my credit report. I have disputed these inquiries twice with XXXX, Equifax, and XXXX and received a letter stating that they would have to remain on my credit report because they are under 2years old. As a result of one of my last phone conversations with XXXX, a 90 day fraud alert was place on my report with all three bureaus. I am in NO way liable for these inquiries and would like for them to be removed. I did not authorize all of these companies to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (NC).
Issue: Fraud or scam

Complaint: A man called me on the XXXX of XXXX. He said that I was eligible for a {$5000.00} loan. I asked for a {$1500.00} loan instead. He said it was a government loan. He said I would pay {$91.00} every month for 16 months. The interest fee was XXXX percent. 
He sent me an email with the loan documents. His name was XXXX XXXX from XXXX XXXX XXXX XXXX his email was XXXXXXXXXXXX gave me his phone number was XXXX, which was the same number that he was calling from the whole time. He said if I did the loan that day, I would have to pay back the money on XXXX XXXX. He said that I had to call him back at that number in order to pay the loan back. 
He said the loan worked like this : I would put {$150.00} on a ReLoadIt card. Once I put that money on the card, the loan proceeds would come later that day. He said the money would let him verify that I could pay the loan back. The card deposit would do that, he said. 
I put the {$150.00} on the ReLoadIt card on XXXX XXXX. I bought the card at the XXXX XXXX on XXXX XXXX. in XXXX, NC. The man was on the phone while I purchased the card in the store. He said to give him the pack number ( XXXX ). I did. He said it would take 1 hour to process. I kept calling him about every 30 minutes. He said it would come ... just wait and it would arrive. He said wait another hour. 
I went to ReLoadi 's web site XXXX said to make a special account. They said the money had been used, because he had the pack number. ReLoadIt told me as long as you have the pack number and the amount you put on the card, you do n't need anything else to get the money off the card. They said he could take the money if he had the Pack and the amount. So he did and he kept the money. 
He called me again Wednesday XXXX XXXX. He said to put {$110.00} on another ReLoadIt card. I did n't do that, though, because my dad said not to do it. When he kept asking for money, I got smart.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Payday loan, title loan, or personal loan (Installment loan) with Credit Central Holdings, LLC (SC).
Issue: Struggling to pay your loan

Complaint: Last week the company called me while I was at work ( and out of town, I do travel for work ). I had missed my payment, my fault. I told " XXXX '' not to call me at work. I came home and ( my fault again ) forgot about the payment. I was at work today and XXXX again called me at work. I told him, that I had said not to call me at work, and that I could n't take care of it right then, and I would have my wife call. He then threatened me by saying if I did n't resolve the issue right then he would have to " take action '' and continued to harass 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 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I must admit that you removed some of the errors but you continue to report several other errors. Now I dont know why is it taking so long for you guys to remove the rest of the errors. I have complaint to you guys several times. I am asking that you guys remove the accounts and inquiries that I have attached to this message file. I am in distress and this have caused major problems. I am sending this as an internal dispute and as an affidavit. I am unaware of the accounts listed on my credit file that is attached. Please remove the accounts within 24 hours because I have waited more than 120 days to see changes on my credit file. I will definitely follow up in a few days to see if the accounts are removed. I sent an affidavit, FTC number a few months ago showing that I was a victim of fraud and I was affected by more than a several credit breaches. Please remove the errors permanently your company continues to list on my credit file. If your company continues to list the error accounts and inquiries on my credit file I wont be afraid to take legal actions and this isnt a threat so please dont be offended but I lead by action. 
Please accept this letter as a written request to dispute the following account information of items appearing on my credit report. To prevent any confusion, i have listed the items and the account numbers below. 
Accounts & Inquiries listed in the attachment areas. 
Explanation. I am requesting that the following account be removed immediately from my credit report. Im seeking further legal advise in addition to working with police investigators to locate the individual or individuals who is responsible for fraudulently establishing this account without my permission or authorization. Ive tried to work with your credit reporting agency as well as the credit grantor to have this account removed from my credit report. If i am unsuccessful with this attempt i will be forced to file a suit in federal court naming your credit reporting agency, the above creditor, collection agencies, and the acceptor of this letter as defendant. It is my understanding that per The Fair Credit Reporting Act this requesting must be given attention and completed in 30 days of your receipt, thank you for your prompt attention to this matter. 

Sincerely 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 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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