milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Consumer Loan (Installment loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Taking out the loan or lease

Complaint: XX/XX/XXXX I contacted USAA and asked for guidance. I was nearing the conclusion of the escrow for my home at XXXX., XXXX , CA XXXX. My home was under construction and nearing completion. My question was to a loan officer. I needed guidance as to what I could do to finish the back yard and other finishing construction needs once I closed on my home. I knew that I would have {$30000.00} in equity upon closing between the purchase price and the value of the house without the upgrades. 
I was advised to take out a personal loan with the purpose of converting it into a Home Equity Loan after closing. I was concerned that the payment was high and told the loan officer that I could only carry that payment of over {$700.00} for two months at the most. I was assured that I would only be responsible for that payment for 30 days at most. After several days of consideration and discussion with knowledgeable friends, I consented to the arrangement on the condition the loan would be converted right after closing in XX/XX/XXXX 
I closed on my home, activated the USAA loan as agreed, and called to convert it to an Equity Loan in XX/XX/XXXX per our agreed plan. 
I was told nothing could be done at all because USAA 's technological system was being updated. 
I called in XX/XX/XXXX and was told the system was being updated and nothing could be done. 
I called in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX XXXX times and was told the same thing. 
I called twice again in XX/XX/XXXX and was told the same thing. 
I called three times in XX/XX/XXXX and was told the same thing. 
I called multiple times in XX/XX/XXXX and was told the same thing. 
I called in XX/XX/XXXX many times. The third or fourth call I was told USAA was not granting Equity Loans any longer. 
I asked what other options I had, and was not guided in ANY way. 
I called back in XX/XX/XXXX and was not guided or helped. 
I called back in XX/XX/XXXX and was told to go to another institution. I was not guided as to what institution or what to ask for. 
I called back in XXXX XXXX and was not given any options by USAA. 
I called multiple times in XX/XX/XXXX and was just told to hurry up and find something. 
I have requested someone from your office to contact me for help in finding a reasonable product. I have made this request in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not heard from anyone in your office and it is XX/XX/XXXX. 

USAA Banking knew from the beginning that I was seeking an equity loan not a personal loan with a monthly payment of over {$700.00}. An equity loan came with a monthly payment of {$350.00}. I was purposely put of with the objective on USAA 's part to keep me at the $ XXXX monthly payment when they knew from the beginning that I did NOT ask for or seek in any way a personal loan!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I called on XXXX XXXX, 2017 to inquire about switching to an income based repayment program with a lower monthly payments. I was told to submit my application, that the following month ( XX/XX/XXXX, payment due XX/XX/XXXX ) I would be unenrolled from current repayment plan and have a one time {$5.00} payment. That this one month would not count towards my 120 payments for PSLF, but that the new repayment plane would take affect in XX/XX/XXXX ( due XX/XX/XXXX ). I called XX/XX/XXXX to inquire about the status, as my payment would bill XX/XX/XXXX, and was told my app was flagged for a 15 day manual review, but that I should ignore the initial bill and would still pay the one time {$5.00} payment on XX/XX/XXXX. I called on XX/XX/XXXX to follow up and was now told that the {$5.00} payment would not be until following moth and that my bill was still {$420.00}. I asked to speak to a supervisor and was told my request had not been processed, that I did not have to make the {$420.00} payment due XX/XX/XXXX, but that neither the XX/XX/XXXX payment, nor the {$5.00} payment that would now be due on XX/XX/XXXX would count toward my PSLF. 

The supervisor I spoke to today, XX/XX/XXXX, is XXXX, XXXX. 
This company is not informing federal loan borrowers properly about their repayment options, or the process for switching payments. They have caused an unnecessary delay and issue with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 )

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Payday loan, title loan, or personal loan (Payday loan) with CIT BANK, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have had accounts opened in my name with banks. One of these accounts is with XXXX XXXX. I called them several times last XX/XX/XXXX to notify them of this account being fraud but they have not yet closed the account and are letting further fraudulent use of these account to occur.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have federal student loans with Navient. I went into repayment around XXXX and had signed up for the income based repayment. I soon realized that I would n't be able to maintain my repayment amount and called to find out if I could have my payments reduced or if there we 're any other options available. The loan office I spoke on XXXX XXXX 2016 to told me that my payments could n't be lowered and that my only other option was to put my loans into forbearance unless I provided proof with pay stubs or taxes that my payments were going to be too much to manage. I signed up for the forbearance which was approved XXXX XXXX 2016 and ends in XXXX but I still feel discouraged and doubtful about my loan repayment. The officer was not understanding at all and now I 'm accruing more interest when I could have been paying an amount that would be suitable for me. I was also unaware of a delinquency notice I received and was not told about it when I first applied for forbearance in XXXX of 2016. Meanwhile the notice was sent to me in XXXX of 2016. I believe that people should really reach out to you and no only when they want you to pay a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: i was told by refinance company that 3 credit burears reported that iam XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Diversified Consultants is attempting to collect a debt that I do n't owe and I never established a contract with this company. Furthermore this company is reporting a negative tradeline onto all XXXX of my credit reports which is violating the FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A company called XXXX XXXX appeared on my credit report recently. You can never get a hold of anyone one. their voicemail is always full. When I researched the company online, it states their a fraud, and that they try to collect on accounts they do n't have the right to, and that they never credit funds to account, etc. when I researched, this was for an old account with a security company over 4 years ago, which was taken care of, they picked up their equipment. Now recently some new company XXXX XXXX is trying to collect

