milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AL).
Issue: Taking out the loan or lease

Complaint: Consumer went online and filled out an application after receiving thousands of offers from Springleaf. I was approved for {$2000.00} instead of the requested amount of {$2500.00} and that I should go to a local branch to complete the loan. Right of the bat consumer could feel that the environment was XXXX. Was working with a rep and gave my pay stubs which stated {$110.00} short because I had inputted my gross pay amount and not net which is {$2700.00} -- not {$2900.00}. Rep stated that she tried calling me but received a message about the network ; however I had just moved to a house and was transferring service that would complete on XXXX XXXX, 2016 by XXXX. The branch manager, yells that I was disqualified because I had not phone. The fact is I have a cell phone and a landline that was being transferred. He was operating on stereotypes and assumed I had no phone. I immediately cleared that misunderstanding up, but then the rep stated that I was over the income limit as far as payments. I could not understand the problem and requested a listing of my debts, and low and behold Springleaf had tacked on a bogus payment of {$82000.00} for a student loan that has a {$0.00} payment. I immediately called XXXX and XXXX -- the XXXX credit reports used -- inquiring about this bogus {$820.00} payment. The branch manager yelled again that the credit bureaus will take 30 days to correct, and I responded back that if a blatant dispute was done via phone it would be immediately removed. He did not want to rectify the problem even though there was a blatant mistake on my application. The environment was too XXXX, so I asked for the next nearest local branch, and the rep reluctantly gave me the location. I had my filed transferred to another location. This location was more reasonable and understanding and requested documentation that my student loan payment was {$0.00}. I submitted this information, but this documentation was not enough and Springleaf corporate wanted a statement stating that for two years, my payment would be {$0.00}. XXXX XXXX does not operate this way. Recertification is every year, and for three years I have been recertifying with the same income and medical issue. I called both XXXX and XXXX this a.m., and they both stated that they are not reporting any {$820.00} payment for XXXX XXXX and that they were not reporting any payment. I insisted a {$0.00} payment be added to my credit report and not left blank. Springleaf is a scam because they would not adjust the approved loan amount to fit the {$110.00} shortfall. The adjustment could easily be done. An approval was granted for {$2000.00} with {$2900.00} income, why not make an adjustment for the {$2700.00} net income. Springleaf was adamant that the amount had to be {$2000.00} with a {$2900.00} income. Seems unreasonable and unfair dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from XXXX, Equifax and XXXX to no avail. I have disputed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with Equifax and XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX with XXXX. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and XXXX XXXX accounts for increases etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (LA).
Issue: Trouble during payment process

Complaint: Dear Sir or Madam, Im contacting you to request assistance with the release of funds paid by my flood insurance carrier to repair damages to my home from a flood in XXXX 2016. My home at - Louisiana was severely damaged by flooding. I do have an existing mortgage held by Specialized Loan Servicing ( loan # ) that are holding funds needed to repair the home.The mortgage company has required the funds to be managed by XXXX. I have had continued resistance with the service and now after a year and four months they have halted disbursement of any funds again with another excuse.I find it frustrating to get a different story on wether they will issue funds every time I call. 
XXXX issued two checks totaling roughly 23,000 in XXXX for materials and work done.They now say they dont have the adjusters reports to match the amount of money they are holding. They state the report they have is for XXXX but the checks total XXXX. They will not issue any funds even though I have provided the required documentation and receipts for material and labor.They also refuse to advance any funds to me unless I finance the materials and or labor first. 
There seems to be every effort to force me into further hardship if not default. I have just been notified that FEMA is requiring we vacate the temporary housing they placed on the property and now Im getting further resistance on funds paid to repair my home. I do not understand how the home owner is denied any right to funds paid by insurance the home owner pays for. I have been asked to finance the rebuilding of a home when the mortgage company sits on the insurance money. 
I dont expect the mortgage company to release the entire insurance check. I do think however it is reasonable to issue a portion of the funds that can be accounted for with receipts as used.As it stands I now have a material provider that has provided all documents including lien waivers but has not been paid by the mortgage company. They are willing and able to file liens for said materials. Ironically the mortgage refused to issue funds to anyone without lien waiver and its the mortgage company defaulting on payment. 
As it stands now I feel I will need legal representation if I am to repair my home. I have included the initial letter I wrote to my mortgage company last XXXX as well as documentation they have as per their website.Thank you for any assistance you may give in this matter. 



