milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Mortgage (Conventional home mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Closing on a mortgage

Complaint: I reached out to them in regards to getting a home loan and was told to get an appraisal 2 inspections pay the ernest and dudiligence fee which I did and they day of closing I get told by Also they are stopping the check not and I now have to find a whole new place to live since my current residence lease was up and I was told to turn in my 30 day notice because I was set to close yet the day of closing told me they could n't approve it after I have the documents telling it was approved so I spoke with XXXX she said to submit the receipts and stuff for what I spent so I could get refunded which I did n received no response so I did a BBB complaint a XXXX calls me said he has no record of the loan or anything I was stating I told him all my transactions are with usaa it 's all there he hung up on me and responded to the complaint as completed and satisfied I responded back to the complaint and XXXX reached out XX/XX/XXXX I asked her to call me back in an hour because I was at work I get an email like I stating she tried to reach out to me which was a lie she only called the one time and I answered she said she would call back and did n't so I responded to the email stating no one called me she then called and would n't let me talk kept over talking me telling me she did n't have any record or anything and I needed to send it to her which I said I would and but would want to be compensated for this as she should have it and I should n't have to keep doing the same thing over and over it was a stall tatic and we hung up she sent an email stating if I had any other questions to call her and stated things she never said so I wrote my response she called back and called me all sorts of liars telling me I was n't told what I was because no one there would tell me I would get anything back and that she called the company the errnast the to money was sent to and I needed to get it from them but she ca n't help me and I ca n't speak to anyone else she was reading notes that people left and I asked for the names she said I already had and refused to give it to me and asked to speak with someone else she wouldnt allow me to told em there was no one above here and even if I wrote a letter it was coming to her I got mad because she wouldnt stop over talking me and I said some rude things she hung up I called back she sent me to voicemail I left a message that she was incompetent at her job and I would tell a lawyer because she doesnt run USAA and I researched attorneys and came across you I hope you can help me this has been going on since XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check from a business a XX/XX/2018 and Wells Fargo refuses to release my funds until XX/XX/XXXX despite the fact I also deposited a check from the same company in a different amount a week prior. Those funds were available next day. I requested the deposit be cancelled so I could take it somewhere else and they refused. I have less than 50.00 now to last a week and can even buy groceries for my family. Their fraud department decided it looked like fraud since I deposited from the same business but thats usually how payroll works! Instead of someone picking up. Phone to verify, I have to wait 10 days without my money!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am being harrassed multiple times daily by Navient Corporation looking for someone who has defaulted on student loans. Navient is now also calling my son, my daughter-in-law, my daughter-in-law 's mother and her father. They are also using false phone numbers to make these calls. They have been told to stop but refuse to do so. All of us have told them we do not know the whereabouts of the person they are trying to reach. The most recent calls were today, XXXX XXXX  2017. I can provide phone logs of the hundreds of calls to my cell phone and my home if you should need them. On one call back to Navient requesting that they cease calling me, a representative stated " we will never stop calling until we get our money ''. I desperately request your assistance to make them stop calling me and my family. They begin at XXXX and continue until XXXX every single day. None of us, including myself has EVER done business with Navient, has ever borrowed money from Navient and wants nothing to do with Navient!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Hi, i just never recieved my free credit report in the mail from all XXXX agencies. Its been over a month now. XXXX TransunionXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting twice XXXX XXXX acc. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with EQUIFAX, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: An address appears on my credit report that does not belong to me. I recognize the address to be that of where my ex-husband lived following our divorce. He was not financially responsible and I do not want to be associated with his financial decisions following our divorce, including the potential that he failed to be responsible to a landlord. He intentionally accepted personal property and the debt associated with the property in our divorce settlement and did not follow through with the financial obligations accepted with each debt nor did he refinance the items without my further financial obligation. Therefore, he affected my credit score as well. I had to take legal action to prevent this negligence from continuing and have worked hard to rebuild my credit score. A judge did hold him liable and he took care of the issues after he destroyed my financial reputation along with his own, which was his intent. I do not want any of his financial decisions, home of record included, to follow me any longer. XXXX makes the information easily accessible, which I appreciate because in the years past it was a difficulty feat to just obtain my information. However, it remains difficult to resolve a dispute of inaccuracies on my reports. I 'd like to seee this process simplified as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data.
I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.

