milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: U.S. Bank Gold Checking account opened on XX/XX/XXXX with the condition that 2 bill pays were completed to receive a {$200.00} account bonus. Bill pays were completed on XX/XX/XXXX. I contacted U.S. Bank on XX/XX/XXXX and XX/XX/XXXX and was informed by 2 different representatives that the promotion was linked to my account and the requirements were met. I was informed that the bonus would be deposited by XX/XX/XXXX. The bonus has not been received.

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 08-04-2017 about Mortgage (FHA mortgage) with KEYCORP (NY).
Issue: Trouble during payment process

Complaint: I reached 80 % L.T.V. on my mortgage in XXXX 2016. I wrote and e mailed a request to have P.M.I. dropped to no avail. At 78 % L.T.V. it should have dropped automatically but it didnt. I have spoken to 10 different people at Key Bank about this and no one cares or does anything to rectify the situation. They gave an excuse that it was still in effect because I owed a {$45.00} late charge which never appeared in any of my monthly statements. I paid it and still I am being billed for P.M.I. for 15 months after it should I have been dropped. I have never dealt with a company that has treated me so poorly and has shown zero interest in resolving the problem. Currently I am investigating if what they are doing is even legal and looking into filing a complaint with the Attorney General 's Office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/29/2016 about Credit card () with CITIBANK, N.A. (VT).
Issue: Late fee

Complaint: Sears credit card : I mailed my payment in for the full amount of {$22.00}. The due date was XXXX/XXXX/16 ( a Sunday ). My payment arrived on XXXX/XXXX/16 ( a Monday ). My next bill showed a payment amount and a {$2.00} interest charge. I was confused because under late fee it said {$22.00}, but I sent in my {$22.00}, so I sent in the {$2.00} thinking that was because I was one day late. The next bill came and now it said I owed {$48.00}. I could n't imagine how so my daughter looked into it and we realized that they said I was late ( even though on this site it says that it should not be late if the mail is n't delivered on due date, and the payment arrives the next day ) AND that they had charged me a late fee of XXXX % of my due amount ( {$22.00} ) which was not only outrageous but confusing. So I called the account question phone number and they would n't do anything. In fact they tried to tell me that if the due date is Sunday I have to have it mailed there by Saturday. I have filed a complaint with them but am worried that they will continue to add charges OR if I pay it, they will not eventually reimburse me. Also, I ca n't imagine why their computers do not adjust for the due date on Sunday event where payments received by mail on the next day, Monday, should be considered on time, and therefore probably are illegally charging late fees to many people.

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 02-09-2017 about Mortgage (FHA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: My husband wrote a check out to Fifth Third Bank from his XXXX account to pay our mortgage. The check was solely intended to pay for the mortgage and is clearly noted in the memo (lower left corner of the check with my name and the Mortgage account number). Fifth Third Bank is holding these funds in my checking account, which is unfair! It is making my mortgage accrue interest and late charges that I should not be responsible for! Fifth Third Bank falsely (XXXX from the XXXX, Ohio branch) informed me today via telephone that the funds from XXXX were not available and if she made them available, I would be charged an additional fee. She ended the call with me shortly after that stating that she has "other customers waiting". I waited for service, too... My end result was getting hung up on. My husband called his bank and was told the funds were already cleared as of XX/XX/XXXX17. I want this resolved immediately and feel like I'm being taken advantage of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2015 about Payday loan () with Flurish Inc. (CA).
Issue: Can't contact lender

Complaint: My mother is a SSI XXXX recipient. Payday loans should not be extended to people who are either only getting SSI or XXXX are their income.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: ! ) forced placed insuranceBecause of forced placed insurance at a premium that is way above the market, followed by high demands of escrow account payments and suddenly substantially increased monthly payments, it was not feasible to make the excessive monthly payments. 
All payments have been made on time until HSBC started a forced placed insurance. 

