milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I have XXXX checking accounts with Wells Fargo. Apparently they have been charging a fee every month to XXXX account because I failed to meet XXXX of the XXXX requirements -- that my account is linked to XXXX other WF products or services. I would have met the requirement except that my credit card was nominally linked to a second checkings account for which I already did n't have to pay fees. 

I finally noticed this and called Wells to report the issue that had been going on for a year. They admitted that it was a mistake on their part and agreed to refund 70 % of the fees. However, they would only do this for the previous three months ' fees because " the tool for refunding only lets them go back 120 days. '' This does not seem like an acceptable reason for failing to compensate customers for their mistake : if they err and take {$120.00} from me then I should be entitled to all of it back without their own internal tools as barriers! If others have been experiencing the same problem of WF only refunding mistakes through 120 days prior, then I imagine this could be a case of serious aggregate consumer harm.

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 11/26/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IA).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: USAA does not have an effective process for adding joint owners to deposit accounts. 

Adding a non-citizen spouse to my checking and savings accounts was initiated in XXXX 2017 but  not concluded until XXXX 2017 and then only after multiple communications between USAA and me that included two letters, three online uploads and over five telephone calls to USAA agents. Only in the final communication ( a phone call initiated by me ) was a USAA agent able to communicate the details of what needed to be corrected. 

Specifically, USAA does not have an effective process for notifying account holders of error conditions associated with providing documentation required by IRS code. In my case, I submitted a XXXX but did not complete the form correctly. USAA was unable to communicate the nature of the error to me online, or my mail or after three telephone calls to inquire status of adding my spouse to the account. I received communication from USAA by phone ( twice ) and by US postal mail ( twice ) which said in essence " call us, there 's a problem '' but the calls and messages did not indicate what type of problem was involved or how to correct it. On four occasions I contacted USAA in response, the agent was unable to tell me what the problem was. On three occasions I was informed that the joint owner was added and action was complete, but this was not accurate. 

In two letters sent by US postal mail, and in two calls initiated by USAA and in five telephone calls, no USAA agent communicated to me what in the XXXX was not correct. 

Ultimately, the error was communicated and an form re-submitted. So my immediate need was resolved after much frustration. The problem with USAA 's process still exists and may cause other consumers the same problem I experienced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After Hurricane Maria passed through Puerto Rico, all financial institutions offered a three-month moratorium on their different loans. In addition, it was reported that no surcharges would be charged during this period and that arrears would not be reported to credit agencies.

In my case I did the whole process as indicated by the financial institution and after several weeks they called me and informed me that the moratorium on my mortgage loan was approved and they gave me a date to present me with some documents to sign the agreement. This appointment was canceled until further notice.

Meanwhile, I am in negotiations with another financial institution to obtain a personal loan which I can not obtain due to the low in my empirical. So, I request a report from the credit agencies and it is there that I realize that I have registered three months behind on my mortgage loan. Since then I have tried to resolve the situation with the XXXX XXXX XXXX and XXXX XXXX without any success.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have multiple federal loans from attending school i was mislead by admissions and financial aide. I was told that i had enough XXXX XXXX to cover the cost and found out much later that is not the case. I was also mislead by job placement rates and the fact that the credits were transferable they are not in fact my XXXX isnt accepted anywhere I would actually have to take XXXX more course to be considered having an XXXX by anyone other than XXXX. I can not continue my education due to these loans. Ive tried forbearance but the intrest rates keep increasing, My payments are expected to be ove XXXX a month for just one of the loans.I am a single parent of XXXX Children. I can not afford this. Ive filled out and sent in multiple documents to have it changed to include the benefit letter for public assistance and food stamp issuance and living in section 8. I can not find The expected job using this degree. I have tried to postpone payments but in doing that comes late fees and more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Avantus, LLC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hard inquiry against my credit report exists, without my knowledge, and consent by Avantus LLC, on XX/XX/2017, which I dispute and would want to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (ID).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX, I purchased a vehicle with a loan through Santander Consumer USA. The original amount of the loan was {$16000.00}. I was unable to continue making payments after an unfortunate life event in XX/XX/XXXX. At that point, I requested that the car be voluntarily repossessed from Santander Consumer USA. The car was repossessed sometime between XX/XX/XXXX and XX/XX/XXXX. I received phone calls from Santander Consumer USA advising me that the loan would default and that I would be put into collections and have my credit damaged if I did not pay for the car. I informed them at that point I would not be able to make any payments. I received a notice by mail on XX/XX/XXXX detailing Santander Consumer USAs plans to sell the property ( vehicle ). This notice mentioned that the vehicle would be sold at a private sale sometime after XX/XX/XXXX. On XX/XX/XXXX, I received another notice from Santander Consumer USA that was titled Explanation of Calculation of Surplus or Deficiency. In this notice, it states that the vehicle sale price was {$8200.00} according to Santander Consumer USAs records. I have not received an actual bill of sale to support this number. The balance on this notice was {$9900.00}. The basis of my reaching out to Consumer Financial Protection Bureau is as follows : Balances reflecting on my credit reports have fluctuated and varied in amounts Past Due {$6900.00} Charge Off Amount {$7900.00} Balance {$8200.00} Balance amount reflecting in automated phone system through Santander Consumer USA {$7300.00} Bill of Sale for sale of vehicle was not sent nor communicated in any way to me. Through verbal communication with a phone representative with Santander Consumer USA, was told that my account was charged off XX/XX/XXXX. Also was told that the vehicle was sold on XX/XX/XXXX. Status showing as updated on my XXXX Credit Report as of XX/XX/XXXX as a Closed, Charge-Off Account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have a XXXX XXXX XXXX credit card but, there is an account showing on my credit report from Synchrony Bank. 

