milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Late fee

Complaint: Today ( XX/XX/XXXX ) I called Barclay Card to make a payment @ XXXX EDT today the customer service # XXXX stated that no automated service was available and to call back later. There was no option to reach a customer service rep either. I called a direct phone number I had to reach a representative. The AVR system ask for last for digits of SS #, my DOB, account number. I was then directed to a collection department. The person by the name of XXXX answered, proceeded to ask me again for the same information I just gave to the AVR system. I refused to give him this info because I had just given the info already. He refused to help me because I refused to give him such info. 
I placed a call to XXXX at the office of the President to share my experience. I left her a voice mail. On XX/XX/XXXX I spoke with XXXX who informed that she would be reversing all the late charges, due to misunderstanding. She also indicated the late charges would take some time. For a while I received some collection calls, as she stated would happen. But, when I called today to make a payment, I was told that the account was past due. A 2nd call today was answered by XXXX, again, XXXX and then Manager : XXXX both refused to render any customer service because I would not repeat info I had just given to the AVR system. I feel Barclay Bank deliberately antagonizes customers. I DO NOT owe Barclay any late charges. I would like to have my account balance restored and originally agreed by XXXX. I want any 30 day lates removed from my credit report and confirmation of such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: A few years ago I was fooled into attending online classes from XXXX university. The classes were worthless and the credits were not able to be transferred to a local university I decided to transfer my degree to. I was under the impression that my loans were all federal, and all through XXXX. I recently had to file bankrupcty and I was aware that my federal student loans were not going to be discharged, and after I received my discharge papers I sat down to go through the mess of student loans. Now all my loans seem to be serviced by navient, including XXXX loan in particular that is a private loan for XXXX university. This loan in particular is listed as a private student loan from XXXX university. There was a lawsuit against the original servicing company and I have already filed for bankruptcy personally. I have spoken with representatives from navient and have repeatedly requested the promissory notes and loan documents but they refuse to provide them. They simply state they have my social security number and am liable for the debt. I was rather naive regarding attending XXXX university and at the time they had all the bells and whistles that made it look like they were going to be a fair and advantageous school to attend. I was sadly mistaken.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Bank of America ( possibly other banks ) use antiquated timeframes for transactions to clear my checking account when using my debit card and/or routing number with bank checking account number as an electronic funds transfer/transaction forcing me to wait XXXX hours or as many as XXXX hours to show online and deducted from my available balance. This causes me to waste my own personal time, which is money, and my ability to enjoy my life, pay for items I need such as food, transportation and clothing. Think about it, before I can conduct a transaction the cashier or online website must contact the bank to verify I have the funds to complete a transaction in seconds. However Bank of America does n't have to show it online in my bank account for 1, 2, 3 or more days, possibly 5 business days ... how is this even legal in the digital age? If I am using an old fashioned method like a paper check maybe, but even then the casher runs my check through an electronic machine to verify I have the funds ... then why are n't banks like Bank of American required to show the amount verified and reduce that from my available balance immediately? We consumers need this and in this digital age we all know it is possible. For example, when I pay my XXXX cell phone bill it clears my Bank of America account almost immediately ( less than XXXX minutes online with my checking account ). Why do n't all my electronic transactions clear like this, there is no reason other than Bank of American holding out as long as possible to post the transaction to earn interest on millions of account holders or worse to cause us to forget we made that transaction so we have to go into overdraft and pay {$35.00} in overdraft fees, or even worse still up to {$100.00} in fees if there are insufficient funds and both Bank of America and the vendor I was trying to make a purchase charge me $ XXXX {$35.00} insufficient funds charges and still do not pay for the transaction! I need someone like the CFPB to make sure Bank of America makes all electronic transactions " electronic '' and in " real time '' like my XXXX online payments to clear and post within XXXX minutes not 1-3 days. This is costing me time and money, it is wrong in todays world. If my account can be verified for available funds in seconds then when that same transaction is completed that must appear as reduced from my account at that moment not 3-5 business days later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Settlement process and costs

Complaint: Bank of America I requesting your assistanceAt anytime XX/XX/XXXX - XX/XX/XXXX did Bank of America acknowledge XXXX XXXX XXXX as owner of property located at XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
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: THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX XXXX COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Struggling to pay mortgage

Complaint: My household income changed and I was behind on my mortgage. I tried for over a year to complete the modification process. Each time they had me start over and submit new documents. Eventually, while I was actively within the underwriting part of the modification process, Chase sold my loan. I was forced to file a chapter XXXX to save my residence. I then applied for a modification through the new servicer and it was approved. I received a letter and a check from Chase this week stating that they made a mistake in giving me time to complete the process and gave me {$100.00} for the inconvenience. Based on the trauma and their practices, now this check, I think there is a bigger issue here.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Bank account or service (Other bank product/service) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: Dear Sir or Madam : I am writing to file a complaint against HSBC Bank, NA for failing to provide me with a service routinely available to its richer clients. 

XXXX What HappenedThe service is a medallion signature guarantee - in effect, a stamp from a bank or other financial institution that guarantees my signature, and has checked my ID to confirm that I am who I say I am. The bank is guaranteeing that I am not forging someone else 's signature, and will accept liability if somehow the signature turns out to be a forgery. 

Because a bank generally wo n't issue this guarantee to someone they do n't know, it 's best to obtain a signature guarantee from a bank or brokerage firm with which you do business. 

In my case, that 's HSBC. I have been a customer of HSBC for many years, and have a checking account there. ( I also have used HSBC for a business account for my small private business, which is no longer operating. ) I have lived in XXXX at the same address for almost XXXX years ( we own our house ) I am employed, and I pay my bills. 

Recently, my father has XXXX, and both he and my mother have signed power of attorney over to me. ( My father 's XXXX faculties are still acute, but XXXX ) They live in XXXX I live in XXXX. I have power of attorney over their bank accounts at XXXX Bank. 

My parents are not customers of HSBC bank. I am. 

And as a long-time HSBC customer, I expected the bank to guarantee my signature -- I came prepared with the signed, witnessed and notarized power of attorney docs, my XXXX state driver 's license and my XXXX passport, as well as the XXXX request for a signature guarantee. 

After some confusion -- the account executives at the branch on XXXX XXXX, XXXX XXXX did not what a medallion signature guarantee is -- the bank refused me this service after calling someone in operations in XXXX. XXXX in XXXX, who was also unfamiliar with the signature guarantee medallion, declined to provide this service because I was not transferring securities. 

It 's true that I am not transferring securities within HSBC, but I will be transferring securities as an agent for my parents ' financial affairs. 

There is probably no law that compels HSBC to issue the stamp. But this type of service is routinely provided to banks ' and brokerage firm customers as a courtesy. 

I can only conclude that HSBC is withholding this service because I am not a rich enough customer. 
Desired resolutionI want someone from the bank in the greater XXXX area or XXXX to issue a medallion signature guarantee ( guaranteeing my signature ) so that I can complete the process of becoming agents with power of attorney to my aging parents. 

Thanks for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Auto) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Creditor is XXXX. it is listed as a collections account on my XXXX report. The subaccount name is the Midland fund. This debt is not mine. It belongs to my father XXXX XXXX XXXX who lives at the same address. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (WV).
Issue: Shopping for a loan or lease

Complaint: I am a XXXX yr old woman on social security. In 2013 I applied to credit acceptqnce for a car acceptance for a {$10000.00} dollar car loan. I swear I agreed to an 8percent finance fee ; they now claim I owe on an 18 percent loan! They call my phone every 1/2 hour from XXXX till XXXX every day I feel they are a " preditary lending group ''. And they 're preying on seniors & the poor. Are there any other complaints about this company/ And how can I find out about joining in on them? And how can I get this harassment to stop? It is starting to affect my health ( nerves ). I hate to hear my phone ringing Please advise me & warn others of this credit acceptance company I haver already paid what the car cost & am being harassed for the amount they say is finance charges. Thanks for any advice offered.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX - During my settlement on my current home address, my HUD-1 statement reflected prorated amount escrowed to Wells Fargo for my personal XXXX property insurance. 

XX/XX/XXXX - Received a notice from my XXXX insurance company ( XXXX ) that Wells Fargo did not pay my renewal for effective coverage to begin XXXX/XXXX/XXXX. 

XX/XX/XXXX - Executed several calls and spoke to various departments, staff, executive level at Wells Fargo to resolve with little coordination or progress. 

XX/XX/XXXX - To date, Wells Fargo has assigned a case worker who continually requests extensions to review my case for resolution since XX/XX/XXXX. In the interim, I have no coverage on my personal belongings, etc. from XXXX. In addition, I 've not been reimbursed for the duplicate payment made during my XX/XX/XXXX settlement for " utility assessment '' fee ( see attached email )

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Seterus, Inc. (IL).
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: For some reason my mortgage company SETERUS is not reporting my mortgage payments to the credit bureaus. I called to ask why they nonchalantly stated that they will fix it in approximately 30 to 60 days. I feel that this is unacceptable and there is no one that can help me resolve this issue at the company. I need them to report all 9 months that they have failed to report immediately. I realized that they only reported XXXX XXXX the next payment that was reported after that was XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I just called FedLoans to see what they offer to people who are relocating for a job. I have to relocate at my own expense, and can not afford pmts until XXXX after I settle in at my new location. They have nothing to offer. They offered a new repayment plan, which would have increased my repayment amount to something that I can not afford. I should not have to do all of that just to postpone my payments for a month to a month and a half. Can the CFPB help with this?