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 01-08-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Dear CFPB President, I 'm contacting you guys on behalf of my checking 's account that I had open with you guys when I lived in XXXX XXXX, XXXX I opened the account on the month of XX/XX/XXXX. 
I moved all the way across the state out here to XXXX, XXXX for work. 
So on Friday XX/XX/XXXX I came to the local bank of america branch to cash my {$400.00} check. I cashed my check then deposit {$20.00} and {$140.00} into my account. When I left the bank and came back to work. I tried to check my online banking account. For some odd and apparent reason. When I tried to log in the app. It said Account Locked so I had to contact a XXXX number. 
I contacted them and spoke to a representative, I was put on hold for an hour and a half due to reviewing of my account. I then was told that I was going to get transferred to the fraud department. I spoke with a gentlemen and he said we just had to verify some information. As soon as we verified information and everything seemed to be verified. I asked him. After this call. Am I going to be able to Log into my mobile app? He then replied, " yes ''. So then I told him thank you. And our call ended. 
He later called me back and told me they were going to close my account because I used XXXX XXXX? 
1st. I did n't get to use my XXXX XXXX, all I did was just put my debt card on file with android pay. So I did n't even get the chance to use it. 
His explanation was that because I used android pay they were going to have to close my account. My question is, why? when I did n't even get to use it. He then transferred me to the risk department. And they told me they will have to close my account under the deposit and disclossure agreement on page 2 there 's an agreement that say 's bank of america can close your account without and explanations. 
My whole thing is WHY would you guys close my account for no reason, for something I did n't even use. I 'm trying to get my plane ticket to go back home to XXXX. And now I cant even do that because my money is in the bank with you guys. I would say I only have {$150.00}. 
To be honest, I like bank of america. I even have a credit card with them to build my credit. I just do n't get why I have to go through so much, just to be able to get my money so I can fly back home.

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I HAVE SUBMITTED A REQUEST FOR ALL OF THE CREDIT REPORTING AGENCIES TO UPDATE MY CREDIT REPORT INVOLVING THE LOANS THAT I HAD WITH XXXX AND AN AUTO LOAN THAT I HAD WITH XXXX. ALL OF THESE LOANS WERE CONSOLIDATED AND SHOULD HAVE BEEN CLOSED AND XXXX SHOULD HAVE BEEN CLOSED AS THE CREDITOR CLOSED THE ACCOUNT AND SENT ME THE TITLE. I FILED A COMPLAINT ON XXXX AND WAS ADVISED THAT ALL OF THE CREDIT REPORTING AGENCIES HAD BEEN ADVISED AND REQUESTED TO UPDATE THE INFO AS OF XXXX 2016. I  REVIEWED MY CREDIT REPORT AND AM STILL SHOWING AT LEAST XXXX OF THESE ACCOUNTS STILL REPORTING AND OPEN. THIS IS MY FINAL REQUEST AS ALL OF THE ACCOUNTS WITH XXXX HAVE BEEN CONSOLIDATED THROUGH NAVIENT. THIS IS AFFECTING MY CREDIT SCORE AND I WAS ADVISED WHEN I CALLED THAT THIS HAD BEEN DONE. I AM BEYOND AGITATED WITH TRANSUNION AS WELL AS XXXX. THERE ARE INQUIRIES THAT I HAVE NOT DONE AND THE ONLY THING THAT SHOULD BE ON ALL OF MY CREDIT REPORTS SHOULD BE XXXX AND XXXX CARD INQUIRIES. EVERYTHING THAT SHOULD HAVE BEEN DONE HAS NOT BEEN DONE AND IS STILL NOT DONE. I HAVE FILED A POLICE REPORT AND HAD BEEN A VICTIM OF IDENTITY THEFT. I RECEIVED A REPORT FROM TRANSUNION AND IT IS STILL SHOWING THESE ACCOUNTS OPEN WITH BALANCES. THIS IS AFFECTING ME TREMENDOUSLY AND IS CAUSING ALOT OF ANGUISH IN MY LIFE. ALL OF THESE CREDIT REPORTING AGENCIES SHOULD UPDATE THE INQUIRIES, ACCOUNT INFO, ETC. I HAVE SUBMITTED THESE REQUESTS SEVERAL TIMES AND HAVE EVEN CONTACTED TRANSUNION, ATTEMPTED TO CONTACTED XXXX AND XXXX ( HAD THE ISSUE PARTIALLY RESOLVED )

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 02/24/2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Bank pursued me for a {$140.00} charge that I supposedly had not paid. But I h ad. They recently admitted in writing to me that they had received the payment and had failed to cash it! They had already made a report to the crediting agencies, which resulted in harm by 1 ) reducing my credit limit on other card and more significantly 2 ) interfering with my ability to attain a reasonable rate on a mortgage loan application. 
My last communication with XXXX ( sent via certified mail ) remains unacknowledged and unaddressed. My credit score remains damaged.