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 03-04-2016 about Payday loan () with Smoky Management, LLC (CT).
Issue: Received a loan I didn't apply for

Complaint: A company called Cash Advance Now sent me an e-mail stating that I applied for a loan and it was approved. They also called my cell phone and my work. When I spoke to them they said I submitted an application online and I did not. They had all my information of where I worked my bank account, address, social everything. I told them I did not apply and I do not want their services. I feel like they were trying to push this on me and I never applied for this.

Company response to consumer: Untimely response
Consumer complaint received 12/26/2015 about Debt collection (I do not know) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: in XX/XX/XXXX my spouse, i co signed an apartment lease for my sister and her partner. due to XXXX she was not able to pay so she quit the apartment within the 2 day time frame allowed before additional month charge would apply. apartment was left in GREAT condition. when walk through with manager was conducted she stated that only carpet cleaning would be charged and late month. rounding the amount debt would have been no more than {$1500.00}. when attempted to pay XXXX, they declined payment. credit report now shows a debt of {$3100.00}. 
XX/XX/XXXX i hired the services of XXXX XXXX XXXX due to identity theft and they noticed IQ data reported different amounts owed to different credit bureaus. IQ data states that debt has earned interest and not to contact them without a lump sum to be considered. IQ data has declined written confirmation of debt and keep repeating " you signed the lease, we do n't care who pays. we are doing you a courtesy of allowing this conversation ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Mortgage (Conventional home mortgage) with FBC MORTGAGE, LLC (FL).
Issue: Improper use of your report

Complaint: On XX/XX/XXXX I went to a Preconstruction site seller ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) had their preferred lender on site. New home consultant, Lender ( FBC mortgage ) and myself began to Converse about purchasing my first home ( conventional loan ) I wanted to move forward I filled out a loan application, signed a contract and my credit was pulled I was advised by lender to get with his credit repair company he works closely with to get my credit up for a better interest rate down payment was made ( XX/XX/XXXX ) I never received an approval letter or a denial letter. Lender pulled my credit several times without notify me or communicating with me for five months. My credit is going down paid credit repair company emailed me in XX/XX/XXXX stating he needs 4 more months to work on my credit I canceled repair service. Notify the lender and builder of my cancellation once I did that home is complete in XX/XX/XXXX they schedule closing date XX/XX/XXXX I was not able to close due to my credit score builder ( 13 floors ) said I 'm in default and they are keeping my down payment ( {$19000.00} ) Builder 's attorney sent me a default letter with an extension for XX/XX/XXXX with penalties {$170.00} per day starting from XX/XX/XXXX up until XX/XX/XXXX. Because I did n't let them pull my credit on XX/XX/XXXX due to me getting a new Lender and attorney I received a letter stating my deposit will be disbursed to the seller directly and the property has been placed back on the market for sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: Was denied a purchase using my debit card. No notification was sent to my phone nor was any notification posted to my online account. The debit card transaction was at a store that I frequently purchase goods, 3 times in the previous two weeks. When I called Chase they indicated that they froze the account because they needed to verify a charge. If such urgent action is needed to verify potential fraud, then I should be notified and not inconvenienced of having my transaction denied and wasting an hour of my time shopping but coming home empty handed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Debt collection (Private student loan debt) with Weltman, Weinberg & Reis Co., L.P.A. (CT).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Before I asked for debt validation, they used to call me very frequently and the language that was used was as if they were attorney 's collecting on a debt by representing the original company. 

After I asked for debt validation and they sent me the paperwork, the letter had, " XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ''. 

They sent this information in XXXX XXXX XXXX after I requested this information a few months ago. 

My main issue is that they present themselves as attorneys over the phone and in writing and this information is n't correct. 
Lastly, I do not claim this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Mortgage (VA mortgage) with Iconic Mortgage Corporation (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received both mail solicitation and telephone solicitation from Iconic Mortgage, Inc, a mortgage broker firm in XXXX Florida. They claimed to be calling me about a " new VA loan program '', a XXXX Hybrid loan. This is not a new loan program. 