Please remove this account from my credit file.

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 05/30/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (WI).
Issue: Problems when you are unable to pay

Complaint: Today is XX/XX/XXXX. I have had 4 phone calls from Ally Financial today. I am only 9 days late on my payment at this time. There are days that Ally will call me up to 6 times a day. They also call before 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 03/29/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Making/receiving payments, sending money

Complaint: I have a business account with citibank. A customer placed an order with me by phone, the amount of the invoice was XXXX USD the customer told me that he would pay with a citibank check and he would deposit on my citibank account, I told him that the funds have to be available before I can give the merchandise, he deposited on XXXX on XX/XX/2017 but it was pending, the next day XX/XX/2017 I saw my funds available online, not satisfied with this, I went to a citibank atm and printed out the available money receipt, not satisfied with this I called Citi Business and talk to a representative that assure me that the check was deposited and the funds available so the customer came with his truck and took the merchandise. Today XX/XX/2017 Citibank takes the money out of the account with a hold, when I go to the branch they tell me that in fact the deposit made on a Citibank branch with a citibank check but the account number does n't exist and that they are not liable for this that I should until they send the check to me and I should place a police report, but that they are not responsible. I would think that, inmmediatly as soon as the fake check arrived to the teller since its from the same bank they would know is fake and that they are responsible. 
Name of the Account : XXXX XXXX XXXX XXXX XXXX XXXX, Florida 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 01/13/2018 about Checking or savings account (Other banking product or service) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My TD bank is blocking me from enabling external applications. I need to have access to my financial data in app. I need to open a XXXX account

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (CA).
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: There are 3 tax liens showing on my XXXX Credit Report. This should been deleted due to the enhanced standards now required to show these items. These liens do not have my DOB or correct SS number and therefore should be deleted. I disputed these 3 items via XXXX website on XX/XX/XXXX and XXXX sent me an email notification on XX/XX/XXXX that they have confirmed these items and would they would not be deleted. This is causing me financial harm as I 'm in the process of refinancing my mortgage and the erroneous tax liens are negatively impacting my FICO score which in turn puts me in a higher interest rate program.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: At the moment I do not have the ability to pay Tower Loan. They have been calling work and I asked XXXX the branch manager on XX/XX/2017 to stop. He said no. The very same day the called again and continue calling my work. I had no problem them calling my personal phone. One of the employees came by the house and gave my financial papers to my wife ( which she had no knowledge of the loan but now she does now )... sharing loan information other than the account holder is a violation of the law.

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 07/18/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Fraud or scam

Complaint: My name is XXXX XXXX. My mother, XXXX XXXX XXXX, was phone scammed. They took her for {$2700.00}. She sent an additional {$1000.00} however, she did get that back. More education of the XXXX needs to be conducted. My mother is XXXX years of age. She has learned her lesson. 

The attached documents show the notes that my mother wrote about who was calling. The next XXXX documents show the Western Union transfers that were cash by the scammers. The next XXXX documents show where she sent the money ( {$1000.00} ) but got it back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: I received a notice from SLS regarding its intention to foreclose on my home located at XXXX in XXXX GA. Included in the package was an application for alternatives to foreclosure which I completed and submitted. I then received a notice indicating that the property would be sold at auction on XX/XX/2016. 
I was told that I did not qualify for a modification because I had XXXX done during the past five years but would be considered for other programs. Meanwhile, I kept receiving requests for additional information to be part of my application. I submitted the requested documents and more requests kept coming in. I submitted the documents and was told that the sale would proceed as scheduled. 
After the sale date, I contacted SLS to find out the status of the property. I was transferred to various departments within the company until the phone eventually went dead. I could not determine what happened to the property. Finally, I received an eviction notice and moved out of the property. 
Earlier this year, I received a XXXX for debt forgiven in the amount of about {$130000.00}. I could not understand the document and called SLS to obtain an explanation. It was at that point that I learned that it was a short sale and not a foreclosure. I was told to submit my request for an explanation in writing which I did. I then received a letter indicating that I sent the request to the wrong address. I did not physically mail the letter but used an email address that I received from SLS. SLS indicated that they would respond to my request but have not done so to date.

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 12/14/2015 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Application, originator, mortgage broker

Complaint: XXXX years ago Notice of Rescission was submitted to Decision XXXX company within the XXXX day window. 
Decision XXXX sold the note and mortgage to XXXX. XXXX foreclosed on the property and sold the property to a person. Said person had XXXX XXXX the persons living in said home, the home owners of record. An act that disregarded the US Supreme Court in XXXX decission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Credit decision / Underwriting

Complaint: I was looking for a vendor to get a mortgage through. I of course went and shopped around to find the lowest interest rate/closing costs. I provided a quote from XXXX to Chase Bank. Chase Bank agreed to match the rate/closing. Throughout my entire time with Chase I have received lack of follow up, delays in obtaining my mortgage due to several Chase issues, my sellers lost their interest rate lock in due to Chase and the list continues. I am okay with how inadequate Chase was through the underwriting process, but I am not okay with the fact that they promised to match rates/costs and they did not. Chase overcharged me by almost {$3000.00} in closing costs. This is something my attorney uncovered. When this was brought to Chase 's attention I was assured that they would look at this and compare the costs again to ensure it was in line with the quote I initially provided, and would make sure this was updated prior to closing. At closing my attorney indicated nothing was changed, it was still the same and completely out of line with the other competitors costs. I contacted Chase who assured me they would work with management to get this resolved after the fact. I proceeded with closing as we were 30 days past original close date as is and my sellers were now at risk of losing the home they put a purchase offer on. I followed up with Chase on numerous occasions as of close date, with little response. Managers contacted me due to me escalating, and they too did not follow up with resolution as promised. I brought the closing costs to Chase 's attention on XXXX, it was still unresolved at my close on XXXX. I continued to dispute this with Chase from XXXX/XXXX/15 to XXXX/XXXX/2015. I have followed a couple times each week, or weekly without any type of response from managers at Chase. I looked up the VP in my area and sent a letter to her in hopes that someone would respond and return the money that was rightfully mine and not Chase 's. The contact I last received was on XXXX/XXXX/2015 from senior management resolution team at Chase indicating that my request was denied. I have plenty of documentation/emails showing the discrepancies and the promises to match. I am happy to provide any documentation needed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: shortly after graduated I started paying student loans and I called Navient to set it up so that my monthly payment would go towards highest interest rate first. I was denied multiple times and, after 2 years, was told by one associate that she could split my loans up in XXXX separate buckets. XXXX with higher interest rates and XXXX with lower interest rates. However, my monthly payment had to sprinkle across all loans. The only thing I could do was make additional monthly payments ( on top of my minimum monthly payment ) to the highest interest rate group. I 'm basically getting nowhere with this set up and I should be allowed to apply my monthly payment towards the highest interest rate loan first.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Mortgage (Conventional fixed mortgage) with VANGUARD FUNDING LLC (NJ).
Issue: Settlement process and costs

Complaint: At closing there was a point added on to my mortgage for {$2000.00}. They said that I signed for it, and that they have proof that I signed for it. A point or any cost of a point was never discussed during the process of the loan. Throughout the loan process I had issues with the online disclosures that were sent to me, and I could not download the documents. At that time the mortgage representative said that he could handle the electronic signing of the disclosures if I provided him with my passwords, which I did, on 2 separate occasions. I had to redo my password the second time. When the CD was ready last week, I was again unable to access the document to sign or look at it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I need your help in order to get in touch with my bank and try to solve my problem. I would like my Chase Freedom XXXX to please investigate all charges made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$700.00} on XXXX/XXXX/XXXX and also on XXXX/XXXX/XXXX {$5000.00}. I already tried to dispute with my credit card companies but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you

Company response to consumer: Closed with explanation