milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Debt collection (Auto debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: I had been harassed by USAA for 8 months. They had been telling me that I was past due of about 83 days. I had been paying the car note on the XXXX XXXX every month from XX/XX/XXXX-XX/XX/XXXX but they kept saying that I owed them more. On XX/XX/XXXX, I paid them {$440.00} for XX/XX/XXXX and XX/XX/XXXX payments. I called them back in XX/XX/XXXX to make a payment of {$220.00} and they told me that my car was up for repossession and that I owed them about {$600.00}. On XX/XX/XXXX, USAA repossessed my XXXX XXXX and then sold it at an auction about a month and a half later. Then, they are still sending me statements in the mail stating that I owe them about {$2600.00}. When I first purchased the vehicle in XX/XX/XXXX, USAA sent me a check for about {$12000.00}. Then I went to a car dealership to purchase the XXXX XXXX and the dealership gave me a bill of sale. Also, I never got any copies of the contracts from USAA when I electronically signed the documents online when they allowed me to borrow the money. My credit score was about XXXX then when they repossessed it, my credit score dropped all the way in the XXXX. I ca n't get any more credit because of them. USAA is not for us Military Veterans. They are a major rip-off. Something needs to be done about this ASAP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Credit card debt) with J.A. Cambece Law Office, P.C. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX from The XXXX XXXX XXXX contacted me via a recorded phone call on XXXX about a debt I uncured with XXXX. The account number was : XXXX. We agreed to settle this account by paying {$350.00} through 3 consecutive automatic withdrawals. Please see the following : XXXX XXXX Withdrawal ACH XXXX XXXX XXXX XXXX TYPE : payment ID : XXXX DATA : XXXX XXXX XXXX/XXXX/XXXX CO : XXXX XXXX XXXX XXXX XXXX. On XXXX, I was contacted by a different collection agent from XXXX who asked me to pay about {$560.00}. I explained to this agent that I had an agreement with a previous agent from XXXX XXXX XXXX and that I thought the 3 payments were already withdrawn. I checked my account and found that only one payment was withdrawn ( See the above ). I checked my credit report and I was shocked to learn that XXXX has reported that a balance of {$580.00} was written off. I wrote a letter XXXX in which I explained that I, with good faith, have agreed to pay and that it was not my wrongdoing if the collection agent from XXXX XXXX XXXX did not do his job and that they should not report this account as a WRITTEN OFF. On XXXX XXXX, XXXX, I was contacted by a Law Firm called J.A.CAMBECE asking me to pay {$460.00}. I sent to this law firm all the information I have and I explained to them that XXXX XXXX XXXX is aware of my payment efforts and that it refuses to share the audio recorded agreement I had with XXXX back in XXXX XXXX. In addition, the numbers do not add up : {$580.00} was written off. I paid {$110.00} as shown above in my checking account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have ocwen.they have been XXXX with me for years.my interest rate is over 10 % .every time I ask to talk to someone I get a person I cant understand.now and and not not for the first time they r saying I did not make payments and I did.i send what they ask and hear nothing till they say I have to do it all over again.they have XXXX up m my credit so I cant get any any one else to take me

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit card or prepaid card (General-purpose prepaid card) with Synovus Bank (IL).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: THE ACCOUNT WAS CLOSED AS OF XXXX 2017 WITH A XXXX BALANCE HOWEVER I RECEIVED A STATEMENT IN XX/XX/XXXX THAT I OWED XXXX. I CALLED THE COMPANY AND THEY TOLD ME THERE WAS SOME KIND OF FEE ADDED BUT THEY DID NOT ELABORATE, THEY TOLD ME TO WRITE A LETTER AND DISPUTE THE CHARGE.AND I HAD TO PAY IT OTHER WISE MY ACCOUNT WOULD HOLD BALANCE. I THEN PAID THE BALANCE OF XXXX UNDER DURESS. HOWEVER THE CREDIT CARD COMPANY KEEPS ADDING ADDITIONAL CHARGES EACH MONTH. I WROTE THE COMPANY 3 X AND MADE SEVERAL PHONE CALLS WITH NO RESPONSE OTHER THAN SEND A DISPUTE LETTER.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We applied for a mortgage with USAA. We are currently going through underwriting to close on a home. We had set a close date of XXXX XXXX XXXX. Two weeks prior to closing on, XXXX XXXX, I received an email from my realtor stating that it looked like my lender was going to require a property survey prior to closing. I immediately called my lender for clarification. And yes they are requiring a property survey prior to closing. I felt that USAA is unfairly requiring this survey late in the closing process. I also feel that the lender should have inquired about the survey through the responsible party, myself, as we would be responsible for requesting the survey, not my realtor. We submitted our purchase agreement to our lender the day it was accepted, agreement was accepted on XXXX XXXX XXXX. On that agreement it clearly states we waived our rights to a property survey. Why is USAA now asking for a survey and potentially delaying closing?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GOLDMAN SACHS BANK USA (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/XXXX, 2017 I received information from XXXX XXXX that i was eligible to receive a loan with low interest rate to better my credit score. I spoke to the bank and the intake person on what i would need to get a loan. Which never did. Now i have a hard credit check on my credit score on for two to seven years. 

