milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2016 about Other financial service (Check cashing) with SBG Financial (DE).
Issue: Customer service/Customer relations

Complaint: XX/XX/2016 Saturday - Check cashing practice correction requested We received XXXX checks that today we tried unsuccessfully to cash at the United Check Cashing franchise addressed above. A cashier employee who identified herself as XXXX refused to cash my IRS refund check written XXXX Department of Treasury and my refund check from the XXXX XXXX XXXX Department XXXX XXXX. The cashier XXXX XXXX XXXX told us that she would not cash the checks because they were both presented to her more than 30 days since the issue dates. Issue dates XX/XX/2016 for the XXXX of Delaware check and XX/XX/2016 for the XXXX Treasury check. The state check indicates that it can be cashed for up to 6 months past issue date and the XXXX treasury check indicates XXXX year processing from issue date. 
I shared with XXXX that I am frustrated with what amounts to arbitrary check cashing experience at United Check Cashing. I have utilized various United Check Cashing services for more than 30 years in XXXX but nowhere has the experience been more unpredictable depending upon the cashier encountered for the transaction than this XXXX, Delaware, XXXX XXXX XXXX XXXX franchise. 
As XXXX told us that she would not cash my checks ; she directed my attention to a sign on the wall visible during exit from the establishment that reads in part, '' we do n't cash checks over 30 days. ' I reminded XXXX that the only IRS check that I have ever cashed unless it was direct deposit ; was more than 30 days past issue date, including here. 
United Check Cashing practice is harmful and provides for at will ; discrimination. As a XXXX person ; it was a struggle for me to enter the United Check Cashing establishment ; let alone enter with assistance and be denied service. The actions of United Check Cashing would have caused me to have to discard the checks XXXX money ) had it not been for the secondary fact ; that XXXX Bank cashed the checks readily and happily. When I contacted United Check Cashing to get the owner contact information ; XXXX in rude behavior practice ; hung up the phone which was on speaker phone on my end and open to myself and a family member present. 
Please remedy the actions taking place at this United Check Cashing franchise so that people who have limited options are not forced to throw away IRS or XXXX checks.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: I am a member of USAA. I had a joint checking account with my wife as an authorized user. At the time, she was also listed as an authorized user on the USAA MasterCard. We had financial issues and the MasterCard account went delinquent. Soon after, I removed her from the account as we separated. I voluntarily removed myself from the joint checking account, leaving it to her. I then attempted to add a new checking account with USAA but was denied. They said that I could not have a checking account due to the balance owed on the MasterCard. I accepted that. Now I find that my wife still has her USAA checking account as an active account. USAA refuses to discuss it with me as it is her information. I get that. I do n't think it fair that me, the service member who originally had eligibility for their products, am now being denied an account when she is able to remain a member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I have banked with Bank of America for 51 years, starting in XX/XX/XXXX. On XX/XX/XXXX, I  received two letters saying they closed my accounts out. I have no idea why! I went to my local branch who called and was told they are not allowed access to the reason why. I now have checks bouncing, have two XXXX XXXX direct deposit checks coming to a closed out account, and no access to my money!!!!! This is outrageous! They told me my money was mailed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received it and I have no access to my money! It does n't take this long to get mail and they should have expedited this amount of money! Why did n't they call me and tell me to go to my branch and get a certified check BEFORE they closed my accounts?!!! I called the number on the letter and they WO N'T tell me why either. They just repeat over and over that they have the right to terminate my accounts. On XX/XX/XXXX, I made several more calls to XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was the only one who was not smug or rude. She said my accounts were ruled " high risk ''! She even reviewed my accounts and said that she saw nothing out of order.I get a CA-PERS and social security direct deposit once a month. How is that high risk?! I 've done nothing fraudulent. I have never been arrested or even had a parking ticket!!!! I guarantee that this is a mistake. I did NOTHING wrong!!!!! I do n't have a clue as to why they did this. XXXX told me they sent my money to me 4 days ago on XX/XX/XXXX, but it may take 7-10 business days! Why are they allowed to do such a disgusting and harmful act without telling me?! Please contact them, find out why they did this and get my money back ASAP!!!!!! This is so outrageous egregious and an abuse of their authority. What if they did this to you? Why are they allowed to do this to people then say XXXX you, we do n't care? 
Thank you for your much appreciated help.

