milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Account opening, closing, or management

Complaint: USAA bank have denied and have suspended our online banking access due to a prior debt that went to collection. This is sort of the same thing that XXXX XXXX XXXX XXXX is being sued for. It is unfair. We still have our money in that bank and we are unable to access our accounts online. We only have the mobile app. That said, it seems though we are being retaliated against. The bank is where people deposit their monies. It 's unfair to deny me online access to my account because I have a delinquent debt. The bank have a protocol to go through to collect debts. They were aware of that when they founded the bank and had their ribbon cutting ceremony that there would be losses. That people will fall short as we have. This account is over 15years old and still we have no access. Collections no longer report this debt, also the bank has wrote if off. Still, we are being penalized. Please help us. We are a military family and do n't have access to a local bank USAA in our area.. However, they are penalizing us by not allowing us access to online banking it is still under suspension. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: On or about XXXX 2013 I applied for a loan modification through XXXX for Wells Fargo Bank. At the beginning of XXXX 2013 I received a call from Wells Fargo from their representative XXXX XXXX Home Preservation Specialist. Ten minutes later I received a call from XXXX XXXX of WFB stating she had not read the approval entirely, and all ( XXXX ) XXXX panelist did not sign off on the approval, therefore, I am denied. I took the denial and the NPV to XXXX XXXX who reviewed it and found numerous errors, beginning with my loan having deferred interest almost 100 %. Additionally they took issue with the denial Wells Fargo issued on XXXX XXXX, 2013, Wells Fargo stated that the proposed modified monthly would be more than 42 % of my monthly gross income. Listed on the NPV my income was listed at {$2700.00} a month, 31 % of the income is {$850.00}. Using my unpaid principal balance of {$250000.00} my HAMP payment would be {$810.00}. 
I believe because I was ignorant of Wells Fargo numerous and different ways they chooseto review borrowers for HAMP, I got railroaded. Wells Fargo offered me to pay my past due in 6 months, it was only XXXX payments past due.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an inaccurate late payment on my credit report as a result of fraud charges on my credit card, I have never been late on payments however it is reporting on the credit report. I contacted XXXX fraud dept and they said they are not reporting the late payments and to dispute it with the credit bureaus, I have done that for the past year and nothing has changed. 


XXXX XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX Address identification number XXXX Type Credit Card Terms NA Credit limit or original amount {$500.00} High balance {$6100.00} Monthly payment {$0.00} Recent payment amount Not reported Date of status XX/XX/XXXX First reported XX/XX/XXXX Responsibility Individual Comment Completed investigation of FCRA dispute - consumer disagrees.

Comment Account closed at credit grantor 's request.

Reinvestigation information This item was updated from our processing of your dispute in XX/XX/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 09/26/2015 about Credit card () with DISCOVER BANK (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was married in XXXX and became a auth user on my mother inlaws discover card. she passed away in XXXX XXXX I called discover and told them what had happened and they told me that I would have to pay any balance that I had after her PASSING and that I was not responsible for any thing before that time because I was just and auth user, so I paid what I had to and contacted them to let them know that my part was paid. they started sending me statements and said that I had agreed to take the acct over and I told them NO I did not. So they were sending me treating notices so I took it to my lawyer and he contacted them anf told them to send him info were I signed to agree to take over the acct. They were unable to do that and he told them that the acct was not mine and to remove it from my credit report they did not. they said they sent all info to there lawyer and that the investigation was complete and that I owed it but they never sent me nor my lawyer anything.. The card was opened in XXXX and I was not living at this address nor was I married to my mother inlaws son nor even knew him. recently I got my XXXX credit report and it shows that I used the card in XXXX, XXXX, and I did n't even know my previous husband at the time. to me this is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I opened a loan with cnacXXXX on XX/XX/XXXX and I have recent inquiries only credit dated XX/XX/XXXX and XX/XX/XXXX I need those removed off my credit report being that I did not authorize this company to pull my credit report after 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 03/31/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I disputed an inaccuracy in the reporting from a Bank of America home equity loan. The loan and balance were transferred to another company in 2013. After I disputed an inaccuracy, Bank of America is now reporting my loan as being currently delinquent with a 30 day late status, even though the balance is showing {$0.00} and it was transferred. I was denied a loan because of this and I am very upset.

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 12-05-2017 about Debt collection (Other debt) with I.C. System, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX received a final payment from me after cancelling service. This is reflected in received statement. XXXX claimed they returned payment to issue new final balance. I never received alleged return payment and called to resolve. A man name XXXX allegedly resolved issue and emailed me stating such. This resolve did not include return of over payment. I received another request for payment and called to resolve. Now XXXX claims they never received payment and told me to resolve with bank. I told them I payed and had proof. They wanted me speak to a different rep but they would n't make an appointment. This is now the 7th collection agency.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Public records should be deleted as of  XXXX / XXXX /17 from all credit bureaus,  XXXX , equifax,   XXXX   XXXX  . It is making it difficult to obtain credit. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Medical debt) with Professional Recovery Management (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: FOX COLLECTION CENTER IS A COMPANY THAT I HAVE NEVER CONDUCTED BUSINESS WITH. THEY ARE REPORTING THAT I OWE MEDICAL BILLS TO THEM. MY MEDICAL BILLS HAVE BEEN PAID BY THE UNITED STATES GOVERNMENT FOR MY MILITARY SERVICE SINCE XXXX 1975. THE ORIGINAL CREDITOR SHOULD BE IDENTIFIED AND THE DATE OF SERVICE SHOULD BE CHECKED AND VERIFIED AND SENT TO MEDICARE, DEPARTMENT OF VETERAN AFFAIRS AND OR DIRECT BILL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (I do not know) with Credit Protection Association, L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AN ACCOUNT UKNOWN HAS BEEN POSTED TO MY ACCOUNT ORIGINATING FROM XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FROM CREDIT PROTECTION.

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 12/21/2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NY).
Issue: Loan servicing, payments, escrow account

Complaint: td bank is reporting my mortgage late 2 times on my XXXX credit reporting agency to wit XXXX XXXX and XXXX I sent in all proper documentation to prove it lates where under 30 days days and 2 months XXXX XXXX 2012 I have sent supreme court documentation signed by a supreme court judge and sealed it states XXXX XXXX is SOLELY responsible to pay it along with letters from my attorney in regards and if not followed we would sanction the court and file a petition I have had numerous accounts with TD never late. how can I be responsiblie if a supreme court judge order it double pay it I sent priority mail which they received XXXX XXXX verified they state they started on it XXXX well its past 30 days and they have not respond ed to me I was told they would last week They also send they would call I have called 2x week just to saty on hold over an hour and no help want file a complaint that there not complying with fair credit act this belongs of my negative file its only one on there thank you for your time and working on this

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Trouble during payment process

Complaint: How is this company not being investigated yet????? I was on the phone with them 2 hours a day for three weeks and it's like taking 2 steps forward and 5 steps back! When calling today, the escrow analysis that was expedited on XX/XX/XXXX after talking to XXXX, XXXX, XXXX, XXXX and the finally the manager, XXXX and was told on a good note, XXXX XXXX, there's no sale date for your house yet. YES THERE IS! It'sXX/XX/XXXXat XXXX XXXX, hence why I can't wait till XX/XX/XXXX for an escrow analysis!!!! When I called today, XX/XX/XXXX, I also spoke with 5 representatives and was told this was never ordered onXX/XX/XXXX, but they'll put the request in for me now. Sure .... while my house is going up for sale on XX/XX/XXXX and this reinstatement quote is only good until XX/XX/XXXX!!! I called CFPB direct and didn't get much help either. I was told they have until XX/XX/XXXX to respond, however if they don't respond .... then what? Where's the accountability here?

Dated XX/XX/XXXX I was promised a reinstatement quote before the end of the business day today and after talking with 2 representatives and a supervisor and was told it was being expedited .... I still haven't received it. I sent you a registered letter last Monday requesting this information as well as an email on Wednesday requesting the same information. I haven't been able to reach anyone at your company in 4 months until my house was put into foreclosure. I do mortgages for a living and I have the funds to pay, but it's really convenient when you don't use the attorney you hired locally to do the reinstatement and I have to go through your office that I haven't been able to get in touch with for 4 months!!!!

What do I have to do to obtain this information from you and how is it your company is still in business? There's an open complaint with the CFPB ( XXXX ) and I will be fighting any attorney fees and cost that you requested from XXXX XXXX XXXX XXXX XXXX last Wednesday and request repayment of my attorney fees if I have to get him involved tomorrow. If my phone call was taken the 21 times I've tried calling to make payment with hold times no less than 1 hour 30 minutes, you wouldn't have had to hire an attorney. How many other people have you swindled their house from under them? I'm knowledgeable in this industry and can't believe what I've had to go through to get this information. XXXX  help those people that know nothing and just lose their house!!!

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 12-02-2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (MO).
Issue: Unauthorized transactions/trans. issues

Complaint: A deposit was made to my new RushCard by a friend. When I tried to access the funds I could not. Then I heard about the problems RushCard was having so waited several weeks. She made another deposit to my card. I still could not get the money off. Then, the original deposit amount disappeared. While attempting to deal with RushCard on that matter, the second deposit was transfered to another card by Customer Service. I emailed customer service just to be told I needed to call. I have called, been on hold for over XXXX hour just to be told they could not help me. To email. I have mailed, emailed and called. Everyone says to contact the other ( mail said nothing, email says call, call says email. See attached documents. Final straw today. See # XXXX attached. Thanks for any help you can give me!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2016 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Hi, I have Never went by the name XXXX ..I would like that name removed please. Thank you, XXXX XXXX XXXX

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 02-06-2018 about Mortgage (Other type of mortgage) with Neighborhood Assistance Corporation of America ("NACA") (AL).
Issue: Trouble during payment process

Complaint: I placed funds in an escrow account to cover repair expenses after closing on my home. I was advised I could pay for the repairs out of pocket and then be reimbursed from the escrow account that I put funds in before closing by submitting a draw request with receipts/bank statements and Notarized documents from the companies showing that a lien had not been placed on the property. I submitted all the information request yet NACA refuses to reimburse me from the escrow account that I put funds in to cover the repairs. I have reached out to them numerous times regarding this and request that someone from upper management contact me. All tries to resolve this have fallen on deaf ears. I have only gotten I reply that the funds are being applied to the principle of my home which is not what I requested. I want to be reimbursed for the repairs that I have paid twice for, furthermore the funds were not even applied to the loan. This has been going on since XXXX XXXX  2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: I was offered a short sale from the previous servicer XXXX XXXX  on XX/XX/XXXX in the amount of {$230000.00} The short sale was approved and ready to close by XX/XX/XXXX. 

The servicing of my loan changed to XXXX XXXX XXXX XXXX on XX/XX/XXXX and the new servicer failed to honor the previous servicers approval of a short sale. 

I resubmitted said package to the new servicer Shellpoint Mortgage Servicing on or around XX/XX/XXXX. 

However it appears that the servicer and their counsel were engaging in dual tracking in that while I was submitting documents to be approved for a short sale again by the new servicer Shellpoint, their counsel made an application for judgment and sale on or around XX/XX/XXXX. 

The servicer received judgment and sale on XX/XX/XXXX. I had been sent a notice of sale that my property is scheduled to go on sale on XX/XX/XXXX however at the time the sale date was scheduled I had not received a notice as to whether my new request for a short sale had been accepted or denied or an explanation as to why the previous short sale was not honored before the deadline to close expired. 

I petition the court to stop the sale which was granted and sent the servicer a qualified written request asking why the short sale from the previous servicer was revoked before the timeframe to close expired and also for the NPV analysis used to deny my shortsale in a letter dated XX/XX/XXXX which was sent to my mail on XX/XX/XXXX and received by 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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been made aware that a computer glitch in the summer of XX/XX/XXXX and early XX/XX/XXXX deleted inquiries in the month of XXXX. Once the glitch was realized Transunion added them back to my report., I am aware of my legal rights and it is illegal for an item to be added back to my report after being deleted with out written notification 5 days prior to it appearing. On XX/XX/XXXX at XXXX XXXX eastern time i spoke with a representative at Transunion by the name of XXXX XXXX at telephone XXXX. I contacted Transunion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquries add a hardship and my rights were violated by Transunion. Please have all of my Transunion inquiries deleted permanently from my report as a violation took place when they were illegally added back with out any notification. Inquiries to be deleted are the following : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My lender has instituted a monthly " convenience fee '' every time I try to pay my loans. The only option to not have to pay said " convenience fee '' is if I enroll in their autodraft program, but when I attempt to do so, their website says my loans are ineligible. I have been paying my loans in a timely manner for 8 years and do not understand why I am now being penalized for attempting to continue to do so.

Company response to consumer: Closed with explanation