milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Struggling to pay mortgage

Complaint: This is a new compl aint of bad faith and fraudulent banking activities by Wells Fargo Bank Home Mortgage relating to a Wells Fargo Mortgage Backed Security. Despite this circumstance I had tried to act in good faith to pursue a short sale resolution. I have been acting in good faith to complete a short sale with Wells Fargo bank and during that effort they scheduled a foreclosure sale date while we were making significant progress toward resolution. They are and have been acting in bad faith in response to my good faith efforts. I had fully engaged in the short sale process and had secured a qualified buyer of the property. We were in the process of negotiating a purchase, they responded by stalling the process, through an unnecessary three we ek delay in responding to our counter offer, and then saying sorry your house is being auctioned and now we have no time to process a new offer. They said you can try but we can not change the sale date from  XXXX   XXXX  at  XXXX . My question is if they are interested in changing their abusive, near predatory, internal policies WHY can they not extend the sale date for at least a few weeks to see if I can respond with an acceptable offer. At this point we are in full agreement that the price would need to {>= $1,000,000}.   Why ca n't they work with their customers and do the right thing instead of continuing their inappropriate business tactics. CHANGE THE SCHEDULED SALE DATE!!   This has been going on for over 10 years which began with my investigation and confirmation of fraudulent mortgage lending p ractices. ( T he report from  XXXX   XXXX   XXXX  has been submitted to them with full supportive detail ). I would resubmit that contention as part of this complaint and will be reaching back out to  XXXX   XXXX  to update that analysis.

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 06-08-2016 about Debt collection (Payday loan) with ROC Asset Solutions, LLC (NH).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX XXXX from API called my client, XXXX XXXX, at his place of employment pretending to be an attorney 's office. " XXXX XXXX '' threatened to have my client arrested if he did not immediately pay a payday loan (?? ) which we refused to identify or validate. " XXXX XXXX '' told my client he was " in violation of Federal law. '' Terrified, my client gave " XXXX XXXX '' his debit card information. My client has contacted the bank and may be able to save his money ; however, " XXXX XXXX '' from API has continued his rude, aggressive and illegal collection. " XXXX XXXX '' did have identifying information for my client, which gave some legitimacy to his claims, terrifying my client even further. This XXXX debt collector needs to be shut down before they can scam more money from unsophisticated consumers.

Company response to consumer: Untimely response
Consumer complaint received 11/19/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: On Thursday XXXX XXXX, 2015 I went to SunTrust Bank, the branch located at XXXX XXXX XXXX in XXXX, Florida. I opened a new account. Included in my itnitial deposit was a check in the amount of {$10000.00} and cash in the amount of {$2000.00}. The cash amount was broken and deposit was made into checking {$1900.00} and savings {$100.00}. I left the bank and returned the next day on XXXX/XXXX/2015 to withdraw {$1400.00} to pay some bills. I was told at this time my money had been frozen and I could not have access to my cash funds. The bank representative XXXX XXXX told me the check looked funny and they suspected to have an issue with the check. It would take 5 to 15 days for the bank to review my account. The cash money the bank held and is still holding todays date XXXX/XXXX/2015 was my monthly income to pay my bills with and to purchase gas for my car and groceries. I tried to call SunTrust Bank on Monday XXXX/XXXX/2015 to find out the status of my money. I could not get through to the bank calling the number I had been provided. I called the local phone company operator to help me with getting me through to the number. i was informed that both my home phone number and my cell number had been blocked at the account holders request. SunTrust bank allowed an employee to block my calls when they were holding my funds and would not give me access to my cash deposit. I am enclosing the notice of hold dated XXXX/XXXX/2015 that gives the reason the hold was placed on my deposit. Code XXXX states deposit exceeds clients average balance. This is a fabrication as I did not have an average balance, this was a new account. Also the notice advises my funds will be available on XXXX/XXXX/2015. This letter is dated XXXX/XXXX/2015. I did not receive this letter until XXXX/XXXX/2015 almost a week later. The next correspondence dated XXXX/XXXX/2015 received on XXXX/XXXX/2015 states my funds will be returned to me within 5 business days. 5 business days would be XXXX/XXXX/2015. As of todays date XXXX/XXXX/2015, 10 days later, still no funds. My health insurance is being terminated, my electric is due to be cut off. i have no food in the house. 

