milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with BB&T CORPORATION (SC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I purchased my mortgage in XXXX XXXX. I XXXX my husband applied to get a mortgage in his name. The same property and the same d the mortgage company, BB & T. Everything was going good until a few days before closing and the mortgage company called sayig that they could not do the loan because our home was not attached to the piece of property. I called and the loan officer did not think that the company already carried the mortgage. I gave him my account number and he quickly got off of the phone. Later that week I received an email asking if I could provide the vin number because the bank could not pull the correct title. I did not give the vin number. I went to the Dept of Motor Vehicles and found out that my home had never been titled in my state of SC. I proved the squatter law and had a title issued in my name to me. The mortgage company put us in default for not attaching the home to the land. We recieved the first XXXX XXXX in XXXX XXXX and then we didnt recieve anything until XXXX XXXX for a final decision hearing. We went and proved the bank wrong but no one would listen to us. The Special referee ruled in favor of the bank and we went to forclosure auction on XXXX XXXX, XXXX. I was the highest bidder but now I have to pay my bid to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I paid this account off twice payments are getting reversed to the account but the money is not returned to my bank account!

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 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i opened account on  XXXX  and never missed a payment until  XXXX  in  XXXX   XXXX  and since than i never missed a payment but they are not reporting my account positive since  XXXX   XXXX  it is still in the negative status

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: the company XXXX ( not trans union, XXXX.XXXX ) reported wrongful inquires on my bureaus. XXXX and XXXX of XXXX please these XXXX individuals misused my credit XXXX-inquireies

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 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck. XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company Midwest recovery systems, has purchased a debt that was closed out by the original creditor (   XXXX   XXXX   ). They have added it to my credit report and this is not acceptable. The debt was originally my  XXXX  year old son 's medical bill. The bill was supposed to be paid by the insurance company, this debt was closed out by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Medical) with CCS Financial Services, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This complaint is more of a good faith issue to remove harmful derogatory from my credit file. I have repeatedly as the collection agency to remove the harmful because the debt has been paid. I then called them and asked for the removal. The company was so negative and refused to help. This would help with the purchase of a new home if this collection agency can be removed.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had a loan with XXXX now Navient close to 10 years. I never missed a payment for the entire time. They raised my payments and did n't notify or inform me they were going to do that. My payments were on autopay from the bank and were paid on time every month. When I finally figured out they raise my payments, it was too late and they put it on my credit as me being late! Once I found out, I paid the loan off in full. I do n't pay stuff late and they have affected my credit score severely! I 've called and they will not work with me on it, or remove the late payments! These people are crooks and want to keep young people in debt for life!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with U.S. BANCORP (WI).
Issue: Deposits and withdrawals

Complaint: Regarding a Closed US Bank Checking. 
I am filling a complaint against US Bank. 
This is an in response to US Bank placing what they think is amount owed on an overdrawn checking account in Collections with XXXX XXXX XXXX. The current amount placed in collections is {$700.00}. 
The majority if not all of the what US Bank claims is the overdraft amount was caused by OVERDRAFT FEES. What has happened is that on one day the US Bank online site that I can access shows that I have a positive balance with my direct deposit being credited to my account that day. Then I would pay bills and get cash at an ATM. One time I Withdrew Cash from an US Bank location in XXXX, WI. I was given the cash by the drive thru teller. This was a Saturday and then on Monday the deposit date changed to that Monday and I was charged an Over Draft Fee of {$36.00} for that. This scenario has happened numerous times. The Bank Manager ( XXXX XXXX ) at the US Bank XXXX office stated that the teller should not have given me the cash. I am fairly certain that the teller also had seen that my account had a deposit that was credited to my account and then gave me the cash withdrawal. 
I am including a Screen Shot of what I saw on the Saturday morning on US Bank 's online site. 
I am also including the same Screen Shot with notes on it in red that shows the overdraft fees that were charged while my account was positive. This is the only screen shot I have but this scenario has happened multiple times which is the reason my account became negative {$700.00}. In fact fees were charged twice on checks that were returned NSF and then re-submitted. 
If that money is not available it should not say that it is available. Why should I be charged these fees due to US Bank 's faulty website? 
I am demanding that the {$700.00} that was placed in collections be zeroed out and be removed from collections. If anything US Bank owes me money for the fees that vendors charged my on returned checks that should not have been returned.

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 10/31/2016 about Other financial service (Check cashing) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Excessive fees

Complaint: I was inaccurately informed about how a bank was cashing a check of mine. I use a fifth third product, prepaid service called access XXXX. Fifth third sells this product but does not service it and fails to tell you this till something happens. I will at times cash checks and then put the funds into my XXXX access account, I had been told by 53rd that I had to cash the check and could not deposit it directly on to my XXXX access also since this was a product not serviced by 53rd I would be charged a check cashing fee. I agreed to a fee of {$4.00} and had been paying this fee each time I cashed a check to deposit it on to my card. This had been this way for over a year on this account. 

On XXXX/XXXX/16 I had tried to cash a personal check and the teller at 53rd was trying to sell me on an account called express pay. The teller told me it would cut my check cashing fees in half and save me money. She stated it would be quick, I agreed to talk with a banker and switch thinking it would save me. The teller when ahead and cashed my check and charged me an {$8.00} fee for cashing. I did not know this till after she brought my cash into the banker office, she did not tell me the fee was {$8.00} and in the past I had never been charged this much to cash. 

The teller was very rude and was the person who had pressured me into signing up for the express pay since it would " save me fees '' which it never did. I was inaccurately informed on the check cashing fee and was actually never given a fee amount before agreeing to allowing 53rd to cash my check. 

I had in the past found the XXXX access product to be a scam sell by 53rd as they do not service the product and do not inform you this at the time of signing up. I have in the past dealt with fraud on my XXXX access and it took weeks to get refunded and my money to be released. 53rd fails to inform you that you have to work with a different party to resolve any XXXX access issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I wanted to start. College XXXX 2016, so around XXXX I requested my free annual. Report I needed to finance a new car for school. I was told I would be receiving my free report within 14days. Well still nothing I 've called several times only to be hung up on and then transfered. To 5different. People where. Again no report. Last year I ordered it and nothing so I wanted to be paying off my bills which I would have got a new car financed but I did n't get financed and the letter states it 's because of experian and Equifax reporting so I could n't start school could n't get financed for a car and what does it matter to 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 09-12-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Trouble during payment process

Complaint: Wells Fargo took a majority of my payments and put them in Suspense and then brought then out of suspense on a date that made them LATE. Which Then they removed a LATE Fee from the full or more principle payment. THUS they would NOT accept the PARTIAL payment that THEY CREATED. They did this on and off for almost a year. Thus they made me in Look like I was in DEFAULT. 
I filed Chapter XXXX to put a STAY on my account so that they could not proceed with the foreclosure, while I tried to prove to the Bankrupcy Court that I was  NOT in Default. I proceeded with a Proof of Claim hearing which they regularly " continued '' so it took over 8 months until I could get to tell a Judge that Wells Fargo Home Mortgage was scamming my account.That hearing never occurred because their attorney never let it go through BECAUSE attached to the Motion for a Proof of Claim hearing was an Audit from the District Manager of XXXX XXXX XXXX XXXX. Who was willling to be a witness and submitted the audit of the Mortgage account that showed I was 2 PAYMENTS IN ADVANCE AND WAS NOT IN ARREARAGE AT ALL!!!!! 
ALSO while I was in the Chapter XXXX STAY ( freezing my account ) Wells sold, by way of ASSET BACKED SECURITY CERTIFICATES to XXXX XXXX My frozen account!!!! 
The reason Wells Fargo Home Mortgage did this to me was 1. My property appraised for {$360000.00} and I only owed {$120000.00}. 2. I worked at Wells Fargo Home Mortgage for 6 months because I was SICK of how they handled un knowingly, innocent Borrowers Accounts. And could Not stand to be so Unethical to work there, so I QUIT. They were demanding that I sell 125 LTVs and the Crash of 2008 was on the horizon and predicted and very evident. 
I was on the team that created XXXX XXXX XXXX used all over the United States and was in the Mortgage Business for over 17 years and have work at Many Mortgage Brokers and Banks BUT this was completely UNETHICAL and Fraudulent and hurt me beyond belief. And my life NEVER re couped from this huge fraud LOSS created by Wells Fargo Home Mortgage 's, bogus servicing tacits, and foreclosure scam.

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 08/13/2017 about Credit card or prepaid card (Store credit card) with WELLS FARGO & COMPANY (TN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: In XX/XX/XXXX, Wells Fargo posted on my XXXX XXXX billing statement that my 6 month 0 % apr promo period was ending. My account was created in XX/XX/XXXX with a 1 year promotional billing period. When I submitted a complaint to Wells Fargo, they acknowledged an error and said that my promo period should have in fact been valid until XX/XX/XXXX. According to the policy on the back of the bill, if you submit an error to Wells Fargo, and they determine they were wrong, you will not pay any interest or fees on the amount questioned. Regardless of this policy, in XX/XX/XXXX I was charged an astronomical interest fee, at which point my {$200.00} balance reflected a {$140.00} interest fee. When I contacted customer service, he indicated that this is the interest on my amount owed in XX/XX/XXXX when my promotional term expired. I informed him that my promo term expired in XX/XX/XXXX, not XX/XX/XXXX, and that was an error I had previously disputed with Wells Fargo, so I should not have interest at all. He continued to assure me that the amount in question was correct, even though the amount which reflected an interest payment ( XXXX ) was never indicated as an amount owed at any time in my billing history. There was no further explanation on the bill. The rep then proceeded to calculate various numbers to find where a {$140.00} interest charge would come from, but he could n't pinpoint an amount that would yield this interest charge. He stood by the fact that the bill was correct, despite the fact the amounts were so deceptive that he could not even explain it. He then pushed the Average Daily Balance as the reason for my interest charge, claiming I was charged interest on my average daily balance for the previous month, but instead of explaining this to me, he continued to say it was too complicated for consumers to understand how they calculate how much they owe. I requested this complicated algorithm, because as a consumer you have a right to know what you are paying. Evidently, these things are so deceptive, it is a secret. According to the billing error policy, I should not have interest at all, yet Wells Fargo is attempting to deceive me into an extra profit for their company. I have written a letter to complain about my interest charge, since it should be {$0.00}, but have not yet received a reply.

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 02-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of 2015 my wife and i decided to purchase an investment property in Florida. We bank with Wells Fargo for our personal banking so applied for a loan ( looking for prequalification ) to purchase a condo at price around {$250.00} XXXX XXXX XXXX we found a property made and offer and had it accepted partially because we were prequal 'd for the mortgage. We then went to to Wells to get the mortgage processed. We submitted additional information requested and after 30 days were told Wells would not do the loan even though we offered to pay a 25 % down payment Prequal was based upon 20 % ). We now find ourselves having to scurry to find alternative financing or lose our earnest money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage through XXXX XXXX XXXX for a home in MD. I was approved for a DEED in lieu. The paperwork was done and processed XX/XX/2016. Bwi financial services notified me they were taking over loan on XX/XX/2016. I called and notified them I was in a deed in Levi and it has just cleared XX/XX/XXXX. They said okay they will make note and I notified them they needed to stop calling and mailing me items. I do not own the home any longer. They have continued to mail me sending letters and bills. I called a gain and told them to stop. I just received another bill. I called again this morning and they said the person is XXXX who is in chnarge of the account. They said he is not in but will have to call me again. I do. It own the home and I do not want to be harassed. BY BSI because they are not organized. They need to deal with XXXX XXXX XXXX and figure this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: the mortagage company paid back taxes and then doubled our mortgage payment. being current on property taxes is required by this mortgage company but was not when we took out the original loan from another mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (CA).
Issue: Closing on a mortgage

Complaint: I contacted this company on XX/XX/XXXX in order to requests a payoff statement and a finance worksheet in order to reapply for a reverse mortgage. I did my original reverse mortgage in XXXX and a second in XXXX. The value of my home has increased significantly and I decided to do a third reverse mortgage, more as a precautionary move than necessity in case the market has a turn down as it did in XXXX. During the processing of this loan it was discovered that the deeds for the XXXX reverse mortgage were accidently recorded twice with XXXX XXXX XXXX 's XXXX. The deed # 's are as follows : XXXX, XXXX, XXXX, XXXX. 
The last XXXX deeds are identical to the first XXXX with the exception of the recording # 's. It makes it appear as if I have XXXX mortgages when I in fact have only XXXX. Until this is taken care of I can not sign off on my new loan. Everything on the loan is ready to go, and has been now for five weeks, with the exception of this issue. The last XXXX docs need to be reconveyed. The rest of the information is outlined in the attached letter sent to the Customer Service XXXX on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Roundpoint failed to pay the yearly premium for our homeowners insurance that had been coming out of our mortgage monthly payment. Upon calling them several times, we found out that they " forgot ''. In order to reinstate our home owners insurance, we had to pay a fee which we are now fighting to get back from Roundpoint. Today we made several unsuccessful attempts to speak with someone regarding this matter but were continuously rerouted, hung up on and given the run around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i contacted walmart and the manager there said she would send me a letter stating that this account can be deleted from my credit bureau but now they are saying they can not do that even though they did send me a letter saying that the account can be deleted so XXXX credit agency contated them to dispute it and awalamrt is saying no it can not be deleted but i do have the letter from walmart stating that it can be deleted im furious i need this item to be deleted so i can get my apartment waith my kids

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Capital One. I explained I would be off work without income. My account has never been late. The representative informed me that they could not offer any assistance until my account became 60 days late. I was livid and began to complain and spoke to a supervisor. Fast forward after being late, Capital one contacted me. They informed me they would reinstate my account if I brought the account current and delete the previous lates. I brought the account current and they reinstated my account but never deleted the lates. if a consumer contacts a creditor before being late, there should have been something that could have been done. It is unethical for a company to tell u that u must become late in order for assistance. The XXXX that I had were due to me having XXXX. the LATES DO NOT REFLECT MY CREDIT WORTHINESS. pLEASE REMOVE

Company response to consumer: Closed with non-monetary relief