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MA).
Issue: Fraud or scam

Complaint: NO ONE CAN ACCESS THEIR MONEY. Customer service hangs up on you once you have waited an hour or more to get to them. People are losing their homes, jobs, cant eat, or pay rent. This is a disaster. UNIRUSH LLC/ RUSH CARD is by far the WORST EVER. FOLKS ' MONEY IS MISSING.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Problems caused by my funds being low

Complaint: To whom it may concern, I '' m filing this complaint against a CitiMortgage, in the hopes that you will assist us in resolving this matter. I have been in the process of selling my home for the last two months and on XXXX XXXX I spoke to XXXX, in customer service, and requested that ALL Electronic Fund Transfers of my mortgage payment be suspended. XXXX confirmed that there would be NO DEDUCTION for XXXX or XXXX. 

On or about XXXX XXXX, Citibank, did deduct the {$1600.00} per month mortgage payment. I spoke with XXXX on XXXX XXXX about this and was told that the funds would be replaced and that once again XXXX EFT payment will be suspended. 

This morning, I was notified by CitiMortgage, that my XXXX mortgage payment was taken again and that I have overdrafted my account. 

Not only is this causing serious financial issues with me, but it 's also causing a tremendous amount of XXXX. I 'm asking for your assistance here in dealing with this matter once and for all. Please contact me at your earliest convenience -

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (GA).
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 am disputing the following account with XXXX XXXX/XXXX   account number XXXX this account was paid in full some how the update did not take place with XXXX Credit Reporting this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Student loan (Non-federal student loan) with Social Finance, Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have a refinanced private student loan I took out with SoFi, which I took out under the pretense that I could take advantage of an income-based repayment plan. For the first four years I have had the loan, I was able to make good on this program, and was annually provided with an IBR application issued for US federal education loans ( despite the fact that the loan was a private loan ) by their servicer Trustudent. In all that time, this program was always referred to as an income-based payment program, and I was never informed of any limitations on how long I could take advantage of it. In 2015, SoFi changed their servicer from XXXX to XXXX, and XX/XX/XXXX I was informed that my payments would be effectively doubling within the next billing period. When I asked why I had not been provided with IBR paperwork, the servicer informed me that no such program existed. After several phone calls with SoFi over the course of two weeks, I finally learned that SoFi had not, in fact, had me on an IBR plan but on an interest-only forbearance. This was despite the fact that this was never communicated to me in correspondence or writing. I have spoken with an attorney who says this could be a case of deception in a consumer product, and I would like to see XXXX records examined to understand what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Mortgage (Conventional fixed mortgage) with WELCOME HOME FINANCE (PA).
Issue: Settlement process and costs

Complaint: We did our mortgage through Welcome Home Finance. I had asked several times for the appraisal prior to closing. We did not get the appraisal information until we showed up for closing. I learned later that we were supposed to have been given that information no less than three days prior to closing. The appraisal was dated well before the three-day prior date, so there does n't seem to be any reason for Welcome Home Finance to have not provided it to us. Maybe a week or two after the closing we were contacted by XXXX XXXX at Welcome Home Finance and told that there was a document that they forgot to have us sign. It turns out the document was a paper stating that we had been given the appraisal three days prior. XXXX asked us to back-date the document ( which I 'm pretty sure is illegal in ANY industry ) which we did because we did n't understand. We were first-time buyers and just wanted to be done and move on with getting our home settled. All they needed to do was to provide us the appraisal when it was done and they would n't have needed to go around the rules and ask us to sign and post-date a legal document.

Company response to consumer: Closed
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I submitted a request to XXXX to remove credit inquiries on my report that do n't belong to me. I 've called in reference to this ; they say they 've investigated but wo n't provide any proof to their findings. I submitted a dispute online and got the same thing. These inquiries do n't belong to me, they wo n't remove them, and they wo n't send proof that I approved the inquiries on my credit report.

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 12/26/2015 about Credit card () with WELLS FARGO & COMPANY (CO).
Issue: Advertising and marketing

Complaint: On XX/XX/XXXX I received an e-mail from Wells Fargo stating that if I use my Wells Fargo Credit Card via XXXX by XXXX/XXXX/XXXX, that I would receive a {$20.00} statement credit. Per the e-mail : " Get {$20.00} when you use XXXX to make a purchase using your Wells Fargo Credit Card during the holidays! XXXX Just check out in a merchant app with your new iPhone ( R ) 6, iPad ( R ) Air 2 or iPad mini 3, or look for the Near Field Communication ( NFC ) symbol at checkout registers in stores and use your iPhone ( R ) 6 Touch IDTM to authorize contactless payment easily. Make an XXXX payment before XX/XX/XXXX, and you 'll earn a {$20.00} statement credit. '' As you can see from reviewing my balance and from the attached screenshot, I made a purchase of {$21.00} using my XXXX XXXX on XXXX/XXXX/XXXX, which is before the XXXX/XXXX/XXXX cutoff date. However, I have wasted hours inquiring about the credit that I never received and was told by multiple people at Wells Fargo that they submitted a request and that I should receive the credit shortly. It has been over a year. I would n't have made the aforementioned purchase if I were not going to receive the credit. This is fraud! 

I will be happy to forward the e-mail for review. The Online Customer Service Code was : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief