milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Billing disputes

Complaint: I noticed XXXX fradulent charges on my account in XXXX 2016, and immediately reported it to USAA. As I still had physical possession of the card, I attempted to find out where my card information had been compromised, and I became convinced that it was via an online auto parts store I had recently used which lacked proper SSL authentication. When attempting to contact the parts store, I received no response, and subsequently reported these charges as fradulent to USAA. 

The following week, the parts actually arrived, and I immediately contacted USAA to ask them to re-authorize the charges ( approximately {$1700.00} ), as they were valid. 

This has led to an absolute nightmare, as that {$1700.00} has been credited to and debited to my account over 11 times over XXXX billing periods during the past 4 months. USAA insists that I never paid the {$1700.00}, despite numerous attempts to prove that this is impossible given the numbers shown on the billing statements. During these XXXX billing periods, I made purchases on the card totaling {$5100.00}, and paid {$4700.00} in bills, thus I owe USAA {$390.00}. 

USAA however, insists that I owe them {$980.00}, and I have also been told that I am actually coming out ahead, as that number SHOULD be {$1300.00} ( as they admit that their accounting is inaccurate ). I have been insistent for over 4 months about what I owe, and I simply want to pay the {$390.00} to settle the accounts. This has proven impossible, and I refuse to pay more than I actually charged to the card in goods and services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, Well, I 've been hoping HARP3 will pass, but that wo n't happen. We 've called Wells Fargo & XXXX ( owns our mortgage loan ) and we keep getting the run around. Wells Fargo says to call XXXX, XXXX says they ca n't help us. Our loan is n't with XXXX or XXXX, my husband and I have great credit and we 've paid on time - our house is worth less than what we paid for in 2005. 
After all this time, we still ca n't refinance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with Fleet Mortgage Corp (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I am trying to close on a Home Equity Line of Credit, but ca n't close because the title search ( attached ) is showing a 2nd open mortgage on the property. The original mortgage ( XX/XX/XXXX w/ XXXX XXXX XXXX - attached ) was assigned to XXXX XXXX XXXX , subsequently corrected to Fleet Mortgage Corp. ( assignment & correction attached. ) In XX/XX/XXXX we refinanced with XXXX XXXX XXXX. ( mortgage attached. ) Apparently Fleet never filed a Satisfaction of Mortgage, so the Fleet Mortgage is still showing up on the title search as open. Fleet Mortgage Corp. was subsequently absorbed/bought out/merged - not really sure what. I am unable to track down anyone that has any records from when Fleet held the mortgage, and can file the satisfaction of mortgage to clear my title. Also confusing ( but not sure if its relevant? ) - In XX/XX/XXXX I refinanced the mortgage with XXXX XXXX. XXXX filed a satisfaction of mortgage, but the issue of another open mortgage on the property never came up.

Company response to consumer: Untimely response
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: At the time repayment of my loan was expected I was encouraged to do deferment and while waiting on the forms I should place my loan in forbearance. Forms for the deferment never came. I called XXXX times and was given the run around. I also asked about my repayment options and did not receive adquet assistance. I was told I did not qualify for repayment arrangements ( IBR ) but my income is below the poverty level.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Assistance Corporation dba Revenue Group (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I fraudulent debt collection XXXX I was making a payment to on a car payment some way I got revenue group on the line I do n't know how the intercept payment but my car was reposted because the payment went to this company. I am XXXX and XXXX daughter is the representive on my debit card so I had to call her to make payment.Payment was made but we found out revenue group got payment they stated I called them not he line but I would have never called them since this claim ins ligation with workers comp.They fraudulent received payment which caused my car to be repossessed.and they. Refuse to make amends I asked them since 2014 to refer to workers comp company. they caused my car to be repossessed.and XXXX to me, In XXXX and received XXXX for this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was not allowed to dispute a XXXX dollar charged on my account. The charge was from XXXX. The charge is not authorized. The charge is for a pen scribble on a white chair. My wife and I noticed the pen mark when we checked in. The room was free and my card was swiped foa a " XXXX hold for incidentals '' .I never signed anything and I was not notified of the charge and I never agreed to my card being used as a limitless security deposit. XXXX Bank of America MasterCard I should be permitted to dispute this unfair and unauthorized charge per the fair credit trade act

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX/XXXX/XXXX I found out that there is a negative on my credit, from XXXX XXXX. It shows that I owe {$1600.00} from an account that was paid in closed in XXXX. Apparently this was just reported on my credit. This was a shock as I have always gone to great strides to keep my credit good. I need to know why something that was paid 4-5 years ago is on my credit? I have talked with XXXX XXXX, they were n't able to help and referred me to TD bank ( they handled the retail card services for XXXX ). TD bank is the creditor that reported the inaccuracy however they have been nothing but difficult. I was hung up on at least 3 times and they were unable to give me an answer as to why someone with TD bank decided to put this inaccuracy on my credit after it has been paid and closed for years. There has to be some accountability from these companies, especially TD bank!! This situation has caused me to not be able to finance a car and countless hours of stress and phone calls etc. Now I 'm being told that I need to put a dispute in with all the credit companies and wait up to 90 days. This is NOT acceptable. I paid my bills. TB bank reported an inaccuracy and I ( the victim in all of this ) am now being told " sorry about your luck ''. I want this matter corrected and TD bank held accountable for their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TENET HEALTHCARE CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My   XXXX   credit report shows a collections in the amount of {$150.00} from Synd Offic opened on XX/XX/XXXX . I have made several attempts to obtain information about this claim. I 've contacted both the company and the credit bureau requesting them to send me proof of this debt, and to remove this incorrect information from my credit reporting. I never got a response from neither. In  XX/XX/XXXX  I resent this request as certified mail and still no reply. In  XX/XX/XXXX  I sent a follow-up letter to check the status of my request but no one has contacted me regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (NH).
Issue: Problems when you are unable to pay

Complaint: I had a car when in XXXX. My father cosigned. I got sick and was in the hospital. Out of spite my father took my car and ruined my credit at the time to hurt me. Ford motor credit is still trying to collect since XXXX. XXXX refuses to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX you have a case in XX/XX/XXXX and XX/XX/XXXX as XXXX cases its the same case so XX/XX/XXXX case should be taken off the case just lasted that long so please take off my report also the case was expunged. should not even be on your report. as far as the case in XX/XX/XXXX should not even be on your report it was dropped never even got booked. please remove these criminal charges. this is preventing me from Renting a place to live. 
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 03/16/2017 about Debt collection (Mortgage) with 21ST MORTGAGE CORP. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call Monday Thur Friday Call both phones Email also And text Every time Send letters Certified letters

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Auto debt) with Thunderbird Collection Specialists, Inc. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a call today  XXXX  from my old boss stating that a woman by the name of  XXXX  was trying to reach me through an agency called  TCS ( t hunderbird collection agency. I have been asked me to inform them that I am no longer employed there and to stop contacting the company, as it is a place of business. I spoke with  XXXX  already and told her I will be contacting her on a certain date regarding this collection and she still proceeded to call my old place of work and also numerous fax 's with my first name and different last names.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (FL).
Issue: Account opening, closing, or management

Complaint: I had a credit card with Sychrony Bank. The card provided rebate rewards, payable onece per month. My card had a balance of over {$130.00} in rewards XX/XX/2014. The card was stolen, so I called the bank for a replacement card. I received the replacement card, but there was confusion on the phone call regarding a replacemnt card that the bank sent on another account ( I thought the card was for the account in question -- it was not ). 

At any rate, the bank cancelled my account, claiming that I had requested the account be closed, and refused to issue me the rewards balance. I complained about this treatment in four subsequent calls to the bank. They continue to claim I asked to close the account. I did not. The phone call was recorded, but the bank refuses to let me listen to the recording with them. I am 100 % sure that an honest review of the phone call will reveal that I never asked to close the account! I view their false claims and taking of my contractually promised {$130.00} as fraud and theft.

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 09-09-2016 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Credit determination

Complaint: A XXXX citizen who went to XXXX XXXX for {$1800.00} worth of dental work. Could not afford to pay upfront ; XXXX XXXX told me to use their payment plan. A foreclosure prevention counselor at a non profit anti poverty agency explained to me that it was a care credit card with a XXXX interest rate. She also showed me that only pay the monthly amount would cost me over {$5000.00}. XXXX did not explain this to me and did not tell me that I may have other options to pay this bill

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 01-12-2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (DC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A person named " XXXX XXXX '' has been calling regarding a debt I do not owe, plus he called my parents in NC to discuss the debt and say that he needed to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with Quality Recovery Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently applied for credit and was denied due to bogus duplicate accounts on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have contacted Equifax in regards to XXXX of the inquiries that show up on my credit report. They stated that they had investigated the matter and confirmed that they are valid and to contact the company myself. I have used the address that was provided by the credit bureau of which they used to verify. However when I tried to write the company to verify the document. I received a XXXX. Therefore, it brings up a red flag on whether the Credit Bureau ( Equifax ) has actually investigated the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Checking or savings account (Checking account) with PAYPAL HOLDINGS INC. (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I tried to cancel a transaction through paypal, but it still went through and i never received the item this transaction was placed for. Amount was {$400.00} and was taken out on XXXX XXXX, XXXX by XXXX XXXX through paypal, he is in XXXX. I have emailed him twice and no reply ever. I have tried paypal and they said transaction is too old to help me. I took this long because i kept disputing through my bank and every dispute takes up to 90 days to get a response. I tried to dispute through bank over and over. Final answer from bank of XXXX was that they cant credit back a transaction done through ACH. They stated if it was done through my card, they could have helped me. My complaint is against my bank AND the scammer guy that took my money as well as paypal for not being able to help me. Basically, this guy just stole my money with the help of paypal and bank of XXXX. The company that shows under XXXX XXXX is XXXX, I was originally going to get tail lights and cancelled my transaction. PLEASE HELP ME as this is alot of money i have lost. Paypal also said they would send the seller a message and copy me on it and i never got this. They stated they could send him an email informing seller they would remove him from being able to use paypal in future, but i doubt they sent it as i never got email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX Husband got a XXXX XXXX credit card. Account ending XXXX Wife never signed for the XXXX XXXX cardXX/XX/XXXX XXXX XXXX was seized by Federal and They went Bankrupt then XXXX Bank bought their debt. 
never had a credit card from XXXX and XXXX Card did not work after the XX/XX/XXXX XXXX working under XXXX XXXX XXXX XXXX account ending in*XXXXoffered a 40 % off of $ XXXX $ XXXXXX/XX/XXXX paid {$1000.00} then the rest over a 6 month period XX/XX/XXXX paid {$100.00} XXXX paid {$56.00} XXXX paid {$60.00} then called XXXX said owed still owed $ XXXX paid $ XXXX paid {$60.00} then said i owe another $ XXXX paid $ XXXX not ever receive a settlement XXXX closed down tried to contact them all number disconnectedXX/XX/XXXX XXXX sent letter that I owe Current Creditor XXXX XXXX XXXX XXXX # ending XXXX amount {$960.00} Sent a list of payments on the Account ending # XXXX Midland Credit Management, Inc sent a leter they bought XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX and they demand payment of $ XXXXXX/XX/XXXX Now Midland put Summons on my wife, which never sign or on the card to begin with! 
This is a never ending story. People not doing their job with final settlements and diffent companies buying bad dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Mortgage (VA mortgage) with MORTGAGE LENDERS OF AMERICA (KS).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: willful fraud & material misrepresentation by contract applying earnest money on a   XXXX    down VA loan that renders contract void due to the fact VA wil l not guar  anty the loan do to this violation of basic elements of a VA -Guaranteed Loan / this practice is a violation of basic elements of a VA -Guaranteed Loan along with fal se dating on page  XXXX  of  XXXX  of the Residential Real Estate Contract Page  XXXX  of  XXXX  and  XXXX   XXXX  hold the violation of down payment on a VA  XXXX  down loan. Purchase price & lender price are the same at  XXXX  down VA. BROKER AGENT RENDERED CONTRACT TO BE VOID OF VA GUARANTE DO TO HER VIOLATION KNOWING OR SHOUD OF KNOWN RULLS OF A VA LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my EPI may now be in the public domain.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/13 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX SC borrowed money from Onemain Financial Inc, XXXX SC. Payments were not made and the account was sold to XXXX XXXX XXXX. XXXX XXXX is attempting to collect the debt from me, I have informed them of the error but that does n't help. They continue to try to collect from me. I 'm an XXXX year old man totally debt free. My house, my cars and everything else I own is debt free.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: My complaint does not actually fit into any of these categories. It is a complaint against XXXX Bank, financing via XXXX. XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX. I feel that Conn 's was not clear in communicating the terms of the finance deal and XXXX is also guilty of the same and also of preying on consumers by applying higher than usual interest rates for products purchased through financing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a mortgage with XXXX and they sold my mortgage to Chase. Chase is a terrible mortgage service company. I paid them in XX/XX/XXXX and they did n't post my payment. Then when I tried calling them to resolve the issue they punted me to some call center in XXXX. Needless to say they did n't help me and the customer service was terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (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: XX/XX/XXXX  I reported incorrect credit reporting by Wells Fargo.
In   XXXX    The final payments requested were not loan payments but disputed fees not subject to credit reporting.
In response, rather than correcting the information the bank retaliated and posted new negative information causing a lower credit score.

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 03-11-2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Navient hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. I called FAMS on XXXX XXXX, 2016, to offer a settlement agreement on the debt of {$430.00} per month beginning on XXXX XXXX, 2016, for 24 months for a total settlement on the loans of {$10000.00}. XXXX had previously offered a settlement of $ XXXX FAMS agent stated that they could n't help me for some reason. They said they could n't pull up my account and that they could n't help me, even though I 've been making payments for th past 14 months to FAMS of {$250.00} per month. I recorded the phone call of the agent stating that they could n't help me. I have no idea why FAMS could n't help me because they have been taking my payments for the past 14 months. I called to offer the settlement, but unfortunately FAMS was playing hardball, and the agent was misrepresenting that they could n't help which is a flagrant violation of the Fair Debt Collections Practices Act.

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