milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2015 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Credit decision / Underwriting

Complaint: 1. USAA will not honor the loan rate offered to me telephonically. Mortgage rates and associated points were telephonically communicated to me and I made detailed notes of the call. I locked in the rate/point based on the telephonic quote. Written lock-in agreement listed different point level from the telephone quote and I made an immediate inquiry to USAA. USAA has delayed investigating my inquiry for XXXX days. USAA now asserts that the telephone call where prices/points were quoted to me was not recorded and, therefore, it will not honor what was quoted to me by phone. 

2. USAA has declined to honor the closing date listed in the purchase contract. I have made repeated requests to have the closing date corrected, with no success. 

3. USAA has taken advantage of the fact that I am single and a XXXX-time home buyer. When initiating the application process, USAA was made aware that a ) I am young and single ; b ) I have no realtor ; c ) I am a XXXX-time home buyer. When I received my application packet, I did not receive contact info for my loan processor ( I did n't even know I would have a loan processor assigned to me ). When I did receive contact info, I received only a first name and a telephone number ( no last name or email ). Phone calls were not answered, voicemails were not returned for at least XXXX hours. Loan processor did not alert me when documents were sent to me, and since I have not gone through this process I was not aware that documents would be sent by overnight courier to me that required immediate attention. As a result, the process has been unnecessarily delayed several times. 

4. USAA will not work with me to resolve my issues/concerns. I made repeated requests to resolve my concerns/issues about closing date and points/loan rate with USAA and USAA has declined to work with me. The representative I spoke to indicated that the closing date is inflexible and that USAA would not honor the rate quoted to me by phone since they did not record the call. Further, the USAA representative chastised me by asking why I had not taken it upon myself to ask the questions about rate changes/required forms/process. I replied that every USAA representative I spoke to understood that I was a first-time home buyer, so how would I know to ask those kinds of questions since everything was new to me?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit card or prepaid card (General-purpose prepaid card) with First Data Corporation (MI).
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint: I have a Money Network card through XXXX XXXX. I 've had the card for about 6 or 7 months. I had direct deposit through my previous employer with no problems. I have even loaded money onto the card through XXXX with no problems. 
I am at a new job now and have direct deposit set up going to my Money Network card. 
They froze my account and wanted me to verify my identity. I faxed the documents they requested which was my I.D . then wait 48-72 hours for their compliance department to process. 
After waiting the 72 hours, they said they never received anything. So I faxed again. 
This time I faxed I.D., social security card, check stubs. That was Friday X/XX/2017 so I had to wait over the weekend and then the full 72 hours. 
Now they are saying they cant read my I.D . and I need to re-fax for a third time and wait 72 more hours. My paycheck is sitting there froze.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Struggling to pay mortgage

Complaint: I have filed five ( 5 ) comlaints against Wells Fargo Home Mortgage and each time they send more and more unrelated or the same documents. The last XXXX responses were 58 and 83 pages consecutively, cut and pasted and just a mess. None of which provided an answer to my complaint. 

No one at the CFPB read or reviewed the answers. It is easier to say they provided a response. XXXX has not provided a response to the complaint, they just responded, there is a difference. And yet XXXX laughs in my face and the CFPB because they think they are getting away with this. Over my XXXX body! 

XXXX continually goes to the Federal Court with their consent judgements and offers to pay billions of dollars but have never paid a dime! I challenge you CFPB to check it out, I did. 

I know the truth and so does XXXX. Soon the whole world will know. 

" Why am I not eligible for the settlements ''? 

I provided all documents for every excuse they have given. " Why am I not eligible for the settlements ''? 

Having run out of excuses, now XXXX just say I was not eleigble. " Why am I not eligible for the settlements ''? 


The one issue and question continually asked and never to date answered " Why does '' Why am I not eligible for the settlements ''? 
XXXX say that I was not eligible for the settlements ''? Having submitted to the CFPB documents refruting XXXX : " Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''?

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 04-04-2015 about Consumer Loan (Vehicle loan) with Tebo Financial Services, Inc. (SC).
Issue: Managing the loan or lease

Complaint: I can only make my payments online or by calling into the business, but I will be charged a {$5.00} fee. I have been denied access to my account online for the last 8 months. I have no way of getting my balances and seeing if any of the payments I am making are being applied to my balance. I do n't have a coupon book or receive any statements from this company. I have been asking to have access back to my account and the only thing I am told I am sending to the supervisor to unlock your account. I am constantly harassed both at home and on my cell. I have so XXXX and I would just like to know what my balance is and at least get a email telling me where my account stands. I feel that I am blindly making payments and I will like to get a resolution to this ongoing problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I signed up for an account with Equifax. The scores they have for themselves,  XXXX  and  XXXX  are all incorrect and do n't match any other FICO score for me. I called Equifax and they refused to help me over the phone, saying that they could not give me a score over the telephone. I am trying to buy a house and the mortgage company I am using uses Equifax exclusively so I have been rejected for a mortgage. As well, I paid down a lot of debt and as a result, Equifax dropped my credit score by  XXXX  points.
Incorrect information plus no customer service. As well, their website is almost always down for maintenance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: AN UNAUTHORIZED CHARGE WAS MADE ONT O MY U.S.  BANK PREPAID  VISA ACC OUNT IN THE AMOUNT OF {$6000.00} ON   XXXX   XXXX    2017.  THE CHARGE WAS DISPUTED BY THE CARDHOLDER WITH  U.S.  BANK. THE CARD MEMBER  SERVICE  REPRESENTATIVE  XXXX , DID NOT PROVIDE ANY SUPPORTING DOCUMENTATION TO ME, THE CARDHOLDER NOR TO   VISA   AND O N XX/XX/XXXX    XXXX  BILLED MY ACCOUNT FOR THIS CHARGE. MANAGEMENT OF THE ISSUING BANK HAS BEEN CALLED TWICE A DAY SINCE RECEIVING NOTIFICATION AND LEFT MESSAGES WITHOUT ANY RESPONSE.       1. THE MERCHANT WHO CHARGED THE ACCOUNT HAS A DIFFERENT NAME ON THE DOCUMENTATION THEN THAT OF THE CARDHOLDER.
2. THE CARD WAS NOT SWIPED BUT MANUALLY ENTERED BY THE MERCHANT AND NOTHING HAS BEEN SIGNED BY THE CARDHOLDER.
3  . THE MERCHANT CLAIMS THAT A SERVICE HAD BEEN PERFORMED BUT FAILED TO PROVIDE ANY DOCUMENTATION OF PROOF. THE MERCHANT PROVIDED PHOTOGRAPHS OF WHICH HAD NOT RELEVANCE TO THE CHARGE.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LoanCare, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Loancare is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XXXX XXXX - XXXX. We did not have access to email or XXXX mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. OnXX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that Loancare reported us 30 days late to the credit reporting agencies. Upon contacting Loancare, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from Loancare that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit  suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the Loancare website should have been resolved by the 20th ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for Loancare to  suppress the erroneous reporting based on them having improper contact information and Loancare is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to Loancare or any other creditor in the last 14 years.

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 05/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (ID).
Issue: Loan modification,collection,foreclosure

Complaint: I am submitting this complaint for my Client XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Id. I am her XXXX XXXX XXXX with XXXX XXXX XXXX in XXXX Id. I have sent you a complaint previously about Wells Fargo and their handleing of the short sale. There is a Foreclosure Sale date set for XXXX XXXX, 2015. They have had an offer for some time and keep asking for more documents. I was just told by Wells Fargo Customer Service another appraisal or BPO was ordered. If the appraiser is very far out there wo n't be enough time to work the offer. Wells Fargo approved on offer for {$180000.00} and I have a full approval letter to close but the buyer 's lost their financing. Then Wells Fargo ordered a BPO and it came back at {$200000.00} just a few months later. The property In XXXX, Id did not increase in value {$29000.00} in just a few months since the seller has not done anything to the property. I believe Wells Fargo is stalling so they can foreclose on my client. I believe Wells Fargo has caused her undue harm and stess in this situation. If they can accept {$180000.00} once I do n't understand why they are not accepting the offer they have for {$180000.00}. Please check into this file. The processers who is assigned to the file is XXXX XXXX XXXX XXXX or XXXXXXXXXXXX. Please for the customers sake check into this matter. I believe Wells Fargo is not keeping the customers best interest in mind and they are not trying to help their customers. Thanks XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Struggling to pay mortgage

Complaint: I fell on hardship due to health issues, XXXX, XXXX, etc ... 
I was n't able to do my taxes for XX/XX/XXXXand XX/XX/XXXXmy accountant is working on XX/XX/XXXXnow I requested for a week calling everyday BOFA and they refused to provide me with the XXXX form everyday i spent minimum of 3 hrs on the phone, costumer service to foreclosure, foreclosure to customer service back and for 2 to 3 time every phone call costumer service claimed that the can pull up, the form because i 'm on foreclosure, and foreclosure they do n't have it, so i can not finished my taxes to apply for loan modification furthermore they cheated me on this heloc at the time of the signing i specific asked if the term of the loan will change after 10 or 15 years and she told me NOT I was paying interest only and suddenly my payment jump from around 1K to almost 3K they never notified me of this changes nor explained that indeed the term of the loan changed after 10 years They are crooks and thieves Thank you

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 03/29/2018 about Debt collection (Credit card debt) with Oracle Financial Group LLC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I received a call from a person called XXXX XXXX from Oracle saying that there is a matter with XXXX County regarding some serious allegations involving my social and date of birth. They need to hear from me or my legal representation immediately and failure to do so may result in further action with or without my consent and may also involve references I placed on file and may forfeit my right to speak on my behalf. I called this person and he told me that it was a debt that I had with Indigo credit card for {$580.00} and that they were suing if I did not pay immediately. They had my old address but my correct email and I asked for them to send me a letter in the email so that I can see how I canopy and he refused to do so and spoke to me in a very nasty and threatening way and hung up on. I contacted XXXX directly they told me the account had been charged off and that they could not update my address and told me that they would contact a manager at Oracle. I spoke to another person that was also very nasty and also refused to send me anything if I wasn't paying today. Telling me that it wasn't how I wanted to pay but how they needed me to pay. What is this? I have not committed any crime. I am not refusing to pay but I do not need to be treated this way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NC).
Issue: Settlement process and costs

Complaint: REGARDING RESPONSE LETTERS XXXX, XXXX IN WHICH THE RESPONSES PROVIDED A COPY OF A HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT SHOWING AN ENDORSEMENT OF XXXX. 
I AM REQUESTING SPECIALIZED LOAN SERVICING FOR THE XXXX TO PROVIDE THE TIME/DATE/YEAR WHEN THIS COPY WAS ACQUIRED BY SPECIALIZED LOAN SERVICING. I AM STILL WAITING FOR THE NAME OF THE CUSTODIAN / NOTE HOLDER THAT IS HOLDING THE ORIGINAL NOTE TO BE IDENTIFIED FOR THIS LOAN PROVIDED BY SLS. SHOULD THE PERSON RECEIVING THIS BE UNABLE TO UNDERSTAND THE TWO REQUESTS PLEASE SEEK HELP FROM YOUR LEGAL DEPARTMENT.

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 10/18/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt is not mine. I never had an account with XXXX ever. Someone may have used my information but this is not mine and needs to be immediately removed.

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 06/15/2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They are calling for my son ( XXXX XXXX ) after I have told them that he does not live here. I have told them not to call, and they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Mortgage (Other mortgage) with Shellpoint Partners, LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a phone call from ShellPoint Mortgage Servicing on XXXX at XXXX asking me to verify personal credit information and they referenced me to my previous foreclosed home at XXXX XXXX XXXX XXXX XXXX Il XXXX. The company Shellpoint mortgage servicing also know as Resurgent XXXX Servicing was a company inwhich I had a second mortgage and I filed Bankruptcy on or about XXXX inwhich the debt has been wiped out. 
They continue to call and harass me when they had a copy of my credit report which verifies and shows that I filed bankruptcy and the debt had been dismissed. I told them to stop calling me and harassing me to put me on their do not call list but they continue to call and harass me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (I do not know) with NISSAN MOTOR ACCEPTANCE CORPORATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My name is XXXX XXXX owner of XXXX XXXX. On my office phone we have been receiving calls for months from Nissan Motor ... XXXX asking for an employee who does not work in the office, he works at XXXX sites. We informed the employee when the first calls came in and informed Nissan Motor the same. Nissan Motor has continued to call sometimes three times a day. I have informed the call multiple times to stop calling and they just say thank you and call back. These calls have impacted my business as we have only one line and only one or two people in the office. The phone in my office is XXXX and the caller is asking for a XXXX XXXX. 
Please help in making these calls stop. Thank You XXXX XXXX

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 Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I want all information regarding a b/k over XXXX yrs ago removed from my credit reports from all three reporting agency and to be advised when done!

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 03-08-2017 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest I didn't expect

Complaint: I continued to get charged {$400.00} per month automatically withdrawn from my bank account when I feel the loan has been paid. I borrowed {$800.00}. They have taken {$400.00} per month for the last four months, starting in XX/XX/XXXX - XX/XX/XXXX. I recently put stop payment at the bank. So XX/XX/XXXX payment was not taken, but they attempted I have no documentation of the loan and when I called them to ask why there was another XXXX payment taken from my checking account they would not talk to a friend which was attempting to help me with my bills since I had just experienced a hardship caused by a hospital stay.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Debt collection (Other debt) with AFNI INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: AFNI Inc, they did not send any written communication to inform me of this debt before they added it over and over again to my credit report. I have never done business with this company and was unaware of any debt I have or had with this office. 

I request legal proof of this debt and for AFNI to cease reporting the same debt over and over again to the credit bureau. 

I have a government issued Identity protection that alerted me on XXXX/XXXX/XXXX that Afni, Inc added XXXX to my XXXX report. I also received an alert today XXXX/XXXX/XXXX that it was again reported to XXXX. 

I have another credit monitoring company through XXXX that alerted me that this debt was reported to XXXX also on XXXX/XXXX/XXXX still without proof of debt owed. 

Lastly, there is another creditor named XXXX XXXX that is reporting the exact same debt ( just a dollar off ). AFNI, inc has also re-aged this debt to look like a new debt everytime they report it. My credit score is taking major hits from these fraudulent recovery activities. I will be in touch with OPM credit monitoring as well as XXXX to report this fraud if they do not cease and desist their efforts to ruin my credit. 
I have also contacted a lawyer who is willing to take my case due to the proof I have for fraud. This is my last attempt to get them to stop or else!

Company response to consumer: Closed with explanation