milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2018 about Debt collection (Auto debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: USAA Banking Auto Loan Department keeps sending Collection and Late notices for XXXX XXXX XXXX which USAA totaled on XX/XX/XXXX. 

USAA sent Repro Agent by our Home on XX/XX/XXXX to collect the XXXX XXXX XXXX which was still at the Repair Shop XXXX XXXX XXXX XXXX. 

USAA totaled the XXXX XXXX XXXX on XX/XX/XXXX per their letter and has been sending Customer threatening letter regarding collection and repossession even after USAA totaled the Vehicle. 

Customer responded back to USAA on XX/XX/XXXX and informed them of the entire situation and the fact that XXXX XXXX totaled the Vehicle. The Customer notified the Bank first thing after the accident happened to ensure the USAA Bank was communicating with XXXX XXXX Adjuster to payoff loan as stated by XXXX XXXX ( Bank Officer ) and XXXX ( Adjuster ). 

USAA continued to let XXXX XXXX XXXX  XXXX complete repairs on a Vehicle they totaled. The total of repairs {$22000.00} on a Vehicle worth $ XXXX 95 % damaged and USAA wants the Customer to still pay the loan on a Vehicle which has lost over 90 % of it's value and now has a Totaled Title. 

The title and keys were sent back to USAA per their request so the responsibility of the Vehicle is with USAA since they took ownership and kept on paying the Shop even after the Customer told the Shop to stop all repairs on XX/XX/XXXX. 

Why does USAA Bank Auto Loan Department feel that the Customer is still responsible for the Loan payment on a declared Totaled Vehicle? Why did USAA not perform its obligation and responsibility to the Customer as stated in their Total Loss Letters?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other fee

Complaint: This is regarding my Macy 's revolving credit account. It 's very simple. When I pay my bill in full on or before the due date leaving a XXXX balance, Macy 's applies a finance charge on a XXXX balance. This has occurred 6-8 times in 14-15 months of a new account. Each time I 'm incorrectly assessed the charge I 'm forced to contact customer service and they always remove the charges. I do n't feel it 's my responsibility to monitor each month and more importantly, how many customers are unaware of this fraudulent business practice. Each time I contact Macy 's corporate office they assure me they wo n't continue this & are notating my account. Obviously, false promises to presumably make me go away. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/18/2016 about Debt collection (Medical) with Trans National Credit Corporation (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Please reference consumerfinance.gov Case number : XXXX - I have not heard back about this case and Trans National Credit Corp. has not provided me with any proof that this debt is mine. They refuse to provide evidence and it seems that they can not even be vetted by Consumer Financial Protection Bureau. The 30 days have long gone as this dispute was submitted on XXXX/XXXX/2016. When is this going to be removed from my credit??? They refuse to provide the emails they say contain information that the debt is mine. PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: XXXX XXXX reported in XX/XX/2017 30 day late 's. They agreed to remove the lates. I was rescuing people in hurricane. They had my phone number incorrect and never called me. after speaking with supervisor they agreed to take it off my credit report. I can't refinance my home due to this late and might lose my home. Please help. -

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 10/16/2015 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Today I received notification from my credit report that Freedom Mortgage company reported my loan to the credit report as " Account in forbearance '' when it was never late and never in forbearance. This obviously effects my credit rating and how others view my credit activity and is against the FCRA. I would like an immediate response to the issue and recommend a CFPB inquiry to their credit reporting practices for Veterans and how they are handling VA loans. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit reporting () with Credit Karma, Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have not applied for credit at multiple institutions that are stated on my credit report as a hard credit inquiry.

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 explanation
Consumer complaint received 09-03-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX, I settled a debt through a law firm for a XXXX XXXX/Metris credit card account. 
In XX/XX/XXXX, I was contacted by another law firm and told that I owed for that same account. I contacted the original law firm and they re-sent me the settlement letter and confirmed that they had my account as satisfied and that they had let Metris know back in XX/XX/XXXX. 
I faxed the settlement letter to the law firm who contacted me as well as bank statements showing the payments cleared. They apologized and assured me they would correct the issue with Metris. 
I have since heard from at least XXXX other law firms on this, almost on a yearly basis. Most recently last week. I submitted yesterday, the settlement letter to the latest law firm. 
Metris has been bought by other companies since I settled the debt and I can not find an up-to-date contact number so that I can address this directly. The law firms will never give me the contact info they have, they only assure me it will be taken care of. However, this is only 'taken care of ' until Metris ( or whoever owns these old Metris accounts ) sends my info to a new law firm. They never update my account correctly to show that it is satified. I do not think it is fair or reasonable that I hear almost annually from a lawyer on a debt that I have satisfied and paid taxes on. I am attaching the settlement letter which has the original law firm information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Since the Equifax breach, their website for setting up a credit freeze has been completely unavailable, no matter what time of day or night. I managed to put a freeze in on XXXX and on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WORLD ACCEPTANCE CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I opened a installment loan with World Acceptance Corporation in XXXX, Alabama. I fell behind in the monthly payments and the account was placed in a collection status. I paid the account off on XX/XX/XXXX via telephone. However, on XX/XX/XXXX, after reviewing my credit reports from the three reporting agencies, I noticed that there was inaccurate information reporting from Colonial Finance Company. I contacted the corporate headquarters in XXXX, South Carolina via mail and requested that they update the accurate information to my credit report, showing a zero balance and paid status. I understand that the account was placed in charge off status, however the Compliance Manager ; XXXX XXXX wrote correspondence to me via mail that my request will not be granted and that the information reporting to the credit reporting agencies is accurate. I have a invoice ( paid ) attached to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Student loan (Non-federal student loan) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX, my loan servicer was transferred from XXXX to American Education Services http : //www.aessuccess.org/ In all of the years in which I 've paid my loans ( nearly a decade ) I 've never had so many issues with the transfer of information, data, etc. I have filled out their online form for direct debit three times, endured customer service representatives lying to me about how my transactions were processed, received several pieces of mail in which they stated my interest rate had changed ( it had not ), and all the while there were several interactions in which supervisors told me that they were researching my account to see what happened ( while keeping me on hold for approximately 20 minutes ) without receiving an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with PAYPAL HOLDINGS INC. (DC).
Issue: Unsolicited issuance of credit card

Complaint: My Paypal account was somehow switched to PayPal Credit account last year. I do n't recall requesting this credit and I never authorized PayPal to start billing my PayPal purchases to the PayPal Credit. I was not paying attention to how this was being billed, and never got any monthly statements for this new credit product. Last week, I was sent a bill for my PayPal Credit balance, and it was very high, but I just paid off the balance. 
I think you should advise PayPal to NOT unilaterally switch customer payment options to Credit. It should be very clear that customers are now paying with credit rather than directly debiting from their bank accounts. I believe this was a predatory lending practice and I am sure other consumers have been tricked into using PayPal Credit against their wishes. 
Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I have filled numerous complaints with Equifax. Equifax has finally responded by removing the 3 loans that were originaly XXXX XXXX XXXX XXXXs # XXXX which were well over 7 years old. XXXX XXXX XXXX XXXX then sold these same 3 loans to XXXX XXXX XXXX These 3 loans have not been removed. They are the same debt that XXXX continues to sell over and over. Selling the same loan over and over destroys my credit and is against the law to do. Equifax still has all 3 XXXX XXXX XXXX on my report last dated XX/XX/17. I have previously stated that they be removed. Equifax continues to be difficult to deal with upon this issue. XXXX and XXXX had the decency to remove them quickly. Why has n't Equifax done so? Equifax continues to drag their feet and it is costing me {$21000.00} in extra interest to be paid because loan rates have gone up and i ca n't qualify with these 3 loan debts which I have asked repeatedly to be removed. I am going to ask for in punitive damages if this does n't get fixed promptly. I am XXXX years old living on a fixed income and need to refinance my house but the the game playing by Equifax still continues.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have sent Numerous notices to Experian to delete the inaccurate accounts they could n't verify or Validate to me. This is an Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 et. Seq. ) These accounts are not mine & need to be delete 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 10/27/2016 about Bank account or service (Savings account) with FIRST HAWAIIAN, INC. (DC).
Issue: Account opening, closing, or management

