milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with U.S. BANCORP (KY).
Issue: Using a debit or ATM card

Complaint: I 've been waiting for a month-and-a-half on a new debit card. 
I call your XXXX number customer service and tell them I had ordered one online myself for self service did not show up in the system anywhere so then I was told to physically go into the bank branch asked her to tell her to order me one and send it to the branch. 
The teller then argues with me that that was the wrong thing to do to wait on the other one gives me a temporary card and sends me on my way I 'm thinking she went ahead and ordered me another card now here I am 10 days later still no card no phone call so I call the service line again to discover a card was sent to the wrong address the day that I went into your branch to take care of this matter your customer service rep took way too long to process a transaction that was in front of me because she was too busy laughing and carrying on with that customer has the line grew behind me longer and longer when I made it to the counter you had about XXXX people deep waiting as she laughed and joked with the customer in front of me and did not care to move any quicker or move on about her business in this process I have discovered my letter was not taken very seriously and was not resolved. 
So here I am XX/XX/XXXX with no debit card sure I have a temporary one that I can function with but I do not have one that I can sign payments to because I 'm going to get a new one and now I have to wait another 10 days

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 02/17/2016 about Bank account or service (Cashing a check without an account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I get paid bi-weekly with a check drawn on Wells Fargo Bank, I do not have a Wells Fargo account. How can they charge me {$7.00} to cash my paycheck, something seems wrong to me. Of course it 's free if I change banks and open an account with them instead of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: I am a licensed real estate agent working with a borrower to accomplish a short sale. Bayview Loan Servicing is refusing to assist the borrowers because they stated they do not have enough time  according to CFPB rules. Bayview received the short sale file on XX/XX/XXXX when the borrowers had a foreclosure sale date on XX/XX/XXXX. The borrowers were able to get the judge to grant additional time until XX/XX/XXXX so Bayview could review the borrowers for a short sale but they still continue to refuse based on the CFPB rules. My understanding is that once the file is submitted, the lender should have at least 37 to 30 days to review in which Bayview has this time. In addition, Bayview informed me that the net proceeds need to be $ XXXX in which the net proceeds exceed the amount at $ XXXX. Bayview is using the CFPB guidelines as an excuse to not assist this homeowner avoid foreclosure. NJ is a judiciary state.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: In XX/XX/XXXX, I have already had to file 2 complaints with CFPB. In XX/XX/XXXX/XX/XX/XXXX timeframe, I re-filed a complaint because a resolution to my request has been avoided. A {$20000.00} payment paid by cashiers check was provided to Wells Fargo 's previous bank, XXXX XXXX during its transition to XXXX to pay down a substantial portion of a HELOC loan, # XXXX. Wells Fargo claims they can not find the deposit in the archives, ( although I have provided clear evidence of the unapplied sum ), which should reduce the balance of the HELOC debt, and they refuse to take any action or enact any resolution to correct the error. I have received correspondence stating that Wells Fargo can not validate their position because they do not have the records, tax records, deposit or any other records from XXXX XXXX/ XXXX . That is not an acceptable response. All documentation should be in the archives & in their vault. I provided a copy of the deposit receipt applied to the HELOC account, & copy of the cashiers check. In Wells Fargo 's response, denial & resolution letter, they asked me for a cancelled check. Cashiers checks are paid upfront & the customer is provided a receipt & transaction #, customer is not provided a cancelled check. Either Wells Fargo is operating without due diligence or they are pretending to be unintelligent to avoid a resolution, because my evidence was provided. They are refusing to credit me the {$20000.00} & recalculate all payments from that date forward, negotiate a settlement, take current payments from me on this account, in fact they are refusing to workout a payment option & are attempting to sell my house on XX/XX/XXXX over approximately {$7000.00}. + legal fees. They owe me {$20000.00} + an adjusted balance. 
The fact that Wells Fargo can not produce their information or documentation, is not a valid reason to deny my evidence. They will avoid a resolution until I have to take legal action. I can not believe Well Fargo is once again getting away with illegal practices, one that is even much more damaging than opening extra unauthorized bank  accounts. Your help will be greatly appreciated.

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 02-07-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I made the worst decision to attend the XXXX XXXX XXXX. 

Since XX/XX/XXXX, i have had little luck obtaining consistent work that will facilitate the loan repayment. 

I blame Navient for facilitation the option for forbearance before offering other options such as IBR. 

In XX/XX/XXXX, i applied for the Income based repayment, but was denied by navient. All government literature suggested i would qualify however Navient has declined my request and continues to facilitate forbearance. Of course they would, they will take benefit from and ever increasing capitalised interest. 

This loan is not manageable and sadly will lead to a default. I have no assets it seems as a slow painful financial death for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Mortgage (Conventional home mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (SC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: It is a RESPA VIOLATION to give or receive a thing of value for referring business between lenders and Realtors. XXXX SC is a cesspool of people like Prime Lending buying business at the expense of clients. 

From XXXX-XXXX on Tuesday X/XX/2017, Prime Lending is having a party with an open bar to thank their referral partners for business in XXXX SC.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We were in the process of a loan modification. It was a long frustrating road but we had finally gotten approved for a Partial Claim Modification. We have a trial period starting in XXXX with a payment of {$1400.00}. We were actually very relieved to receive this outcome. Two weeks go by and we receive a letter in the mail from BOA stating that our escrow account was revisited and our new payment would be {$1600.00}. I call my XXXX and ask what was happening. She tells me that something must have changed from last year, such as ; property taxes went up or my homeowners went up. I explain to her nothing went up. I know this because we receive copies of our tax documents and homeowners. She tells me she was going to have a customer service agent come on and explain it to me. The XXXX tells me all the scheduled payments being made to city taxes and homeowners. Everything she is explaining is also in the letter received. My new monthly escrow payment is {$570.00}. I ask the XXXX what was last years escrow payment. She tells me {$610.00}. I thank her and my XXXX comes back on the line. I tell her I am at a loss because my escrow payment actually went down from last year. She just keeps repeating herself, stating that they are not obligated to give me a lower payment. Basically we ended the call with NO explanation on how or why my mortgage payment went up {$250.00} before I even made the first payment. I feel that BOA is trying to take advantage of us in a desperate situation. I am already upside down in this mortgage. We owe over {$190000.00} and the last house that was on the market sold for {$75000.00}. We truly can not afford another {$250.00}. Someone please help us. How is this legal??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Consumer Loan (Vehicle loan) with BANK OF HAWAII CORPORATION (HI).
Issue: Managing the loan or lease

Complaint: I applied for a car loan with Bank of Hawaii in XX/XX/2016. I decide to check my credit report to see if the loan was reported to the credit bureaus ( building my credit ). Upon me checking I notice the amount reported was different than the amount I signed my contract for. So I got on the phone to contact someone from Bank of Hawaii to see why my balance was different from what was agreed to in my loan contract. As soon as I started explaining I was told this always happens and I just need to file a dispute with the credit bureau. After filing a dispute with XXXX the amount adjusted was still wrong as reported by Bank of Hawaii and higher even with my payment I had submitted. I called BOH again to see if I can get a breakdown of my payments sent to me up to final payment and was told no. So I decide to file another dispute to see if I can get the balance reported corrected via XXXX. Again the amount reported came back wrong and my credit score took a dip down on both reports. Last week Bank of Hawaii finally reported the correct amount to both credit bureau that was on the contract I signed. But this time when they reported it, my payments made were not reported and my credit score took another dip down. I call Bank of Hawaii today to see if we can get this fixed where its shows what I received via my loan statement as up to date. And again I was told that I will need to file a dispute via the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 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: This debt was paid off almost two years ago, I paid the debt almost {$600.00} dollars to this debtor. I called obtained my final bill amount the male representative gave me a amount I explained to him the send a bill every two weeks and to please advise me what I am being billed for he stated honestly he did n't have any idea he only shows my payments on accounts told me to pay {$250.00} last bill it was paid and they sent a independent contractor to my home to pick up my equipment and that was it I switched my services. I have seen on my credit report where this same debt has been removed five times and now they placed it back on my credit I am upset about this and I feel this should not keep appearing on my credit report as I have paid this off and have my bank statements to prove it. XXXX is a very unfair company who gives you the run around and keeps charging people for ridiculous amounts twice within the same month not monthly and ca n't explain what exactly you are being charged for this has been on going for almost three years now with this being now XX/XX/2017 and they removed the same debt and have placed it back 5 times they should be ashamed of themselves I would never recommend XXXX to anyone!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit card () with SYNCHRONY FINANCIAL (MO).
Issue: Transaction issue

