milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Initial Complaint :  XXXX  USAA provided me with  XXXX   XXXX  contact information from on  XXXX   XXXX ,   XXXX  . I did not receive the above contact information prior to filing my complaint to the CFPB.  XXXX   XXXX ,   XXXX   is the first date I received contact information on   USAA.com.
Everything   listed above and performed by  XXXX   XXXX   XXXX  appears to have been done recently, after the derogatory credit reporting in  XXXX  and  XXXX . There are no dates listed above regarding the investigation and/or notification prior to my complaint with the CFPB. Again, derogatory information was submitted prior to me receiving any documentation or letters regarding the resolution of the fraud investigation.     I contacted  USAA more than twenty " 20 '' times ( prior to my CFPB complaint ) regarding this issue via telephone, USAA.com, and fax. Moreover, I specifically informed USAA tha t my cell phone, along with other things, had been stolen and personally gave you an alternate contact number.     Additionally, I was actually told in  XXXX  that this card was cancelled by a USAA representative and actual items on the card were disputed. Negative information should not have been reported to the credit bureaus if the credit card account was under investigation, and/or I was not aware of the results, and/or I was under the assumption that the card was cancelled.     Thank you.     email :  XXXX  XXXX  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 08/26/2015 about Credit card () with CITIBANK, N.A. (MD).
Issue: Rewards

Complaint: I have contacted Citi Cards multiple times in regard to a check they issued to an incorrect address. They have continually told me to follow up with them week after week. This has been going on since XXXX, it is now XXXX. They admitted they never updated my address in their system and were at fault ; however, they have not followed through in correcting their error. They advised it could take WEEKS to place a stop payment, which is ridiculous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX, 2017 XXXX, WI XXXX ( XXXX ) XXXX This company make a hard inquiry without my consent. I call the number XXXX to verify why my name a social has been used to make business. They say " we are allowed to make hard inquiry on future costumers '', so who gave you the permission to do it because so far my social security number, name and address are not located in a billboard?. So basically they do as the please and your score goes down 9 points.

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 12/15/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collection agency is calling for XXXX XXXX. I am not him. This is his sole debt. They are also calling my Mother. He is my ex husband. He is out on bond for XXXX charges of unlawful conduct on a child. I gave them his phone number, address, his parents address. They continue to call me and my Mother on her phone line. I asked them to stop calling me as did she request for the calls to us to cease. The calls continue to come.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay mortgage

Complaint: I do n't know where to start. We need assistance to figure out if we are still in modification or did the mortgage company sell our home without us being notified. We have several phone calls going back and forth with Wells Fargo. We did ask them 2 months ago if we need to worry about our house going on foreclosure list. Wells Fargo Rep said They checked our account and there are not any notices or red flags on our account to be worried about. Before that we explained to them we have a lost of wages, I was recently in a bus accident and I am not able to work. In XXXX I was put on XXXX  XXXX and I am not getting what I was making to make ends meet. Again, we did tell the rep at Wells Fargo ; they asked us to send information to start modification, So we did. Wells Fargo said they will work on it and again several phone calls back and forth to get paperwork, information and proof of our situation. We began to get notices from a company called XXXX XXXX  indicating that they are selling our home and will be sold on XXXX XXXX, and now we have to get out of home in 3 days, or be evicted in 90 days. We were never notified by Wells Fargo wether we got the modification or our house was sold or any communication that we are no longer home owners. PLEASE HELP US KEEP  OUR HOME. We love our home our kids grew up there we just need help and a little time to get back where we were at financially. Thank You I hope to hear from 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 explanation
Consumer complaint received 07/18/2017 about Mortgage (Conventional home mortgage) with Selene Finance LP (FL).
Issue: Trouble during payment process

Complaint: I missed one payment  XX/XX/XXXX . Then another in  XX/XX/XXXX . In XX/XX/XXXX  I applied for a loan modification after receipt of a " Notice of Intent to Accelerate '' from Selene Financial. Selene claimed to have not received this packet initially, so again in XX/XX/XXXX I resubmitted all documentation via e-mail and US Mail as instructed by the Mortgage Company. Each time I called, I was told some document was missing. They did this until all documents were stale dated. Once again, in  XX/XX/XXXX I resubmitted. This started a vicious cycle I was to familiar with from the last 2 applications. In  XX/XX/XXXX  Selene refused my payment. I sent it back to them. They returned the payment once again, thus making it look as though I did not pay. I contacted the Law Offices of   XXXX   XXXX   and hired the firm  XX/XX/XXXX . I had prepared a new loan modification packet ( # 4! ) to which my attorney submitted, under his firm 's name, and by golly this was approved! I started paying again in  XX/XX/XXXX , continually, in fact I am a month ahead on my account.
On  XX/XX/XXXX , my mother signed for a registered mail from Selene ( even though I am still represented technically ) which happened to be another Notice of Intent to Accelerate! I promptly called Selene, and was informed they can not speak to me because I am represented. I asked to speak to a supervisor and was switched to   XXXX   XXXX  , supervisor of the loan resolution department. He was not only unhelpful, he was RUDE.
I have spent {$3000.00} on my attorney to submit a packet I had done 4 different times. I have paid my mortgage on time, except for 2 times, XX/XX/XXXX  and  XX/XX/XXXX . This company is reprehensible! I consider this harassment at this point.
I wo n't even get into the credit damage this has caused!
What can I do about this? How do I stop this from happening non-stop for the next 30 years?!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Other

Complaint: I have a Citi Bank credit card that has been turned to an attorney for collections and a judgement has been issued against me and I am trying to short sale my house and the attorney handeling this account is not willing to issue a partial release or negotiate a settlement so my home can be sold opposed to being foreclosed upon. I was never served by the attorney or Citi Bank therefore I feel the judgement is invalid. I am asking for assistance in getting Citi to resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I consolidated several  FFEL Stafford unsubsidized/sunsidized/Federal Perkins lo ans taken out over 4 yea rs  XX/XX/XXXX - XX/XX/XXXX into an FFEL consolidated loan for {$27000.00} in  XX/XX/XXXX . For t he next approximately 18 years I was counseled by the loan servicing representatives to defer or forebear the payments with no counseling that the interest is still accruing. It was not until recently I pulled my credit and saw a loan balance of {$100000.00}. I have called and tried to work with them to understand how this happened and how I get it fixed. There is no responsibility being taken by the company that would call me every so often and say " do you want another deferment? '' and never explain this was a very irresponsible choice and educate me on the consequences of those easy yes answers I gave them over the years. I will not be able to pay this loan off in my lifetime. I do however have a family member willing to offer a cash settlement but I have been informed that I can not negotiate. Why? I have spoken to a lawyer and will pursue more options for legal action. We feel this is predatory lending among other types of consumer abuse. Filing this complaint was recommended by my counsel as a first step. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Old CFPB Case:XXXX Never Got Resolved.
I have completed all the steps which I was told to do by Citi Bank They have never issued {$300.00} Bonus to my account.

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 01-04-2017 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: Quicken Loans deliberately allowed my rate lock to expire so they would not have to honor their rate commitment to me, even though they verbally agreed to extend my rate lock.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed these medical bills they are fraudulent I have full coverage medical insurance from XXXX and before that my job gave me insurance .I have asked this company XXXX to give to me the original signed documents also i have ask the credit companies transunion for my signature on these documents, they have had months to show me the original documents they have not done it.I have this right. Or they need to take these off my credit report .this is a scam collection agency account resolution services they never provide original signed documents.

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 08-05-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech, LLC is the mortgage company that services my mortgage account and collects the funds for the escrow on my home. XXXX XXXX, XXXX, I received an Annual Escrow Account Disclosure Statement indicating an increase in my mortgage starting XXXX XXXX, XXXX. My mortgage is to increase from {$600.00} to {$760.00}. I was told by a Ditech phone representative this increase was due to an escrow shortage of {$3100.00}, as she presented this amount indicated on the escrow statement sent to me. I was told by the Ditech representative, at the company 's call center, that this shortage was a result of my XXXX property taxes of {$1400.00} and XXXX home insurance payments : XXXX- {$850.00} and XXXX XXXX {$910.00}. However, when these XXXX explanations add up to {$3100.00} and I paid {$120.00} in escrow payments for twelve months in XXXX. Therefore, my escrow payments for XXXX totaled {$1500.00}. Deducting my XXXX escrow payments from {$3100.00} will leave only {$1600.00} in shortage in my escrow account. I will need an explanation on why my escrow account has a shortage of {$3100.00} instead. This is {$1400.00} over anything indicated on my XXXX XXXX, XXXX Annual Escrow Account Disclosure Statement. The Ditech representative I spoke to on the phone could not provide an answer for the unexplained expenses. Furthermore, the representative said a supervisor would call me to provide an answer. I received no further communications on the matter. I need to know where these extra expenses are coming from or they must be removed from my account immediately and my mortgage monthly payments adjusted accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I ordered a textbook online advertised as the US version.  What I received was the much cheaper, and not useful to me, international version. I tried to return the item to the merchant, but they never responded. I then proceeded to dispute the charge with Capital One, but they failed to address the issue as required by federal law, state law, and the terms of use for the credit card itself. 

XXXX XXXX MerchandiseXXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX Purchased : Fri, XXXX XXXX, XXXX Posted : Mon, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Medical) with Credit Bureau of Columbia, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a collections notice on XXXX/XXXX/XXXX from Accounts Management Services ( AMS ) regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX " treatment non transport '' calls on my daughter that Medicaid wo n't cover. The bills were sent to an incorrect address until the accounts were listed for collection and then finally sent to my correct address. I asked if XXXX would retract the collection and they refused. 
The run for XXXX/XXXX/XXXX was AFTER my daughter reached the age of majority on XXXX/XXXX/XXXX. Because I was previously listed as responsible party, the bill is in my name. XXXX at AMS stated they could not remove that account until XXXX separated them. So basically, I can claim anyone as a responsible party and they can pay my bills? This is not right. I contacted XXXX and XXXX was very rude. I faxed both AMS and XXXX the court ordered parenting plan stating XXXX parents must split uninsured medical costs and AMS refuses to abide by the order. XXXX at XXXX stated she would attempt to remove the majority call from my name as my daughter would be legally responsible for that run and that she would attempt to bill my ex husband for his half of the debt. XXXX stated she would contact the collection agency regarding this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2016 about Debt collection (I do not know) with Grant & Weber (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Attn Grant & Weber : The last correspondence I sent your company on XXXX pertained to a demand for validation. In correspondence dated XXXX your company sent me a simple itemization along with a demand for payment. The itemization showed the debt is over 4 years old and past the statute of limitations. However your company failed to disclose that I can not be sued for this debt. 
This is a blatant violation of Fair Debt Collection Practices Act. Hence, I hereby declare my intent to bring suit against your company under your failure to disclose information required by FDCPA regulations

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 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A collections agency XXXX XXXX offered an resolution of debt authorized by client with a lump sum settlement of XXXX %. I paid this to protect my credit. Some time later another company Franklin Collections Services wants the remainder of the balance. I sent Franklin a copy of the settlement statement from EOS and proof of payment with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: MCA Mangement CO, is reporting a debt that is beyond the seven year statue and they refuse to remove it, this is not the first time this company had incorrecty reported information under my SSN, the also incorrectly reported a XXXX that allegedly occured in XXXX that was removed, these XXXX debts appeared on credit report at the same time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Re : XXXXXXXX XXXX XXXX ; {$120.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by 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 non-monetary relief
Consumer complaint received 12/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a freeze on my credit report which should help prevent identity thief, but Transunion continues to allow inquiries into report. I have put a freeze on my report and alerted Transunion of the identity theft, but their response is always negative. Recently, I requested the removal of inquiries that were n't authorized by me, but Transunion refuses to remove it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: ALL 3 CRA 's have not updated my balances for my XXXX account in months my balance is {$0.00} 's yet TRANSUNION XXXX AND XXXX  are still showing a balance of {$620.00}. XXXX has advised me to file a lawsuit against the 3 CRA 's because they have been doing the same thing to others with their updates also. AND PLEASE LET XXXX  KNOW MY CORRECT NAME IS XXXX XXXX XXXX not 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 03/22/2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Delinquent account

Complaint: Synchrony Bank ( formerly GE Capital Retail Bank ) persists in reporting a fabricated FCRA Compliance Date/Date of First Delinquency on my Lowe 's account. My attorney states that this is a blatant violation of the Fair Credit Reporting Act. 
As the attached history shows, my account became delinquent in early 2013 and I entered into an agreement to settle the outstanding debt in the summer of that year. The final contractual settlement payment was made in XX/XX/2013 at which time the outstanding debt was cancelled. Synchrony Bank has reported the FCRA Compliance Date/Date of First Delinquency to the credit bureaus as XX/XX/2013 or XX/XX/2013. Per attorney this is false and unlawful on its face because no delinquency or unpaid debt existed in those months ; all outstanding debt had been cancelled in XX/XX/2013 and could not have been delinquent in that month or the subsequent one. The first delinquency that should have been reported ( assuming the validity of the charge-off reporting here in the first place ) is the original delinquency leading to the settlement 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