2 ) check fraud $ XXXXHSBC wrote a check without my knowledge and without my agreement and debited my account. The amount was recovered, but it is still fraud by HSBC3 ) HSBC Loan No. XXXX wrong status / wrong interest rateThis loan has been documented by HSBC as a XXXX loan, but that is the wrong status because it is the XXXX and only loan on property address XXXX XXXX XXXX, XXXX, FL XXXX. 

As a consequence the interest rate is way too high at 9.375 % I have reported this error since a long time and several times but it never got corrected. 
The interest should be the same as on Loan No. XXXX which is 2.875 % 4 ) credit report disputeHSBC Loan No. XXXX and Mortgage Service Center Loan No. XXXX reported over 10 consecutive months ( from XX/XX/XXXX to XX/XX/XXXX ) the same mortgage but under XXXX different loan numbers to the credit bureaus. 
This caused that my credit score dropped significantly and damaged my credit history substantially. 
The false information has been corrected. 
HSBC and Mortgage Service Center are responsible for the damage ( loss in credit score ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a federal student loan for two years of XXXX, both with high interest rates 5.4 % and 6.8 % respectively. My loan term was 10 years with relatively manageable monthly payments, but in an effort to try to reduce my loans faster, I made several larger payments even before my grace period ended, and tried to make big payments so I could pay off my loan sooner than possible. When I was making bigger payments, I would manually enter the amounts I paid towards the principal and interest. I was told that using the autodebit function would reduce my interest rate slightly, so I went with that. I was recently reviewing my payment history and discovered that by using the autodebit function, I was in fact paying a lower and lower share of my principal amount. I spoke to my student loan servicer today and discovered that they apply the amount so that my last payment conforms with the end of my student loan term. That means that by paying more now, I 'm effectively giving more money to the loan servicer over the long term and when I asked if they would revisit my loan term, they said I could request it, but it would not be guaranteed. How is this legal? How can I be advancing my payments and they we able to extract extra money from me because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem adding money

Complaint: Bank of America limits the amount a customer may transfer to XXXX digital wallet to {$100.00} per week. I would like to be able to freely invest my money into a virtual currency which is independent of a large banking institution. Bank of America is curtailing my freedom with this arbitrary and self-serving restriction.

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 08-09-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Struggling to pay mortgage

Complaint: The bank who has my mortgage is being unfair because they are expecting me to pay {$5300.00} of monthly payments for the next 12 months. I am a single mother with XXXX kids. I am currently on a repayment plan of {$5300.00} monthly for 12 months that started back on XX/XX/2017. Ive made four payments of {$5300.00} already totaling {$21000.00}. I simply cant afford to pay {$5300.00} knowing I am solely responsible for my XXXX young children who live with me. My ex-husband XXXX XXXX abandoned me and my children leaving us to fend for ourselves. I pay my utilities, provide food for my children, school supplies and clothe them when needed as they continue to grow. Sadly, I had to replace the Hot Water Tank, fix the Boiler, and repair the leaking sealing of back basement entrance that was causing mold. These expenses along with taking the difference from my savings to cover the short fall between my income and the {$5300.00} has depleted my savings. I can afford my normal mortgage payment with my children expenses, utilities but to pay {$5300.00} is very difficult. I was put in this position because of my Ex-Husband. I am heading back to Family Court to file a violation against him for not paying the child support. He is supposed to pay {$1200.00} per month. I work two jobs along with my mother giving me money monthly helps me a great deal. I have been with my first job 20 years and my second job 3 and years. I am a good strong independent woman who just made a bad judgement of marrying the wrong man. I comfortably afford to make my mortgage payments and still give my children food. Note I am now the Sole Owner of the Property as it was signed over by my ex-husband the deed to me and I have the deed in my hands now. The deed was sent to the bank back in XX/XX/XXXX to review me for a modificiation in which they are refusing to offer. Its like they rather me end up on the streets that to give me a chance to do the right thing here.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: I saw an Equifax customer breach online reported by the news. The company provided a website that said it would tell me if my information had been compromised or not. After multiple attempts to get a clear message on if mine or my husband 's personal information that Equifax is supposed to be protecting and providing to creditors, employers, etc., but got no clear message either positively or negatively. I was just giving dates on when I 'm supposed to sign up for some type of extra Equifax service. And told I would not be communicated about this again. Equifax is NOT handling consumer notification of stolen personal information even after having more than a month to prepare from time of finding out about the data breach and telling consumers who is affected. I still can not tell if my data or my husband 's data was stolen or not. How can Equifax get away with not giving a straight answer after having more than a month to research the breach to communicate to clients better? I would like for Equifax to have to proactively communicate immediately to people whose data has been compromised. I have screen shots of pages for myself and husband that do not say if our data was compromised, but just a date to come and sign up for some extra Equifax product. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problems caused by my funds being low

