milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: During the week ofXX/XX/XXXX, I reached a settlement on the two credit card accounts I have with USAA. OnXX/XX/XXXX, I paid off both credit card accounts with USAA for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. USAA has reflected the payments I made to the 3 credit  bureaus XXXX, XXXX, and XXXX, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted USAA on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by USAA I am unable to provide written proof of the settlement. Verbally, USAA acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel USAA is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, USAA needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the USAA accounts that are incorrectly reported.

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 09-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am under a unlawful, deceptive, and discriminatory foreclosure practices and the company SELECT PORTFOLIO SERVICING INC . 

the system is not taking any attachments at all & gt ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Timeline of Events for Unauthorized Credit Card Navy Federal Credit Union Access # XXXX Account # XXXX Opened XX/XX/XXXX Two credit cards were opened ; one for XXXX XXXX the other for XXXX XXXX XXXX XXXX was designated as Primary ; XXXX XXXX was designated as Secondary all under the same account These credit cards were Visa Signature Rewards Cards Neither card was signed for by XXXX XXXX ( believe this was opened electronically and digitally ) XXXX XXXX never once was in possession of either card nor made any transaction with any credit card Payments were made periodically for approximately 9 months while XXXX XXXX and XXXX XXXX were living together Living location was XXXX XXXX XXXX XXXX . XXXX XXXX, Virginia XXXX Account went delinquent approximately XX/XX/XXXX XXXX XXXX upon realizing account was in his name files a police report for fraud with the XXXX Police Department Economics Crime Unit approximately XX/XX/XXXX XXXX XXXX also signs an Affidavit of credit card fraud and mails to Navy Federal Credit Union approximately XX/XX/XXXX. Navy Federal Credit Union Fraud department receives Affidavit and police report and conducts investigation XX/XX/XXXX Navy Federal Credit Union responds to XXXX XXXX with a rejection XXXX XXXX claim of fraud stating that credit card was opened almost a year ago and XXXX XXXX was well aware of all the charges since investigation traced back all to same address and that XXXX XXXX had signed on to his account countless times and only notified Navy Fed when card went delinquent. Essentially Navy Federal couldnt accept incognizance of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I want XXXX XXXX to be put on notice, they are not to contact me regarding this debt in anyway. They are not to covey any type or form, of my information related to this debt for purpose of collecting. This original creditor or collection does not show any where on any of my 3 credit agencies. This is a demand for my information to be removed from XXXX XXXX XXXX if it gets passed on then liability will be theres. I would appreciate this notice after there responding forwarding it to the FTC. 
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 explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am writing to you to request that you remove the following unauthorized inquiry ( ies ) from my credit report : SANTANDER BANK NA XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, MA 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 11-03-2017 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/2017 I checked my credit score and report and noticed that there was to accounts for medical bills that I did n't know about, I called the hospital and they told me to contact account and billing department I did that and I told them that I never received any medical attention or treatment. One is for {$820.00} and the other is for {$65.00}. Both are from the same place I then disputed the collection with the credit bureaus and within a few weeks they were taken off my credit report. Then my credit score went up and I thought it was taken care of and was going to be getting my credit score better, but today I got a email stating that a different collector is being used to try and collect money from me that I do n't own.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Put out of business and into jail for harrasments, threats, calls all hours and day and night, not our debt, holidays, terrorists, etc. The collection agency is FBSC Collection Agency/Financial Business and Consumer Solutions/XXXX. Also under names of XXXX or FBCS or XXXX or XXXX or XXXX or XXXX. Website is XXXX. Always changing their address and hiding their real names to avoid the law and prosecutions. Located in XXXX PA and MD and XXXX XXXX XXXX NJ at XXXX or XXXX or XXXX or XXXX or XXXX always harrassments day or nite or holidays and threats and more. Put out of business and into jail 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 07-12-2016 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Money was not available when promised

Complaint: I did set up funds withdrawal from my PayPal account to my bank account on XXXX XXXX, 2016. 
Money have not arrived by now, it is XXXX XXXX, 2016 today. It is more then 1 month now. I did XXXX transfers for {$15.00} XXXX and {$210.00} XXXX on XXXX XXXX, XXXX both transfers were lost. I contacted PayPal regarding this number of times but I still have not seen the funds at my bank account as well as they have not returned to my PayPal account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I currently have 6 loans that have been consolidated with Navient. I have been making good/on-time payments for the last 3-4 years. My payments are going towards an " Unpaid Interest '' balance that apparently goes up daily and monthly ( yes-I confirmed this with a call I made today. The amount goes up on a daily rate and a monthly rate ). Just to give a good idea of how much it is going up : XX/XX/XXXX : " Unpaid Interest '' total- {$620.00} ; XX/XX/XXXX " Unpaid Interest '' total- {$940.00}.
My Unpaid Principle hardly changes-it was the same amount for 4 months. Total amount is {$39000.00}. According to my XXXX/XXXX statement-my total interest paid to date is {$11000.00}. My current payments are {$100.00}. I understand that is n't much, but at the way they are going, I will NEVER get the unpaid interest down to actually get my principle down. I have attached just a progression from XX/XX/XXXX-Present, but I have ALL of my statements available if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Customer service / Customer relations

