milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: This complaint relates to the credit card issuer improperly charging interest on a cash advance and failing to apply payments to the highest interest-rate balance first, as required under the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. 
I have a credit card issued by USAA Federal Savings Bank, issued in XX/XX/XXXX, that was offered with an introductory 0.00 % interest rate on balance transfers through XX/XX/XXXX. 
I made XXXX balance transfers to this card, XXXX for {$12000.00} on XX/XX/XXXX, and XXXX for {$6000.00} on XX/XX/XXXX. Both of these are subject to the 0.00 % interest rate. 
Additionally, on XX/XX/XXXX, I used the card for a cash advance of {$2500.00}. That cash advance is subject to an APR of 8.9 %.
On XX/XX/XXXX, I made a payment of {$1000.00}. On XX/XX/XXXX, I made a payment of {$2500.00}. Neither of those  payments were applied in full to the cash advance. Instead, only {$600.00} was applied to the cash advance, and the rest of the payments were applied to the zero-interest balance transfers. 
When I spoke with USAA customer service representatives on the phone, once in XX/XX/XXXX and again onXX/XX/XXXX ( after receiving the latest bill ), they said that the payments were being applied to the earliest charge first ( the balance transfers ), and would continue to be so applied until those are paid off in full, and would only be applied in full to the cash advance balance after that. In the meantime, they informed me, USAA intends to continue to charge me interest at an 8.9 % APR on the cash advance. 
I pointed out to the USAA representatives that such a policy and practice is violates the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. That law clearly requires credit card issuers to apply any payments in excess of the minimum to the highest-interest balance first. That law explicitly includes cash advances. 
Since USAA has declined to correct this misapplication of my payments, and is continuing to improperly charge me interest, I am requesting the help of the CFPB in having them immediately adjust those payments to apply them retroactively to the cash advance rather than the 0.00 % APR balance transfers, and to have USAA reimburse the improper interest rate charges of {$15.00} made on XX/XX/XXXX, and {$14.00} made on XX/XX/XXXX. 
I also request the the CFPB ensure that USAA is not improperly charging other customers interest and improperly applying payments to balances chronologically, rather than according to which has the highest interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with Franklin Collection Service, Inc. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a letter to Franklin Collection Service asking that they remove their unauthorized collection from my account. I received a letter back saying that they would delete this on all XXXX bureaus. The first letter I sent was on XXXX/XXXX/16, said they would delete on XXXX/XXXX/16 and it is now XX/XX/XXXX16.They have yet to remove anything from the bureaus. They are still reporting on my credit and therefore damaging it and my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/15 my identity was stolen & several charge cards were opened in my name. This person also went to my bank on XXXX/XXXX/15 in attempt to withdraw funds from all of my accounts. Luckily a wish bank teller refused & called me. On XXXX/XXXX/15 I called Macy 's ( they were listed as XXXX of the fraudulent accounts ) to say that the account was opened fraudulently. I was told that the card had not been used yet & they closed the acct. In XXXX XXXX I received a Macy 's bill for {$1300.00}. I called Macy 's again & was told that the card had been charged on XXXX but a processing delay meant that the rep had n't seen it when I called. They said they 'd send me the fraud claims forms & they did ... 2 MONTHS LATER. I submitted my Identity Fraud Affidavit, Police report, proof that I was at work XXXX miles away that day, & proof of identity. I waited a month & called Macy 's to check on my status ... they claimed that they never received my proof, that is until I showed that I sent it via certified mail. I was told that they 'd " expedite '' my claim ... I called in XXXX XXXX ; nothing had been done. Macy 's reported the account as delinquent & my credit was suffering. They told me that I could do nothing about that but promised to " expedite '' my claim ( again ) ... nothing happened. I called in XXXX, same thing. This time they PROMISED that my claim was being " expedited '' for real this time. In the meantime, Macy 's is still reporting the account as delinquent. I called today & requested an update on the account as well as their address to their legal department as I was going to have an attorney send a Letter to Compel. They refused to give me the info. I was put on hold three times, each for about 45 minutes before the line was disconnected. 

My rights as an identity theft victim have been violated by Macy 's reporting the account as delinquent while it is under investigation. I also feel that they are stonewalling the process my taking 8 months to investigate my claim. I have always been willing to provide more proof if needed. I feel that the fact that my bank alerted me and can verify that this person has a fake ID under my name ( XXXX misspelled ) ; that my work requires us to use a fingerprint to clock in ; that I have a police report ; and that I called Macy 's to report it as fraudulent before they knew the card had been used should be sufficient. Their refusal to provide me with the legal departments address is sleezy at best.

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 monetary relief
Consumer complaint received 05/27/2015 about Mortgage (Home equity loan or line of credit) with EMBRACE HOME LOANS (TX).
Issue: Application, originator, mortgage broker

Complaint: I XXXX XXXX applied for a refinance loan for my home with Embrace Home loans. I was assured my application would pass at least that is what the loan officer told me. I asked before I paid XXXX for an appraisal. The loan officer said, " I do not see why it should not pass ''. So I paid for an appraisal. Also I was told I had a credit score of XXXX and my spouse of XXXX. I received a letter from Embrace denying my application and along with that application was my credit score which read XXXX and spouse was XXXX. Furthermore, the appraisal had errors. XXXX error was the house was built in XX/XX/XXXX but it was actually was built in XX/XX/XXXX. Which concludes appraisal was invalid therefore a refund of the appraisal would be appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: When moving out of my apartment, I received the attached move out form showing nothing was owed. The collection in discussion was filed mistakenly for breaking my lease early which I did not. Also attached is a handwritten letter from the property manager stating this was their mistake as well. I have been waiting for weeks now trying to get a more formal letter so that this can be corrected but they are no longer taking my calls.

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 11-04-2016 about Payday loan () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Charged fees or interest I didn't expect

Complaint: My mother got sick and all my money I gave to the hospital for her treatment and now I 'm back up on my rent

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We are in the process with Bank of America to try to save our house from Foreclosure ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner ) ... We finally decided to get lawyer after XXXX attempts with Bank of America went no where ( never received Fax 's, after having proof that they did receive all papers on time, we were denied because they claim they did not receive papers. Well now, we are here today at almost the very same issue with Bank of America ... .We were notified by Bank of America XX/XX/XXXX that in order to apply for Modification we would have to have all papers to them Faxed by XXXX XXXX 2015, which we did ahead of time ... ... now we received letter from XXXX XXXX that they will be handling all concerns regarding this loan as of XXXX XXXX 2015 ... How could this be? and how can it be legal while working with Bank of America, they decide before our original deadline to give over to some other company. I am pleading with you to look into this matter, we want to save our house and will do anything that we need to, but we are not being handled fairly, honestly or justly and this is criminal what this Bank of America is getting away with ... as a matter of fact the original loan came from Country wide, which was toxic in the first place ... .would like someone to look into this matter and help resolve this never ending nightmare ... ... Thank You XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Student loan (Federal student loan servicing) with ConServe (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: spoke with collection agency and was suppose to be setup on the rehabilitation program, I sent over the required documents and approved to make {$5.00} payments and they have submitted my loans to garnishment. This is causing me further financial hardship and they have mishandled my student loans and are not helping me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds XXXX from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Home equity loan or line of credit) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have requested information and documents from this mortgage company to no avail to the point that it 's frustrating. When I do get a response I am told that the information will be forwarded to me but they do not do so. I 'm on this trend since last year and still do n't have a resolution to the matter. All I want is a billing statement translated to the XXXX language since the mortgage branch is located in XXXX XXXX. The billing statement is to disclose information regarding insurance, property taxes and others.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Both equifax and XXXX have my account with XXXX listed has charged off or repossesed. My car I got through them was stolen on XXXX XXXX and I have the police report to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Trouble during payment process

Complaint: I refinanced my mortgage in XX/XX/XXXX, with my mortgage finally transferred to Chase for servicing in XXXX. My biannual property tax bill due in XX/XX/XXXX was not paid by any of the companies involved with my refinance or mortgage servicing, and I received a overdue tax notice On XX/XX/XXXX. I immediately notified Chase by phone and they assured me they would take care of the bill right away. I sent an image of the bill through their Secure Message Center, and received confirmation from Chase on XX/XX/XXXX and " Please rest assured I have forwarded your request to our Tax Department for review. 
Please allow 7 days for processing. 
Please keep in mind, it could take up to 30 days for the payment to process and reflect on your monthly statement. '' I called on XX/XX/XXXX to check the status, but there was no further information. 

On XX/XX/XXXX, I received a Final Notice Before Tax Sale from the county property tax office. I logged on to my account to see no payment had been made from my escrow account for taxes, I called Chase immediately to check the status. The tax department representative told me no action had been taken on paying my property tax bill, but they would process the payment right away. 

