milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Account opening, closing, or management

Complaint: I, XXXX XXXX, had an active account with USAA, which I had for several years with no problems. Approximately around XX/XX/XXXX-XX/XX/2015, I alerted USAA of fraudulent activity on my account. This was the result of me losing my bank card and it was being used in another state. I am a XXXX veteran with memory loss which I have to write pin numbers on the back of my cards to avoid forgetting. I personally advised USAA that monies was taken out and deposited into my account fraudulently. At this time XXXX of my children 's accounts were linked to mine. All XXXX accounts were frozen which caused a financial hardship on my household. After an investigation was completed, my children 's accounts were released but as for mine, I was advised that it was thought that I had knowledge of the fraudulent activities and was no longer allowed to have an account with USAA again. I do not agree with this decision considering I am the one that advised of the activities. I live in Alabama and the activities occurred in XXXX ( I believe ), how in XXXX world could I, would I partake in such a crime. I am a Veteran with morals and character of an upstanding citizen of the US. I respect whatever decision was made although I do n't not agree. I opened an account with XXXX XXXX XXXX XXXX which I ca n't utilize due to to a restriction from USAA. Please allow me access to a new account. thank you for your time and consideration

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We are in desperate need of help as our mortgage is pending a foreclosure sale and our bank will not help us. We purchased this home XXXX XXXX XXXX. We had done a refinance with XXXX XXXX XXXX of XXXX. We defaulted on that mortgage in XXXX of XXXX and the reason for hardship was due to our families including immediate family was in XXXX during the earthquake XXXX XXXX XXXX. We had to fly to XXXX and bring back our nieces and nephew after both my sisters were killed leaving the children orphans. Between the funeral costs, travel costs and taking in the XXXX children, we had no more savings left to pay the mortgage. We applied for a modification and had been approved for a trial modification which we completed and was approved for a step rate modification XXXX XXXX XXXX. The step rate schedule startedXXXX/XXXX/XXXX-XX/XX/XXXX with the rate 4.025 % ; XXXX at 5.025 % ; XXXX at 6.025 % ; XXXX at 7.025 % ; XXXX at 8 %. 
XXXX/XXXX/XXXX XXXX was hurt on the job after 18 years of employment and had to go on workers comp. We had applied for a temporary hardship due to this significant income reduction and was approved for a 2 year temporary modification on XXXX XXXX XXXX through XXXX/XXXX/XXXX reducing the interest rate to 1.025 %. After the two years were up, the payment would go back to the terms of the original modification as explained above. My workers comp was {$270.00} a week. We defaulted on this temporary modification XXXX XXXX XXXX after the workers comp had ended. I had been going to court over the XXXX until it was finally determined he was XXXX as of XXXX XXXX XXXX. The XXXX date I was entitled to benefits was XXXX XXXX but if you review the award letter I have attached, I did n't receive the retro pay or monthly payments until XXXX XXXX XXXX. So for 24 months, XXXX had no income other than the temporary XXXX which was less than {$XXXX} a month which barely covered the cost of parking for the hospitals after the XXXX. 
Since XXXX is now receiving permanent XXXX of {$XXXX} a month and XXXX 's income, we are making {$XXXX} a month in gross income and taking home {$XXXX} combined.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Data Card Services (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Submitted a BBB Complaint on  X/X/2017    for  Debt Validation  to  XXXX .  XXXX   XXXX   XXXX   XXXX  and was forwarded to the business the same day on  XXXX / XXXX /  XXXX  . The company did not respond until  X/XX/2017    and the company did not submit all information pursuant to my requests for debt validation. Including their license information allowing them the ability to collect within my state. Pursuant to the Fair Debt Collection practice s Act, 15 USC 1692g Sec. 809 ( b ), the  company can not report my account to credit reporting agencies until the debt validation is provided.   XXXX   XXXX  eported this account to   XXXX   and  XXXX  on  X/X/2017   . The company indicates to BBB that they report monthly and did not receive the BBB complaint until after they reported the account. Company did not provide proof of when they received the BBB complaint nor when they submitted their monthly reporting to credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: There is an account reporting on my credit report that i have requested to be deleted by the XXXX XXXX XXXX in which they agreed. I have attempted to get your bureau to remove them via phone, mail, and on the online dispute features ( XXXX ) with no luck. Please see attached creditor response.

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 04/16/2015 about Credit card () with Synovus Bank (FL).
Issue: Other

Complaint: First Progress Card is reporting late payments on my credit report that is damaging my credit. I have fraudulent transactions that I did not authorize which I filed disputed. It was found I was not responsible for this transactions and items were reverse. I would not have been responsible for making payment for this transaction while investigate was in process. Account was closed and paid in full with {$300.00} security deposit required to open account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced my home loan through XXXX XXXX XXXX on XXXX/XXXX/XXXX. Shortly after closing, the loan was sold to Nationstar. 

Nationstar must purchase these loans, but not assume responsibility for the legal closing documents associated with said loan. 

Per my original closing documents, handled by XXXX XXXX XXXX, my LTV was scheduled to reach XXXX % on XXXX/XXXX/XXXX, and as stated, gave me the right to request PMI cancellation. I reached out to Nationstar, only to be told that I must submit a signed document, enabling them to perform an appraisal ( at my expense ), before POSSIBLY cancelling the PMI. The cost of the appraisal was more than the PMI accrual between XXXX and XXXX %, so after sending a signed request to cancel PMI ( not the form they have on file, giving them permission to appraise property ), I decided not to pursue this further until I reached XXXX % LTV. 
According to this same closing document, I 've reached XXXX % LTV on XXXX/XXXX/XXXX. Upon speaking with Nationstar, they state I am only at XXXX %, but not eligible for automatic cancellation until I reach XXXX %. 
This directly conflicts with both my closing documentation, and the Homeowners Protection Act of XX/XX/XXXX, both stating automatic removal of PMI once reaching XXXX %. 

This is taking a considerable amount of my time, and I 'm not overly confident that Nationstar will comply with my request, stating they have a right to continue charging PMI until XXXX % LTV is reached. 

Your assistance is much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (I do not know) with FIRST NATIONAL BANK OF OMAHA (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received a phone call from an unknown number on XX/XX/XXXX saying that I was being served of a court order due to unpaid debt from XXXX in XX/XX/XXXX and that I need to call the number ASAP ( XXXX ) XXXX, however, I have never heard of this before or recevied any letter. They told me I need to pay the debt ASAP or I am being served to go to court. However, when I looked at court orders in XXXX or XXXX, I did not find a record. I call the next day to look into what I can do as a consumer, I asked for contact information and professional license number. They provided me with the contact information but not the professional license number as they said they will not provide this. Additionally, I asked if I can get a written description of what I owe, e.g., agreement of credit, information of the credit and what I owe and they said I will never get XXXX as they have bought the debt from another company. The company name is XXXX XXXX XXXXXXXX Contact Information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. Phone number : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Payoff process

Complaint: XXXX XXXX, XXXX XXXX customer Care XXXX Consumer Finance Protection Bureau Bank of America, XXXX Via : Website Complaint Submission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : account # XXXX XXXX XXXX XXXX To whom it may concern at Bank of America and the Consumer Finance Protection Bureau, Although I have written many letters about my dilemma, I will try to keep this recap short and to the point : 1. As with most Americans, I was severely impacted by the XX/XX/XXXX unprecedented financial crisis. 
2. My situation differs in that I took what I thought was the more honorable route. My debt relates to my former business, that I did not declare bankruptcy -- in other words, I did not " use the system ''. Who thought we would be in a long-term crisis? My business faulted when XXXX XXXX, owned by the XXXX XXXX XXXX did not pay their bills for product DELIVERED. This was just before the crisis hit! 
3. Much of my business expenses were charged to this card. If you look at the former credit limit, and money used against that credit limit, and on time payables, you will see that I was never a credit risk. 
4. During this period since XXXX this BOA account has been transferred from XXXX collection agency to another, so much so that I have lost track of who to submit payment : XXXX .... 
5. Recently I received demanding phone calls from another agency, name unknown, demanding payment without any written support. When I stated I would only submit payment when I received something official I was told, " You will be listed as uncooperative. '' I have amicably settled bills with XXXX and other credit agencies through these years- not BoA. Where are my rights? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Customer Service Rept. from Wells Fargo Home Mortgage called and wanted to know why I had filed a complaint against them " Why I DID That '' I attempted to explain to him but his voice kept getting louder and louder. I remained calm and told him I was dissatisfied with the detailed message they had left on my home answering machine. He seem very upset that I had filed a c/o. His tone & loudness of his voice was very frighting, I was afraid to answer the phone when I had next call fearing it may be him calling me back to harrass me