Complaint: For over 30 days I have been getting a runaround from Barclaycard US regarding problems that I first reported on XXXX XXXX, 2016. I have had numerous attempts at following up some of which are documented in a letter that I will attach to this complaint. That letter should not be posted as it contains sensitive information The initial problems relate to there lack of compliance with their Transaction Alert policy and lack of awareness of or compliance with their Complaint Policy statement. They have also sent out form letters, one of which they claim was sent in error and no one is able to let me know who, if anyone has my letter to them and when or if anyone will ever respond. 

I have been unable to reach anyone at Barclaycard US who can escalate this to someone who might 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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a hard credit inquiry on my Equifax credit report from XXXX XXXX XXXX from XXXX credit. I have never applied for credit with XXXX I contacted them and they did not have an answer for me as to why the inquiry is there. XXXX does not have this inquiry on my report only Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted on my personal cell phone and home phone at the most inappropriate times from the company ERC regarding a XXXX telephone debt that is not mine. 

They list account # XXXX with a debt of {$280.00} ... 

I have contacted XXXX and they have confirmed that this is not my debt. 

I have also contacted ERC to advise them and they stated that I would not be receiving more calls however they continued to call and send letters to my home. 

The info for ERC is as follows : Telephone XXXX Address : ERC XXXX XXXX XXXX, XXXX. XXXX and ERC XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX I am asking that this company be investigated for fraud and that they cease contacting me. 

Thank you for your help. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H- XXXX

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 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I TALKED TO EXPERIAN ... XXXX ..XXXX.. 
THAT IN MY SUMMERY REPORT HAS OLD 8 YRS. 2MO ... .AND 7 YRS. 6MO.

2 YRS. THAT IS NOT MINE .I NEVER HAD ANY LOANS. THES ARE OLD. THEY NEED TO COME OFF AND DELETED OFF MY CREDIT REPORT. I HAD IDENITY THEFT.. ALREADY BEEN REPORTED TO THE POLICE DEPT. FILED WITH FTC.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I most likely am one of the individuals impacted by equifax 's recent hack. I have not signed up for their protection program because their terms and agreements seems to waive my rights despite this being a wrong on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (VA mortgage) with Nu World Title, LLC (FL).
Issue: Settlement process and costs

Complaint: I 'm filling a complaint against Nu World Title XXXX, LLC at XXXX, Florida XXXX. ( phone XXXX ) On XXXX XXXX 2016, My wife and I sign the papers for a new house at Nu World Title XXXX. The signing was very cold and not very professional and the person assign to closing was n't either. After the closing and sending the funds to the attorney we did not get our keys to house until the next following week Monday afternoon. ON XXXX/XXXX/2016 our lender from XXXX. text me on my cell phone that we had to come in to the office and sign for a new disclosure papers. Because Nu World Title XXXX, LLC used their paper for the closing. Our lending agent XXXX XXXX tried to explain what happen but we look over paper but we decided not to sign anything until we see an attorney first. The Nu World Title of XXXX, LLc use other lending papers to closing our house deal. My next step to inform the Veterans Regional office of the problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (IL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made a purchase and opened a new account with Kay Jewelers on XXXX. I received my first statement due in XXXX that reported to my credit as over the limit because I was not told my total credit limit but XXXX added additional insurance to my card since the company allowed those things to be added to the tune of {$1800.00} additional added to my card. I am in process of closing on my home and was told by me loan servicer that I needed to make a payment of at least {$2800.00} to bring the balance down prior to closing. I went to the store to make the payment on XXXX/XXXX/XXXX at XXXX and was told by XXXX XXXX the CASH PAYMENT of {$3700.00} would post immediately to my account. It is now XXXX/XXXX/XXXX and my payment has not posted to my account. I am getting the run around between XXXX credit and Kay jewelers being to that my payment was posted to and old account number and their accounts number have changed. ( How did I get an old account number for a new account?? ) It could take up to 5 business days for a CASH Payment to post. XXXX XXXX was provided the receipt for payment made and can see that the payment is posted to a so called OLD account number and has yet to process my payment. I have made multiple calls and there is still no assistance with this issue. THIS IS ABOUT TO CAUSE ME TO LOSE THE CONTRACT ON MY NEW HOME BECAUSE THESE PEOPLE ARE NEGLEGENT IN PROCESSING PAYMENTS!!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Checking account) with SCOTTRADE BANK (PR).
Issue: Deposits and withdrawals

Complaint: Under the Deceptive Trade Practices Act, Scottrade Inc. was found liable for misrepresentation of material facts that resulted in losses to individual investors such as myself and many others. Scottrade 's negligence and omission of material information pertaining to the sale of known harmful securities to the public is not only highly unethical but bordering criminal activity due to its commission structure that encourages such activities to occur at the great expense of hard-working ordinary investors who have saved up all their life only to lose it all to somebody who took advantage of the system. 

Scottrade needs to be sued and ordered to pay compensatory damages to victims as well as punitive fines for violations of securities regulations. Otherwise, more ordinary individual investors and naive investors will lose their hard-earned money to Scottrade 's deceptive practices, material omissions, misrepresentations, and negligence.

Company response to consumer: Closed
Consumer complaint received 07/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/XXXX I requested through XXXX XXXX to lower my payment. I was told that the loan term would be extended out and would remain around $ XXXX monthly. In XXXX XXXX I was notified by the new Servicer, Navient, that my payment was increasing from {$69.00} to {$320.00} a month and that it was not going from interest only to principal and interest. I have been disputing this increase since I was first notified in XX/XX/XXXX. I also asked my cosigner be released as I have been paying timely for about 8 years and only 24 monthly payments are necessary to take off a cosigner. I was told because I was on interest only, I could not take my cosigner off the loan because the payments needed to be full principal and interest which again was never disclosed to me. Navient has sent me letters they are researching the matter but have not sent me anything in writing as to their decision. Finally last month I was advised that they listened to a call from XX/XX/XXXX and it was not clear I was explained the terms properly. On Thursday after being on the phone for an hour an a half they realized I should never have been on interest only but said they can not go back in time and only forward. They will not disclose their findings in writing. They offered to extend the terms of my loan only lowering my payment to {$200.00} a month. If i wanted a rate reduction my cosigner would need to call. He called and I was told they can not reduce me at this time because my expenses are too high. I am once again on a forbearance but interest is continuing to accrue. I was originally told in XX/XX/XXXX my payment would be {$69.00} a month because the terms were being extended out and once again the same thing in XX/XX/XXXX. I can not afford {$320.00} a month or {$200.00} a month and these errors by XXXX XXXX and Navient need to be resolved and my debt reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: There was a major security breach at XXXX. I found out about this on XXXX today ( XXXX XXXX, XXXX ). Not from the company, not from any other bureau, but on XXXX ( thank you XXXX ). I checked XXXX and it told me my information was likely compromised, but that I should contact them on XXXX XXXX, XXXX to take further action. At that point I decided to freeze my credit through XXXX, Experian, and XXXX. Not only is this inconvenient for me, but I had to pay a total of {$20.00} to do this. So, in essence, I am having to fund the company that lost my information in order for them to agree not to further release my information. That is unacceptable. 

I also find the entire credit reporting racket to be unacceptable. We can not track our own credit scores without paying for a service. We can only get credit reports for free once a year. There are no posted guidelines on how to improve your score because each place has their own proprietary way of handling things. 

Identity theft is just going to get worse if we insist on having everything tied to a social security number. Giving these credit bureaus full control over all the buying power of Americans, without them having to say how to improve your standing is also terrible. This should be a wakeup call that this needs to change. It is only going to get worse if it does n't.

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 08-10-2017 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: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (VA mortgage) with Selene Finance LP (NC).
Issue: Application, originator, mortgage broker

Complaint: got a piece of property in NC in XX/XX/XXXX, I been trying to tell everyone sense XX/XX/XXXX this was fraud, but no one did anything about it, this supposed to be a VA loan, then we have XXXX XXXX XXXX, XXXX, XXXX, XXXX the XXXX. coming after us are XXXX XXXX XXXX located in XXXX NC, and Trustees of XXXX, this was never a loan but a refinance, i cough up with the scam in XX/XX/XXXX, we were never late in our payments with XXXX, but XXXX decided after been told to look into paperwork to foreclose on us, I never got to discovery or been to real court all our motions been denied they are trying to steal peoples homes in special XXXX XXXX XXXX wich is connected with XXXX XXXX. can someone look into this is thousands of illigal foreclosures done by this companies happening in my county XXXX NC.

Company response to consumer: Closed with explanation