milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: A collection/debt appeared on my Experian Credit report,   XXXX   XXXX   ** XXXX ** it was removed for reasons of No Contract, Not verified The first investigation proved the account was inaccurate/incorrect and was removed from my Experian Credit Report. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed after the investigation and re added, damaging my credit reputation and causing me to be denied for credit. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

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 08/23/2015 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CA).
Issue: Application, originator, mortgage broker

Complaint: It 's the worse experience I 've ever had with a lender. I 've done at least XXXX real estate transactions and have never been treated so shabbily. They took forever to assign my loan, would not answer emails after I submitted the application and they took my {$500.00} to do an appraisal. When I tried to lodge a complaint with a manager " XXXX '' would n't give his last name and basically told me to suck it up. I completed my paperwork within XXXX days because I wanted the process to happen on time and by their deadline. It did n't matter. I guess I should 've paid more attention when my loan processor kept saying even if it does n't close on time you wo n't be liable for fees. I believe they knew they were overwhelmed with business but were deceptive in failing to inform me that the process would take longer than the XXXX days stipulated in the loan. I would never choose this company again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Application, originator, mortgage broker

Complaint: My wife and I have top tier credit and applied for a loan, we were pre approved and the barrage of sending information began, they wanted everything imaginable, all the way up to the point of asking for a letter from my wives employer that her tips would not change? Thats after sending a form for them to fill out and be reviewed by a supposed independent company. Everything was fine supposedly according to XXXX XXXX.processor Usaa. Well the closing date came and went XXXX XXXX, they said we need a new closing date the XXXX, that came and went, then I called and spoke to another processor that said the date had been moved to the XXXX. Well friday afternoon XXXX XXXX I receive a call from XXXX XXXX that my loan was declined because of debt equity. This is based on the tax returns I originally sent, it took till 4 days after the closing to tell me that. Since the inception of our loan process we sold our current home and will have XXXX available to put down, So I told them well the house is XXXX we have XXXX to put down, house appraised for XXXX. So can we get that amount approved? This is after no longer dealing with XXXX XXXX but working with manager XXXX, XXXX and Director XXXX XXXX. Today is XXXX XXXX I am still not approved and my seller no longer wants to wait for my approval. So I wish I could sue for damages somehow, I am out thousands of dollars and sold my current home and now have to look for another house. Shame on USAA mortgage for doing this to us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Delinquent account

Complaint: Had a credit card with Citibank XX/XX/2013. Citibank sent my account to collections agency and while still allowing me to make payments on the card. Never sent updated payment information over to the collections and reported I owed late fees and high interest rates. I obtained bank statements provided by Citibank to the collections agency that do not my payments and never received refund of my payments. Contacted Citibank and a representative was unable to assist. Citibank bank unnecessarily closed my accounts, failed to report my payments, and reported unnecessary fees.

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 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The company said they would remove my the account off my credit report and they have not even tho I paid the settlement for a delete

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receiving multiple repetitious collection calls from collection agency on my sons account that is in collections with XXXX XXXX XXXX XXXX. Called me XXXX/XXXX/16 at 4 separate times from XXXX different numbers XXXX and XXXX between XXXX and XXXX. On all 4 calls received during that 8 minute period, no messages were left requesting a call back. 4 calls from a collection agency in 8 minutes is collection harassment. Especially since no messages were left. In addition, this collection account is actually in my sons name, but he did approve for me to speak the them on his behalf. I spoke with them 2 days in a row in attempt to resolve the collection account balance, but there is no need to continuously make harassing repetitious phone calls.

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 04/24/2017 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: XXXX   submitted a dispute to Transunion for various accounts.
  XXXX  r eceived response from Transunion.  XXXX  of the accounts I disputed for inaccurate reporting was     XXXX   XXXX     acct #    XXXX    in the amount of {$600.00}. please see exhibit   XXXX    where I challenged the reporting. This is the only   XXXX   XXXX    account on my report ( see exhibit  XXXX , transunion report dated   XXXX   ). Transunion responded that this account was deleted ( see exhibit   XXXX   ) however it still shows on the    XXXX    report ( see exhibt    XXXX    ).    XXXX    called Transunion and spoke to   XXXX   about this.   XXXX   gave me various reasons why it still showed.   XXXX   ) creditor did n't respond in time ( FCRA violation 611.a.1.a and 5.a.i )   XXXX   ) Another account with same name and account number were deleted ( FCRA violation 623.a.1.a ) and creditor added back on after deletion ( FCRA violation 611.5.b.iii ) I asked   XXXX   from Transunion to delete since there was a FCRA violation for each of his responses but he said all he could do was dispute it again. Since Transunion had the required time to dispute what I asked them to dispute they should not have another   XXXX   days. They did work on the account in question as they removed the reporting boxes that for the payments I questions for  XXXX ,   XXXX   ,   XXXX  , XXXX   Transunion has willfully not complied with my request and has violated federal law on this dispute.

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 12/21/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Other

Complaint: The Fair Credit Reporting Act ( FCRA ) allows the consumer to get a free credit report if an application is denied. However, the consumer can only get a free report from the credit reporting company that provided the report used by by th lender to make its decision. We were denied credit when American Express cancelled our account. Under law, American Express should have properly provided instructions for us as to how to request our report from XXXX or from XXXX or more of the other national credit reporting companies upon which American Express relied in its decision to not reinstate our account, which is legally of the same significance as an application for credit being denied and is therefore subject to this legal requirement. American Express has not done this. Furthermore, our account was cancelled in retaliation for us exercising our legal rights through FCPB. Our account was never charged interest, and all late charges were reversed. This shows we were never late, and the truth is we had a valid dispute that was never properly investigated. All we ever asked for was a line by line reconciliation of a total that was greater than actual charges that we made. We said over and over again that if American Express could show us what we owed and where the charges were, we would gladly pay them for these charges. We did dispute as well an unauthorized charge, which American Express paid, refusing to honor our wishes. We also believe American Express closed this account wrongfully so it did not have to pay out on our rewards points, and but for the crediting of the account of the late charge days before their closing of the account ( an admission we had a valid legal dispute ) we would not have made certain substantial charges on the account, and would have used cash instead. Also, it seems the complaint I made about this same thing on XXXX/XXXX/2015 has disappeared from this complaint process, and it was not a double complaint -- it was a first on the above subject.. So what happened to my complaint of XXXX/XXXX/2015? And XXXX more thing, the only way I ever get a response from American Express is through their response to this complaint process, and as you can see they state my letters will only be filed and not responded to by American Express -- proof again that American Express has refused to give us any answers about the fraud in this account from which they have benefited directly through collection thereon.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Mortgage (Conventional home mortgage) with Fidelity National Financial, Inc (OR).
Issue: Closing on a mortgage

Complaint: I have been approved for a mortgage, through underwriting and everything else, with two separate lenders. Both lenders indicated a willingness to close two weeks prior to the scheduled closing date. I am now 72 hours from the original closing date, and still have not received disclosures from either lender. The title company has expressed grief at having to perform the calculations twice. They already pressured me to choose a mortgage before I even know the price. Good grief! 

Quick question : at what point should a consumer have the right to know the closing costs and monthly payment? How can a consumer comparison shop if disclosures are unavailable prior to closing? 

Another question : why are deadlines based on the closing date? It would better for consumers if deadlines were based on application dates. A consumer should know approved or disapproved status within 45 days of submitting an application. A mortgage should never ever be considered APPROVED until the consumer APPROVES it. A consumer would obviously need to know the price prior to approval. 

I ca n't believe 10 years later, and lenders still do n't have to disclose costs prior to closing. This process is ripe for misleading consumers, trapping them at the last minute. I guess some dirty tricks are just too profitable to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Initially when this account was past due, I attempted to make payment arrangements that I was able to afford since I was not working. Capital One refused to accept any payments unless they were the full amount that they were requesting. This caused the account to go into collections. Fast forward to now, Capital One has sold my account to a collection agency who is still not accepting what I am able to afford. This account is ruining my credit and I have had no issues paying all my other debts. This one is completely keeping me from having financial freedom and I have attempted on many occasions to resolve this debt but they will not accept my payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AL).
Issue: Problems when you are unable to pay

Complaint: i opened a loan on a truck around XXXX 2007 it was a Colorado, XXXX truck i paid over 4 years around XXXX dollars a month i got sick and ask to refinance at this point they put it back at 6 years for XXXX dollars monthly i paid on it a year and half and i lost my father which in turn effected me greatly i started having alot of problems with the truck and it had around XXXX miles i called the credit company and told them i would turn it in and they said i had paid quite a bit of money and they understood.three months went by and some lady called and said she was investigating a stolen truck and she was with the police dept. when i told her where the truck was she hung up and i called back it was a cell.they evidently picked up the truck and auctioned it off for around XXXX dollars now all of a sudden i have this on my credit report with what i paid and auction its nearing XXXX dollars for a XXXX dollar truck please i am trying to rebuild my credit i am on XXXX please help me i did not XXXX them they made there money plus 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 05/31/2015 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (OH).
Issue: Problems when you are unable to pay

Complaint: Collector refused to acknowledge my request not to call on Sundays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2015 about Consumer Loan (Installment loan) with Green Trust Cash, LLC (NJ).
Issue: Managing the loan or lease

Complaint: I believe the shared processing network and database that XXXX XXXX companies use has been hacked or threatened with a Bot and thousands of customers may be affected. 

I applied for a XXXX XXXX XXXX about 3-5 years ago. 

Two weeks ago, I received an email telling me " my '' application had been received from and I need to click a link to verify it. I figured it was a scam, so I ignored it. A few days later, I received a followup email telling me the application has been processed. I called the company and explained that I had not applied for a loan. They asked me to verify my info and I discovered the application contained my name, previous address, drivers license #, DOB, and SSN. I submitted a report to FTC and added a fraud alert to my credit report. I also submitted a police report. I called the cash advance company back to ask for the banking info associated with the applicaton in hopes of getting a name of the thief from the bank, but they would not release it. 

This morning, I received another email from a different cash advance company - same thing, asking me to click the link to verify the info. I hoped the webpage would show banking info. I clicked the link and it did include banking info - my old banking routing number and account number!!! 

This leads me to believe that there is n't a single person submitting an application under my name, but it 's possible that the shared application processing network these companies use may have been hacked with malware or a Bot and the Bot is processing XXXX applications for XXXX customers in their database using the stored info the customers initially submitted years ago when a legitimate application was filed. 

The name of the first XXXX XXXX company was Green Trust Cash. 

The email I received today was from XXXX XXXX Now. The number is XXXX. They closed the application and put a fraud alert on it. 

However, I think there should be some type of public announcement to previous customers because inquiries are being made on our credit reports. 

Please contact me with a resolution. 

*In the next section, I provided my old address, which is the address on the cash advance applications. 

**I could only submit XXXX company name in the next section, but there are XXXX. See above for the XXXX company name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2016, I decided to take advantage of A {$200.00} Huntington Bank promotion for opening up a checking account and depositing {$1000.00} within 60 days. After I successfully competed the application process, part of which was verifying my identity using my Drivers license ID number. The Huntington website then took me through an additional identification process by asking me questions regarding my past. I answered all 4 questions successfully. However, this still did not satisfy the process and I was asked to go into a Huntington Branch with my ID. 
On XXXX XXXX I walked into the Huntington Branch at XXXX Mi. XXXX. The teller completed my identification request and updated my application. It was approved and my account opened at which time i immediately deposited {$1000.00}. 
As of XXXX XXXX, 2016 I have not received my {$200.00}. I have contacted Huntington numerous times and they refuse to honor the promotion. They imply that when the teller updated my information it altered the original application to an on sight application. The promotion only honors " online '' applications. That is not my fault and is then a Huntington error. My original application was online. Huntington Bank directed me to go to a branch to complete without any indication doing so would alter the original application. 
For Huntington to refuse to honor the promotion is insane As for my family military status : there is no code displayed that correctly identifies my Brother : XXXX XXXX, he was special forces and all other information about him is classified.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PENTAGON FEDERAL CREDIT UNION (NC).
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: XX/XX/XXXX at XXXX ; XXXX XXXX called Pentagon Federal Credit Union to pay off an outstanding charge off that continue to report 90 days late monthly to XXXX, XXXX, and XXXX. I was notified by the representative that this account can not be paid to PenFed because they no longer own the account. I asked when was the account sold and was told back in XX/XX/XXXX. My next question was should this account then be reporting a XXXX balance per FCRA 623 ( a ) 2 which requires prompt update of any reported information that is necessary to reflect its current accuracy. Therefore, PenFed is under obligation under section 623 ( a ) ( 2 ) to promptly update the current balance which will be XXXX. I was then transferred to a supervisor by the name of XXXX who confirmed that this account was sold to XXXX XXXX in XX/XX/XXXX after it was charged off. After concluding the called XXXX and spoke to XXXX to initiate a dispute regarding this PenFed account. I stated that PenFed should be reporting a XXXX balance since this account was sold to XXXX XXXX. Next, I initiated a dispute with XXXX by speaking with XXXX at XXXX XXXX. Lastly, I initiated a dispute with XXXX at XXXX XXXX with a representative name XXXX. XX/XX/XXXX, I received a credit alert from XXXX that the Pentagon Federal Bankcard was update from having a past due balance of XXXX to XXXX. The account was not updated to reflect a XXXX balance and sold or transferred to another lender it was. At XXXX XXXX I contacted Pentagon Federal Credit Union again. I chatted with XXXX and tried to pay off this delinquent debt again. I was placed on a brief hold and XXXX explained to me that PenFed can not accept payment because they no longer own the debt and this account was sold to a collection agency named XXXX. The evidence shows that PenFederal Credit Union provided an inaccurate verification of the debt to the three major credit reporting agencies.

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 08-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I 've been a victim of Transunion 's inquiry issue and they refuse to remove the inquiries after calling their customer service representative. Their customer service would not help and take care of the negative inquiries reporting to my credit report.

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