milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-05-2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: USAA has limited, basically blocked my access to their institution because of a credit card charge off, due to a divorce. I have many other accounts with them however I can not access all features of them due to this XXXX charge off. I pay my bills on time and the only negative thing is this credit card. I have since closed my checking and savings accounts with them, but have maintained all insurances with them. I have called USAA multiple times trying to access my information and they have refused to help me in this. Their only excuse is because of I have a credit card in bad standing with them, they have blocked my online and mobile access, and it is not possible to reinstate it until the credit card is back in good standing. This is humiliating, and a punishment from a bank. Absolutely ridiculous treatment to their military/veteran customers. We sacrifice and they discriminate. How is this even legal to do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Granted XXXX modification by Wells Fargo/ASC in XXXX of 2014. I was approved for the XXXX XXXX XXXX modification, but the documentation does not show XXXX XXXX XXXX calculation which might involve some forgiveness and lower the principal. Made XXXX trial payments plus XXXX more so far. Now they are telling me that it may not be finalized because XXXX XXXX XXXX Bank will not subordinate the home equity line. XXXX XXXX XXXX claims their interest is not covered because of the property value. I have convinced them to do a new appraisal, because property values are increasing not decreasing per their data. Wells Fargo has put a XXXX XXXX deadline on resolving the subordination. 
Wells Fargo Loan XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Account opening, closing, or management

Complaint: I received an offer from Citibank to open a checking account. This offer gave ThankYou XXXX points or XXXX miles based on meeting certain criteria. The criteria was that I open the checking account by XXXX/XXXX/2015, then within 60 days after account opening, I would have to make one bill payment each month for two consecutive calendar months. The account ( s ) must remain in Good standing. The points would be awarded within 90 days after completing those requirements. I have met all of the requirements. In addition, I have called Citi Customer Service seven times since making the requirement. I have spoken to three supervisors and one manager that returned my call. Each of the VERIFIED that I am eligible and I have met all requirements and that I would receive my XXXX points on XXXX XXXX, 2015. I called Citi on XXXX XXXX and was advised that I was not eligible for the points after meeting all requirements, seven phone calls, and $ 30 monthly fee 's ( {$90.00} total ). 
If at any time I was not eligible for this program, I should have been advised instead of the deceit and possible Fraud committed by Citi since they continued to bill {$30.00} in monthly fees.

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 06/28/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I had a loan for XXXX which interest will XXXX so i pay XXXX off t loan and they still saying I owe them XXXX plus interest wich is 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 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: i refinanced my home on XX/XX/XXXX with XXXX XXXX XXXX ( XXXX ) in the amount of XXXX dollars. XXXX did not payoff and satisfy the XXXX XXXX as stipulated in the Promissory note recorded by XXXX on XX/XX/XXXX. XXXX has been falsely reporting to the 3 primary credit reporting agencies ( XXXX, XXXX, and Equifax. ) XXXX has been claiming I have 2 loans with their bank since day one and I am presently indebted to XXXX in the amount totaling XXXX dollars. XXXX has been reporting my mortgage loan erroneously by variously titling my single transaction as a Real Estate- Jr. Lien/ Non Purchase Money loan while simultaneously retiling the same transaction as Installment Account Open, On XX/XX/XXXX XXXX and their attorneys XXXX XXXX XXXX XXXX , XXXX XXXX XXXX refused to pay XXXX the outstanding balance and proceeded to demand XXXX to " charge it off to me and release the satisfaction statement to XXXX. XXXX has exaggerated my indebtedness and has caused irreparable harm to my credit worthiness. I disputed with the 3 primary credit bureaus? ( XXXX, XXXX, and Equifax ) I also asked XXXX to correct errors and they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX - XXXX : Unverified 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 explanation
Consumer complaint received 01/27/2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a private student loan that is serviced by XXXX. In the past, I have been able to pay by bank transfer through the website with no fee. The site now ( effective XXXX XXXX, 2016, according to the front page ) imposes a {$1.00} for bank transfer payments that are not made through their autopay system. Servicers should not be permitted to unilaterally impose fees on existing payment methods or to change the terms on which borrowers have been paying.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with KEYCORP (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a account that is over 90 days never been overdrawn but made Mobile deposit it does not state its going to be weeks for funds to be available I would say for a XXXX check from a rental company at least 24 to 48 hours but it should state that when making a mobile deposit I mobile deposit on XXXX XXXX in the afternoon I figured it would be available on XXXX XXXX or at least by the XXXX The money is still being held today is XXXX XXXX I tried talking with them and been told in the beginning that my branch placed ahold on it call my branch to get it removed I did go to my branch and basically treated like I was not intelligent and they dont have to do nothing I tried again through the XXXX XXXX number this is Key bank today I tried to get my funds again the Bank which the company uses stated that the check had been cleared on XXXX XXXX during my conversation today with Key bank Supervisor I was told it was fraud that placed a freeze on my deposit I now know why I was treated like a thief which I dont know how to do or ever would I am a single parent and do need my money to buy groceries and keep my electricity from being disconnected Definitely Extremely Hurt and Disappointed at Key Bank

