milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2018 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (WA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Hi, This issue is with regards to Wells Fargo savings account. 

I was charged a fee of {$15.00} for going using my savings account to make 7 withdrawals. Apparently, I am only allowed to make 6 withdrawals ( even though its my own money Im accessing ). I was not informed of this when I was basically pressured into opening a savings account ( Im sure you are aware of Wells Fargos deceptive account policies ). 

I would like my money back for a rule I was not informed about nor warned about ( and frankly this rule shouldnt exist at all! ). 

Thank you 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 monetary relief
Consumer complaint received 05/13/2016 about Bank account or service (Cashing a check without an account) with U.S. BANCORP (CO).
Issue: Making/receiving payments, sending money

Complaint: In XXXX of 2015, when I opened by bank statement I found that {$38000.00} had been removed without my knowledge or permission. Since that date, I have received from USBank just over {$6000.00} in the electronic checks that were fraudulently removed but still have a balance owed to me of {$26000.00} of which no one will tell me of a potential date to be made whole. Last time I filed a complaint with cfpb I did receive a reply from USBank stating they were sorry I was unsatisfied with progress but they will continue to plug on. It has been 10 months with really no progress, or communication other than the response to the inquiry from CFPB. I wrote to the same person who wrote to me again with no response. I have called and will continue to call their fraud line for any update but none seems forthcoming. If you could once again request that they update me I would be appreciative. I look forward to some kind of progress with this loss. OR if you or USBank could suggest a way to assist in this recovery.

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 02/27/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: Loan no : XXXX with Mr Cooper aka Nationstar mortgage. 
An error was made in my XX/XX/XXXX and XX/XX/XXXX payments. Payments should be {$930.00} but in error {$960.00} was charged due to their calculating my ARM index margin incorrectly. The loan is tied to the 6 month CD index. This in spite of the 6 monthly ARM notice clearly indicating {$930.00} being the correct payment. Although I have made repeated requests they seem unable to fix the problem. The solution is simple reverse the incorrect monthly payments and replace with the correct principal and interest and apply the overpayments to principal. 
The errors although small in $ terms pose questions about their internal controls. Why are they able to make payment changes in contravention of the 6 monthly ARM notice and why are they not able to make a correction within the timeliness requirements as required under RESPA.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (AR).
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint: What can I do to get the help that I need I made a transaction with the checking account side of my netspend cardXX/XX/XXXXfor XXXX $ onXX/XX/XXXXit came back that the bank dishonered it I then made a XXXX $ payment from the same acct transaction posted to utility company never came out of account. I contacted card company was told the transactions were never made because they are not in the history. I argued with this company about an hour and a half or more. I was treated disrespectfully got put back into the que line until another representative picked up I asked for a supervisor was disconnected, I called back asked for a supervisor or someone who could tell me why this happened got transferred and I let the phone ring for a good 5 minutes or so before I hung up and called back then I just kept getting repeated answers of the chrgs are n't in your history we ca n't help. Was n't even offered a dispute or payment inquiry nothing.i do have pictures of the dishonered letter my transaction history and where payments posted to other account if you want them.

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 08-03-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Struggling to pay mortgage

Complaint: A COMPLETE modification package was sent in on   XXXX   XXXX  -2017. Please see attached email/Proof. Nationstar confirmed they had the modification package.
On  XXXX - XXXX -2017 Nationstar stated they would NOT review the file as the sale date Of  XX/XX/XXXX  was too close and 37 days was needed for them to review the file.
The sale date was postponed until   XXXX   XXXX   2017 by Nationstar, yet Nationstar refused to review the documents that were initially sent in on  XXXX - XXXX -2017. We spoke to a Nationstar regarding this issue and they refused to do anything!!! It is very apparent that Nationstar is discriminating against   XXXX   XXXX   based on his race, ethnicity, language, national original. There is not tangible reason why the review process was NOT started back in   XXXX    when Nationstar first got the file. Our office has been disconnected on several occasions by Nationstar employees. The poor communication from Nationstar clearly indicates they simply does not want to review the file for a possible work-out solution. By unreasonably and unnecessarily delaying the modification request,   XXXX   XXXX   continues to get farther and farther behind on the mortgage payments. Nationstar denied the workout request based on inaccurate information and refused to take remedial steps to provide a qualified homeowner with a solution to save the home.
The events described above are just a sample of the practices that are taking place at Nationstar. Nationstar appears to be more interested in foreclosing on homes and fire selling them at auction to make a profit. It appears that Nationstarss lack of participation in a meaningful modification review of Homeowners file indicates a preference to profit directly from his hardships.
At this time, we are demanding the sale date be postponed to continue the review or   XXXX   XXXX   will assert his legal right in district court naming  XXXX  as a defendant.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NY).
Issue: Unexpected or other fees

