milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (HI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I began a divorce with my former spouse inXX/XX/XXXXXXXX, and we jointly initiated and signed all documents for a title transfer and a mortgage assumption of our home into my name alone. USAA is the institution handling the mortgage that was underwritten by XXXX throughout the process of the initial assumption. The divorce finalized in early XX/XX/XXXX and the completed assumption package with all paid fees ( {$350.00} ) and necessary documents was received and confirmed accepted inXX/XX/XXXX. I confirmed this through USAA and obtained a copy of the completed package. Many months went by with no word on the assumption. I was later contacted in XXXX and XX/XX/XXXX by a XXXX representative asking for updated documents for running credit history as the provided documents in the assumption package were now outdated from their company not processing the package. All documents were promptly provided. Again no progress was made for several months. I was informed over the phone by the special loans department that the representative that contacted me no longer worked in their office, and no one was aware of the status of my assumption. 

Sometime in the following months the mortgage was sold to XXXX without any notification. I was then forced to restart the assumption process through their company with entirely new documents in XXXX to XX/XX/XXXX. By the end ofXX/XX/XXXX, I was informed by the Research Department of USAA that the new assumption package was fully accepted, and their office was awaiting closing documents to be sent back from the underwriter. Between XXXX andXX/XX/XXXX I have had numerous email conversations regarding the progress, which has resulted in the same response each time, that they are awaiting closing documents. In XX/XX/XXXX I requested contact information for a manager or director. The number provided does not answer, and does not return calls when messages are left. 10-15 attempts were made over 2 months. My most resent email sent onXX/XX/XXXX has yet to be returned. I have copies of all email correspondence, assumption documents, and notes regarding most phone contacts with names and dates. 

Their office ( USAA Research Department ) does not provide phone numbers, and instead utilizes an organization email address. They appear to either be deliberately not processing my assumption, or are failing to do so out of extreme negligence. I am requesting assistance to get this assumption completed, as my attempts to do so alone have been unsuccessful now for 2 years despite taking all necessary steps two times over. I am certainly not the first military member to get divorced and assume a mortgage through USAA or its affiliates, this should have taken 30 days, not 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX,2017 Midland Funding added to my credit report for {$680.00} for unpaid credit card that already exists on my CreditReport for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I paid off my balance of {$1700.00} last month. This month, I got a statement showing a balance of {$16.00}, which was for interest. I called to complain about it, as in the past, when I paid off the previous balance, I did not incur any additional interest, as the balance was XXXX. However, the person I spoke with, XXXX ( XX/XX/18 at XXXX XXXX ) told me I must pay off my balance TWO MONTHS IN A ROW. Since when did they start this? She indicates the interest is for the balance I carried the previous month. This is ridiculous. 

A pure and simple rip off of the consumer.

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 10-06-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XX/XX/XXXX i traded cars at parks XXXX of XXXX nc located XXXX XXXX XXXX.i tried again XX/XX/XXXX and told them to only run mycredit with XXXX XXXX and no one else.i late checked my credit reports andfound that they had ran my credit a numerous other places and brought myscore down approximately XXXX points.i called them and asked them to removethe unauthorized inquiries and was told they could n't do that and the creditbureaus would not.i would like them to remove ALL of their unauthorizedinquiries

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I withdrew XXXX in Euro to my bank account. The transaction is still pending from my bank account. They are still holding my money in limbo without a response. Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX Denied employment and credit Checked Experian has wrong information I have never notifired of any collection nor do i owe anyone home or car! 
Collection item from XXXX in a small SC town.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, XXXX XXXX, experian and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be emotionally mental broken down and tired of these company when I 'm a victim

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 04/18/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Settlement process and costs

Complaint: I have submitted numerous qualified written request to XXXX XXXX, XXXX, and Nationstar. Only Nationstar has sent XXXX notice that they are researching. Our problem began this past XXXX XXXX when we entered into an agreement to sell our home since we are relocating. Upon getting the payoff we were floored to discover an additional {$50000.00} attached to our payoff!! We learned from Nationstar that this is a corporate advance for a modification with XXXX in XXXX. We never signed a modification with XXXX in XXXX!!!! Nor did they ever send us paperwork. Had they sent us paperwork we would have realized something was way wrong. We signed XXXX modification with XXXX in XXXX at our kitchen table!! XXXX was already XXXX at the time but XXXX failed to properly document. We did reach out to XXXX in XXXX but nothing was ever resolved. The next thing we knew we were with Nationstar. The false modification came when payoff was requested. Nationstar emailed the modification paperwork to us. This was NEVER signed by us. XXXX falsified, forged, or copy-pasted signatures!! XXXX XXXX refuses to respond to inquiries although they claim they will all back. XXXX flat out does out respond. And Nationstar just gives auto responses that they are working to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Other type of mortgage) with U.S. BANCORP (CA).
Issue: Struggling to pay mortgage

Complaint: Around XXXX XXXX XXXX, I was approved for a trial loan modification. My trial payments were to begin XXXX, XXXX, XXXX XXXX. I never signed any documentation in fact the readable trial loan modification documents came late. However, the correct paperwork that showed how much my trial loan payment would be. Fast forward in XXXX after several emails and calls I received loan modification paperwork with 2 additional names on the documents in addition to mine. I called the bank and the stated it would be escalated and corrected. So from XXXX through XXXX the bank and I were gong back to get correct documents. I received a denied loan modification do to the fact I did not signed the incorrect loan documents. I then appealed the denial for not being able to signed the loan modification documents because they had other people names on the document not associated to the loan and myself. The appeal came back that the fraudulent names on the loan modification had to be signed. I called and emailed US Bank several times for assistance because the same reason they were deny my modification was same reason I could not signed the modification documents. Finally, I supervisor by the name XXXX XXXX did her job and email there mortgage appoint assistant again explaining how it was an error or there end. So fast forward to XXXX/XXXX/XXXX. I receive an email by XXXX XXXX, a US bank rep manager and she explains she will XXXX the correct documents to me so I can sign. In the meantime they send me back one check in my deceased mothers name. They start to mail all documents in my deceased mothers name even though when I was paying they were sending it in my name, plus all the checks were coming from me. On XXXX XXXX when US Bank Rep told me she was sending the correct documents. On XXXX XXXX, XXXX I received a foreclosure notice and auction sale date of XXXX/XXXX/XXXX and they attached it to the door today. Now I paid all trial periods on time and paid over my trial months, the error was on US Bank. Now I have been embarrassed by neighbors, my kids are worried, and stressed that we are going to loose our home. In which I did everything I was supposed to do on my end. I did mail back the correct documents today XXXX/XXXX/XXXX once I received them on XXXX/XXXX/XXXX. The house is under water. I inherited the mess and the bank is not giving me any mercy for their error or a principal reduction. 
Sincerely, XXXX 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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: A bankruptcy is showing on my credit bureaus of all three major credit bureaus although the filing was cancelled the same day and therefore it was dismissed with a XXXX balance. 

I have disputed this mater several times and it still shows on my bureau. It was not actually me filing. It resulted in fraud on my behalf. 

XXXX Transunion 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 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Experian that I was a victim of Identity Theft and I have provided them with a Identity Theft Affidavit. To date, Experian have not removed these accounts and inquiries within the last 16 months from my credit file. The Bankruptcy information that is reporting on my credit file - XXXX ... is not mine.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am applying for a mortgage loan. I was denied because of not having a  XXXX  on my credit report. I knew my credit was n't great, but below a  XXXX  seemed incorrect. I paid for my credit report from Experian. The report I paid for gives me a score  XXXX .     When I forwarded this information to the bank, I was told Experian sent them a report stating my score is  XXXX , with  XXXX   &   XXXX  scoring me even lower.     I asked the woman at the bank if this was common, her response was " Let me just say that the scores we have are usually lower than the ones consumers tell use they are given by the actual agency. '' Considering the importance of these scores, how is it legal to sell information that is different to two separate parties about the same individual?     People are more th an a 3-digit credit score &  companies who have such a large role in determining such important aspects of Americans lives ' must operate fairly.     Experian is either lying to me or lying to the Bank, neither of which is of any comfort to me. I can not buy a home due to this error/falsehood.     It is your responsibility to oversee these companies & protect consumers.     Do your job, please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: I have repeatedly requested a legislative security freeze at no costs in full accordance with FCRA and all other applicable Federal law for victims of identity theft. I have provided documents verifying that I was the victim of identity theft ( including but not limited to the identity theft police report and notarized affidavit ) and the verification letter from the Commonwealth of Kentucky Social Security Administration verifying that my social security number was changed in 2004 as a form of relief from the identity theft from which I 've suffered ... Every time I speak with XXXX ( if I can reach her ) she has claimed no receipt of my documents. Clearly, I have provided the documents because even XXXX displays an Extended Fraud Alert which is only available to those who 've shown proof of identity theft. I have faxed the documents to XXXX ( the number provided by XXXX XXXX at XXXX ) or ATTEMPTED to several times, but there is always a busy tone. I have tried to upload the documents at experian.com/upload but there is always a pop-up window that states my submission can not be accepted online. Experian, XXXX and XXXX have all evidently restricted my access to their online portals and even general customer service, because when I call the rep who initially answers always advises me that " my account is being handled by an escalation team member. '' That appears unduly punitive, tedious and cumbersome for me especially when the said escalation team member ca n't seem to handle my basal credit report and identity theft protection needs. It 's ridiculous. I have a legislative security freeze with XXXX and XXXX. I need XXXX for Experian as well. This should be simple to obtain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted a re-certification application for my Public Service Loan Forgiveness program and for a change in my repayment plan. Fedloan Servicing denied my application because of " the use of an invalid signature ''. However, I definitely signed the document, and so did my wife. We did n't change our signatures. I think this denial is baseless, merit-less, and a stalling tactic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent XXXX letters on XX/XX/2016 ad XX/XX/2016 to XXXX and AFNI asking for signed contract or document stating validation that I owe this debit. As of today, I have not received such documents. Please remove entries from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MN).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: I accepted an 18 month 0 interest balance transfer promotion from Wells Fargo on my credit card in XXXX, XXXX. 

I called to confirm that I could still use my credit card to my regular purchases and that any payments that I would make would go towards the purchases not the balance transfer amount. They assured me that yes. And they said " The payments will always go towards the highest interest balance '' When I called the last month to make a full payment on the purchases ( and the minimum on the balance transfer ) I was told that they had - for the past several months - applied my payments 50 % to balance transfer 50 % to purchases. They explained that they had a 0 % on purchases promotion on my card ( which was unbeknownst to me, and they never told me when I called previously ). 

They then explained that the 0 % on purchases was a 6 month promotion that would expire in XXXX and I would owe the full amount of purchases then or be charged interest. 

I asked them to go back and apply all of my previous payments towards my purchases, since my balance transfer goes until XXXX XXXX and they said they ca n't. 

I believe this is an issue of structuring to harm the consumer. 

I accepted / opted in an 18 month promotion, but they gave me a 0 % on purchases that I never opted in ( apparently via mail and I had to specifically opt out ). This promotion of 0 % for 6 months in effect makes it so I ca n't actually take advantage of the 18 month 0 %. Because payment allocation goes automatically 50 % and 50 % so I end up with a balance within the 7th month. 

I request that they retroactively apply my payments to my purchases balance vs. my balance transfer.

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 05-08-2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (MS).
Issue: Account opening, closing, or management

Complaint: TD BANK USA/TARGETCREDITAddress:XXXX XXXX XXXX # XXXX, MN XXXX ( XXXX ) XXXX Number : XXXX .... 
Address Identification Number : XXXXThis is not my account, I have no knowledge of how or why it is showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2015 about Debt collection (Medical) with Professional Accounts Service, Inc. (Indiana) (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Professional Account Services, Inc. called me today, tried to get my bank account information to collect a debt. I knew I owed medical bills but I got a website from them to pay on because I do n't trust phone calls. I pay the bill online but the invoice does n't say anything about what it was for. When I call back to give them the transaction ID number for the payment they said that the debt was for XXXX ambulance rides totaling {$4700.00}, they said {$1000.00} something for XXXX and {$3000.00} something for the other one. I said ok, but when I got home I noticed that those ambulance rides only totaled to {$3300.00}. I called the original debt owner, the ambulance service, and they said that the collection agency charges an additional 40 % for themselves. I go to my bank to try to cancel the payment until I can talk to my lawyer. I could n't stop it because it was pending. I call Professional Account Services, Inc. to ask them if I had to pay the extra XXXX %. They said yes. I told them that when I talked to them earlier they misrepresented what I was paying by saying that I was paying it all to the ambulance service. They said they did n't have to tell me added on fees unless I asked, but I believed there was no reason to ask because they quoted the money going to the ambulance service bill, plus they were talking about taking me to court, plus I trusted the website which also told me nothing. Now I have to wait until Monday or Tuesday to see if I can cancel the payment through them until I can at least get everything in writing or talk to my lawyers, who are also closed until Monday or Tuesday.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (GA).
Issue: Unexpected or other fees

Complaint: They keep charging my card when I told them for three months to cancel my membership. They will not do it. How they get over is they don't notify you when they take your money. This place is a scam who fraudulently charge you without even knowing. I let them get away with it the last two months in hoping they'll cancel but they will not. Please give me back my three months and cancel it

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 09/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan servicing, payments, escrow account

Complaint: The purpose of this complaint is to voice my concern over an allege fraudulent account that may have been opened in my name. 

Additionally, I have had a mortgage account with Wells Fargo for over 20 years. Just recently I experienced several set-backs with my finances and asked them to work with me in a possible " loan modification ''. Wells Fargo refused and requested that I seek out other Government Agencies for help. Since I have been a loyal customer with Wells Fargo, I want your office to intervene in processing my request for assistance in paying my past due mortgage payment.

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