milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AR).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, USAA Federal Savings Bank notified us of suspicious login activity on one of our accounts. Someone had changed my password and PIN. As a result, they froze our accounts and denied us access to even see our balances. They said it would be two business days before the issue was resolved. After two days, they let us in to see our accounts, and we saw that someone had transferred money from savings to checking, and had committed XXXX unauthorized withdrawals. When we notified USAA, they told us they were going to keep our accounts frozen for another week while they investigated. Since then, we have had no access to either of our checking accounts or to our savings account, and every time we talk to USAA we get told they need " two more business days '' to investigate. We have been living off our credit cards for 14 days now as a result, and no one from USAA will call us back. 
In addition to the $ XXXX+ stolen by the criminals, we are now having multiple payments declined because of our frozen accounts, and are beginning to rack up penalties from creditors. We received a shut-off notice from our electric company yesterday afternoon. USAA 's inaction and refusal to communicate is beginning to cause damage to us financially.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX of Quicken Loans. Every time I come close to closing the mortgage loan.. He would come up with an document that he could have asked me for several weeks ago. I have a high credit score and he has asked me for a document on four separate closing occasions. Today close to closing he stated that 60 days of account activity were missing on my bank statements that I 've faxed to him two weeks ago. The bank teller printed out those statements and signed those pages. I have been going through this with him for almost three months. I have searched the internet for complaints. I found XXXX people who had the same problem with XXXX XXXX of Quicken Loans. There are many who had the same complaints about Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (PA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: RMS wont stop contacting me and even through the mail! I do not owe waste management nothing!

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 01-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX, I requested a modification because my debt load was too high and I knew I would be unable to make my payment shortly ; especially with it being a 2 year ARM with the XXXX year ending. My lender told me to allow a car to be repossessed and they could possibly assist with lowering the payment $ XXXXmonth. But when the decision was final, they declined to do anything to assist. Months later, I was laid off. They approved a 4 month forbearance and stated that I would still be due for the XXXX payments once the forbearance ended on XXXX/XXXX/XXXX. In XXXX XXXX, I received a call from SECU confirming that I would be making XX/XX/XXXX in XXXX. I told the rep XXXX XXXX that I would, even if I had to borrow the 3 months. However, on XXXX/XXXX/XXXX, I received a letter which said that in addition to the 3 months, I also need to come up with the 4 months they agreed to forbear immediately.

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 08/15/2015 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (AR).
Issue: Taking out the loan or lease

Complaint: I have a vehicle loan through BBVA Compass Bank. We sold that vehicle to a private party XXXX XXXX, 2015. The purchaser obtained their Loan through XXXX XXXX out of XXXX, Mo. XXXX XXXX sent a cashiers check ( XXXX/XXXX/15 ) overnight for the remainder of my loan to pay off this vehicle. Compass Bank received the check XXXX/XXXX/2015 at XXXX per the tracking number obtained by XXXX XXXX. Compass Bank is unable to locate the check, thus my loan account has not been closed and is accruing interest and coming due for another payment, although I have not had the vehicle in over one month. 
I have contacted Compass Bank XXXX times regarding this missing payment. I continue to have no answers. I have contacted XXXX XXXX XXXX times, who have no concern about the loan payoff, nor the loan they opened for the purchaser. One person for XXXX XXXX informed me XX/XX/XXXX that the cashiers check had not cleared. XXXX XXXX is now refusing to inform me over the phone if the check has cleared or not. Compass Bank is requesting that XXXX XXXX either provide them with proof that the check cleared or place a stop on the check ( which XXXX XXXX stated will require XXXX days ) and reissue the check again. XXXX XXXX has not been in contact with Compass and has not returned my recent calls. I have spent hours on the phone to these companies to no avail. I am stuck and unable to get either party to look into their loans. I continue to be put off by compass with them closing requests to look into it and the research team not doing so. My concern is that my account will continue to gain interest and will require that I make a payment on the account when I have not had possession of the vehicle in over XXXX days, thus affecting my credit. I have a bill of sale and copy of the original misplaced cashiers check. The purchaser is paying on a loan that had not been cleared, and is unable to Register her vehicle as they do not have the title. At this point, I am unable to assist any further in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen continues to deny our application for modification due to " Investor and Loan owner do not authorize modifications ''. No further detail as to why the investor and loan owner will not allow modifications.