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 07/20/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt owed to XXXX of {$110.00} was paid in full to XXXX XXXX. Prior to payment of debt directly to XXXX, debt had been sold to Diversified Consultants. XXXX updated with Diversified Consultants that debt had been paid. I disputed with XXXX to have Diversified Consultants account deleted from credit report XXXX and XXXX. I spoke with Diversified Consultants XX/XX/XXXX to inquire why the account had not been removed. Diversified Consultants stated that though account was paid in full directly to XXXX and that account had been given back to XXXX that they had to have authorization from XXXX to remove from credit report and for me to speak with XXXX. I called XXXX and was told that CSR from Diversified Consultant was misleading and that account should have been removed from my credit report and as I am good standing that there is nothing on XXXX 's end that would prevent Diversified Consultants from removing the account from my credit report. I again called Diversified Consultants and told by another CSR that though debt is paid in full to original creditor that Diversified Consultants do not/ will not delete paid accounts and for me to consult a " credit expert ''.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have a security freeze placed on my credit reports with all XXXX credit reporting agencies. When I need to thaw my credit reports I can go to the website of the agency, and using my personal information and a PIN that is assigned to me by that agency, I can temporarily unfreeze my credit so I can apply for credit when I need it. This has worked fine for me until the last XXXX times that I have tried to thaw my credit ( starting in XXXX 2015 ). Now XXXX of the agencies, Experian, will not allow me to thaw my credit online or through their automated phone system. They are requiring me to send to them via US Mail, copies of my driver license, Social Security Card and a current utility bill. This has turned the process of thawing my credit from a simple XXXX minute exercise into a seven day wait and a major inconvenience. I have been unable to contact anyone at Experian to help me resolve this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (HI).
Issue: Privacy

Complaint: When I submitted request for card I was not immediatly offered to Opt out of solicitations, surveys, thisrd party notifications and other distribution of my personal info. After I received my card, I received Opt out letter and called in XXXX times as I kept getting e-mails. Called tonight as I received " Survey '' This iscourge of corporate america privacy. If you contact them they sen nd you survey. I told them do not send me surveys, Solicitations by phone, e-mail or mail. I just want a bill/statement NOTHING else. # x they toldOK '' they ca n't do it. They say XXXX days to stop. Why could I not have opted out on approval without delay??? I asked for Resoulution spelist or Executive dept and was tol " NO '' not possable by XXXX # XXXX in XXXX XXXX XXXX XXXX/XXXX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have asked XXXX for an invoice several times now and the company says they can not provide one to me. The debit is from 2013 I do not remember having an account with XXXX during that time. I know during that time someone stole my identity and I did place and social security alert and froze my accounts and changed bank accounts. Perhaps this was the left over result of that, I do not know if I do owe then I need to know why I owe {$280.00}, if I for some reason I do owe.

