milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX military, and have been since XX/XX/XXXX. 
In XX/XX/XXXX I purchased a house in XXXX, Arizona through USAA. The loan was a split ( XXXX ). 
I left the US to serve XXXX from XXXX until XXXX. 
During this time USAA sold the primary to another mortgage lender, but USAA retained the " XXXX % '' of the loan for themselves. 
I returned to the US and was divorced shortly after in XX/XX/XXXX-XX/XX/XXXX and because of the housing market crash, the house was upside down. When I attempted to execute a short sale to remove the property as a joint holding between my ex-wife and I, she declined to do so out of pure vindictiveness. This forces the disposal of the property to have to be foreclosed upon in order to break ties and liquidate the property. 
The foreclosure process began, USAA refusel the XXXX / XXXX offer to settle with the primary lender, and the first mortgage holder closed without them. 
USAA somehoe re-catorgized the loan as a " Home Equity Line of Credit '' even though it was original purchase money and not an HLOC. 
In the State of Arizona, there are laws ( see the attached letter as a reference ), that state that all money used as original purchase money, is " forgiven '' at the time of foreclosure. 
USAA has failed to recognize these laws and recorded my mortgage, even after the foreclosure, as a open account with a XXXX balance. 
After seeking assistance from military legal offices, USAA 's only actions in response to the letter requesting the removal of the loan from my credit report, was to file a XXXX and report the loan as loss to them, and capital gains for me. I got smaked with the tax bill, and paid as required. 
However, even after USAA recorded the loss, they still continue to report the mortgage loan on my credit reports and will not communicate with me, or my proxies to resolve this issue. In one event, they actually withheld my military pay to make a mortgage payment forcing me to change my military direct deposit banks to prevent further interference from the bank. I have successfully gotten one of the credit agencies to remove the account based on the law, but USAA has proven to be manipulative and uncooperative, especially since they claim to be a military affiliated institution that is stonewalling an XXXX military member causing massive financial implications in direct contract with the Arizona Revised Statutes that they agree to abide by when they do business in those states. This is a typical struggle of the little guy against the " big bank '' who uses stonewall tactics for their own financial gain, while the whole time advertising themselves as being a " military member supportive institution ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: Disputed an item on my credit report that is clearly a medical collection account. Account type is listed as a collection account rather than medical ( COL 48 vs Med 90 ). Experian unwilling to change account type to accurately reflect the account type. Also, Experian did not add a 180-day grace period to resolve the medical debt before it appears as a past due amount on my credit report per the new law passed on XX/XX/2017.

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 06-05-2016 about Credit card () with DISCOVER BANK (MD).
Issue: Credit card protection / Debt protection

Complaint: I received a receipt from XXXX on which more than XXXX digits of my credit card on it. I believe this violates MD CodeXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (IN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I had an unauthorized charge on my Debit card for {$840.00} on XX/XX/XXXX. I filed a dispute with my Bank ( Huntington ) when i saw the transaction on XX/XX/XXXX this is a second account and i manage my funds using a checkbook not online, and in 5 days they declined the dispute saying that the charge was only 12 miles from customers home address. That is the only reason that they gave for declining it. And i am now out XXXX dollars. I have tried to go into a branch and figure out more about the merchant ( XXXX ) but no one can tell me anything. I have tried filing a disupite again in a branch but no one seems willing to help

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (MI).
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: paid off a home equity account on XXXX to XXXX XXXX who was a debt collecter for PNC bank for XXXX dollars. total debt was for XXXX. before making final payoff payment, was instructed that the XXXX dollar payment was the amount needed to pay to clear debt in full according to XXXX associate. now trying to refinance existing home to a 15 year mortgage and am running into credit issues with what several mortgage companys are calling a debt settlement. the miss information i received from XXXX is not allowing me to refinance my home. i paid the total of XXXX, but apparently some late charges were taken off. trying to do the right thing. need some help, thankyou ..

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted transunion credit bureau. Over XXXX times asking them to remove over XXXX inquires that did n't authorize. I keep getting the run around I did n't authorize all those hard ibquires

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 10/14/2015 about Payday loan () with Residential Credit Solutions, Inc. (NJ).
Issue: Charged fees or interest I didn't expect

Complaint: Almost 18 months ago, my loan was purchased by Residential Credit Solutions. At the time, my mortgage payment was XXXX. Roughly four months after RCS had my loan, my payment increased to XXXX for " escrow purposes ''. I spoke with my town about a rise in taxes, that did n't happen, and my insurance for the year had already been paid. RCS claimed that I had to be charged but never truly explained why. I kept up with my payments monthly until XXXX. As a single mother of XXXX and a home owner, unexpected financial expenses came up and had to be taken care of. So, I sent my payment in XXXX and RCS sent it back to me and said that my loan is in default because I was deliquent with XXXX payments, that I am heading for foreclosure, that they will not accept anything less than the XXXX payments and that THEY WILL RUIN MY CREDIT!!! I was advised that my only option is to refinance the loan as soon as possible and get away from the company. THE PROBLEM is that they are now saying that I am XXXX PAYMENTS DELINQUENT and they are holding those payments against me so that my EXCELLENT CREDIT SCORE that 's taken years to establish and has always been impeccable, is now been dropped to a middle score of XXXX. I 'm not sure what I can do next, but I am in desperate need of some sort of financial help and advice. Thank you so much for listening!

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Installment loan) with Credit Central Holdings, LLC (SC).
Issue: Problems when you are unable to pay

Complaint: I WAS OUT OF WORK DUE TO XXXX. SO I GOT BEHIND ON MY PAYMENTS. I HAD EXPLAINED TO THEM ABOUT THE SITUATION. I JUST STARTED BACK WORK, HAD TO GET A CAR, SO MY FRIEND GOT THE CAR FOR ME. ONE DAY SOMEONE FROM CREDIT CENTRAL CAME BY THE HOUSE AND SAW THE CAR PEOPLE TAG ON THE CAR. THEY CALLED THE PLACE WHERE I GOT THE CAR AND TOLD THEM EVERYTHING ABOUT MY ACCOUNT WITH THEM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed bankruptcy 3 years ago this XX/XX/XXXX. This credit card is in it. All my accounts are closed on my credit, but this one. My attorney is aware of this and told me to contact you directly to get it fixed. My credit report is in the final stages of bankruptcy and all accounts are closed. The portfolio credit card is in there under a collection and needs fixed or removed. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a credit card with XXXX XXXX/XXXX for a couple years and closed it earlier this year. I paid the full balance due and closed the card. Now, they are reporting to all credit bureaus that the card is charged off and paid after closing. This card has never been late and was closed in perfectly good standing. I 've contacted the company and was told to mail a request to correct the credit bureau information. I 've mailed the company a copy of my credit report showing the negative reporting and nothing has been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar mortgage company purchased my mortgage from XXXX in XXXX of XXXX. Since I had a conventional loan originally, I qualified to have my PMI removed after 2 years. I submitted the PMI removal request to Nationstar officially on XXXX XXXX, XXXX. They initially tried to tell me that I could not have it removed because of a late payment on the account, which happened only at the time that Nationstar initially transferred the loan over from XXXX, which happened without my knowledge. I made the XXXX payment to XXXX, they never cashed it, and the payment was never sent to Nationstar. I had been in communication with Nationstar all along about this, and even though the " official '' payment was a few days late, they agreed to not charge any late fees because they were aware of the miscommunication between the XXXX mortgage companies and I. Regardless, I waited until the official " wait time '' of 1 year with no delayed payments to check on the status, and after I called them today, they stated that my current Loan to Value ratio is at 90 %. When I asked them how they got to this figure, no one was able to answer that question for me. One person was able to give me the initial appraised value of my home at the time of purchase in XXXX, which placed my LTV ratio at 78 %, but still, no one could answer that 90 % amount, and they stated that if I wanted to remove the PMI, then all I needed to do was pay {$60000.00} toward my loan and then it might be removed. After going through XXXX different departments, I was finally told that I now need to re-submit the PMI removal request, and that they would send me a new form ( which i still have not received ) and start the entire process all over again. At this point, it is clear that they have no intention of removing the PMI from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with Grant & Weber (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On    XXXX   XXXX   XXXX   this company received a letter requesting validation where I asked themn either provide me with proof of m y liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDC PA Sec 809

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 04-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I verbally advised this company to stop calling me after I settled and paid a debt. Since I 've made the settlement payment, Receivables Performance Management calls me XXXX times per day. I 've asked them to stop calling me, Ive requested managers and supervisors but the representatives who answer the phone refuse to connect me with someone in leadership. I want them to stop calling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: American Express have a collection or listed a credit cards I have never used. 
This is wrong and not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Credit card () with PAYPAL HOLDINGS INC. (KY).
Issue: Other