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. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the Equifax data hack of XX/XX/XXXX. I first became aware of the problem in early XX/XX/XXXX via news reports. Equifax never bothered to contact me directly. I have placed a freeze on my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please see the attached detailed narrative in RESPA complaint filed with the mortgage servicer

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 06/28/2017 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: Code of Federal Regulation, Title 34 Education ( 34CFR628.405 ) Part ( 3 ) ( ii ) The prior holder of the loan must, within 30 days of receiving the notification from the guaranty agency request that any consumer reporting agency to which the default claim payment or other equivalent record was reported remove such record from the borrower 's credit history.There have been several disputes put into effect sinceXX/XX/XXXXXX/XX/XXXX. Acct number XXXX Company named XXXX is reporting paid account open on XXXX and XXXX report. The account was paid XX/XX/XXXX but on all 3 credit reporting agencies dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have disputed this account be removed twice to all 3 agencies. They state XXXX was the original creditor I never received student loan through XXXX my student loans were Federal loans opened in XX/XX/XXXX and XX/XX/XXXX, which was sold to other collection agencies throughout the years that cited lack of privity. The last date of delinquency was in XX/XX/XXXX as reporting on XXXX and XXXX. They violated FDCPAA by changing the DOFFD and DOFLA. Statue of limitations per FDCPA is 6 years in Tennessee these laws are being violated by XXXX XXXX ( acct XXXX ) opened XX/XX/XXXX, XXXX Solutions ( acct XXXX ) opened XX/XX/XXXX and XXXX orig delinquency date should be XX/XX/XXXX. I respectfully ask you to investigate my claim and expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the my address. Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. Documentation of late payments and signed documentation of signed contracts and consents In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.

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 02-10-2018 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX Cavalry Portfolio Services was contacted via mail by me because they sent a letter claiming that I owed an amount of debt. I sent them a validation letter to prove this amount because I do not owe this debt. The information was removed off all 3 of my credit reports. Now I received a letter on XX/XX/XXXX about this same unvalidated debt and according to the date of XX/XX/XXXX as the open date listed on the letter, this debt has reached its statute of limitations. This debt remains unvalidated and it has expired but this company keeps contacting me regarding this debt saying it will resume collection efforts. But at the bottom of the letter, it states that due to the statue of limitations they can't sue me for the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I contacted Ocwen Loan Servicing LLC XXXX XXXX regarding the need for a payment program due to just graduating and seeking gainful employment. As a result, I was provided with a program and was advised by the specialist that as long as I paid the payment amount by the XXXX of every month I would not be considered late. Furthermore, my payment would reflect as current on my credit report with all three credit reporting agencies. I began making payments ranging from the XXXX to the XXXX of each month. Unfortunately, I did not discover until several months later that my payments for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX were reported as late on my credit report. I called and spoke to several specialists starting in XXXX XXXX and was continuously assured that as long as I made a payment by the XXXX I would not be considered late and it would not negatively report on my credit report. Furthermore, I was advised that the aforementioned reported late payments would be corrected to reflect that I paid on time. I completed the payment program in XXXX of XXXX and my mortgage account has been up-to-date ever since. Unfortunately, to no avail has my credit report from XXXX, XXXX or XXXX been corrected by Ocwen Loan Servicing LLC to reflect XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX as being paid on time. I would greatly appreciate assistance with having this issue corrected. I have the names of the specialists I spoke to and the dates that are available upon request.

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 03/26/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Problems when you are unable to pay

Complaint: A vehicle that I co-sgined for was repossed around XX/XX/XXXX, and when I found out I contacted Capital One Auto to find out what I needed to do regarding the matter. I was contacted once by Captial One in XX/XX/XXXX to tell me that they were making arrangements to obtain the vehicle and that I would be able to receive additional information once they obtained possession of the vehicle. I never received any more information regarding this matter until I received a letter from a XXXX collections Agency in XX/XX/XXXX stating that I owed them {$8000.00}. I immediately contacted them because I was not even aware that the vehicle was sold, so I sent them a letter asking for an explanation of how they came up with this amount because I was not informed that the vehicle was sold, how much it was sold for or the date and time of when it was sold. I have not heard from XXXX since that time. I filed a complaint through XXXX XXXX XX/XX/XXXX because of the negative inquiry on my Equifax report and was told that Equifax and Capital One Auto would contact me to do a conference call. On XX/XX/XXXX I received a call from XXXX of XXXX and XXXX XXXX of Capital One Auto. XXXX XXXX told me that Capital One did not have to notify me of a private sale of the vehicle. I asked about the law that states that a consumer is to be notified in writing about the date, time and location of a sale to afford the consumer to either buy back the vehicle or in my case, have someone else purchase the vehilce. She again stated that for private sales, this is not the case and that there is nothing that I can so. XXXX of XXXX, did not ask any questions so I was confused why we had a conference call set-up. I again asked so the laws regarding this does not pertain to Capital One and she said that is correct. I am reaching out to see if there is any other avenues that I can pursue because I thought state and federal laws were binding but and being told that they are not. 