Thankyou, 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 09/29/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MD).
Issue: Account opening, closing, or management

Complaint: XX/XX/XXXX/XX/XX/2016 I was contacted by USAA treat unit who told me that my checking account had been compromised and they needed to add another level of security. I was alarmed and agreed. A few weeks later I was again contacted. This time they said that someone is trying to hack into my checking account ( this was around the XX/XX/2016. I responded please close my account. The person I was speaking with said she could n't do it but would transferring me to someone who could. After being transferred several types ( at least XXXX ) and without resolution I finally got someone who seemed to want to help She said she was also a veteran and would stay on until the issue was resolved. However, she too was passed along several type and finally she got to a person and demanded that this person close my account. Next she and the other person started arguing about who 's job it was to close accounts. This argument pursued as I was on the phone. finally the she said to me I 'll get this resolved for you and call you back. several weeks later after I had heard nothing from USAA. I received a statement that said that my account was overdrawn and I was responsible for XXXX dollars of overdraft fees. Again, I called USAA to inquire about what was going on and why was n't my account closed as I had requested weeks earlier. First I was told that there was nothing that could be done about this. ( with no explanation why ). I then escalated my concern to the CEO 's office where I was told that there was nothing that could be done but for me to pay the overdraft fees and then they would close the account. When I asked to speak to a manager. The person placed on hold and came back and said the manager " does n't want to speak with you ''. Frankly I was shocked. I 've been with USAA for over 20 years and never had a problem with their customer service. At this point I reached out to the corporate office where I spoke to a XXXX employee number XXXX. After I explained all that had occurred she said she would look into it and call me back. two weeks later after I heard nothing from she I received a letter from USAA basically saying that they are reporting me the credit companies. I called XXXX and left several voicemails and days later she returned my call and said that she had researched my complicated and there was NO documentation of my calls. And therefore I had to pay. Now like I said I 've been with USAA for years and they always document every call. I believe there is something funny going on with USAA since they initiated the concern in the first place. And now they even denie doing so. My major concern is them reporting me to the credit companies as I have a small business and a entry of this nature will serious hamper my ability to do business. PLEASE HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (OR).
Issue: Money was not available when promised

Complaint: Wire withdrawals marked " transaction completed '' on XXXX XXXX and XXXX XXXX made from Coinbase to verified savings. However the funds never came through and I have been unable to reach Coinbase support by phone or email. I have additional funds in Coinbase that I am now afraid to withdraw because {$5000.00} in wire transfers have seemingly vanished out of thin air and I have been trying to reach support for over two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Received a loan I didn't apply for

Complaint: I received an email yesterday ( XXXX/XXXX/15 ) stating my application for a loan was approved but they needed to verify information. I did not answer as I am a XXXX and did n't see the original email until later. I received a second email informing me that my loan cleared and would be funded to log into my account. I realized that I also had 5 missed calls from the same company. When I called I was asked for my social security number and date of birth. I refused and told them I did n't apply for a loan nor did I want one. I was told that I did apply and they could n't help me without my personal information. I asked for a supervisor and the same person returned to the phone and said the same thing. I logged into the website and there were loan documents that I supposedly signed. My name is not correct, nor my address. The IP address that I supposedly signed is not in the state that I am currently residing nor a city that I ever lived in or visited through a cable company that I have never used. I called my bank to close my account and I had to wait until today when the branch I opened the account with opened for business. I check my account this morning and this scam loan has funded to my account. I called, and emailed the company ( Castle PayDay ) and they refuse to help me stating that I did apply and except the loan. I am a teacher and I was in school in a conference with other people in a different state when I supposedly signed this document.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I have recently completed a chapter XXXX and ace cash express was contacted. I have completed my plan and have been receiving these letters from persons who state I am going to be sued if I do not make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HONOR FINANCE, LLC (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Other

Complaint: I am getting XXXX or more phone calls from Walmart Credit Department from an automated machine. My account gets paid the first of each month. They never send me any emails about delinquency. Sometimes there is a message on voicemail but phone number comes up unknown. On Monday, XXXX XXXX, 2015 I got another call at XXXX. They left a call back number this time XXXX. They gave me a live person to speak with after giving her my SSN and name. I told them to stop calling. I pay my account on the first business day of each month. They kept asking me personal questions and I said stop. If you have my phone number and account info in front of you why are you asking. They ignored what I said. I want these calls to stop. They kept asking for my personal information like address and email address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2017 about Prepaid card (General purpose card) with BBVA COMPASS FINANCIAL CORPORATION (AL).
Issue: Unauthorized transactions/trans. issues

Complaint: I had a BBVA Compass clearspend debit card. My debit card was hacked on XX/XX/XXXX we 're by someone was trying to charge funds to my card I reported this to BBVA Compass and they said they 're going to send me another card on the XX/XX/XXXX. I talked to them again and they explain to me what happened someone had evidently copied my card from what they supposedly said I swiped it at a pump, but I do n't remember swiping it at a pump. She said that the charges were coming out of XXXX. I called BBVA Compass again on Monday and they told me that my account had been closed and that they were not going to activate the new card that I have received from them. By this time I am a week without money. I went to a nearby Compass bank and ask them what they just release my funds to me and get so that I can have my money. I 'm they call someone in an office who said she was doing some expedited function which did n't really get me anywhere. I called them back on Wednesday and talk to someone and she said that account was closed and that she could do an expedited function and have me a check mail I asked her why when the person who said they were giving doing an expedited function on Monday did n't say anything about mailing me my money Monday in a check. She said she did not know. After talking to them I remember it that this may be the account that I set up to receive my tax refund on so now I am going to be without that money because they decided to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Struggling to pay your loan

Complaint: I had a installment loan from Regions Bank account number XXXX I was paying on time until XX/XX/XXXX when my daughter got hurt in hurricane Harvey let them know why I could n't make the payments then in XX/XX/XXXX I and the rest of my family had our house distroyed do to hurricane Irma. Called and explained that regions bank took the little bit of money I had in my checking account without my permission and applied it to the loan then reported it as late with the credit bureau 's and closed the loan out so I could n't borrow any more on it they have gone in and taken 5 payments out of my checking account even knowing I am struggling to get my feet back on the ground they did n't care about anything but their money

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 06-02-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There is an account on my credit report listed as a COLLECTION account with this company. I do not know anything about this account and it is NOT my account. I have requested a copy of any and all contracts that they have possession of in order to dispute the documentation. This is IDENTITY THEFT and FRAUD. I have NO CONTRACT with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I called Transunion due to the inquiries that have been applied on my account. When Transunion went through there Glitch a bunch of inquiries were added to my account that has never been there and not authorized from me. When speaking to a account representative stating to them I have proof of document that I was apart of the Glitch, they paid me no attention. I have listed the inquiries below that need to be removed or I will go for legal action.I am very aware of my rights and Transunion failed there legal rights to speak to the people on the Glitch and actions that where taking place. If you look through you can see where the inquires are even done at the same place months after ( This are not from me ). 

1XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX   XX/XX/XXXX 4.XXXX XX/XX/XXXX 5.XXXX XXXX ( again ) XX/XX/XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX ( again ) XX/XX/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 01/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Application, originator, mortgage broker

Complaint: Per request of CFPB on XXXX consumer is resending the Qualified Written Request to be answered by Ocwen. A qualified written request was sent to CFPB and received by them on XXXX and was not assigned a case number for Ocwen to respond to. Ocwen is in receipt of the attached QWR and should respond accordingly to CFPB. Consumer requests that the attached QWR be resent to Ocwen so that consumer may retain their right to dispute any documents submitted to CFPB by Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Consumer Loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CO).
Issue: Charged fees or interest I didn't expect

Complaint: I am completing this because I could not add to my existing complaint XXXX. 

1. I never received the written response from One Main that was sent to your agency. 

2. I did close a new loan combining the XXXX loans on XX/XX/2016. The interest rate is as it should have been all along. 
I was given a check for XXXX. I was told that I would receive a separate check reimbursing me for all the interest I was charged and not as promised. After closing the loan I have not been contacted. I have received only correspondence on changes to loans. 

3. I believe that interest should have been deducted and that amount should have been financed. 

4. What are their intentions regarding the interest. 

5. I spoke to XXXX in Customer XXXX for One Main. She is the person who contacted me and facilitated the offers. She and the branch manager told me I would get a separate check for the interest in question. XXXX also mentioned I would get something for my treatment and duress. When I called her later she told me she was leaving and the only thing I would get is the interest payment. The branch manager stated that it would take time to calculate what was to be given back to me. I believe his name is XXXX. 

I have a document that I would like the CFPB include in my complaint. I would like fax to send in. I can not seem to attach to this document.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Santander USA is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Nationstar Mortgage a couple of years ago. 
I always pay my bills using XXXX online bill pay, and have always done so. 
And for over a year everything was fine. 
Suddenly this year beginning in XXXX they have started losing the electronicpayments from XXXX. They have reported late payments to the credit reportingagencies and have threatened me with foreclosure several time since then allbecause they keep losing or misapplying the monthly payments! 
I am attempting to refinance this loan right now, but I can not get the best ratesbecause Nationstar has ruined my credit! 
They are horrible to deal with on the telephone - rude and nasty - and they treat melike I am some bum! Others need to be warned about them, and all US banksshould discontinue selling mortgages to this company immediately!

Company response to consumer: Closed with explanation