Complaint: My husband has a Bill me Later/Pay pal account. I went to make a purchase at the end of last year. When I went to pay put I put all of my husband's info like I always do, except this time I accidentally put my last XXXX digits of my social. They opened and account another account up with my husbands name and birthday and my last digits of my social. So we had a completely new account and was not aware of it for 4 months. The bill comes under my husband's name and I never open them I just pay them by phone on the due dates. I got a different letter in the mail saying that we were 3 months behind on our bill, which by the way we have never missed a payment with them in 3 years that we have been customers. I called to find out what was going on and was shocked that they had opened an account with a name their birthday and another person's last XXXX digits of the SSN. I asked them how in the world did they have the right to open the account with wrong and such little information. Now I have a huge min payment and was sent to the credit score people. My husband just told me about the fine that they were charged with. Will there be a class action law suit?

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (I do not know) with Merchants' Credit Guide Company (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I requested debt validation over 30 days ago with no response from Mechants Credit Guide. They have reported this item to my credit report and I believe its not valid

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CT).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: During the period of my car note I needed a couple extensions. I tried very hard to keep up with everything because I live alone and support myself. I told that my loan with each extension would make my maturity date extended an extra month but what they did n't explain is how much interest they would charge me in a  one  time fee at the maturity date. I was making payments and after I checked the next day to make sure my payment was accepted, i had a random past due notice of {$2900.00} about a month ago and I called to ask about it and they explained it was for the Interest EACH DAY for each of the extensions i took during the period of the loan. I explained that I could n't possibly pay all that at once because yet again I am still a single person trying my best to pay all my bills and all they could tell me is that " well we were here when you needed the help, but that all has a cost involved '' I do n't believe it 's fair to charge this much knowing that the person asked for help for a reason in the first place. It was n't fully explained the actual cost that would be involved when taking an extension. I think they are taking advantage of people who are trying really hard to keep up with everything they need in life to survive and forcing them to pay a fee for being human. I would really like some help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I used my American Express Blue Cash card and bought a new membership for {$45.00} at XXXX XXXX # XXXX because they had a deal ( Amex Offer ) for new membership purchases. I was told yesterday by XXXX ( XXXX ext XXXX ) that they 're not honoring the deal because it was n't a new membership purchase. So I got written proof from XXXX that it was indeed a new membership. Amex, please honor your promotion ( {$45.00} ) credit

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}

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 01/15/2016 about Bank account or service (Other bank product/service) with First Data Corporation (VA).
Issue: Account opening, closing, or management

Complaint: I received a request from " Money Network '' to verify my identity. The request was for XXXX of the following items : Social Security card, Passport, Driver 's License, Military I.D., Green card, etc. 
The letter said they needed these documents to upgrade my account to a Premier Account. They asked for the documents to be mailed to Money Network, XXXX XXXX XXXX XXXX, XXXX GA XXXX. Or, fax to : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: On around year XX/XX/XXXX l rented a apartment in XXXXCalifornia and l was the only applicant and Renter.at XXXX apartment. 
I stayed for six months or less.There was no lease only month to month. 
I always payed my rent on timely matters and kepted my apartment cleaned and l did n't have no pets. 
I payed my deposit of around {$1000.00} in which l did n't received when l moved out of the apartment. 
I file Retaliation and Discrimination complaints with. Federal. Trade Commission and XXXX apartments and Hunter Warfield collections stopped harrassing and collection calls. 
Now XXXX Hunter Warfield collections are harrassing me in collections and sending me to collections and ruined my credit XXXX 
This collection companies and XXXX apartment are trying to collect {$990.00}. 
Also the charge of {$990.00} is for them in cleaning the apartment in which l hired a housekeeper to clean the apartment and apartment was left very cleaned and there was no pictures hinged on the walls.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am  XXXX . I suffer from   XXXX   XXXX  . I was working while attending the school that I obtained a loan for. At a certain point my   XXXX   had pregressed to the point that I could no longer work, support myself and pay the loan. I applied and subsequently recieved relief under hardship. This creditor had been fully informed every step of the way. They have not only reported me with the  XXXX  credit reporting agencies as having missed payments, but have also reported the same on my Mothers credit reports. She co-signed the loans. She too recieved relief under Hardship. She too is  XXXX . Our only source of income is social security  (  each ). I deny making late payments prior to my acute  XXXX  and before informing the creditor of my condition or that of my Mother. I believe the current conduct of this creditor is of a retaliatory nature for our inability to pay the loan. Please not the the loan was paid off under the hardship program. We owe them nothing. We also contend that these loans were re-aged so this creditor can continue to report negative credit to the  XXXX  major credit reporting agencies.

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