Complaint: Lowes consumer credit card website routinely attempts to make consumer credit card statement payments " minimal amount '' or defaults payment dates to the last day prior to becoming delinquent in an attempt to increase revenues from late payments and interest. Multiple times I have selected the " pay current balance '' button on their bill pay site only to have the next page " confirmation page '' select the " minimum payment '' amount. I believe this is intentional and an attempt to increase revenue from interest.

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 04/24/2016 about Debt collection (Medical) with SYNCHRONY FINANCIAL (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was given credit for dental work by Care Credit and and saw a dentist for XXXX in 2013. Care Credit never once sent me a bill for the amount owed ever, no way was offered to pay the bill, then after twelve months they closed my account as a right off and sent it and a collection agency. They also reported me as delinquent to credit bureaus yet never once sent me a bill to pay or statement that my account was past due. I allege violations of law and bad faith on part of Care Credit. I want to delinquency to my credit reversed because I was never sent a single bill or even past due notice before my account was closed and sent to a collection agency. I also ask that Care Credit be held accountable. 

Care Credit engaged in deceptive practices and acted in bad faith by never sending me a bill and failing to notify me my account was delinquent or being sent off for collections.

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 06/18/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: Vehicle was damaged XXXX/XXXX/16 and declared a total loss a couple of weeks later. The primary and GAP coverage payments were made by XX/XX/XXXX. Not sure which side mishandled the claim ; I have proof that the payment cleared, but the loan company insists that a payment was not made. As a result, I have not been given a final payoff amount, and the company is reporting the account as delinquent to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit card () with PAYPAL HOLDINGS INC. (CO).
Issue: Credit card protection / Debt protection

Complaint: I was attempting to make a {$10.00} purchase through PayPal. Once the transaction was completed, I received an email stating " Welcome to PayPal Credit ''. I immediately ( same day, within an hour of receipt ) called PayPal Customer Service who informed me that this was a line of credit that had been opened in my name and that PayPal had completed a hard credit inquiry to open the line. I informed them that I had not authorized this inquiry and had no interest in the line of credit. They informed me that the inquiry was completed and there was nothing that can be done. A quick XXXX search on this issue turns up numerous sites and forums of others who accidentally ended up with inquiries related to a PayPal Credit Line when they did n't want such a credit line. I am an extremely credit-conscious consumer ( credit score over XXXX ) and feel scammed and defrauded by the lack of transparency experience here. Thanks in advance for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with SUMMIT FUNDING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2016, we sent a letter to our mortgage company, Summit Funding, requested the PMI be removed from our home loan. They responded with a letter stating we had to pay Summit FundingXXXX {$420.00} for an appraisal. We paid this in XXXX of 2016. No appraisal was ever done, Summit FundingXXXX cashed our check but never followed through with the appraisal. We were told by a XXXX XXXX employee in XXXX of 2016 that the money would be refunded to us. We have not been refunded our money. Our last contact with XXXX XXXX was a curt e-mail response to us : " Per the notes on your account there is no refund due for the appraisal fee ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Bank account or service (Checking account) with U.S. BANCORP (AZ).
Issue: Account opening, closing, or management

Complaint: On XXXX I opened a US Bank checking account which was having the promotion..deposit {$500.00} or more in direct deposit and after 60 days they will reward me with {$120.00}. I had used the correct promotion also. I had the {$500.00} direct deposit XXXX ( from my employer i.e. salary deposit ) i.e. within 60 days ... I was suppose to get {$120.00} on XXXX ... i followed when not getting {$120.00} ... this week got the response that they wo n't be giving me {$120.00} as I opened the wrong checking account-what??? But i had the promotion code applied -if i was opening the wrong account with the right promotion code on the website ... why the website did n't stopped me ... i already called the customer service ( phone call as well as chat ) -nobody told me that at the time of opening the account ... ..so they are just making an excuse not to pay me {$120.00}. i fulfilled all the rules and played by their rules book ... but now they are denying me the promotional bonus that i deserve ... .essentially speaking they are confusing the customer if they ca n't convince them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Payday loan, title loan, or personal loan (Payday loan) with Activehours (LA).
Issue: Can't contact lender or servicer

Complaint: I 'm trying to link my bank to Activehours systems and it 's saying I have the wrong information and to contact your agency

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2011 I purchase a new phone at a XXXX store in XXXX. At this time my contract was at a end with XXXX. I ask the young lady if I bought a new phone do I have to sign a new contract. She told me NO.. so I picked out a new phone. I purchased the phone with cash. During the purchase she had me to sign some papers. She told me the paper work was stating that I did n't want insurance on the phone. Almost 1 yr later I decided to switch phone providers to XXXX I went to XXXX in XXXX XXXX to cancel my service and they said I was under contract and would have to pay alot of money to cancel. I should have been out of contract for more than a yr or so. The worker in XXXX miss represented XXXX and con me into signing a new contract. I should not owe this money. I am a honest man that would n't do anyone wrong but I have been miss lead.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage refinance and Loan Depot pulled my credit three times : On XXXX XXXX, 2015, XXXX XXXX, 2015 and XXXX XXXX, 2015. This has resulted in a major drop in my credit score. What can be done about this? I purchased a car and they pulled my credit two times! Unbelievable what impact this had and will cost me in additional interest now that I am trying to purchase another home!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: A California state tax lien was filed in error against me in XX/XX/XXXX and recorded in XXXX County for a total amount of {$2500.00}. The Ca FTB claimed I never filed taxes for tax years XX/XX/XXXX and XX/XX/XXXX and began sending notices to an adress I DID NOT LIVE AT NOR EVER LIVED AT so I had no way of knowing about the proposed lien nor was i given a fair opportunity to respond to and clear up the proposed lien by simply refiling my tax returns for those two years. I only learned of the liens ( XXXX In XXXX XXXX County, Ca and XXXX in XXXX County, Ca ) after personally checking my credit reports from all XXXX bureaus after being denied credit XX/XX/XXXX. I began contacting all XXXX credit bureaus shortly thereafter and after sending indisputable proof the liens were filed in error XXXX removed both tax liens, XXXX XXXX removed both tax liens ( After a long, drawn out brutal struggle ) and Equifax removed the XXXX XXXX County filed lien. I owed very minimal amounts for XX/XX/XXXX and XX/XX/XXXX ( Approx {$130.00} total which i sent money orders for both amounts on time during those tax years ). After refiling tax years XX/XX/XXXX & XX/XX/XXXX the Ca XXXX waived all penalties and interest and i was left to pay a very small recalculation for tax year XXXX of {$35.00} because i calculated wrong during my addition/subtraction of tax owed. The {$2500.00} was tax i owed for both years but i had sufficient monies withheld to cover both. I have submitted to Equifax by fax 1. Original FTB Notice of intent to file state tax lien which clearly shows the WRONG ADDRESS so i NEVER received ANY NOTICES. 2. An original copy of my XX/XX/XXXX XXXX which also clearly displays my correct XX/XX/XXXX home mailing address. 3. Original copies of my XXXX & XXXX Ca state income tax returns showing amounts owed. 4. A copy of my FTB payment history which shows i paid a total of {$35.00} for tax year XX/XX/XXXX and shows i did NOT owe anything for tax year XX/XX/XXXX. I have disputed this information at least 5-6 times and Equifax refuses to inform me how they conducted their investigation and states it is in fact a correct filing whereas the Ca state FTB even stated they were in error but since it was already filed its part of public record. This lien filed in error has prevented me from obtaining credit and is the only black mark on an otherwise perfect credit report. After much researching I have found Equifax has engaged in unfair and illegal practices regarding investigations into correcting consumer information.

Company response to consumer: Closed with explanation