milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES XXXX, TRANSUNION, AND XXXX and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies XXXX TRANSUNION AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.

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 04/29/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Let me start out by saying that I love USAA bank and even after what has happened will probably continue to bank with them. I am just shocked by what happened. On   XXXX   XXXX   XXXX   I reopened a checking and savings account that I previously had with USAA. I have been a member since  XXXX . Upon opening the account I also opened a Secured  XXXX  Credit Card account that is attached to a CD. I deposited {$30.00} in checking and {$30.00} in savings. On   XXXX   XXXX   XXXX  , I noticed the money I had deposited into my checking and savings was gone and my checking and savings account had been closed. I contacted  USAA  and was advised by a service rep that I had a balance and they took my money. I then advised the rep that I filed a bankruptcy in   XXXX   with  USAA  listed for banking and auto/Case  XXXX . The rep advised me that upon opening my account I signed some type of disclosure statement indicating that they could collect any money owed. I was never notified that I owed anything to  USAA  after bankruptcy. They have never contacted me about any debt which I thought was normal due to bankruptcy. I was shocked to know that they took my little bit of hard earned money right out from under me without any notification. Because I love the bank so much I probably would have still just paid the balance and reopened my account at a later date if they informed me of what was going on. I feel like I was misled and was saddened to know that USAA would allow something like this to happen without any notification to me, the consumer. Why even allow me to open an account if I owe a balance. Just really disheartened that this has happened. I am trying to rebuild my credit and buy a home. USAA was going to be my bank where my savings would go. My first {$30.00} towards savings is gone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have send transunion a 609 debt validation letter of all collection on my credit report and theyve failed to do so, they send me a letter saying verified and thats not proving me anything that the debt is mines, and For these reasons, the FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. Since no one validated me my collection I requested for transunion to remove all debts that has not yet been verified to me. Like XXXX XXXX XXXX and 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 08/25/2015 about Mortgage (Conventional fixed mortgage) with Prospect Mortgage, LLC (AL).
Issue: Application, originator, mortgage broker

Complaint: I used Prospect Mortgage in XXXX Alabama on a residential home purchase. I had a contract on a home contingent on sale of mine. I had to close on my house by the XXXX of XXXX, in order to accept contract for sale. Me and my real estate agent both told the loan officer at Prospect what our deadline was, they said they could meet it, and we sent them information to begin the process on XXXX XXXX. 

The closing date comes, and Prospect has n't funded my loan. This is after they confirmed to us we were good to close. Then they come back and say the closing attorney is n't approved. So the attorney fills out paperwork and submits it. Then they say that can take up to several days. 

The XXXX, still no closing. The XXXX, no closing, so I emailed their consumer advocate. This seemed to get the ball rolling, although I never sensed any sort of urgency on their part. We closed on tuesday, the XXXX. 

Because of the missed closing date, I had to rent XXXX storage units and move XXXX, once to storage and from storage to my new house. I had to stay in a motel for XXXX nights. I had to throw away food I had no way to keep since storage units do n't have electricity for refrigeration. I lost time away from work. The loan officer said to keep a record and submit my expenses for reimbursement. 

I did submit almost XXXX dollars worth. Never during the process did the branch manager call me to apologize, or give me any indication that he was even concerned or involved. The processor that did my loan was fired, and the loan officer resigned, because they ca n't seem to meet closing dates. The branch manager, XXXX, refuses to reimburse me. He did n't even apologize except through email after his manager brought it to his attention. 

He has lied to me in every dealing with him, and there is an almost identical complaint about XXXX and the local branch on the consumer affairs page. My agent says her mortgage guy could have closed me in 3 weeks, I went 40 days with prospect. I have done XXXX mortgages, never ever had XXXX this bad.We were told multiple times we were good to close through this process, only to be delayed again and again.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My employer issued me a check from a frozen bank account that they were not aware of. I promptly called my bank institution and spoke with a customer service representative, an account specialist and security. The account specialist XXXX explained that they received confirmation from my employer 's bank that their account was frozen prior to issuing my check deposit and explained that they would not think it was fraud due to this knowledge. I have received another check from my employer and the bank has made it available to me in one business day. Upon checking my account on XXXX-XXXX-17, I realized that my account was in the negatives and had this note " reg cc XXXX '' next to my deposit. I called Capital One but it is a bank holiday. I am concerned about the practice of this bank institution because according to the regulations of the federal reserve, I am to be notified ( the account holder ) of this hold on my funds and went it would be available. Upon checking further, XXXX is a fraud detection and has signified this check in my account to be held. I am disgusted as the bank and their 3 representatives assured me that they knew what was going on and I would not be penalized for this. It was not my fault that a check given to me was from a frozen bank account and now they want to hold my funds against me for something they thoroughly discussed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with CITIBANK, N.A. (KY).
Issue: Closing/Cancelling account

Complaint: I have had a Macy 's credit card since XX/XX/XXXX. I received a letter in the mail XX/XX/XXXX stating, " this letter confirms receipt of your written notice to reject the new terms contained in the change in terms notification of your Macy 's credit card account, since you have elected to not accept the terms, your account has been closed ''. 
I have never received a request to accept any new terms from Macy 's, and I have talked with XXXX different customer service agents concerning this issue. I was finally given another number to call XXXX. The agent at this number said she could n't help me, they were the department for delinquent accounts. I have always paid my Macy 's account on time and I am currently in good standings with them. I really need help. I was appalled from this letter saying they were closing my account without my permission, or giving me a valid reason. I have told the agents at Macy 's to send me the written rejection letter that I supposedly have sent them and I was told they could n't help me. Please if anyone from your office can find out if a fraud act has been committed and help restore my Macy 's account back to good standing. I have great credit overall and I am afraid this will cause a negative impact on my credit bureau records.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Several times I disputed this account with nothing updated. My auto loan with XXXX is being paid as agreed. I have attached payment history and my account is current. Please help assist me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, JPMC filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. See attached. Then, ignoring payment was made AGAIN, JPMC filed suit XXXX. Again, they filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then they sued AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. Chase lied about getting the money and did not tell the court they got paid. Chase lied about having received the money and filed an affidavit claiming it was still due. The Court believed Chase and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but Chase is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the Chase employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo Mortgage lending financial institution offered me a pre-qualified lower interest home refinance loan for a current mortgage home loan I had with Wells Fargo since XXXX 2010. As result I applied for the home refinance loan since it would give me {$35000.00} in interest savings over the remaining life of the loan compared to the current interest rate I have on my existing loan. Once the application process started I provided Wells Fargo with every individual piece of financial information required to support my application, such as, 401K account statements, paystubs, and paid {$550.00} to obtain appraisal on my current home. Although all of my financial information support my worthiness for a loan and my current home appraised value is {$200000.00} more than what I owe Wells Fargo the bank refused to extend me the loan. Wells Fargo reason for not extending the loan is that while appraising the home the first time the assessor noted that the home was being upgraded with hardwood floors and therefore another appraisal is required? I asked Wells Fargo to pay for the second appraisal since it was their mistake for not asking me if the house was having upgrades during the time of the appraisal and I do not have the financial means to pay for a second appraisal. I attempted to speak with Wells Fargo on the phone however they hang up the phone on me? I also sent emails to the supervisor overseeing the file and no response was ever received from them? Lastly I learn that my loan application was denied??

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 01-10-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: My ex husband bought a home in XXXX of 2013, using his VA loan. The bank he went through is called Freedom Mortgage. This house was bought in New York. I noticed the house has been put on my credit. I was no where on the loan agreement.

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 01/26/2016 about Prepaid card (General purpose card) with NETSPEND CORPORATION (MA).
Issue: Advertising, marketing or disclosures

Complaint: i keep receiving emails from Netspend prepaid XXXX, this is their email : XXXXXXXXXXXX They keep coming ( XXXX so far ) thanking me for applying ; i will be receiving my card soon ; directions on how to activate. I DID NOT APPLY FOR A CARD FROM THEM OR ANYONE ELSE. I called all XXXX credit companies and put a 90 day fraud alert also paid {$5.00} to freeze XXXX of them. I did save the emails but was careful NOT to go to click link. I did cut and paste the first XXXX to address bar to check out who they were. It looked like a legit site and said if you receive unsolicited emails from them it was phishing and to forward the email so i did. But probably a mistake on my part because as stated above i keep receiving them. I have Not received a card as of today XXXX/XXXX/16

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Other fee

Complaint: The " My Macy 's '' credit card charges a {$2.00} " minimum interest '' fee each month, even when the balance has been completely paid off, there are no new charges and the balance would otherwise be XXXX. I was charged this fee three months ( XXXX ) in a row, on a XXXX balance, before I finally called to complain. The Macy 's representative 's explanation was, " the fee is for interest carried over from before the balance is paid. '' But there had been no balance for three months. And a fee of {$2.00} could n't be an prorated daily interest charge because such a number would not be so even or the same each month. When asked why an interest fee would be charged with no balance, the representative simply said, " We are happy to refund the fee to you. '' They even have an option on their automated phone messages, asking if you are calling about the fee. If you press the number for that option, they recorded message says they will refund the fee as a courtesy, but the fee is for " carried over interest. '' Perhaps, I 'm not understanding how interest is calculated on credit cards, but I do n't think any interest or fee can be charged if you pay the balance before the due date. Their complete lack of substantive defense to the question, and automated refund, leads me to think that they know it 's a scam and are probably charging many people this fee for no reason.

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 02-12-2017 about Consumer Loan (Installment loan) with Harpeth Financial Services, LLC (TN).
Issue: Problems when you are unable to pay

Complaint: I took out a flex loan XX/XX/2016 shortly after the loan was taken out my child was XXXX and I became late on all my bills. I contacted Advance Financial XX/XX/XXXX and again XX/XX/XXXX via telephone and I mailed a letter stating that I was aware of my account being behind and wanted to know if I could settle the account by making smaller payments and I received no response. I started receiving mailing from attorneys because I am being sued not only did they not respond they have now attached attorney fees and other fees. This will for sure force me into bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (NY).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Approximately 7 days ago, I deposited a check for {$10000.00}. After the deposit was approved on  XXXX   XXXX   2017, I w as advised the funds would be placed on a 5 day hold. Shortly after on  XX/XX/2017   , Loss Prevention placed a block on my account restricting my access to online banking and left me a message.     I was told the account was placed on hold due to further verification that was required in order to verify the check with the drawing bank,  XXXX , and the LP Representative,  XXXX   XXXX  advised she would get back to me after speaking to  XXXX .     On  XX/XX/2017   ,  XXXX   XXXX  stated the check was verified, the funds were cleared and available and that she would be closing all of my accounts and would issue me a check on the closing balance, only AFTER withdrawing/transferring {$2900.00}  to Ally Ban k for funds owed on a Jointed Money Market Account ending in  XXXX  that was closed and charged off prior to this matter.     For the record, I have been a loyal customer and disagree with the decision made to close my accounts. Also as  of  XX/XX/XXXX  ( today  ) in which my funds from my last deposit were to be made available for use, for the record I am stating, I did not authorize, and am not authorizing  Ally Ban k to transfer or withdraw funds from my interest checking account ending in  XXXX  to cover the debt owed on the Joint Money Market Account ending in  XXXX  which has already been charged off and closed. I am not solely responsible for this debt, nor did I cause this negative balance to occur. I have no involvement in any of the account activity leading up to the negative balance, and do not authorize  Ally Ba nk to use funds from my checking account to pay this debt

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 08/24/2017 about Debt collection (Medical debt) with Preferred Collection and Management, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I called preferred collection and management company to inquire why are they reporting a collection that they never validated. The first rep was rude did not verify my identity proceeded to say the debt is mines and continued to talk over me I ask to speak to the manager who he left me on hold for over 9 mins when she get on the phone she did not verify me and she also stated that they do not have to validate debt and one letter was fine which I told her I never received any letter I ask the manager do you understand that your rep did not verify me before he gave the mini memoranda she told me not to speak to her that way I have the call recorded and they kept being combative would not let me speak to resolve this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I SENT A DEBT VALIDATION LETTER TO RESIDENT COLLECT IN XX/XX/XXXX THEY NEVER SENT BACK PROOF OF DEBT, THIS IS VIOLATION OF FCRA, FDCPA, I WANT THIS DELETED FROM MY CREDIT REPORTS NOW.

Company response to consumer: Closed with explanation