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 11/28/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: Billing disputes

Complaint: Received a Statement saying Account is 1 Month Past due. Minimum Payment of {$210.00} due XXXX/XXXX/XXXX. Called the Customer service which recorded and Gentleman said no Error on account and that there was no late payments and the Balance was no what stated and No changes have been made. He said he would make a note that there was issue with Account. Then I received a letter after discussing such issue the Company had cut my account to where my Credit Limit was below what Balance of card was. When talked to Company today XXXX/XXXX/XXXX XXXX pm the customer service said I had to late payments when I provided the on time payments with reference number. Stating only XXXX. I was 4 days late but paid first late payment. They said that the credit was reduced due to my Credit Score. Which is in question because when I questioned the Customer service why they doubled my Minimum payment that same day the Reduced my Credit Limit to new Balance. I have documents. When asked talk to a Supervisor over issue the said no one could help and would have call me back. With a long time history with on time payment with just few past couple days have had No past due accounts not paid. Question why they tried to double my payment when we pay more than the minimum each month. Also why did sudden change happen after such conversation of why citi asking for more than the Minimum. Two documents show usual payment of {$81.00} to {$200.00} in one month when payment ontime. And they cut my credit limit due to asking this.

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 04/21/2017 about Debt collection (I do not know) with CFS2 Inc. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Hi,   XXXX   XXXX  fro m CFS2 called  my employer attempting to locate me and was rude and threatening to the person who answered the phone. When they asked for his name and number, he hatefully replied with his name and told them they could look on the caller ID to get his number. He then proceeded to tell my employer that " I would know what this is about ''. My employer came to me to ask if everything was ok and told me to handle my business. My fellow co-workers now know that I am having financial trouble and have bill   collectors after me.
The nice la  dy that answered the phone also sent me an email that reads : "  XXXX , You received a phone call from a gentleman ( not a nice person at a ll ).       XXXX   XXXX , from  CFS2, te l :  XXXX   CFS2 h elps consumers achieve financial recover This was definitely not a new business call. '' Can you please make sure this company does not harass other people at their jobs?     Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hi, This debt is over 15 years old and they keep selling the debt to other companies and those companies are re-packaging the debt and they are reporting it negatively every month to the credit bureaus.

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 05-12-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: MY IDENTITY WAS STOLEN SO A FRAUD ALERT WAS PLACED ON MY CREDIT. I AM NO LONGER ABLE TO OBTAIN A CREDIT BECAUSE THE TELEPHONE NUMBER ON THE ALERT FILE IS WRONG SO THE CREDITORS ARE UNABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED TO CORRECT THE WRONG INFORMATION BUT WAS UNSUCCESSFUL.

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 05/19/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CO).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX at XXXX XXXX MST, I contacted Ally Bank, to change the due date of my car payment to XX/XX/XXXX I spoke to a rep for 17 mins 18 sec. I explained why I needed my due date changed. The rep told me that if I paid {$20.00} by the XX/XX/XXXX that my car payment would not be due until XX/XX/XXXX and I could then set the auto pay for the XXXX of every month to start XX/XX/XXXX. I asked the rep, what about XX/XX/XXXX payment and she stated that my XX/XX/XXXX payment would not be due until XX/XX/XXXX.. I made the payment and it cleared my account XX/XX/XXXX. I tried to go into the system to set my auto payment and the system would not allow it. I called onXX/XX/XXXXat XXXX XXXX. The call lasted for 60 mins and 19 sec. I informed Ally that the system would not allow me to set up auto pay. I was informed that I still owed XX/XX/XXXX payment. I explained what I was told and they stated that I still knewXX/XX/XXXX payment was due. I told them that I was not aware, because the rep told me it was n't due until XX/XX/XXXX. I was transferred to a manager who told me the same thing and still tried to collect the payment. I told that my payment due date would not be extended until I made the payment for XX/XX/XXXX. I told them it was not fair and I no longer had the money because I took the advice of their rep. I told both the rep and the manager that I was going to file my complaint and I was transferred to a third person who said they needed to investigate my claim by listening to the recording and if they found out I was telling the truth, she would help me with my options. She asked that I give her til Tuesday the XXXX before contacting CFPB. It is now Friday the XXXX. I tried to contact Ally on Tuesday the XXXX by phone at XXXX XXXX and by their online email Thursday the XXXX at XXXX XXXX. I still have not gotten any help and the still have not updated my car payment due date and my car payment is late and I would imagine collected late fees. It is not fair to me that I get penalized, when I was directed by their rep. Who either have the wrong info or was not clear when I asked her the questions about my payments.

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