milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (DE).
Issue: Deposits and withdrawals

Complaint: USAA Bank would not give me a legal department phone number to discuss a recent bank Levy on my veterans benefits. I advised them they were disregarding Federal Regulation as of XXXX XXXX 2011 that advises banks they can not garnish freeze or Levy an account in amounts of a government direct deposits. According to this regulation it is there sole responsibility and obligation once a garnishment notice is received to look back two month to insure there are no governments direct deposit for XXXX of any type to which can not be frozen and it is their obligation to notify the party that is attempting to freeze the account for the amount that can not be Frozen. USAA Representatives failed to pass me on to a supervisor advising they were not available and also they refused me any contact to their legal department as well as refusing to remove the freeze on my account of my veterans benefits which is the only direct deposit ever made since his account was opened

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, this is  XXXX   XXXX  and I had a concern regarding Macys placin g a thirty  day late on my account in  XXXX  of   XXXX  . I was not supposed to be reported for this late, according to a manager i spoke with. I saw that I was and would like help to resolve this immediately please.     I had not received any statements and I had reported them lost or stolen t o Macys.  I was never late to pay a bill it was just that the statements went mission and unnoticed by my family. The representative I spoke with was understanding and told me no issues would come from this and yet I noticed a year and a half ago they did place a late on my  XXXX  credit reports and this has affected me terribly. This is not fair and not what was supposed to happen.

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 12/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: on XX/XX/XXXX i advised Wells Fargo who is servicer of my XXXX XXXX Harp loan for the federally mandated federal disaster declaration deferment on my loan and made a CFPB complaint which has never actually been answered and they have refused to grant it in violation of federal law. they have also been granted repeated extensions by you and never actually spelled out how a XXXX XXXX HARP refi does not qualify for the federal disaster deferment. Today they sent me a statememt reflecting a late payment charge of {$22.00}. You should also note i made both my XX/XX/XXXX and XX/XX/XXXX payments in XX/XX/XXXX and they refused to process the extra odd dollars in the payment. Rather than actually have a XXXX   i sent them the {$1500.00} XX/XX/XXXX and XX/XX/XXXX payments on the XX/XX/XXXX. they have also missed the 30 day deadline for providing all of the information i requested via certified mail on XX/XX/XXXX. said legal request is attached to this complaint. please shut these crooks down and send them to jail

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 02/13/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: The way these companies are set up is fundamentally NOT in the favor of the consumer. 
There needs to be a simple, easy way to get a credit report and XXXX score without having to sign up for a service that you need to CALL to cancel. 
It is not simple to set up a Fraud Alert or a Credit Freeze- that requires printing out forms, But these companies make it really easy to sign up for unwanted services that should be available for free. And they do n't make it clear on their sites that what they sell you is n't something you need to buy. The services that you can buy- they should make it easy to do online. 

Enough- anyone who understands credit report process at these companies or in the Govt. must know what I 'm talking about, and can articulate it better than I can. 

All I can guess it that - what is it? Lobbying? - somehow these companies have really worked the legislation in their favor. Because as a consumer- trying to work with them is not simple or geared towards my best interest in any way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit bureaus have me as a charge off from XXXX there is nothing owed to this 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 09-06-2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Trouble during payment process

Complaint: My loan has been sold to another mortgage company and the balance does n't reflect my payment history. When i got a loan modification they did n't roll missed payments into the balance of the loan the kept them separate and charged me interest on them, when they should have rolled any outstanding amount in to the loan durning the modification. So basically my loan balance has n't changed because of what they have done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Other financial service (Money order) with WELLS FARGO & COMPANY (NY).
Issue: Lost or stolen money order

Complaint: SirI was forced to accept a chashiers check in lieu of cash from Wells FargoThe check was lost, I had a stop payment placed on it and requested a replacement. 
at XXXX Wellsfargo said no problem can do same day for .02 percent, then that changed to .2 percent, and we filed out all the paper work and paid the feed. XXXXChashiers check for for XXXXThen a day later WellsFargo called and said they were refunding the XXXX and I had to wait 90 days. 
Wellsfargo refuses to put anything in writing, or provide me copies of the Cashiers Check. 
I believe if they insist on stealing my monies, they should at least have to put it in a escrow account so I know where my money is. 
I was never advised of any terms or conditions on replacing this Chashiers check when it was forced on me. 
Since this dispute Wellsfargo has put My debit card on Fraud list and stoped me from using it over and over and over. 
Im very upset, this bank is bullying me. 
ThanksXXXX XXXXXXXXXXXX XXXX XXXX NY XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Money transfers (International money transfer) with Deutsche Bank (FL).
Issue: Money was not available when promised

Complaint: We sold a property in XXXX and transferred the money to our account here in USA. The XXXX Bank sent out the money on XXXX XXXX, 2016 via Deutsche Bank, XXXX. XXXX XXXX XXXX got the money transfer on XXXX XXXX, 2016. The money could not be traced from Deutsche Bank XXXX to Deutsche Bank New York for more than 4 weeks. During this time we lost more than XXXX in the exchange rate XXXX/Dollar. Deutsche Bank is blocking any information on where the money was for this 4 weeks. The only proof we have is the outgoing wire copy from the XXXX Bank and the arrival at XXXX XXXX XXXX. We complaint in XXXX, but Deutsche Bank said we have to go back to the XXXX Bank. But from there we have the clear proof with all correct banking details for the money transfer.And the XXXX " XXXX Deutscher Banken in XXXX '' seems to protect the Deutsche Bank also, as they do no open a case since XXXX when we sent them all documents and proofs.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (VA mortgage) with SOUTHPOINT FINANCIAL SERVICES, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: In response to a letter mailed to my house advertising a program for veterans that lowered the interest rate on our home 's mortgage, my husband and I decided to refinance with Southpoint Financial Services. XXXX of their selling points is that customers get to lower their interest rate and skip two months of mortgage payments. The process began in XXXX 2016. All forms had been submitted and papers signed in late XXXX 2016. I was in regular contact with Southpoint 's representative via email and phone calls during this time period. I wanted to make sure we understood the process and were doing our part to complete this transaction. Part of my questions pertained to when our next mortgage payment would be due and if we needed to keep paying the bank that owned our mortgage at the time, as I did not want to get behind on any mortgage payments. Part of my questioning included the benefit of getting to skip XXXX mortgage payments. I was in contact with the agent on XXXX XXXX, 2016, to confirm that all paperwork would be signed that evening with a notary from a title company working with Southpoint. However, due to an error on the paperwork produced by the agent I was working with, the first mortgage payment was due XXXX XXXX, 2016. We had made our XXXX 2016 payment ( which was refunded to us by the former bank ). But we did not get to skip another payment. We were counting on that money to take care of a medical procedure for our son. The XXXX XXXX, 2016, payment date was included in the paperwork we signed. However, the notary from the title company skimmed over all paperwork and did not point that out to us. Plus, the paperwork was sloppily prepared with the wrong payment date in the first place. We received our first mortgage payment notice on XXXX XXXX, 2016. It stated that our first payment to the new lender was due XXXX XXXX, 2016, and we would be behind on our mortgage and owe a late fee if the mortgage payment were not made before XXXX XXXX, 2016. Of course we were blindsided by this news. I made numerous phone calls trying to explain the situation to bank and that we had not expected to have to make this payment since XXXX of the selling points of refinancing was getting to skip XXXX mortgage payments. I also made several phone calls to Southpoint, speaking to the agent I had worked with for two months and his supervisor. I explained the situation in detail to them as well. While they admitted that they had made an error in their paperwork, they stated that there was nothing they could do to remedy their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/30/2015 about Consumer Loan (Vehicle loan) with SECURITY FINANCE CORP (SC).
Issue: Shopping for a loan or lease

Complaint: I did not give permissable authorization for XXXX XXXX t give my credit report information to Professional Financial Services for a application on any vehicle loan. I have governmental XXXX financing & never signed anything asking the agency for a loan. The corporation solicited expolitation of my identity using A false address. The actions taken by this company was fraudlent and assistant CEO executive XXXX was notified about their hard inquiries about them violating my credit privacy. I hereby warned Priority store manager XXXX that I demanded their office to call all XXXX companies that have been CFPB reported to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation and want total immunity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-07-2015 about Debt collection (Medical) with ATG Credit, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid today and within XXXX minutes creditor negatively reported it to the credit bureaus. When I called back to ask for an explanation, she continued to be aggressive and act as she either did it on purpose or was covering for her colleague.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with PHH Mortgage Co of XXXX XXXX 
PHH has a responsibility to collect my monthly mortgage pmts in a timely manner via ACH Direct Debit as established on the ACH authorization form that I signed and submitted XX/XX/XXXX. 
PHH was in compliance until I began to periodically submit clearly marked 'principle-only ' pts via check in XX/XX/XXXX. As directed by PHH, I always delay mailing these pmts until after the loan pmt is scheduled to be debited from my bank which is the XXXX of each month. Also, as directed by PHH, I mail the 'principle-only ' pmts to XXXX XXXX XXXX XXXX XXXX Yet, many times PHH is not taking the ACH debit action on the XXXX, but rather uses my 'principle-only ' check to cover that pmt due on the XXXX and applies only the balance of my check to the principle. The result is my loan pmt is delayed and my {$1000.00} 'principle-only ' check results in a mere {$440.00} applied to the principle. 
I see this as a fraudulent means for PHH to manipulate and collect additional interest on this loan and to deny me my right to pay this loan off as quickly as I can. 
I expect this mammoth mortgage company to honor our agreement to ALWAYS collect my loan pmt on the XXXX of each month via ACH direct debit. I also expect PHH to ALWAYS timely credit XXXX % of 'principle-only ' pmts to my principle.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Customer service / Customer relations

Complaint: I called American Express at XXXX to apply for a credit card to help with my credit, being a victim of ID Theft, XXXX XXXX, XXXX with IRS and XXXX with a XXXX XXXX credit card. I called them in XXXX of XXXX sent all my police reports to them ( faxed ), when calling today and to see what the update was spoke to a gentlemen who transferred to me XXXX, who could not find the application on file nor the letter sent. When I spoke to the gentlemen in XXXX his name was XXXX had a different accent. Said that application would be investigated, never heard a word.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Consumer Loan (Title loan) with Select Management Resources, LLC (KS).
Issue: Lender repossessed or sold the vehicle

Complaint: I have been in the hospital for a while and have been unable to mke payments for my loan. They reposessed my car last night. I was in the hospital after i got am XXXX from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I was told that late payments would be removed ; however it was n't, I paid bill in full. I never got a late payment notice till it was to late.

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 Debt collection (Other debt) with Credence Resource Management, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No  XXXX  as the creditor account # on this collection notice from Credence and their reference no is  XXXX  I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX  I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy 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 06/13/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: I have been conversing with SunTrust Bank regarding an unethical fee they charged my account. Now they are stating that they could incorrectly gave me a refund that they have to remove out of my account but I never received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: First, this is so stressful and disheartening that as a consumer my rights are constantly being violated. I have been dealing with these issues for over 9 months. I am including ALL 3 BUREAUS IN ONE COMPLAINT!!! 
XXXX, had a MAJOR problem with stalling disputes by sending FRAUD DISPUTES LETTERS. I am sending these letters from MY HOUSE, Signing them and enclosing my identification. Exactly how on earth is this a FRAUD DISPUTE? DO NOT SEND ME THESE LETTERS AGAIN!!! I have filed several complaints with them with the BBB & CFPB they always reply with ( they need more time ) one time even replying that they were investigating a BANKRUPTCY. I HAVE NEVER FILED BACKRUPTCY. 15 DAYS IS MORE THAN ENOUGH TIME TO SEND ME INFORMATION REQUESTED OR REMOVE THESE ACCOUNTS. My biggest issue with XXXX is them verifying accounts and not sending me documentation of HOW they were  verified. 
First XXXX I have contacted this company myself after disputing with XXXX and XXXX several times and asked them to furnish me with the same information they have furnished the credit bureaus because i KNOW for a FACT it is inaccurate. No response. XXXX and XXXX still tells me this account is verfied. It needs to be removed IMMEDIATELY. 

XXXX XXXX XXXX same with them. Equifax put the burden on ME to validate this debt with thr collection agency. They DID in fact submit me witb documentation for an XXXX XXXX. This account is NOT MINES and needs to be removed. 

I Also sent Equifax and the following collections agencies ( professional credit and credit bureau ) services letters stating that i felt that my hippa rights were violated. I requested a medical release form that i have NOT recieved. Under hippa my medical information is protected. Equifax needs to remove ANY medical bills immediately unless they can furnish me with a medical release form. 

Also on ALL THREE BUREAUS the department of education is reporting several late payments on my account. An account that has been closed and transferred. They recently just updated this account with an 120 days past due warning. How is that even possible and this account has been with another agency over a year. This account needs to be removed from all three bureaus. 

This is exhausting that as a protected consumer i am getting all kinds of run arounds with MY CREDIT. This is causing me major stress and sleepless nights. This is my last letter before filing a lawsuit. I can not keep doing this back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Mortgage (VA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage loan was transferred from XXXX XXXX XXXX to Citimortgage. During the transfer, my XX/XX/XXXX payment was added to my escrow account and Citimortgage had no record of my payment. When I made XX/XX/XXXX 's payment, I was informed of this and I confirmed that I indeed made my payment to Nation Star. Two phone calls later, the misapplication of the monies was found, and I was assured that it would be applied to the payment without an impact to my credit score within 72 hours. Seven phone calls later spanning 32 days, I received a letter indicating that my account was delinquent and they have reported me to a credit bureau. While Citimortgage now confirms that the payment is applied correctly and my account is up to date, my husband ( a XXXX vet ) and I are being punished for their error with incorrect information being reported to the credit bureaus. The fact that their lack of action or sense of urgency on their part has impacted our credit and they continue to negatively impact me due to their error is inexcusable. This has caused undue stress on both me and my husband. I want Citimortgage to provide me confirmation that my credit report will be updated in writing and provide the CFPB proof of what their process is in these matters so that someone else does not have this impact.

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 01/17/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: CitiCard changed my credit report XXXX 2016 without notifying me. I called the number to request per the XXXX Fair Debt and Practices Act to send me a company letterhead with the amount they stated on the credit report as past due agreed as full settlement and once payment is received a confirmation letter of receipt and complete release would be mailed back to me at the address on file. Due to Identiy Theft several times in my life, I no longer give social or birthdate info where it is not required by law. CitiCard refused to send me the requested bill paying letter above without the personal info even though i had the last payment, address on file and other ways they could have checked. How can you help me pay the balance with complete release?

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