milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I setup bill payments through my USAA checking account. I forgot to transfer the money in from my linked XXXX Checking account causing the funds to not be in the account when USAA attempted to create the bill payments. This was my error, however, at my other banks ( XXXX, XXXX, XXXX ), when you create a bill payment and the funds are n't in the account, the bill payment simply fails, and you get an email or notification that " Your bill payment for XXXX merchant for $ XXXX failed ; transfer funds and reinitiate the transaction ''. At USAA however, when this occurred, the bank charged me {$29.00} insufficient funds fee, 5x for the different bills I had setup. I had no idea that this was occurring this week until I logged in today and noticed my balance. When I called to speak to a representative, they told me that USAA uses a 3rd party servicer to send out these bill payments and these are not checks that are SENT by USAA but rather, the third party servicer creates a draft and deducts the consumer 's account to create the bill payment -- essentially, the customer is creating a check/ACH to be drawn from their account. There is no disclaimer that this is what they are doing in your mobile app or online. There is no notification that they use a third party servicer. And moreover, this works so differently than other banks, that a normal consumer has no way of anticipating this, as every other bank simply fails the bill payment. Now granted, I should have transferred the funds into my USAA account but normally, when I send bill payments out, something like this would just be a minor nuisance for me to have to go in and redo the transaction after transferring money. I did not write a check or ACH to a merchant and tell them to draft my account, I did not use my debit card at a store knowing I did n't have funds. All of these are valid reasons to charge fees but in this scenario, a customer has NO WAY OF KNOWING that USAA is n't just taking money of their account and sending it or will get a fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2017 about Mortgage (FHA mortgage) with CountryPlace Acceptance Corporation (NM).
Issue: Trouble during payment process

Complaint: MIP was increased a second time without any notice. I realized online while trying to pay XX/XX/XXXXt due mortgage premium. I would like to protest the MIP increase until I have a detailed notice with increase calculation and the option to verify my tax and insurance payments. In the past, I have been able to lower my insurance premium and still meet the mortgagor 's guidelines for coverage. 

Also, the last time my MIP was increased it was in the thousands of dollars due to Country Place Mortgages ' error, and I had to contact HUD to advocate might rights. Country Place Mortgage has not taken any action to remedy the errors and hardship they cause consumers. Country Place mortgage improperly reported me negative on my credit and I had to involve HUD yet again to get them to remove the negative rating. This company continues to cause me undue stress and I would ultimately like to have my mortgage moved to a lender that actually provides customer service and has a vested interest in their customers. 

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 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I have filled numerous complaints with TransUnion and they finally responded by removing the 3 loans that were originaly XXXX XXXX XXXX XXXX # XXXX which were well over XXXX years old. XXXX sold these same loans to XXXX XXXX XXXX. 
TransUnion only removed just one of the XXXX XXXX # XXXX and not the other 2 were left on the report. The remaining 2 also need to be removed. These other 2 loans are both numbered the same which are # XXXX both reported on X/XX/17 according to theTransunion Resolution Summary. 
The remaining 2 XXXX XXXX are the same XXXX loans and need to be removed from my credit report also. We were warned by the refinance agencies that TransUnion would be difficult to deal with and they were right.I am old living on a fixed income and need to refinance my house but the the game playing by TransUnion still continues. Why did n't they remove the others like XXXX did?

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 08/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: I had an unjustified foreclosure created by OCWEN with misleading " assistance '' that lead to 6+ years of court- for all the same issue that have been seen by others in complaints against the company. FINALLY, with help of law office, we closed the case in XX/XX/XXXX with all payments up to date and a modification agreed to. 
Even though, to reach the modification, we went beyond the 3 months trial payments ( trial mod was XX/XX/XXXX ) and continued to pay for ONE YEAR after the supposed trial term. They even kicked back payments, refusing to accept them and then claiming we did not make the payments. This confused the attorneys on both sides. 
Finally, after being asked to submit 3 months payment at once to catch up after they refused the money, I was told by their attorney that, going in to XX/XX/XXXXtrial date ( XX/XX/XXXX ), if I made that month 's payment as well, they would finalize the modification ( even though mod agreement only specified trial 3 months back in XX/XX/XXXX. ) I complied and all payments - according to their attorney - were up to date in XX/XX/XXXX and the foreclosure case was closed, with a new modification for me. This new mortgage was worse than the first with OCWEN increasing my initial payment by hundreds, adding property insurance and DOUBLING my existing mortgage ( also handcuffing me to this new mortgage by promising to take thousands off if I make payments over the next few months/years. ) 2 weeks after the case closed, I received a new statement from OCWEN that said I owed an additional {$8000.00} and that I was one month late with my monthly mortgage payment. 
Multiple phone calls to OCWEN only serve to bounce the issue from person to person, department to department with no resolution. They claim the amount is owed from payments that I have already made, they make no effort to clean up their own mess and have now issued a notice of default AGAIN, threatening to foreclose.When asked for details about the amount they say is owed, the people on the phone said to contact the research dept. to investigate ... .this is basically like having me defend my status instead of them proving what they are claiming. 
Besides the mess of a modification and new mortgage payments, this is OCWEN taking things to a whole new level by being misleading, unhelpful, and giving me the run around to waste time - on purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX APPEARS ON MY CREDIT REPORT. WHO IS THIS PERSON? I HAVE NEVER HAD ANY AFFILIATION OR ALIAS OR ANY OTHER CONNECTION TO THIS NAME BUT IT STILL APPEARS.

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 12/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Transaction issue

Complaint: On XXXX XXXX, I attempted to purchase a personalized gift card from American Express using my American Express credit card. However, when I attempted to complete the order, I got a server error message and never received formal confirmation that the order was successful. I called Amex several times that day and spoke with XXXX people for over an hour! I wanted to cancel the gift card because I was so disgusted that so few know what they are doing in customer service and each time the gift card group was attempted to be contacted, the line would disconnect or the wait time was over 10 minutes and I would get disconnected again. But American Express would not allow me to cancel because they stated the charge was pending. That I had to wait 48 hours for the transaction to go to pending to recent activity. I checked my activity online every day since and the pending amount of {$77.00} was no longer there when I checked on XXXX/XXXX/16 but it was not on my recent activity. So I was not sure what was going on. At XXXX XXXX EST I received an email from American Express stating that the gift card was shipped. But when I checked my account activity several times prior to XXXX EST and afterwards the {$77.00} charge did not appear on my activity nor pending. Proof attached. I was again angry because American Express has a terrible customer service group that is mostly outsourced. I spoke with someone at XXXX EST and I asked why I was not able to see the charge before having the ability to cancel the order? 
So they shipped the card to the recipient and when I asked about cancelling the order I was told they would do it but then the recipient would receive a card with no funds. It is absolutely ridiculous. How could I cancel an order and have a gift card sent to someone without any funds? What is illogical to me is that if I order something online from a large department store, I have the ability to cancel the order within 30 minutes of the transaction. 
But I ordered something from American Express and they would not allow me to cancel the transaction before being approved. So in my view, what Amex just did is not within normal standards and I was never given the proper opportunity to cancel the gift card before it officially appeared on my activity. They basically cornered me and I felt forced to leave the charge as is because I could not in good conscience have them ship a card to someone without any funds. This is n't proper procedure in my view and I find it a violation of ethical and regulatory standards.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am a member of Experian 's credit monitoring service. My score continues to drop because there is a technical error in their calculating algorithm. They have admitted to this problem as well as admitted its also affecting other customers. I filed my original complaint with them XX/XX/XXXX, case number XXXX, I have made several phone calls and I am told after 4 months that it is still in motion and being reviewed but they can not contact anyone internally in the technical support department to check status. Further more the analytics they provide on my account are incorrect, and fraudulent. Other credit bureaus have me listed in the 700 range while experian has me calculated because of their system error XXXX points lower. They refuse to fix the problem, and provide no service or information to help correct the issue.

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 06-12-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In   XXXX   wells  Fargo  charged my account off due to not paying. Since then for the last 6 years they have been updating my account every month which from my understanding is illegal to do. I 'm trying to get a loan for a house and this is the only thing holding me back. It also shows a balance for {$7400.00} which of it was charged off i would n't owe wells Fargo. I called them recently and they are updating my address but would n't accept any money or talk about my credit with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: USAA reported to the credit agencies that I still owe a balance on an account which had a settlement agreement to settle in full for less than the original balance.. I disputed the debt with the credit agencies and they told me that USAA verfied to them that I still owed them money. This is inaccurate. USAA has had phone conversations with me stating that they are allowed to report a balance on the account since the settlement offer was less than the full amount. This is inaccurate. They are required to update my report with a  XXXX  balance. They are not allowed to tell the  XXXX  credit agencies that I do still owe a balance when I in fact, do not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: EXPERIAN is not INVESTIGATING PERSONAL INFORMATION and ACCOUNTS LAWFULLY, simply telling me they are verified is not the law. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''

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 04/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I 'm filing a complaint because I have sent Diversified Consulta nts two  certified letters so they can validate a debt they claim I owe. The first letter was sent out on  XXXX   XXXX  which they received on  XXXX   XXXX ,   XXXX   at  XXXX . I never got a response. On  XXXX   XXXX ,   XXXX  , I sent another certified letter which they also received on  XXXX   XXXX ,   XXXX    XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient is using XXXX as their debt collector. I sent them several letter via certified mail with return receipt requesting debt validation and a hearing. I also called them several time. When I call they deny receiving any mail from me even though I give them the number of the certified mail. I also informed them that I am in bankruptcy to stop all collection. They stated that they do n't have to stop collection because the government is the guarantor. I sent them my suggestion of bankruptcy with the case number via certified mail. Each time I call they deny receiving it. When I give them the case number to make a note in the record, they do n't. So the next time I call they claim again having no record of my dispute letter or any information on my bankruptcy. They are refusing to stop the administrative wage garnishment. I 've attached documents to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (I do not know) with Ditech Financial LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received " robo call '' stating to call " DITECH, A DEBIT COLLECTION AGENCY '' gave me a # to call ... called the # given, " non-working # '' Called # on my caller ID. Phone answered, I asked whom I was speaking w/ & the name of the company. Female on line said " I will not give you any information ... We are trying to contact XXXX or XXXX '', I stated that I was neither of those XXXX. told '' I would be removed from system '' have had similar calls in past stating that I would be removed, only not to be removed. Call I received call from was XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Credit card) with Van Ru Credit Corporation (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not owe any credit card with this institution.

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 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows a closed account which is closed and paid in full. There is a comment that says late two or three times. I was never late on this account. The account is XXXX XXXX # XXXX. XXXX has not reported this account late at all which is the way it actually was. You have 30 Days to remove this derogatory statement from my report as per the FCRA.

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 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I applied for a line of credit from XXXX XXXX XXXX XXXX Bank at was declined saying my score was XXXX.But through XXXX XXXX it 's showing over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Account opening, closing, or management

Complaint: I own a XXXX wanted to transfer money from XXXX banks to Huntington so it was more convenient than my small town banks. Was told to give irs ein which is under my ss # she said no problem we can look it up that way. Now today when I go with everything she asked for, and I have a witness, she said no that even since ein # has been ur ss # since 1998 they demand me to change it ... XXXX!! Huntington you can praise your XXXX Indiana branch for losing you thousands of dollars, but I 'm sure that does n't effect your highway robbery business ... ..pissed as XXXX customer

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with CITIBANK, N.A. (SC).
Issue: Late fee

Complaint: There was some fraud that occurred on my Best Buy Credit card. The fraud was reported and the company indicated that I did not owe the charges and they sent me another letter saying that I would not be responsible for the charges and they would correct the errors on my credit report. I 'm again receiving late fees and charges from Best Buy AFTER they said I was n't responsible and they are continuing to bill me " late fees '' and other charges for the account for which they said I previously owed nothing. They had a collector call me and I on recording told the collection agency the letter of what was sent and they removed the bill from their system.

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 02/26/2016 about Debt collection (I do not know) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being harassed by the CCS Companies, the phone number they are using to harass me is XXXX or XXXX of their many affiliates " SPOOF '' numbers. They have been calling me for the last 25 days, they are trying to collect a debt I do not owe. I am not the person they are looking for and I am not the person who owes the debt. 

They call XXXX three times a day including Saturdays at all odd hours. Their actions are those of an omnipotent cartel with a national reach, trying to collect on a bad debts with a management philosophy that is ruthless, relentless and as determined as that XXXX ; with no regards to the innocent lives they destroy. I am tired of their unwarranted harassment and abuse. I am afraid to pick up the phone when they call because they can be very impolite and aggressive. I suspect they are trying to pressure me into paying a debt I do not owe. 

Below I have listed the dates and the number of calls per day from their XXXX number : XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Call XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls The above listed calls from XXXX does not include over XXXX " SPOOF '' numbers I suspect they have used to call me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation