milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2016 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (SC).
Issue: Application, originator, mortgage broker

Complaint: My husband and I are super eager to get started on buying a home. We have herd a lot of great things from Veterans United so we wanted to get started immediately, however I just got off the phone with XXXX XXXX located in XXXX, Sc I believe. As we were speaking everything was going smoothly. I was ready to get the ball rolling. 

I was giving him my information as well as my husbands. When asked for my social security number, I was not in my office so I had to put him on hold to get my card from my handbag. He was on hold for no longer than 30 seconds. When I returned to the phone, he took my social security number and put it in the system. 

My social is newly issued since I have recently been able to adjust my status in the United States. 

XXXX 's entire demeanor towards me changed after giving him my number and his tone was very accusatory as he continued to ask me " okay ... where did you get this social? " ; that to me was already offensive as obviously the only place to legally " get a social '' is with the Social Security XXXX. I replied and said the Social Security XXXX of course. He then said " Okay, well it took you a while to go get your social '' I took that, along with his tone as a way of cornering me assuming I acquired my ss illegally, so at this point I felt attacked and discriminated. He continues to be-little me and say I have the wrong social since it 's not in the system and suggested that I did not give him the correct numbers. I told him he was offending me and he said " I 'm not trying to offend you '' yet his matter-of-fact, arrogant tone was loud and clear. 

I no longer wanted to continue to work with him and told him to eliminate all the information that was given to him as I did not feel comfortable proceeding with the conversation since buying a home is our biggest purchase I do not want to settle for this type of derogatory treatment. He should be honored my husband put his life on the line for XXXX to have the freedom he has now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I opened a promotional credit c ard with USAA in   XXXX . I made a couple purchases totaling  XXXX  in addition to the promotional transfers. Their credit card terms state o n page 14 section d that any payment above the minimum payment will be applied to the balance with the hi ghest APR. In  XXXX  I paid almost  XXXX  and they applied the excess to the lowest APR and charged interest on the highest APR. I called 4 times and was bounced around, lied to, deceived and told that I was wrong until I spoke to a third level manager who admitted i was right and waived the fee plus calculated what needed to be paid in  XXXX  to stop the interest at  XXXX . In  XXXX  I paid almost  XXXX  and again it was applied in the same manor and I was charged interest. I called ag ain and again got the run around. This time the third level manager could not have cared less. USAA ad vertises caring and customer service and I got the exact opposite. As a  XXXX  vet I expected more from a company that says they will take care you those who served. Instead they word rather jerk me around lie deceive and steal from me. It 's not about the money it 's about the honor integrity and morals of a company. It is clear that  USAA has none of these. We have multiple accounts across our family and we will be closing all of them. USAA will lose at least 6 custo mers for the  XXXX  that they stole from me. Does not seem worth it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of 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 11-02-2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: PennyMac Loan Services LLC incorrectly calculated my mortgage payment last year to not include property tax. When they recalculated for this year they realized their error and added on my property tax bill from last year and the one for this year, causing my payment to almost double. I called them and they agreed I was diligent about sending them my tax bill as soon as I received it and paying my bill on time. The best they could do was disperse the old tax bill across payments but this still has caused my mortgage payment to increase almost {$300.00} more a month than last year 's monthly payments. They sent me a letter saying they would look into making this payment smaller yet but that they needed to talk to me in person and told me to call a woman name XXXX XXXX, Priority Complaint Specialist. I have called and left a message on this woman 's machine 4 times. I have never been able to get a hold of her. She has only attempted to call me one time at the beginning of XXXX and it was during my work day. I have since called her back, during work hours, 4 more times and left messages with my name, loan number, complaint number, and telephone. She has yet to return any of these. This has been left unresolved for so long that I 've had to make the almost {$300.00} more a month higher payment which has obviously been a tremendous burden on my budget. This company has messed up my loan, literally the biggest investment in my life, that I have very little confidence in their ability to remedy this problem and in their ability to not create another issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
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: My old/ previous student loans are being reported on my credit report twice as derogatory accounts. Same accounts are reported by XXXX XXXX and then again by XXXX XXXX XXXX XXXX. All of my student loans were refinanced and consolidated into 1 loan in XX/XX/XXXX, but yet my credit report is showing that I am in default with a balance of {$32.00}. Prior to me refinancing my loan it was in forbearance, prior to my loan being in forbearance I was enrolled in automatic payment which saved me .25 % in the interest rate. I spoke to a customer service rep that assured me that once the loan was out of forbearance the automatic payments would simply continue and I would n't have to do anything. Somehow my loan was transferred from XXXX XXXX to XXXX XXXX and then from XXXX XXXX to XXXX XXXX XXXX XXXX. I never received a notice of this transfer or any changes until I received a transferred call from my supervisor at work. I immediately refinanced the loan after in XX/XX/XXXX. I am now informed that the call made to my supervisor informing him of my student loan being in default was illegal and violated quite a few laws and I will most likely be pursuing legal action. Either way there should n't have never been any negative reporting on my credit and most certainly not after the XX/XX/XXXX refinance because my loan has remained in auto payment with XXXX XXXX and remained in auto pay even after the current loan was transferred to 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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I tried disputing these Items through XXXX and Trans Union and they still wo n't remove or update.

.Creditor Acct. # Standing Status XXXX XXXX -paid in Full XXXX XXXX XXXX - Paid in full even before they put on my credit XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX- Paid in Full XXXX XXXX XXXX XXXX -Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX XXXX XXXX XXXX Paid in Full XXXX  removed all of these since they are all paid in Full Trans Union removed all except 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 10-05-2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXX XXXX days past due as of XX/XX/XXXXXXXX days past due as of XX/XX/XXXX Charge Off as of XX/XX/XXXX to XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Other debt) with ASTA FUNDING INC. (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Received letter at a family members address from XXXX district court about a court case started in XX/XX/XXXX. The letter was a change in attorney. The plaintiff is Pallisades Collections. The defendant is a business i dissolved inXX/XX/XXXX. I have not received any detail about the bill to verify it is still owed. It is XXXX. Anything beyond six years is uncollectable. The statute of limitations is 6 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Nation star mortgage does not own my mortgage nor have ever owned my mortgage. The court has acknowledged this however they report the credit agencies as if I owe them money. Only after I complained to XXXX did nation star stop reporting and marked my file as frocluser process started. Nation star had zero authority to ever report to the credit bureau and I demand nation star delete this account from my credit history all together as nation star routinely does with other borrowers where nation star has no interest.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: Citibank was alerted XX/XX/2015 and XX/XX/2015 that they had failed to properly post information on my credit reports. The misreporting showed me serious delinquent for 5 years instead of the account being charged off and no longer past due. Including the fact that it never properly stated the date of last payment. 
After being notified, my XXXX credit report was amended to properly show the date of last payment, no longer delinquent and the charge off. 
However, my XXXX and my XXXX were never amended and I continue 6 months later to be showing as serious delinquency. 
For intentional violations of the FDCPA for 6 months after being properly notified Citibank should be fined {$1000.00} at minimum. They had a duty after being informed to properly respond, not partially. 
If they choose not to amend the records AND pay a fine to me then I will start a small claims filing for the amounts due under Federal Law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with SELECT PORTFOLIO SERVICING, INC. (NJ).
Issue: Problem with customer service