Your assistance is needed as to how i can remove this from my credit score. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Medical) with Source Receivables Management LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX whom it may concern, I regularly monitor my credit reports, and believe that my inquiries on TransUnion 's report had been removed. These inquiries soon reappeared. After researching online, I found that a recent TransUnion glitch had affected my report. I was not notified of this glitch or that my inquiries were to be put back. I have called TransUnion but could not reach a resolution. Under the FCRA 611 in part 5 ( B ), previously deleted material can not be reinserted without authorization from the consumer or a written notice within 5 days. Since neither of these occurred, I request that the following inquiries be deleted from my report : 1. XXXX/XXXX/16 - XXXX Card 2. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card XXXX. XXXX/XXXX/16 - XXXX Card

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 08/19/2017 about Student loan (Private student loan) with AES/PHEAA (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I make payments to American Education Services twice monthly. I have numerous loans both Federal and Private that they service. I make the payments in full that are listed on my account on their  website. I continue to get Past Due notices from a collection agency saying I have " {$0.00} '' or a negative balance Past Due. How is a negative or XXXX balance Past Due? I received notice in XXXX 2016 that they misapplied my payments after I did a short term deferment, however, I continue to get Past Due notices for no balances. If I am paying my payments in full every 2 weeks, how can I even have anything past due unless they are continuing to misapply my payments. I have contacted them on numerous occasions getting different answers, saying I need to specify what loans I want to pay with each payment or that they will look into it. I have done all of their suggestions and continue to get these ridiculous past due notices from a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit card () with U.S. BANCORP (WI).
Issue: Other fee

Complaint: I accepted a fixed percentage offer until paid in full for a balance transfer from US Bank ; a few months later I received a communication advising an annual fee ( {$40.00} ) would becharged starting XXXX XXXX, stipulating the option of paying your bill in full. If I had themoney I would n't have accepted their offer in the XXXX place. Upon being charged, I calledsaying I did n't feel I should be charged an annual fee as I did not use their card forpurchases but paying off a balance transfer. I got no satisfaction by phoning the next yearas well. XXXX of last year I wrote the same objection on my payment slip ; I received theresponse that the annual fee was necessary for the cost of maintaining my account. 
This time around I am writing you in the hope of some justice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I went to XXXX and proceeded to retrieve my free annual credit reports from XXXX XXXX, and Experian. I was able to retrieve the first two from XX/XX/XXXXand XXXX, but Experian kept saying " We are unable to give you a credit report '' or words to that effect. 

I tried again, this time selecting only Experian - same result. 

I went to Experian.com and tried from there - same result. 

There is no valid information at Experian 's website, no helpful phone number, no phone number answered by a person. No help what-so-ever. 

So Experian is now in violation of the Fair Credit Reporting Act by refusing to supply me with my free annual credit report. And they arrogantly refuse to help.

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 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Eronneous charges from XXXX XXXX is {$160.00} on collections from XXXX XXXX. The charges are not accurate and is not associated with my service. The collections is posted to my credit by the company noted below : Pinnacle Credit Services LLCXXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX 've tried to contact them numerous times without response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Mortgage (FHA mortgage) with AMERICAN PACIFIC MORTGAGE (WA).
Issue: Application, originator, mortgage broker

Complaint: We feel that due to the lack of integrity of our loan officers and their team we were forced to pay {$1800.00} in extra costs associated with securing our mortgage from Pacific American Mortgage DBA XXXX Home Loans. We were told that they were familiar with HUD FHA XXXX Streamlined Loans. When in fact they were not. They were not honest with us on more than XXXX occasion. Due to this dishonesty our closing was extended twice which forced us to change plans twice, i.e. extend our obligations. Specifically, we were forced to find an alternate location for belongings to include our XXXX XXXX pull trailer and XXXX XXXX XXXX ( rented storage at XXXX ), pay rent for one and a half extra months at XXXX XXXX at XXXX Apartments with all utilities and insurance, also due to being forced to reside in this location personal belongings were vandalized ( XXXX XXXX XXXX, window broken and work tools stolen, actually totaling {$500.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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 tried submitting various complaints to   XXXX  Equifax,  XXXX   XXXX   with no clear results of the dispute stated other than they are right and you are wrong. I submitted  XXXX  dispute to  XXXX  on  XXXX   XXXX ,2017 and on  XXXX   XXXX ,  2017  I was notified the " investigation '' was completed. They are required under FCRA regs to complete a thorough investigation on each account. I do not believe that this has been the case for my accounts. My wife and I are suffering daily because of false reports that damage our score from access credit inquires required to get a reliable vehicle, insurance premiums, and the possibility of buying a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2018 about Credit card or prepaid card (Payroll card) with CITIBANK, N.A. (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I was attempting to use my new Citibank credit card obtained through XXXX. My first purchase was at XXXX in XXXX XXXX to buy a prescription for {$15.00} on X/XX/18. I decided to buy several items at XXXX 3 miles away. Upon using the card for the second time that day the machine misread the credit card chip and my transaction declined. The message was to contact member services. I contacted member services to hear that their fraud department flagged my credit card on only my SECOND transaction only an hour after my first transaction. I spoke with XXXX and her supervisor XXXX who both were incredibly redundant in their message of being unable to help me due to their fraud department being down and going through maintainance. They flagged my account and were unable to remove it. I asked them to provide better customer service other than to say check back in 4-5 hours. I asked them if they could call me when it was resolved. They said they could not. I asked them if they could have fraud department call me back, they said no. I was upset at the lack of helpfulness or initiative to provide BASIC customer service. I am left with no answers, frustration, and a brand new credit card that I can not even use until who knows when.