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 08/17/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Trouble during payment process

Complaint: Ocwen holds our 2nd mortgage on our home.Our bill was ALWAYS due on the XXXX of each month. Even tho I always paid it w/in the grace period, Ocwen would call and pester me about the payment.  So,  I worked REALLY hard to get to where I could pay the bill paid ahead of time to avoid the calls.  Then, suddenly,  w/o warning, Ocwen changed the due date to the middle of the month.  Once again I worked to get the bill paid 2 weeks BEFORE it's due date and now, once again the due date is changed to the XXXX of the month.  My payment was due XX/XX/XXXX, I sent a check on XX/XX/XXXX which Ocwen got on XX/XX/XXXX. NOW I have a bill that says it's due on XX/XX/XXXX! 2  weeks between due dates???  I called customer service and was told in about 10 days they will email me about my inquiry/complaint!  WHY IS THIS COMPANY PUNISHING ME FOR PAYING MY PAYMENT EARLY???  On top of their predatory loan interest rates, it apparently takes them over a week to provide customer service.  WHY??? I have yet to have one positive experience when dealing w/this company.

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 02/26/2018 about Debt collection (I do not know) with CITIBANK, N.A. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call me repeatedly from this number several times a day. I think it's XXXX 's but I don't have a XXXX 's 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 02/27/2016 about Bank account or service (Checking account) with BB&T CORPORATION (TN).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 XXXX XXXX walk into BB & T in XXXX Tennessee, she with drawer XXXX from the bank. She ask for a refund on our account and ask for the account to be closed. The teller told her, she would checking to it. No one had called. We assume the account was closed. In XXXX XXXX, we found out the account was not closed, and because I am on my uncle account, BB & T withdrawer XXXX from my uncle account. After try to explain to BB & T that we wanted our account closed and no one should have had access to the account. They said their is nothing they can do. It all bank fee,

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 03-01-2018 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NC).
Issue: Closing on a mortgage

Complaint: On XX/XX/XXXX I applied for an FHA mortgage with an exception request and was denied. I was told by my mortgage broker.. '' it had not been enough time ''. 

In the exception request we explained in XX/XX/XXXX my previous home had been foreclosed on. At that time, Citi Mortgage failed remove my name from the deed. I worked tirelessly for approximately 18 months after the foreclosure date to have my name removed with no luck. I finally gave up as I could not afford to pay an attorney to continue to fight this battle for me. 

All the North Carolina state documents confirming the XX/XX/XXXX foreclosure had been attached to the request. 

I have clearly already waited the full 3 year waiting period and now am being told I must wait the full 3 years again. At that point I will have waited well beyond the required waiting period. 

This is not acceptable.

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 05/15/2017 about Debt collection (Other debt) with Meridian Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Meridian Financial Services con tinues to put a collection account on my credit report. I have been successful in having the collection account removed, however this is th e 5th time they have erroneously reported this information on my credit report. I have spoke   to the collection agency and explained to them that this debt was acquired by my dad who passed away in  XXXX   XXXX . The collection agency also knows this is not my debt because my dad purchased this timeshare in  XXXX  and I was only  XXXX   yea  rs old.  Also my name is  XXXX   XXXX   XXXX  and my fathers name is  XXXX   XXXX   XXXX . My SSN starts with  XXXX  and my dad 's SSN starts with  XXXX . I do not think this a case of mistaken identity, I think this is a case to harass me about a debt they can not collect from my father because he passed away.

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 02-02-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX, I pursued assistance from Wells Fargo mortgage through their loan modification program and home preservation program. I was experiencing financial hardship and pending a XXXX retirement from XXXX. I was instructed to not pay what I could on mortgage payments because it may jeopardize qualification for Wells Fargo mortgage home preservation program. I continually submitted requests for information from Wells Fargo mortgage for home preservation program without any acknowledgement of acceptance into the program from XXXX XXXX, XXXX up until my pleading letters XX/XX/XXXX to keep home. I also attempted to seek assistance from Department of Veterans Affairs due to pending XXXX XXXX rating from XXXX injuries sustained during XXXX XXXX. Neither Wells Fargo nor Department of Veterans Affairs assisted in advertised home preservation or assistance programs. I was never contacted nor did I sign for served foreclosure documents. I was living in home and had all intentions of keeping home, but desperately needed assistance and all programs were a false sense of hope. I was thanked by Wells Fargo for documentation 8 days prior to auction of my home XX/XX/XXXX. I was attempting acceptance into home preservation program from XX/XX/XXXX until the following XX/XX/XXXX. The timeline of foreclosure, false programs for home loan modification and preservation, fees on foreclosure, amount house was auctioned for, to whom ( Wells Fargo Bank ), the Dept. of Veterans Affairs lack of assistance and advertisement of false veteran homeowner 's assistance, and the fact I lost my VA home loan in foreclosure. The XXXX. of XXXX XXXX nor Wells Fargo have contacted me about foreclosure since my 3 day eviction notice XX/XX/XXXX. 
Wells Fargo misrepresented information relating to a loan modification and home preservation. The Department of Veterans Affairs also misrepresented home veteran homeowner 's assistance programs that did not exist. The Wells Fargo mortgage did not provide a written decision of denial, explanation of denial, or any alternative loan modification or preservation options. All departments involve in home loan and home loan assistance need further investigation for unsafe and unsound foreclosure practices in Wells Fargo mortgage and Department of Veterans Affairs.