Complaint: I have a checking account at Bank of America. I unexpectedly had XXXX charges put through which overdrafted my account. But I covered them within hours with a transfer of {$100.00} from another account, plus a cash deposit at the bank 's ATM of {$60.00}. But the bank still put through XXXX {$35.00} overdraft fees. This resulted in a negative balance again because the bank rearranged the charges to my account from high to low and I accidentally paid for a coupon to fill a prescription drug on a website called XXXX XXXX. The website automatically stores credit and debit card numbers and I accidentally hit the debit card number to my checking account and a {$28.00} charge was put through my account which overdrew the account even more I do n't have any more money to bring my account back to positive territory. I will be getting an extended negative account balance charge in five days that I wo n't be able to cover. I called customer service at the bank to ask them to remove the overdraft fees because I had covered them within hours. They were very cold and cruel and refused. 

I have no money to buy food or pay for my prescription medications. Please help me. I am living on Social Security XXXX and have a XXXX illness.

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 04/27/2016 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX i applied for credit card with XXXX XXXX. After 1 month of using the credit credit card, the suspended my account for any reasons. On XXXX XXXX my balance was XXXX dollars that i already paid. Finally XXXX XXXX Sent me the statement that included XXXX dollars for member fees. But i just got the credit lees than 1 month. My big surprise is that charged me for the late fees for the membership fees and they sent to the credit report and they drop my credit scores down. The amount was XXXX dollars. I called XXXX XXXX and let them know and thy told to pay the member fees and claims it back. Plse help me to get my money back and fix my credit for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with GOLDEN 1 CREDIT UNION, THE (CA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: On XX/XX/2018 I received a message from my banking institutions loss prevention services regarding an attempted transaction for {$150.00}. I flagged the transaction as unauthorized and my XXXX debit card was deactivated. When I called the bank in the morning, they cleared the transaction and deducted {$150.00} from my checking account. I then contacted the company that initiated the transaction and found out that they use a service offered by XXXX called XXXX XXXX XXXX  and that if your billing information is out of date, they receive your current bank account information so that they can continue to charge your account. I then called my banking institution and asked to opt out of their updating services as I am very concerned that they willfully provide my banking information to XXXX and/or merchants without my knowledge or consent. The customer service representative said there is no way to opt out of this service and nothing can be done to prevent my bank or XXXX from providing my current account information to merchants. This is very alarming that my banking institution will provide my account information to anyone other than myself but then to tell me there is nothing I can do to protect my financial information is absolutely ridiculous. Banks need to protect my information, not freely distribute it like they are doing with this so-called service.

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 03/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been approved for serveral trial modifications by my first lien holder XXXX Mortgage however Chase who owns my second is not willing to submordinate the loan to help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: bank of america just say not want to business with me. and put a hold on my bank account. and i cant get any funds from the account.bank of america account # XXXX and not give me why they closed. the account was not overdraw.will this closer stop from getting a new bank account at other bank

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: We are a small woman owned business who applied for and received a Spark Business Credit Card from Capital One. We began using the card it in XX/XX/2016. At that time the interest rate on purchases was 17.24 % with a credit limit of {$30000.00}. 

We continued to make payments on a regular basis. Unfortunately, we had company checks stolen from our local mailbox. For many reasons, it would have been too complicated to completely close our account so our bank ( XXXX ) worked with us to rectify the situation. We have a multi-step authorization processes in place before money is released. 

After the theft, although we made timely payments for two consecutive months, they were electronically rejected by Capital One. We were unable to resolve the issue through customer service and eventually had to find a branch and physically go over to bring them a check. We were charged late fees on both occasions. Suddenly our interested rate was raised to a predatory 30.650 %!!!!!! 

We have spent hours on the phone, gone to the branch, and written letters. No one seems to have any authority to do anything or will provide the name of a person who can do something to resolve this. We are desperate. First we were victims of thieves, now we are victims of Capital One. Please try to help us! 

.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/13/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (MO).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I called my mortgage company ( Caliber Home Loan ) XXXX XXXX and told them that I know my modification will end in a couple of years and I wanted to proactive and try to do something early. I told them the homes in my area are declining and that my neighbors are buying homes for XXXX XXXX, and my balance is XXXX XXXX XXXX XXXX plus. The agent asked me if they make me an offer to buy the house at the fair market price would I keep the home, ( I told them I was going to find another home less expensive )? 
I said yes .She said get a preapprove loan from another lender and send in a hardship letter. I did just that in XXXX and XXXX. The first one they denied because when they sent the appraiser out the value was XXXX XXXX XXXX and I offered XXXX XXXX XXXX. I told them okay, I will do it XXXX XXXX XXXX. They told me to resubmit it again along with hardship letter. I did as they told me. Never heard anything from them again on this matter. On XXXX XXXX XXXX I received a letter from them about modification they also sent one in early XXXX. I called them the earlier part of XXXX and told them I wanted to continue the modification or short sale but right now I am in the process of burying my husband he died expectantly XXXX XXXX. They expressed their condolences and said ok. I received a letter on XXXX XXXX from their lawyers 9 XXXX XXXX and XXXX XXXX saying they are foreclosing on XXXX XXXX XXXX. Right now I am so devastated the loss of my husband and now dealing with this. I kept asking them about the previous offer, no one can answer my question it 's like they are blaming each department. Spoke with XXXX ID # XXXX in XXXX XXXXSent her information that they should 've already had. Spoke with XXXX ID # XXXX on XXXX XXXX XXXX XXXX he could n't explain transferred me to his supervisor XXXX ID # XXXX. She looked in the system and said from what she see they gave me an offer back in XXXX for XXXX XXXX XXXX XXXX dollars. I told her that did not happen. She looked again and said yes I see. She then said I see your offer for XXXX XXXX XXXX I wonder why they did n't respond to that. She said I will forward this over to another XXXX name XXXX XXXX ID # XXXX property solution manager and see what she says. Have not heard anything yet and XXXX is approaching. What I would like to happen is, they give me the offer to buy at fair market, or give me time to find somewhere else to live. My XXXX XXXX XXXX dad is living with me also. Please help me I am so exhausted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Good Morning ... I checked my credit report this morning and found some hard inquiries that were once removed from my report but somehow reappeared. I was not giving any notifications that these accounts would be added back to my credit report. I did some research and was informed that Transunion had a glitch in their system XXXX and that 's the reason why all my old accounts were added back to my credit report. I called Transunion this morning and spoke with XXXX who states that she was a supervisor regarding these issues. She could n't explain to me as to why these accounts were added back to my account. She also informed me that some of my inquiries will fall off this month, end of this year, and the beginning of next year. She also informed that I could contact the creditors for letters but I do n't understand why I have to repeat this cycle again? Please help me from being victimize. The accounts that I am informing about are ... ....
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1.XXXX XXXX Inquiry from XX/XX/XXXX 2.XXXX XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry fromXX/XX/XXXX5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from XX/XX/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