Complaint: I was in the XXXX, so I opened a checking and savings account at First Hawaiian Bank. I maintained the account for about XXXX years, with periodic deposits and withdrawals. We left XXXX because of a XXXX move, and I did n't close the account. It had about {$400.00} or {$500.00} in it, and I had an auto loan through the bank, so I kept the account open when we moved. I did n't touch the account for a while, and when I tried to login to the account, I could n't access it/retrieve my account number. My mistake was that I connected the account to a XXXX email address, so I had no way of retrieving my account number. I called the bank to find out how to access the account, only to be told that I could no longer access it, and they were charging me a monthly fee to keep it open since it was n't in use. I asked how to close it. They said that I had to mail a letter with my name, XXXX and current address requesting that they close the account and mail me a check. I mailed one letter, and checked back a few months later. They said that they had never received it. I mailed another letter, and they rejected it, saying my signature did n't match closely enough the signature I used when I opened the account. After pushing continually XXXX multiple phone calls over the course of a nearly a year to a standardized customer service number ), I finally reached someone who could help me and would give me her phone number to call and follow up on the situation. The account is now closed, and I received a check from FHB for the remaining money in my account -- but this process cost me more than {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: CHOICE RECOVERY INC IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TN).
Issue: Struggling to pay mortgage

Complaint: I 've requested a mortgage modification several time with my mortgage company, they have refused to work with me and my mortgage is adjusting out making my payment higher and higher. I got behind with my mortgage because my father was terminally ill and I wash his sole caretaker. Also my taxes and insurance are n't es crowed I need them to be included with my note. I want to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received telephone call from EOS CCA at my place of employment. 
Returned call and was advised I owe a debt to XXXX XXXX. I advised in writing to EOS on XXXX/XXXX/2015 that I dispute claim and requested verification of debt because I never received a final bill after my cancellation of service indicating amount owed and for what services they rendered to me to cause my owing the debt. On XXXX/XXXX/2015 I received an alert by email from my credit monitoring service that XXXX potentially negative item was placed on my credit report, which was XXXX XXXX. I am also disputing that negative item with my credit reporting agency. As of the date, I have no response from XXXX XXXX or EOS CCA.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (TN).
Issue: Loan servicing, payments, escrow account

Complaint: TD Banknorth holds my Home Equity Line of Credit account number XXXX. One month ago the sent a billing to me with a payment that is 4 times what the typical payment has been. This is a adjustable rate loan with an APR of 2.74 according to their online statements and paper statements. I have sent XXXX secured messages to them on the website asking for documentation as to how the payment increased 4 times. I have recently received a letter threatening foreclosure and they are charging me late fees and reporting my loan as delinquent. I have paid as agreed and have the documentation of such. I called today to speak with their collection department and the individual gave me a multitude of wrong answers. There are no changes in my statements that would reflect anything other than the terms I have had for 10 years. If they have made changes to my Home Equity loan terms there have been no compliance documents sent at all. They are not able to provide me with any reasons why the payment has changed 4 times. They are reporting me as delinquent and sending me letters regarding foreclosure and saving my home as I am current and have been at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (PA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have owe XXXX on my XXXX XXXX, have messaged them and called them and getting no ware. My credit has dropped from XXXX down to XXXX. I have been making payments early each month and suddenly my credit score dropped and they are telling me I am not paying the full amount each month. I am requesting to have this interest rates lowered and the fees taking off immediately. I am not at all happy, struggling financially, in low income housing, had to apply for medical assistance and food stamps. I pay my bills all early and now XXXX messed up my credit score. I am not happy at all with them and need to speak to someone on this issue please.

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull my credit.

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 09/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: TransUnion is reporting inaccurate information on my credit file. I have disputed this several times with them over the last 2 years, however they are still reporting incorrect information. They are reporting the incorrect date on my credit file. The below account went delinquent on XXXX XXXX, XXXX and they are reporting the date of XXXX/XXXX/XXXX which is illegal. This account should have been deleted from my credit file. I have attached supporting documents that this account is incorrect and needs to be deleted from my file. 
Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$1200.00} High Balance {$1200.00} The XXXX account they are inaccurately reporting is XXXX. They are reporting the incorrect date on this account as well. I have attached supporting documents with the original bill from the creditor that this needs to be corrected on my credit file. TransUnion is reporting the date of XXXX/XXXX/XXXX when the correct date this account went delinquent is XXXX/XXXX/XXXX. Below is the account information ( also attached ). 
Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$390.00} High Balance {$190.00}

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 05/15/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (UT).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XXXX used to manage my student loans. I had my student loans deferred throughout that period because of hardship and XXXX approved them. My student loans are now managed by XXXX XXXX. Sallie Mae has reported my account to the credit bureaus as negative. This is not a fair practice and has to be corrected or deleted from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Convergent Outsourcing is attempting to reage an account that is beyond 7 years of collections. This account has already been settled.

Company response to consumer: Closed with explanation