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 02-01-2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The loan modification CONTRACT documents say I should pay one amount. The loan account statements say my payment is a different number, a higher amount. Why? This servicer 's documents are harder to read and comprehend than others ' I have seen. Is this failure to communicate an error on their part or mine. I thought that the contract amount was the amount that I should pay, not amounts after the signing by the parties. The amounts on page XXXX of XXXX, XXXX of XXXX, page XXXX of XXXX, and XXXX of XXXX are different numbers, and conflict with the loan modification contract amount on pages XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have made several attempts to dispute a debt claimed by Portfolio Recovery Associates ( PRA ) and have received insufficient information to validate that PRA actually owns the debt. They claim to have purchased a debt from XXXX XXXX XXXX XXXX in XX/XX/XXXX and that they received 'electronic files ' verifying the account belonged to me. Upon their first contact with me, I disputed the debt and was sent only a statement from the original creditor dated XX/XX/XXXX. I have requested several times ( the latest time being XX/XX/XXXX ), and never received, a Bill of Sale proving that the alleged debt was sold and is actually due and payable to PRA, a copy of the original contract, or any proof that they have any right whatsoever to collect this alleged debt. I have however received from them many collection letters beginning in XX/XX/XXXX throughXX/XX/XXXX from the 'Legal Department ' as well as attorneys for PRA threatening to file suit to collect the alleged debt. I have also received from PRA many settlement offers, some as low as 40 % of the alleged debt, to settle with the understanding that my credit reports would show the debt to PRA was 'settled for less than the full amount '. This is unacceptable to me and I chose to ignore such offers at the time. After having this un-validated stain on my credit report for some time now, earlier this year I decided to make a settlement offer to PRA. On XX/XX/XXXX they received a letter from me offering a settlement of 10 % of the account balance in exchange for deleting their credit line from the credit reporting agencies. They failed to respond to my offer, so I attempted to communicate with them by telephone. I called on XX/XX/XXXX and was told that no settlement offer was available for any amount other than the full balance of {$940.00}. I declined, and instead sent yet another debt validation request. Now, PRA has decided to not only refuse to validate this debt, but they have refused as well to negotiate any kind of settlement on a debt they can not substantiate. I believe the actions of PRA to be in violation of many provisions of the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and very much in violation of the Consent Order 2015-CFPB-0023 entered into between PRA and the CFPB on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraud reporting in XXXX Inquiries XXXX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX  XXXX Account Number:XXXX Fraud reporting in XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX Fraud reporting in Equifax Credit Account XXXX/ XXXX XXXX XXXX Account Number:XXXX I have called and talked to multiple customer service agents from XXXX, XXXX and Equifax to block the fraud inquiries and account. They refuse to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Debt collection (I do not know) with Credit Central Holdings, LLC (TN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They have called my wife multiple times in the same day after leaving a voicemail on the first attempt, which is a violation. They also put an unsealed open collection letter on my front porch while I was at work, which blew into the neighbors yard, where my neighbors read it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Making/receiving payments, sending money

Complaint: Between the dates of XX/XX/XXXX and XX/XX/XXXX I used my Paypal account to pay for XXXX XXXX rides. I have used paypal for about 15 years now and know very well. I set it up so that my payments will always come from my PayPal credit account unless I choose to change it. However, XXXX and Paypal have started a partnership. Some how this partship gave Paypal the right to choose which credit card or bank I use to pay for XXXX without any notice which cause my account to overdraft. They do n't seem to care much, but it affects me and a lot of other people. Without notice they decided to take my money from wherever they please and had no remorse for the damage it costs. I never received any letter regarding this changes, and from what the manager told me, they did not both to let anyone know. Had I had any inkling that they are invading our wallets without asking, I would have chose a different credit card, but no information was ever given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA).
Issue: Fraud or scam

Complaint: this person act like they work for federal government pirvate grant foundations and they said to send them {$500.00} and they will send me XXXX grant check I do n't have to pay it back 100 % federal government guarsntee they stole a photo picture of her and they said that she was one of they beneficiary that won {$50000.00} federal government grantthey told me to be honest with them to get help.this is the number that they are text me XXXX XXXX XXXX XXXX XXXX locate the number XXXX, va

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Numerous times I have contacted both the collection company and the credit reporting agencies that incorrectly report this account that is clearly identity theft. I have never chosen to do business with this company and when I called them to report the identity theft as most collection companies do, they laughed it off. 

As required by the FCRA and identity theft laws This account should be reported as identity theft and removed immediately from all credit bureaus and less the company can miraculously provide definitive proof the count to belongs to me. 

I have been falsely threatened and accused by this debt collection company less threatened to tell coworkers or file legal action that could result in criminal prosecution. 

As stated before I am the victim of identity theft and not the criminal in this company should be XXXX XXXX from such actions against victims.

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