Complaint: The homeowner 's house was damage as a result of the storm.
Her insurance Company came to appraised the damage and sent the check to SPS Mortgage Servicing Company on XX/XX/XXXX
The Homeowner hired a contractor to do the work and papers was filed with SPS by the contractor. The contractor was later dismissed because he was not certified and did not have the proper license. He did not do any work on the house.
The homeowner then hired a second contractor who was certified and licensed and the papers were filed with SPS.
SPS then required contractor # 1 to sign a paper stating that he is no longer the contractor on the job. He did not sign the paper nor will he cooperate with SPS.
The policy of SPS is when this situation occurs they will call the contractor 3 times once per week in the event the contractor does not respond they will forward the insurance check to the homeowner.
SPS has had the check in excess of {$7000.00} since XX/XX/XXXX. SPS made the first call to the contractor on XX/XX/XXXXand none after. On XX/XX/XXXXSPS stated that they did not make the second and third call to the contractor and therefore we have to start all over again. Everytime it rains the homeowner 's house is damage as a result.
This is a hardship to the homeowner because SPS has had the check sinceXX/XX/XXXX and is intentionally withholding the money from the homeowner so that she can complete the work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Debt collection (Credit card) with Daniels Norelli Scully & Cecere, P.C. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Daniels Norelli Scully & Cecere contacted my mother at her plce of employment and told her of my debt which she has nothing at all to do with. They threatened to garnish her pay and the said she was lying that she was really me. Then XXXX XXXX threatened to send the marshall to get me. hey took the money from a joint checking account that I have with my mother. They violated my rights under the fair credit act. They gave false information to the courts. I was making payments on this account. They never responded to any letters that I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I do not have an account with XXXX XXXX. I reached out to them and they mentioned that there is no account in my name with them or even under this account number. When I dispute this with the credit bureau 's it is still showing up on my report yet it is erroneous. This needs to be deleted as soon as possible. Due to this erroneous reporting, I have been denied credit and I am in the process of purchasing a home. I wrote XXXX XXXX and they mentioned that this is not their address and that this account does n't even exist in their records, yet it is showing up on my XXXX, XXXX and Equifax report. Please DELETE this. This is reporting incorrectly and is against the FCRA reporting responsibilities. The account number is XXXX. Please see attached, for I have circled the account that is showing up on my XXXX, Equifax and XXXX Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Vehicle loan or lease (Loan) with Skopos Financial, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Account with Skopos Financial was closed as of XX/XX/XXXX. Loan was never late or reported late until loan was paid in full. Received 30/60/90 late to all 3 credit bureaus as of XX/XX/XXXX. Spoke with several employees, who were unwilling to help or care. Submitted a complaint with the BBB then finally Skopos contacted me and resolved the issue with all 3 credit bureaus. Well as of XX/XX/XXXX, the same 30/60/90 late are reported again. Once again contacted Skopos ... XXXX who stated she could not give me her last name or her supervisor said they had not reported anything. They have, to XXXX and XXXX. Please will someone look into this company as a whole, not just for me but for other consumers. Read some of the horror stories. They are the worst financial institution I 've ever had to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Transworld systems Inc. Is reporting on my XXXX credit report and I have no knowledge of this item. I never received the notice of the right to dispute from. the company and this item needs to be removed from my XXXX credit report immediately. This same company was duplicating reporting XXXX accounts. XXXX account was removed yet this debt was never validated and I did n't receive proper notices.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS Loan # XXXXBorrower : XXXX XXXX XXXXProperty Address : XXXX CA XXXXShort Sale Package was submitted XXXX/XXXX/2015. The foreclosure date is set for XXXX/XXXX/2015. SPS is refusing to evaluate the borrower for a short sale or even postpone the foreclosure sale date. Why did it take 15 days for SPS to make the NEW determination that they were not going to work on the file? 

We request that all of the servicing notes on this file be pulled by the CFPB and examined not only for federal compliance, but also for California Homeowner 's Bill of Rights compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Fraud or scam

Complaint: We sent money through MoneyGram. I was told that this was a secure way of transferring money because it required them to have a photo id along with the reference number. It says this on the website and this was confirmed at the store. However, this was not the case they picked it up without me ever sending a reference number. I called and spoke with MoneyGram and told there was nothing they could do. I asked to speak with a supervisor who basically said I was out my money and all he could do was file a report. He was then very rude saying that he would just sit there on the line until I either hung up or said yes to the report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with JPMORGAN CHASE & CO. (IL).
Issue: Closing/Cancelling account

Complaint: On XX/XX/2017, an individual other than me - and XXXX without the authority to enact changes on my account - was able to walk into a local Chase bank branch and close an account that only I am authorized on, which the personal banker with whom that individual spoke confirmed to the credit card department that I was requesting closure of the account in question. 

I was made aware of the situation the very next day when, after logging into the account online, was notified the account had been closed without my knowledge. I have since requested restitution for this breach of the agreement that I signed with Chase as well as the breach in security and violation of federal regulations concerning Customer Identification Procedures and XXXX provisions. Apart from the immediate impact, I am very concerned about the lasting effects on my personal credit and security. 

To date, Chase bank 's response was that it is an internal problem and they would be happy to reopen the account. This is unacceptable due to the concerns outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Bank of America Home Loans reports to   XXXX   a status of my home equity loan account starting with  XXXX **** as " Current ; Paid or Paying as Agreed ''. This is incorrect. The last payment on the said account was made in  XXXX  2010. The account became late in   XXXX    2010 and was never again current. I disputed with  XXXX , but the account was verified as accurate. Please see attached a copy of the 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