I am concerned that Chase will be slow to pay this bill, or not pay it at all, sending my home to a tax sale.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have recently requested a copy of my credit report. I noticed credit inquiries in my file which were removed and now have been reinserted without the 5 day notification which is law according to the FCRA. I contacted the creditors via mail no response so I am looking for the law to be enforced and these inquiries re-removed as it is affecting my credit score.

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 02-09-2017 about Debt collection (I do not know) with EOS Holdings, Inc. (MI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have no idea what this pertains to. I have received numerous emails from this company. I have not authorized them to contact me via email. The email asks for me to enter personal information and I refuse to enter any personal information in order to receive the attached document. For all I know, this could very well be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was sued and placed in collections with this company but the case was dismissed and placed in my favor. I disputed this account with Experian and they came back and said that the account remains. I provided my court documents in the dispute showing that the collection was dismissed in legal litigation. The report number was XXXX. Please remove the XXXX XXXX collections from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2016 about Debt collection (Mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call from different numbers up to 8 or more times a day. Their frequent calls is not going to put money in my bank account to pay them.

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 02/16/2016 about Bank account or service (Other bank product/service) with Blackhawk Network Holdings Inc. (CA).
Issue: Account opening, closing, or management

Complaint: Previous case number is XXXX. 

Blackhawk Network Holdings Inc owes me {$5700.00}. I submitted all necessary information on XXXX XXXX, XXXX to receive the refund owed to me and I have the email to prove it. They claimed to have sent me a check on XXXX XXXX, XXXX which I have not received. After filing a complaint with the CFPB, on XXXX XXXX, XXXX, they stated they will reissue a check and I should receive it in 7-10 business days. I have not received it. Furthermore, I called today ( XXXX XXXX, XXXX ) and confirmed that the last time they issued a check was on XXXX XXXX, XXXX and that the case has been closed. This leads me to believe Blackhawk has been deliberate in not sending me the funds owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/15/2015 about Credit reporting () with SELECT PORTFOLIO SERVICING, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: my ex-husband is responsible for the refinancing of all past due and all outstanding payments of mortgage as per divorce documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage lender Wells Fargo has refused to work with us regarding modifying or refinancing our mortgage. We recently sent in a request for either a loan modification, refinance, or a principal reduction due to the fact that my husband has taken a pay cut with his company in order to retain his job and we wanted to take advantage of the all time low interest rates for a lower payment and not have a interest only payment but include some principal so it is getting paid down. We have been denied at every step with Wells Fargo and it has taken from XXXX to XXXX to get a refusal. Wells Fargo did completed a temporary loan modification with us on XX/XX/XXXX with a interest only loan for XXXX years and a lower interest rate but it steps up the interest rate each year until XX/XX/XXXX where the interest rate will cap at XXXX, then will re-adjust the payment to include principal and interest. We also have a balloon payment due of {$26000.00}, that was added to the mortgage for attorney fees, late fees, and other fees by Wells Fargo because of the modification and we are not quite sure when that balloon payment is due. We now currently owe {$520000.00} on our mortgage. They did lower the interest rate to reduce the payment but we think we are worse off now then before. The recent appraisal that Wells Fargo completed in XX/XX/XXXX the house appraised for {$440000.00}. We have contacted the XXXX XXXX Financial Counselor ) to help with trying to get Wells Fargo to work with us but they have not been able to achieve any results either. We have contacted other lenders to see if we could get our mortgage refinanced but because we are underwater they can not work with us. 
The reason Wells Fargo states that they can not do anything with out loan is because they only service the loan and can not contractual make any changes to it. The loan is owned by XXXX Bank and research shows that it belongs to Wells Fargo Bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with National Commercial Services, Inc (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: on   XXXX   XXXX   XXXX   a car registered to me was involved in a car accident. I was not driving the car but understand I am liable for damages. I have been given  two  different amounts by this company. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$3200.00}. On   XXXX   XXXX   XXXX  , I received a collection letter in the amount of {$5200.00} which is  XXXX  more on the same debt. I sent a certified letter to this company on   XXXX   XXXX   XXXX   asking for a itemized break down of these costs and did not get a response. I informed this company that I am willing to take care of this debt but we need to come to some agreeable solution. This company has threatened to take my drivers license if this is not resolved

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, Equifax and XXXX several times.

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 Experian Information Solutions Inc. (IL).
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: The credit bureaus have not investigated and removed my fraudulent accounts that is a result of identity theft on my credit 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 explanation