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing/Cancelling account

Complaint: In XXXX 2015, my account with Capital One had a fraud alert put in place due to a returned payment that overdrafted the account. I contacted them to clarify there was no fraud and they advised they could not remove the flag so I instructed them to close the account. I explained that since it was a secured account and I had no outstanding balance I wanted my deposit returned and the account closed. They advised they could n't do that either because of the fraud flag. They refused to even update my address because no one was able to remove the flag. In XX/XX/XXXX I began working with the client resolution center and eventually in XX/XX/XXXX, received a refund after numerous calls and the account was supposedly closed. 
Today I received an alert to log into my account and noticed that it not only is still not closed as I requested, but an annual and late payment fee have been assessed. When I called in I got the same run around about how nothing can be updated because of the flag. I do not want to risk late payment information reporting to the credit bureaus for an account that should have been closed months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Back in 2003 I, XXXX XXXX XXXX, was the victim of Identity Theft. I filed a police report. I learned that ASSET ACCEPTANCE , LLC bought a debt from XXXX, and placed a lien on property. 

I ask that you help me get the judgment lien released. Its XXXX XXXX XXXX number XXXX, judgement lien number XXXX. I read on the FTC 's site about a lawsuit invovling Asset Acceptance, but have not been able to get a meaningful response from Asset Acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: NEW INFORMATION - XXXX XXXX XXXX, XX/XX/XXXX - {$81.00}, XX/XX/XXXX - {$81.00},XX/XX/XXXX - {$81.00}, XX/XX/XXXX - XXXX. 

This information has not been submitted, and shows a Payment Plan in place between 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 01/23/2018 about Debt collection (Medical debt) with Alorica Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This company holds a collection that I need deleted from my credit to obtain a mortgage. I was never notified that I owed the debt. I called to settle the account and have it deleted from my credit report and they are refusing to delete. They keep saying " it 's unethical '' and " you should have paid your bills. '' I have called numerous times and they just laugh in my face. All I want is to pay this old medical bill and move on with my life. I can see by previous reviews to the BBB that they delete but they are refusing for me. Why should I have to have this weighing down my credit score if I 'm willing to pay. I did n't even know I had the debt until I tried to get my mortgage and they told me to call and pay it and have it deleted.

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 07-04-2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Other fee

Complaint: I have had a credit card that has been transferred through different banks as they were bought out. I have had this card for nearly 20 years. It has a variable interest rate tied to the prime rate with no annual fees. Chase now has my account. When they bought out the account they tried to add an annual fee. I said no and they agreed. Now they want to add a {$98.00} annual fee. I tried talking to them, but they said that due to the fact that the interest rate on this card is so low that they need to add an annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (OR).
Issue: Problems when you are unable to pay

Complaint: It started with the need to get help for my cat who was XXXX. So I headed to the Vets Because I 'm on a fixed income, ( a non-service related XXXX pension ) and have been struggling financially for some time now, I simply did not have the finances to cover the {$72.00} fee to give my cat the needed medical attention. When it was suggested that I open an account with " CareCredit/Synchrony Bank '' to help her, I felt I had little choice. It was either that or let my cat continue to suffer. At the time I was not much concerned with any of the fine print or policies of CareCredit, I was stressed out enough just having to deal with relieving my cat 's suffering. 
I 'm XXXX and barely surviving on the small stipend the XXXX. pays me, so when I received CareCredits first bill stipulating that I pay {$25.00} a month until I pay it off, I immediately called them, and pleaded with the representative that I was already struggling just to survive, and would it be possible if they could be a little flexible with me by allowing me to pay them XXXX or XXXX dollars a month until I pay off the {$72.00}. They said absolutely not! and they stated that for every month I did n't make the {$25.00} payment I would see an increase of {$35.00}. 
Well as of today after missing five months of payments on my bill it has risen to {$220.00}. They have now turned the issue over to " XXXX '', an aggressive collection agency. I 've tried my best to reason with all concerned parties, but to no avail. And they are no longer interested in the XXXX dollars they want the whole {$220.00}. Anyway, any help would be most appreciated. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2017 about Mortgage (Conventional home mortgage) with Aspen Yo LLC (PA).
Issue: Trouble during payment process

Complaint: this complaint shall follow complaint number XXXX XXXX XXXX sold the servicing to XXXX XXXX on and about XXXX according to XXXX XXXX the escrows were never transfered which put the account in a deficite and increased the mortgage balance up {$22000.00} + made several attempts to resolve the escrow dispute. i was told by them that it was my responsibility to make sure that the escrows were transferred from XXXX XXXX to XXXX XXXX that caused the mess that i/we are in currently. facing foreclosure, please if possible stop that action as i currently have refinance in place to take out XXXX XXXX however, the payoff is the dispute, if you could help me drill down the exact figures required to pay off XXXX XXXX because of all the past problems. <P/>made several attempt to bring mortgage up to date and they refused the money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (AL).
Issue: Problem with fraud alerts or security freezes

Complaint: I was a victim of Identity Theft this summer. I thought it was over in XX/XX/XXXX when the person went to jail and pled guilty. I had fraud alerts placed on my credit report and followed all recommended steps. However, Ive had XXXX new inquiries go through onto my credit report since Then. I DO NOT understand the point of having companies to protect us after going through XXXX from the first Identity thief, just for the companies to not do their job and allow another thief to mess up my credit. Not just once, but four times!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/16/2015 about Debt collection (Payday loan) with Green Trust Cash, LLC (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had taken out a pay day loan with this lender for {$300.00} plus {$90.00} for interest. I have been paying on this loan since XXXX. I was contacted by XXXX doc, who has been working as my mediator to collect a lower payment. Meanwhile, this lender has contacted me at work and threatened to contact my payroll department and threatened to have me arrested. They continue to call my cell phone number and send me threatening emails.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I received my monthly mortgage invoice for XX/XX/XXXX, which included a note stating that my monthly payment will increase from {$860.00} to {$2200.00} effective XX/XX/XXXX. It also stated a loan maturity date of XXXX XXXX. I have a variable interest loan which is currently set at 2.375 % until XX/XX/XXXX, also noted on the monthly invoice. I called my mortgage provider, OCWEN, to get an amortization schedule so that I could know what portion of my monthly payment is being applied to principal and what portion towards interest. I spoke with XXXX customer service representatives and neither could tell me this information and they both said that my file does n't have an amortization schedule. They explained that I would learn of the principal/interest application when I received my XXXX bill, but that I would not get an amortization schedule. I knew that my loan payment would convert into a principal/interest payment at this time, but the monthly payment is significantly higher than a 30-year loan with an interest rate of 2.375 %. At the very least I would like an explanation, which I am not getting either.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Medical) with R.M. Galicia, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine and I have disputed this several times. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Late fee

Complaint: Paid my bill on time but was charged XXXX late payment fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I started keeping a log of phone calls on XXXX XXXX, 2015 and this company ( Midland Credit XXXX ) has called XXXX time up to XXXX XXXX. Calling repeatedly starting as early XXXX. Calling repeatedly within an hours time. When you answer the phone they do not always speak. They have repeatedly been asked not to call and also written notice when they sent a collection letter as the debit is over 13 years old and was paid in a debit consolidation over 8 years ago. When they have called while I was at work others who have answered also requested them not to call. I do have the dates and times called and wish them to stop calling. They continue and I need assistance with this please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a bill in the mail for a medical debt. this debit was paid. I sent a letter to the collection agency to send me a itemized bill with all the breakdowns of this debt. I sent a letter back within 5 days of receiving the bill asking for all the medical proceeders that were done. I never heard from the collection agency. it has been 90 days from receiving. now on my credit account it shows up as a open collection. just on XXXX and not on XXXX. what I would like is to have your complaint department to look in to this and if you can have it removed from my credit account. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is listing a credit collection account ( XXXX XXXX - Acct # XXXX ) that does not belong to me. I have previously filed an investigation with Experian explaining to them that this collection account does not belong to me. Experian sent me a response and said that they verified it does belong to me and I would need to contact XXXX XXXX directly if I disagreed with their decision. So I wrote XXXX XXXX a letter and told them they were listing a collection account that does not belong to me. I asked XXXX XXXX to either validate this alleged collection debt or delete it from my credit reports. I sent the letter over 30 days ago and I have not received any response from XXXX XXXX. Since XXXX XXXX can not validate this alleged debt, Experian needs to delete it from my credit report.

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 03/14/2017 about Student loan (Federal student loan servicing) with Performant Financial Corporation (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I paid my student loans on time and in full for over a decade using the payment booklets provided to me my ACS. XXXX years pass and now Performant Recovery collection agency is going after my wages without providing me account verification or other options.

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