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 10-03-2016 about Mortgage (Conventional fixed mortgage) with TOWNE MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: We have a mortgage on our home which has been sold multiple times to different lenders. Because the property in question is a condo, it requires hazard insurance. I provided proof of insurance to the company through the US mail, as well as through their web portal -- I even requested an acknowledgement that it had been received. The company did not acknowledge receipt of proof of insurance. I received a letter today stating they were purchasing insurance for the property, and that I would be responsible to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: TransUnion has not allowed me to freeze my credit report at no cost, is insisting on users buying TrueIdentity plan to freeze credit. TrueIdentity does not freeze credit reports.

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 08-03-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I had a 30 year loan with a 10 year interest only payment. As of   XXXX   of 2016 my payment changed from {$1500.00} to {$2900.00}. This property is now rented, I collect {$1900.00} a month. I have provided all documentation to Ocwen Loan Servicing. My property has n't reached a value to refinance. I asked the servicing company for help in getting a modification, I was declined based on having assets to cover the difference between rent and mortgage payment.
I do n't make enough money to keep paying this loss. The reason for the complaint, the game that 's played is continually asking for the same documents over and over. When it 's in there system already!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data Breach. My data was part of the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Credit card () with Affiliates Management Company (FL).
Issue: Other

Complaint: Approximately XX/XX/2016, I was contacted via my cell phone from a company called TMG Financial to which I had never heard of before. The representatives for this company called my cell phone 3-4 times a day asking me to send money for a credit card to which I had no knowledge of. I further stated to them that I had never made a debt or signed a promise to pay note with this company. I naturally assumed that they were scammers because they asked me to send money and asked me to verify my personal information to which I refused because if they had opened an account with me- they would already have all of my personal information. The reps for the company were very unprofessional and refused to stop calling my cell phone until he paid them. They further stated to me on several occasions that I needed to pay my bills or they would not stop calling my job and cell. Around XX/XX/2016, they began to call my job at the XXXX 5-6 times a day. They even called on the days when I was off duty. My supervisor began to complain about the amount of personal calls I was receiving at the job. I asked them numerous times to stop calling me- they refused. Lastly, they have even began to report late [ payments on my credit report which caused my score to plummet 60 points since that time. I repeatedly told them this account was n't mine and then asked them to provide me a legal debt validation to which they refused to send the contract. However, since that time- they have continuously reported false information to the credit bureaus and harassed me ion my cell and my job. This has caused me a great amount of undue stress because of the uncertainty of losing my job because of the calls and my credit worthiness being diminished. I know that my rights have been violated in accordance with the FCRA. I have kept careful record of the phone calls on phone log and have acquired a statement from my supervisor with the amount of calls to my job- along with monthly credit reports to show the decline in my score. Every time they called, they asked me to verify my personal information with them so that they knew if they had the right person- but they failed to make sure I was the right person when reporting to the credit bureau. I never made an account or signed any contracts to pay TMG financial. I will not hesitate to confer with a consumer attorney if this matter is not addressed expeditiously. Govern yourselves accordingly. The phone number they called from was XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WV).
Issue: Loan modification,collection,foreclosure

Complaint: We are in foreclosure now because our mortgage company did what you dual-tracking. While we were in the process of sending and faxing information to Carrington mortgage company for months. They were already signed over our note.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with The CBE Group, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon checking my Credit Report with XXXX, I discovered that The CBE Group Inc-Former erroneously identified me as owing money to a retailer that I have not used in Texas. I have never lived in Texas or at XXXX XXXX XXXX XXXX, XXXX, TX XXXX (found on my Credit Report) nor have I ever bought anything from the company you indicated, XXXX XXXX XXXX  XXXX. I mailed a letter dated XX/XX/XXXX stating I was responsible fur the debt and for substantiating documentation. CBE Group responded to me by mail dated XX/XX/XXXX and identified the debt in regard to an account established with Spectrum formerly XXXX XXXX XXXX  by enclosing account statements dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as substantiating evidence of my responsibility for the debt.

I do not have any responsibility for the debt CBE Group is trying to collect. I have never lived in Texas, had a phone number or any services provided by XXXX XXXX XXXX as shown on the statements provided .

These documents that make you believe that I am the individual owing this debt, in fact only show that my very common name is the same and nothing more that links me to this debt.
Information shown on credit report:
 (XXXX) XXXX Placed for Collection: XX/XX/XXXX Responsibility: 
Individual Account
Account Type: Open Account Loan Type: COLLECTION AGENCY/ATTORNEY 
Balance: $XXXX Date Updated: XX/XX/XXXX Original Amount: $XXXX 
Original Creditor: XXXX XXXX XXXX XXXX (Retail) Past Due: >$XXXX<
Pay Status: >In Collection<
Remarks: >PLACED FOR COLLECTION< Estimated month and year that this item will be removed: XX/XX/XXXX

Company response to consumer: Closed with explanation