Complaint: I filed a Demand for Arbitration with the XXXX XXXX XXXX in a matter with Netspend. Netspend’s cardholder agreement requires arbitration in matters of disputes. Netspend has failed to pay the required arbitration costs so that the case can proceed. Failure to pay these fees are a breech in the arbitration agreement.The XXXX XXXX XXXX case number for the matter XXXX vs Netspend is 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 05-10-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: Capital One keeps calling me on Sunday. I had complained about this nearly a year ago and was told they would not call on SUNDAY. I am not nor have I ever told them not to call at all. I just said not to call on Sunday. It is not legal for them to call me on Sundays!! They are calling yet again on Sunday. They also refuse to remove the charge off from my credit report. They are missing the extension that was done XX/XX/XXXX which was credited to my account and they refuse to correct the charge off. That extension and the {$100.00} extra PRINCIPLE ONLY payment I sent were not applied. They did not apply the extension at all for one, which puts the payment they say was over 120 days under 120 days and therefor can not charge it off. I had made 2 payments with them XX/XX/XXXX and they turned around and charged it off in XX/XX/XXXX with NO notices to me. They say they sent them and even generated some FALSE notices I NEVER GOT. They did not apply the {$100.00} credit I sent for PRINCIPLE ONLY properly, they put it on interest which WAS NOT for interest. They REFUSE to listen to me and correct these things and NOW they are calling again on Sundays!! I am not saying do not call, I am saying do not call on SUNDAY! I am saying they must correct my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Reporting absolutely accurate personal information from multiple sites, Tried different addresses for time frames, formats, comma 's, hyphens, Equifax ( who I used to pay, and they had no problem then ), XXXX, and the " infotainment '' site XXXX, will authorize me without writing in with a copy of my drivers license ( for all the world to see ). As I prefer not to put out my FL high security D.L. is their any other method, or is that their way of getting me to pay for what they advertise is free? I 've double and triple checked everything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My Loan is with Navient. I have XXXX loans totaling $ XXXX which were opened in XXXX. I did not get to finish school or graduate. I have been a single mother all these years and not gotten child support regularly so could not afford payments. Deferrments ran out. I Was not aware that I had an IBR back in XXXX because the repayment amount was {$0.00}. I have applied and been approved for a new IBR which began XXXX for {$31.00} and that I have paid. I have called customer service twice because the still have a past due amount showing which they are adding late fees and not showing anywhere that i have the IBR. My call on XXXX/XXXX/XXXX I was told if I enroll in auto pay, that they would erase the past due status and only take out {$31.00} on the XXXX of every month. Today I get XXXX emails saying different crazy things so I checked on my account online and they show that they will be taking {$150.00} out of my account with auto pay on XXXX/XXXX/XXXX!!! I calle dand spoke to a customer service agent and she just talked over me at first then researched why they changed the payment amount. She came back on the line and said that my account online will show that they are taking out {$150.00}, but not to worry they will only be taking out the {$31.00}. I have tried to call and work with them since XXXX of XXXX and they will say one thing one day and something different the next. I have documentation that they approved the IBR and the amount. But they will not reflect it on my account anywhere. The customer service agents do not speak very good XXXX and they are rude, nobody wants to help you. How can they cheat people who are really struggling and trying to make good on their debt. I make {$13.00} per hour and that is what I live on as a single mom. Please help in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to answer the identity validation questions because they do not pertain to any past credit accounts I have ever owned or opened in my name. I was unable to answer the security questions in order to see an on-line credit report for Equifax. Due to non-existent accounts asked about my identity questions. I was able to answer and view my credit reports for XXXX and XXXX with no issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I recently got a copy of my Equifax credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified.

As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This debt was included in a bankruptcy years ago!!! It has already been deleted from my XXXX credit report and still is showing on my Experian credit report Ive called many times and no resolve!!!!

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 04/15/2015 about Bank account or service (Checking account) with FIRST NIAGARA FINANCIAL GROUP, INC. (NY).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XX/XX/XXXX, First Niagara Bank sent me an E-mail to my employee E-mail account, requesting I provide them with a signature card for my employee checking account. This had caused me alarm as I had already provided them with said item on XXXX XXXX, XX/XX/XXXX. When I had expressed my concern that a document containing my signature and account number had gone missing which could possibly compromise the security of my account and information, and that I would have to possibly close my accounts for security reasons, I was terminated from my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Re : XXXX On XXXX XXXX, XXXX, I booked a round trip XXXX XXXX ticket from XXXX to XXXX using my XXXX XXXX XXXX XXXX rewards points. 