Thank you kindly for any advice that you may be able to provide me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: You have not responded to my requests in the 30 day period which is a clear violation of the FCRA delete the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX of this year, Seterus XXXX opted me into a coupon program and stopped providing me with online statements. I had been paying on their website at the time and was retrieving my statements online. I did not ask to be opted into the " coupon '' program. I called in XXXX to have this resolved and was told that they were sorry. Then they opted me out of the coupon program and said I should be able to view my statements online. Subsequently I stopped receiving statements of any kind. I no longer received the paper statements by mail and was still unable to view statements online. On XXXX XXXX I called again and was told they found the problem and my XXXX statement would be available. I called on XXXX XXXX and was told that the statement had n't been issued yet and to call back in a few days. I called on XXXX XXXX and was promised a call back. I never received a call back. I called in again on XXXX XXXX and was told they had reached out and to check back in XXXX. I have asked to speak with a manager on multiple occasions and they have refused. To make a long story short, I 'm extremely frustrated. Calls to Seterus are getting me nowhere. I have spoken with XXXX at ext. XXXX and XXXX at ext. XXXX among others. I believe if I 'm paying them they have to provide me with a statement but they are unable or unwilling to provide this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I received an offer to apply for a Citibank Citigold Checking Accounting, with a sign-up bonus offer of XXXX XXXX XXXX miles after completing the terms ( a direct deposit, XXXX monthly bill payments, etc ). I completed the terms of the offer and expected XXXX points to post within 60 days. When this did not occur I contacted XXXX and chatted with a representative who assured me I had met the terms and should expect to see points. I then received an emails saying was I not eligible for the offer and therefore would not receive the bonus points. I am not satisfied with this. I have evidence of the terms of the offer I signed up for, a chat conversation with Citi acknowledging that i was 1 ) eligible 2 ) have completed the terms and 3 ) should expect to receive the bonus. I would appreciate your assistance with this matter!

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This should go to a Supervisor, not just customer service, tey don't careand wont do anything. 
XXXX  reported derogotory information on my credit file. They charged it off. {$2500.00}, who would order this cheap stuff from XXXX XXXX 
I told them, tie aftertime, I didnt order. They said they have a tracking report. I've asked for two years for copy of the tracking report with my singature. They have not sent " tracking report '' to me but keep insisting that I ordered items # 1.They say items were sent to XXXX XXXX XXXX. XXXX NJ. 
XXXX XXXX XXXX is a auto business. I did not receive or sign for toys. Iasked for tracking of all items ordered and even the ones not paid for. I asked for delivery addresses, all of them. Never received information. I'm XXXX XXXX XXXX. I do not order toys, women clothes, etc. 
# 2. This account was opened from XXXX and they still updating my credit file as of XXXX. 13 years later. Mine or not, it should be off. Deleted! 
# 3. They said account was purchased from another lender. This lender instructed the three major reporting agencies to delete the above reference but someone at XXXX continue to report. They noted that they have no further obligation regarding this acount. I told them to investigate and they deleted the collection. 
( I will mail you the copy of letter ) XXXX will not send tracking, dates of items received or MY signature that I signed for items, as I have requested. 
I have contacted Experian, they stated information accurate, however information unrelated to your dispute has been updated. 
# 4. How can it be accurate, if it is not my account. They say I owed {$1200.00} but now I owe {$2500.00} which was written off. As of XX/XX/XXXX, they noted my credit file again as a collection. This acount is closed, not in collection, ( have copy ) and should have been deleted long ago, But they continue to report. I have wrote letter after letter with no help. Its show recent balance 0, but noted as Collection account which has dropped my credit score by atleast 30 points again this XXXX when they added collection back to my account. 
# 5.XXXX are trying to force me to pay for something I did NOT order! 
If they allowed a cousin, family member, XXXX, wife, son, daughter, X-wife, X- girlfriend, just someone/anyone to accept items in my name, I am not responsible. Iam not a XXXX buyer.I want this removed immediately, I've been trying for years already, so I decided to come to you for help. I talked to an officer, can not get a report from 13 years ago when account was opened. Please delete!

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 Mortgage (Conventional home mortgage) with KEYCORP (NY).
Issue: Trouble during payment process

Complaint: XXXX XXXX  is not applying payments received to the mortgage account. In total, the bank has not properly applied {$5600.00} received by the bank since XX/XX/2018 to the mortgage. 

A cash payment of {$650.00}, made to a Key Bank branch, is unaccounted for. This is despite having provided them with proof of the payment in the form of a tellers receipt that includes the dollar amount and the account number. This payment was made 4 weeks ago and they still have not provided any information on the whereabouts of these funds. 

In addition, the bank has either held or returned payments of {$1000.00} and {$500.00}. 

The bank does not adhere to or apply the policy stated on their mortgage statement documents regarding partial payments. 

Customer service is is unaware of their policies and can not provide details on policies or the status of payments. 

The bank has failed to provide the terms and conditions that apply to the loan in over three weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I asked the credit agency to dispute the information that is on my account because it is inaccurate. They did what they call an investigation and said the information was to remain on my credit report. I do n't believe a investigation was done and I sent this information certified mail which got me to get no result. I have looked over the information from the credit agency and it is wrong on many levels which I have highlighted in my documents.

Company response to consumer: Closed with explanation