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 04-02-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Dear CFPB, I have lived in the XXXX XXXX area for the last 30 years and strive to be a good citizen. I vote, pay my taxes, and am an active member in the community. I really enjoy where I live, but am in a situation where I may lose my house to foreclosure. I have been trying to work with my mortgage servicer, Wells Fargo, but they are failing to communicate properly and are not providing me an opportunity to pursue retention options. They have never given me a single point of contact who would return any of my calls, and now I have a foreclosure sale scheduled for XXXX XXXX. 

My discussions with them have stalled and I am hoping you can contact them and open a line of communication that leads to a constructive conversation regarding my mortgage and the pending foreclosure sale. 

I have worked for many years in XXXX. I never had any problems or issues financially until I had a horrific traumatizing experience : my XXXX year old son passed away. This experience was devastating, setting me back emotionally, physically and financially. You know that saying when it rains it pours? My child support ended, my XXXX husband could not endure the crisis and left me and filed for divorce, and then I struggled to find a job while still grieving. As a result, I could not keep up with my mortgage and fell behind on my loan payments. I reached out to Wells Fargo to negotiate a repayment plan or a loan modification, but I could not get anywhere. I was so frustrated!!! I tried to make a partial payment, but they sent the payments back and told me I had to pay all the arrears in full!! I gave up trying to deal with them until I got somewhat established financially. I inquired again in 2014, but was told over the phone the same thing again ( that I had to pay the arrears in full ). I decided to try anyway and applied for a modification and got denied a couple of months ago. However, I was never given any alternative options to save my home or appeal the decision. 

I have to continually try to explain my position to the representatives who answer the phone, but I ca n't seem to get any answers from them. They flat out have been lying to me throughout this process, telling me that they want to help and that falling further behind actually makes a better case for modification, and then denying me any help saying that I 'm too far behind. They have essentially slammed the door on communicating with me. I just need someone at Wells Fargo to speak with me and give me reasonable options to save my home. This is an avoidable foreclosure and I believe I qualify for help if Wells Fargo would come to the table and have a constructive conversation. I would like to see if you could contact them on my behalf and get them to speak to me in an attempt to save my home from foreclosure and give me a proper review for retention options. I would be grateful for your effort

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is my 2nd complaint that I have had to file in the past several weeks about Bank of America, which is a separate issue from my first complaint. For the past few days someone has been accessing my credit card account to update my mailing address and phone number. I live in XXXX, and the individual is updating my address to a XXXX address. I am very concerned about this. I have done everything I can to try to get Bank of America to secure my account. 
I have reset my online profile, had a new card issues, had a security question added to my account. However, for three straight days someone had managed to STILL change my mailing address. The most recent time they requested a new card to be mailed to the address that was unauthorized. I called in early this morning to report it. The individual went right into my account details without asking for the password that I had setup. I brought this to the representatives attention immediately. This is very concerning as it seems that Bank of America is being hacked. I am very concerned that someone has my personal information. I have even setup fraud protection with XXXX, but somehow someone keeps being able to call into Bank of America and change my address for 3 straight days, and then request a new credit card to be mailed to them. Also, my account security does n't seem to be taken serious when representatives continue to release account information without verifying my password when I call in, which I thought this was to protect me. I have been assured by 4-5 different reps that the issue was fixed and this would not happen again. Well, 3 straight days someone has been making changes to my account. I have been a long time customer of Bank of America, but I am scared to continue to do business with them. I do n't mean to keep complaining, but I am fearful that Bank of America has breached my security on more than one occasion now. What is going on with you guys???

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 09-12-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and XX/XX/XXXX and are proceeding to sale set forXX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. This file was service transferred to Fay Servicing onXX/XX/XXXX which we were not made aware of untilXX/XX/XXXX - Fay Servicing has not responded to any requests for information pertaining to this file. To date Fay is stating noting has been received fro authorization to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with TD BANK US HOLDING COMPANY (TX).
Issue: Unsolicited issuance of credit card

Complaint: Numerous credit cards were fraudulently opened in my name due to identity theft. I filed all necessary paperwork / affidavits / police report. Target said they did n't receive my paperwork. I resent and was told they would contact me when they received it. They forgot to contact me. They also forgot to process the paperwork. They have not forgotten to send me fraudulent bills for over {$3000.00}. They will not provide me with information on how to file a complaint.

Company response to consumer: Closed with explanation