Trip ID : XXXX Flight Confirmation # XXXX Agency Reference # XXXX Upon arriving at the airport during the check-in process I was advised by XXXX no ticket or reservation was associated with the email confirmation number provided to me by XXXX XXXX XXXX. In order to travel on the flight I was required by XXXX to purchase a new ticket at check-in for the amount of {$770.00}. Unfortunately, the XXXX XXXX XXXX XXXX failed in its fundamental service of arranging travel for a very important trip. Travel rewards are a central part of the XXXX XXXX XXXX benefits and the main reason I signed up for the card. I was forced to pay out of pocket {$770.00} and go through an extremely stressful event in almost missing an international flight because of the error. I also never received reimbursement for the reward points I used to book the original flight. 

I am further disappointed because, upon contacting Chase customer service and sending the XXXX receipt on XXXX XXXX, XXXX, I was promised by XXXX XXXX XXXX that I would receive a check reimbursement for {$770.00} via mail within 14-20 business days. Nearly 50 business days have past and unfortunately I still have not received reimbursement for the error. 

I originally reported the error over the phone on XXXX XXXX. I followed up via phone on XXXX XXXX and complied with the request to send an email receipt from XXXX. I followed up again with Chase in writing via the secure online emails system on XXXX XXXX. I followed again via phone in the middle part of XXXX and again on the XXXX of XXXX. On the XXXX of XXXX I explained I would be filing a formal complaint if I did not receive reimbursement. Again, for the 4th time, I was promised a check in the mail. On XXXX XXXX I followed again with Chase in writing explaining the situation and asking for written confirmation of when I would be receiving the check. I received no response from the travel rewards department to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WESTERN UNION COMPANY, THE (MA).
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 disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 
My Loan was to be paid by XXXX XXXX XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XXXX XXXX to XXXX XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX  They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (AZ).
Issue: Deposits and withdrawals

Complaint: I currently bank with XXXX XXXX XXXX ( which is an online bank ). I wanted to cash a XXXX XXXX money order ( NOTE : This was a MONEY ORDER - NOT a check ) and yet USBank would not cash it for me because I did not have an account with them! I then took the money order to XXXX XXXX and had them tell me the same thing, " we can not cash a XXXX XXXX money order ''. Even after I explained to them that a Money Order is as good as cash, as it has to be purchased WITH CASH! What on earth is happening in our society when we can not go into a banking institution and have a MONEY ORDER cashed without having to be a depositor of that banking institution! This is highly unacceptable and absurd! I demand to know why I should be discriminated against simply because I do not bank with these XXXX banking institutions! And, because I do most of my banking online, my online bank allows me to make deposits through the US Bank ATM, however, I found out that they will hold these funds for up to 24 to 48 hours before making them available to me, which is highly inconvenient! And the reason that I no longer bank with USBank and XXXX XXXX is because I was getting " fee 'd '' to death if I did not keep a 'minimum ' balance in my savings accounts. I am tired of being held between a rock and a hard place by the banking institutions! I should not be required to have a bank account in order to get a MONEY ORDER cashed, as this is absurdly ridiculous!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: A counterfeit check was written on my business account in the amount of {$4800.00}. The check was made out to a business and it was cashed. The signature that was supposed to be mine was n't even close to resembling my signature but Bank of America is stating that they can not recover the funds. I feel that it is their mistake and no they should return my funds.

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 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcy listed with XXXX, XXXX and Experian has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide

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 EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Supposedly I owe the amount of {$310.00} dollars to collection agency XXXX XXXX XXXX XXXX. At around the time in question I was still out of it, and was on some XXXX medications from my XXXX  XXXX. I had XXXX XXXX XXXX, and am still XXXX from my XXXX XXXX. I would love to see the paperwork or some kind of proof that it 's mine, I could n't even have signed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Payday loan, title loan, or personal loan (Installment loan) with GENTRY FINANCE CORPORATION (TX).
Issue: Problem when making payments

Complaint: This is now my 3rd complaint regarding XXXX XXXX in XXXX, Texas on XXXX XXXX XXXX. I am still getting calls at my job and my references. I have asked that the only form of contact I would like to have with this company is by mail. I have sent a letter in writing asking them to do so and they seem to disregard it. I have sent the CFPB copies of the letter I submitted and the letter they left at my job. There harassment is causing me to almost lose my job because they are not only calling the phone number i provided to them for my job, but they are also calling my emergency maintenance phone number which i am not too sure how they got that number. Here is the complaint number on the last complaint I made XXXX, also here is the complaint number for the first complaint XXXX. Again I do not want this company to call my job or my references. The only form of contact is by mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation