milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Deposits and withdrawals

Complaint: I am XXXX and was discriminated against by USAA because of my race/class. On XXXX/XXXX/16 I deposited a money order in my account for {$500.00}. The money order was placed on hold until XXXX/XXXX/16. I called to speak with an agent on XXXX/XXXX/16 to see why the hold had been placed on money order ( same as cash ) that I 'd purchased with cash. The first agent I spoke with ( XXXX ) asked me where did I get the money from to by the money order. Which is discrimination and was not the cause of my money being held. I asked her what did she mean and she said how did you make that money. I told her I was offened by that question. She never apologized. I explained to her that I had checks coming out of the account ( rent, etc. ) that the money would need to cover and if not available my account would be overdrawn. I also explained to her the hardship it would cause my family and the only reason I deposited the money orders is because I thought it was the same as cash. There is no USAA bank in my state so other than direct deposit and depositing money orders through my mibile account I have no way of depositing funds. I asked if the call could be escalated to another department which it was. The second representative I assumed would better trained in costumer service but not so. She too belittled me asking " I do n't understand way you would deposit the money orders with the possibility of them being held. '' This was after I 'd explained to her that I thought the money order was same as cash. She was very rude and told me " I 'm not reversing the hold now what else do you want to talk about. '' As of now {$560.00} ( money orders which I purchased ) is on hold and will not be released until XXXX/XXXX/2016. Please advise me what to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Student loan (Non-federal student loan) with AES/PHEAA ().
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: In XXXX I applied for a student loan of {$20000.00} with my bank XXXX and received the full amount. When I graduate in XXXX after 6 months I started to make the minimum payments for this loan. In XXXX the loan was taken over by another company called American Education Services. I continued to make my regular payments with this new loan company. In XXXX I decided to return to school for XXXX and sent in an application for forbearance. As a full time student overseas I would not have the income needed to make regular payments on the loan. I sent proof of enrollment and all the necessary documents to AES twice and was denied both times the reason given was " cumulative maximum of deferment has been reached ''. The only time the lean was in deferment was when I was still still in school for my XXXX degree. On the basis of this I have been receiving calls about my loan being past due, but all the necessary paperwork was given in a timely manner and my I was told that my request was in review. I continue to contact the loan officer who handles all the loans for XXXX and they tell me to do the same steps and I receive the same result. I have no idea how to handle this situation. I want to warn other not to use this loan company for your student loans as they are unorganized and are not customer orientated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2015 about Debt collection (I do not know) with NORTHLAND GROUP INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are calling wrong number. For over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Other debt) with Duncan Solutions, lnc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I checked my credit report and there was a company I had never heard of. I never conducted business with. This company is XXXX XXXXt Address : XXXX XXXX XXXX XXXX XXXX, WI I wrote a certified letter to the company but I still did not receive a 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 07-11-2016 about Debt collection (I do not know) with NATIONSTAR MORTGAGE (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keeps calling my personal cell phone, but when I answer they hang up on me. I called back and it 's Nationstar attempting to collect a debt or loan, however, I have no account with them nor do I have anything negative going on financially. She asked me for my social security number and I refused. She then asked for the last XXXX digits and zip code so I gave her that. She said my account was invalid and to provide the proper info. I told her I have no account which is why I am calling and asked her to remove my number from the call list. She said she ca n't do that until she pulls up my account. I asked to speak to a supervisor numerous times and that I do not have an account and she just kept saying the information I gave her was invalid then she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I was part of the XXXX and received payment last month. 
I was told that the foreclosure should and would not be on my credit report. I learned that it was and disputed it with all XXXX credit monitoring servicers. 
I told the companies that i was involved in the Independent foreclosure review and they still would not remove because of BANK OF AMERICA responded to them stating it was accurate. I was involved as a member of the the UNITED STATES XXXX. I have only a check stub stating the amount and reason why the check was issued. That is the only documentation the bank will give based on the settlement agreement with the federal government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: Nissan Motor Acceptance Corporation has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The second loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through XXXX as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing Nissan to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet, it also says that I was late on a payment. Since I did NOT sign, give consent or agree to the XXXX loan, it should NOT be showing up on my credit at all. This morning I received an email from XXXX indicating that they contacted Nissan and got verification that the loan belongs to me. I think that it also shows up on XXXX, but that is why I am hoping that by filing this complaint, the company will fix their mistake and report to the credit agencies that it is NOT my loan and that it was THEIR mistake, will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: How can you keep saying you vierfied the accuracy of these misleading fraud account I have submitted my documents with the ftc and sent you a copy of these documents. 

Please remove these misleading fraud items off my report before I sue for damages this is beyind sad im going to the FTC and my Lawyer next. 

XXXX XXXX XXXX XXXX please removed these fraud accounts because your lying XXXX didnt verify with anybody

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 08/21/2015 about Debt collection (I do not know) with Southwest Recovery Services, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Debt collector continues to call my job with an automated message stating my name and that they are trying to collect a debt. My secretary had heard the message as I work in a school. I 've tried to get them to stop calling, but they will not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Payday loan, title loan, or personal loan (Title loan) with ACE CASH EXPRESS, INC. (LA).
Issue: Struggling to pay your loan

Complaint: I did get a title loan from Ace Check XXXX and was paying it on time until work became VERY slow. I defaulted on my loan and did try to set an arrangement ONLY to not be able to fulfill it. I am a recently divorced mother of XXXX who has recently had to file bankruptcy to take care of my kids. I do/Will pay the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I made my XX/XX/XXXX payment with 2 checks. Nationstar Mortgage 's report shows that they received them on XXXX XXXX and applied them to principal, rather than to the monthly payment due XX/XX/XXXX. I was not aware of this until my XX/XX/XXXX statement arrived. I immediately phoned them on or about XX/XX/XXXX and they corrected it in their records. However on XX/XX/XXXX I received a notice that my credit rating dropped. I reviewed my report and the drop in the rating was due to Nationstar 's reporting the XX/XX/XXXX payment delinquent for over 30 days, which was totally false in that they simply misapplied it. I filed a report with XXXX XX/XX/XXXX and XX/XX/XXXX and they said Nationstar has 60 days to respond. 

On XX/XX/XXXX I wrote to Nationstar requesting it be corrected. Heard nothing.

On XX/XX/XXXX I called a manager at Nationstar and they had me email the information to them, which I can and can forward to you. 

My credit has been significantly adversely affected and they are doing nothing. Now they are selling the loan to XXXX XXXX effectiveXX/XX/XXXX and have not corrected it yet.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Loan servicing, payments, escrow account

Complaint: wachovia/ wells fargo bank [ mortgages ] on XX/XX/XXXX stole my home with XXXX % equity in by fraudulent forclosure, fraud and perjury comitted, ceo XXXX XXXX in cahoots with crooked ticketing judge XXXX, XXXX florida usa fraudulent final judgemant all paymants paid acount in credit, bank sent checks from my escrow acount to home owners insurance that was already paid infull they emptied acount then put me in forclosure, with over over {$6000.00} incredit all my paymant were tracable and cashed by wells fargo bank all international wires you can not bounce a international wire it is cleared funds, then the bank recieved the insurance checks when they came back in to a holding acount? the acount also had a c/o signed insurance check that i had done the work for {$2500.00}. i have just looked on XXXX county court records site XXXX florida XXXX XXXX XXXX XXXX case no XXXX XX/XX/XXXX the facts are all there crooked judge XXXX XXXX deliberatly refused to look at proof of paymant of all international wire transactions the escrow acount statemants are all there with the acount in credit also excessive Fees and monies not applied to acount clearly in the bank statemants this is fraud and perjury committed by XXXX XXXX who was told by the govermant what to do this is predatory lending on a organised crime bassis The Fradulent Forclosure Act is more important than false acounts You are making adecoy for what is about to unearth in your corrupt court system wachovia / wells fargo bank the mortgage title was in the name of XXXX and crossed out by pen this can not be a official documant and the crooked judge accepted it as proof of title i will question this CFPB you have done nothing about the fradulent forclosure theft XXXX casses

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
Consumer complaint received 11/17/2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed twice with Equifax the status of a tax lien that was placed on my credit report. The tax lien was vacated and withdrawn, and removed from my XXXX report. I am requesting that they do the same. I faxed over documentation from the courthouse. When calling the about the dispute, the last XXXX representatives stated they did n't know what I was talking about and that the item had been removed. Then they further proceed to try to get me to upgrade my monitoring service. I explained to them that I do not pay {$16.00} for my services, I pay a more reduced rate. They insist that Im being charged more and proceed to transfer me to another department where they see my account is exactly as I stated with the reduced fee. I have been going back and forth with this company for the last week or so with no results and the same answer " i do not know what you are talking about ma'am '' Frustration has truly set in, all I want is for the lien to be removed from my report because its reported inaccurately and has been vacated by the court.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Bank account or service (Other bank product/service) with EARLY WARNING SERVICES, LLC (GA).
Issue: Account opening, closing, or management

Complaint: Early warning is reporting inaccurate information to banks that is preventing me from opening a checking account. I have tried to dispute this inaccurate reporting and have not receive any type of correspondence from EWS. This information is from XXXX fraudulently and vindictively closing my account. EWS has now participated along with sun trust Bank by damaging my banking history, causing me embarrassment, and causing me to now have pay extra money to cash my checks, get money, or pay wire fees because I can not open an account. EWS fail to investigate the validity of XXXX reporting the false and defaming information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My understanding is that I have a right to cancel the PMI on my home mortgage, since my LTV is less than XXXX %, but my mortgage company denied my request, stating that my LTV is XXXX %. 
I have requested them to provide me an explanation on how they calculated my LTV, but I never got a response from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Struggling to pay mortgage

Complaint: I need assistance with keeping my home AND my Servicer may attempt to sell it without due process. I would like your help in resolving an issue with my mortgage servicer. XXXX XXXX XXXX XXXX XXXX XXXX sold my home Loan to Carrington Mortgage Services ( CMS ) in XX/XX/XXXX At the time, I was in the midst of a Loan modification application, I had sent in requested documents but XXXX had not made a determination one way or another.
CMS sent me a notice denying my application and giving me an option to appeal by XX/XX/XXXX. However, in the same packet there was another notice informing me that I was approved for Home liquidation options and if I had applied because I wanted to keep my home I have untilXX/XX/XXXXto signify that I am interested in Home Liquidation ( otherwise CMS will put the home in foreclosure and I will no longer have any options open to me like Short sale or Deed in Lieu ). CMS is attempting to railroad me into getting into a liquidation because the date for liquidation options is earlier than for Modification appeal.
The reason CMS gave for denying my application for modification is that I did not meet seasoning requirements - the loan has to be at least 12 months old and there have to be at least 4 payments made on the loan. I appealed the decision immediately because my loan was made in XX/XX/XXXXand I have about 60 payments made on the loan. Clearly, I meet the seasoning requirements. Carrington had a gentleman, XXXX from the Escalation team call me and explain that the reason on the letter was not the real reason I was denied and I just did not meet the criteria and the only option I have is to sell the house or hand it to them in a " Deed in Lieu ''.
I would also like to add that CMS sent my first mortgage statement to me and increased my mortgage payment by $ XXXX monthly, right out of the gate.
It is instructive that the Ohio state Attorney General and Department of Commerce jointly sued CMS alleging it did not provide modifications in the state as required under a XX/XX/XXXXagreement. According to their settlement, CMS will assign a single point of contact at the firm to work with borrowers who apply for a modification. The servicer will also implement a specific timeline for all requests, and it will suspend the foreclosure process while a loan is being evaluated for a workout. Internal reviews will also be set up for denied modifications. CMS also agreed to provide relief to 60 Ohio homeowners that involve loans to which Carrington acquired the servicing rights to in XX/XX/XXXX. CMS has not done any of these things with my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX and XXXX after court date and again in XX/XX/XXXX. Iexplain to rep that I could not payment a large payment they was requesting and was advised to make good faith paymrents would prevent further action. my hours were cut and I am struggling to work due to health issues along with I am caregiver for my mother. I was n't able to send anything for a 3 months and I sent XXXX pymt in XX/XX/XXXX. I have sent several letters to them over the past year asking for reduced payment arrangement and proof of balance. No one can provide detail of where this balance contained. I feel being served a wage garnishment in the mail and I called again today and told they ca n't set up payment arrangement for less than {$63.00} a month. If I had an extra {$63.00} I would be paying that. I am working approximately XXXX hours a week at XXXX an hour and odd jobs and i have sold numerous items. I have n't ran from them and they refuse to work with me instead taking legal action forcing me to be stressed out and feeling threatened. If they do take money from my checking or pay check it will cause my mother and I to go without medicines and food and no transportation for doctors appts or the few hours I am allowed to work. I owe the IRS, VA Taxation, Student Loans, Rent, car payment I am getting ready to lose, car insurance, etc etc. I have asmall craft business but I do n't have the funds to even by fabric to resell or pay for my XX/XX/XXXX license. I feel I will be forced into BK and I ca n't afford that either. I have XXXX dollars in a checking account and another overdrafted I am trying to pay before the IRS comes after me. I am the caregiver for my mother and the little funds I make mostly go to food and medicines. Can someone please ask them to work with me? I ca n't handle the pressure of them not working with me. I owe the debt I do beleive the amount is wrong from the beginning but no one will help me and I want to pay this as bad as they want me to. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: An unauthorized and fraudulent inquiry was made on my Experian credit report on XXXX/XXXX/2016 by XXXX XXXX XXXX. The inquiry is unauthorized and fraudulent.

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 06/20/2017 about Checking or savings account (Other banking product or service) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX the XXXX, went to the bank to deposit XXXX cash into the ATM in one of the drive thru lanes. I inserted my card and entered my pin number. Tapped deposit on the screen. Then inserted XXXX XXXX dollar bills. The screen displayed " Your cash has been confiscated ''. I was very frustrated due to the fact that there was nothing I could do about this right then. I am XXXX and on limited budget. The money I tried to deposit was a gift. I really needed this money. Anyway, I went to the branch that I use on XXXX the XXXX. The address is XXXX XXXX XXXX in XXXX, TX XXXX to report this. I reported to a lady named XXXX. I was given a reference number to keep up with the status of the investigation that was to take at least until XXXX the XXXX. I called several times. On XXXX the XXXX, I called and was told that the ATM was not over balanced and I was denied my money. This seems to be very frustrating to me. I would think that the cameras at the ATM could show me there depositing the money. This is no scam! I seriously need my money back!

Company response to consumer: Closed with monetary relief