After discussing further, the loan representative state this program would allow for a 2.375 % rate in the first 3 years and that in year 4, the highest the rate could go up would be 3.375 %. At this point, I would be able to lock in the 3.375 % rate as long as I had no 30day late payments. She reiterated that I would be able to lock in the 3.375 % rate in year 4 and that this loan would save thousands of dollars. 

I found many misleading statements that would have cost me thousands of dollars in additional debt. Here is a summary of the misleading items I identified after reviewing the documents they sent a notary out to my house to sign : The figures provided by the loan rep summarizing the loan were incorrect and misleading. Principal payment with the 2.375 % 3/1 Hybrid is XXXX/mo but I was told via email it would be $ XXXX/mo with over {$53000.00} in principal payment by year 4. 

After 4 years, my loan balance would have actually be HIGHER with this refinance by almost {$10000.00}. At this point, I would have been subjected to an adjustable rate when interest rates would almost certainly higher than current rates. My payment would have gone up and I would have paid less into principal. 

I was told this loan allowed for me to lock in a 3.375 % interest rate in year 4. I asked for documentation proving this. In fact, everything I was given stated I would be able to lock at MARKET RATES, which will almost certainly be higher than 3.375 % and my current 3.875 % fixed rate. 

The Lender Certification within the packet sent to me stated I would recoup my loan costs in 8 months because they used monthly savings that were my FULL Principal and Interest payment on the loan, not savings from my current loan. This is, at best, an egregious error and, at worst, intentionally misleading and possible fraud. 

Finally, the closing costs were outrageous. They were charging 0.25 % in points for the interest rate, which was never disclosed to me in our conversations or emails. They also had an origination charge of 1 % along with a {$590.00} " underwriting fee '', MUCH higher than costs charged by almost any VA lender. 

I believe Iconic Mortgage, Inc uses false and misleading statements and advertisements to lure veterans into a costly refinance where the mortgage broker, their company and the lender make money at the veteran 's expense. Other veterans without the experience and knowledge to identify these items would lose tens of THOUSANDS of dollars with a refinance like this. That cost would almost certainly go up over the life of the loan if and when interest rates rise above current rates.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Consumer Loan (Vehicle loan) with Portage Financial Services Company Inc. (OH).
Issue: Problems when you are unable to pay

Complaint: I financed a vehicle, XX/XX/2004 XXXX thru XXXX in XX/XX/XXXX. In XX/XX/XXXX, the car was parked outside my home and was damaged by a hit an run driver. My insurance company at the time paid the car off but there was a balance left for financing, as I was unaware of GAP insurance at the time. The car dealer did not mention or offer GAP insurance so I did not know this existed. After paying off the car, XXXX financed a XX/XX/XXXX XXXX in XX/XX/XXXX. By this time, I 'd given birth to my second child. XXXX XXXX offered a {$110.00} ( {$58.00} bi-weekly ) a month payment amount to pay off the balance of the XXXX For a while, I was able to cover both payments but as times got hard, being a single mother of XXXX, and I fell behind on making payments. XXXX, from XXXX agreed to work with me and adjusted the monthly payments on the XXXX to compensate both accounts ( I was paying {$250.00} but it was split between both loans XXXX. This stopped in XX/XX/XXXX. I made several proposals to the company, asking if they could put the XXXX loan at the end of the XXXX loan and payments would continued to be made once the XXXX was paid off. UnfortunatelyXXXX was n't able to accommodate. XXXX decided to start taking my monthly payments off of the XXXX and applying them to the XXXX. I called several times to have them reverse the transactions and filed a complaint with the BBB regarding Its collections practices. XX/XX/XXXX - XX/XX/XXXX, I went back and forth with P.F.S.C. INC regarding my inability to make the additional payments for the XXXX. In XX/XX/XXXX, I received a notice of garnishment of my earnings stemming from a lawsuit that was filed back in XX/XX/XXXX but I was never notified of the suit by XXXX nor Its counsel XXXX. XXXX, lied under oath and signed an affidavit claiming that I was served notice and was granted a default judgment on behalf of XXXX and I was never given the chance to defend myself. This was a deliberate attempt to steal funds from a single mother of now XXXX children. I have lost my home, all of my personal belongings because I could not afford to pay the storage, I am currently homeless due to the inability to make monthly rental payments. I tried to work this out with the company but was not afforded the opportunity too.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Closing/Cancelling account

Complaint: contacted the company to build my credit while filing a chapter XXXX bankruptcy in XXXX. I paid {$300.00} and received a credit card and worked hard at building my credit. Company closed my account without informing me of this process prior to accepting my payments and deposit. I have lost my deposit, credit with the company and my credit

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