Yesterdays date XXXX/XXXX/2015 I again tried to reach SunTrust bank regarding the status of my funds. For a period of XXXX and XXXX half hours i was transferred to XXXX different people. None of the XXXX people could tell me when I would be getting my money. I want my money or a good reason my cash funds are being held and reviewed. 
I would appreciate help in gaining my money back from this bank. Do I have any recourse to recover for any damage caused by this unreasonable delay in allowing me to have my money. Also is SunTrust responsible to pay me interest on these withheld funds?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WAKEFIELD & ASSOCIATES, INC. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I received a bill from Wakefield & Associates in XXXX 2016. I immediately wrote back that I disputed the amount, explained that I had also disputed the amount with the original creditor, enclosed a check ( which they cashed ) for the amount that I did not dispute, told them not to contact me by phone, and provided my current address for future communications. I heard no more from them until yesterday, when I got home from work and found a message on my answering machine ( which is a shared phone with my adult son and my boyfriend ) stating that the call was from Wakefield & Associates and that they were debt collectors. I called the number they left ( from my cell phone ), verified the number that they had called, and the man said, " Is this [ your name ]? '' I replied that it was and asked why they called. He stated that they needed further information to verify that they " had the right account, '' at which point I told him that they had all of the info that they needed, that he had verified that they have the " right account '' by asking if my name is [ my name ] when I gave him the number that they had called, and told him to mail me any communications. I also informed him that they had violated the FDCPA, and he said " No, we did n't. '' Well, yes they did, as I had informed them in writing that they were not to call me regarding this disputed debt. Not only did they call after I asked them not to, but they left a message on a shared answering machine. In addition, at no time after I paid the amount that I did owe, did they send me an updated bill or amount due. I received absolutely no communication from them since I wrote to them in XXXX and they cashed my check in XXXX. This is a clear violation of my rights under the FDCPA and I intend to pursue my legal options.

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 04-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Penn Credit Corporation alleges that I owe {$410.00} for a red light traffic violation on XX/XX/2015. Firstly, Penn Credit failed to properly serve notice of the violation. I, XXXX, never received a ticket nor violation notice from a human person. I am inclined to take legal action unless Penn Credit immediately ceases all collection attempts. 
Under the Fair Debt Collection Practices Act, 15 USC Section 1692, a debt collector must provide a verification of the alleged debt. The debt collector is mandated to cease all collection activity until verification is provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I h ad a Sears cre dit card. It was last used in   XX/XX/XXXX  or    XX/XX/XXXX . I we nt through a divorce and financial hardship and was not able to pay this bill. When I explained to  Sears  what was going on I never heard from them again. They mentioned garnishing my wages but it never happened. After I put myself through school and am now back on my feet financially I have reached out to  Sears  to take care of this debt. I was informed by  Sears  customer service I needed to talk to Sears recovery. After talking to recove ry 4 tim es I was informed it was filed as  XXXX  in   XX/XX/XXXX  a nd I could not settle the account or make any payments on the account because of the  XXXX . I was then told to write a letter to Citibank because recovery believed it should show a   XXXX    balan ce on my credit report. I wrote a letter to  Citibank  explaining what I knew and what I was told by  Sears   Recovery. I was sent a letter back asking for the credit card number. I could not obtain  that number because  Sears  in not permitted to give that kind of info out or did n't have access to it. I did get the la st   XXXX   digits tha t are listed on my credit report from a lender I am dealing with. I returned a letter to Citibank with the info I had obtained and my social security number ( that 's how everyone else looked up the account ). I explained why I could n't get the full card number. I explained what I was trying to do and just like the previous letter offered to make payments or a settlement amount or even pay the whole thing. I have not received any communication from them since. I waite d 3 we eks and sent the letter again. I still have not had any communication with  Citibank to this date. I just want to try to get this resolved and fix my credit.

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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDFIRST BANK (CO).
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: Midland Mortgage co.
is reporting that my home loan acct was included in a bankruptcy. This is wrong, It was reaffirmed. I paid it in full and never missed a payment. I contacted them about this error and was told this account has been settled and they have no interest in reopening it.
Side note : they have over the years been very difficult to get info, they refused to return my mortgage ins payments long after I was not required to make them and even wrote a reply letter of refusal stating I was not eligible to stop mortgage ins ever. I believe they owe me several years of mortgage ins payments. 

most times I contact them they ca n't find my acct. until I am persistent

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 09/22/2016 about Bank account or service (Other bank product/service) with BMW Financial Services NA, LLC (CA).
Issue: Account opening, closing, or management

Complaint: BOTH BMW AND BMW FINANCIAL SERVICES ARE " FRAUDULENTLY '' REPORTING TO ALL CREDIT REPORTING AGENCIES - XXXX, XXXX AND XXXX ACTUAL LAST THE DATE OF USE " AFTER THE BANKRUPTCY XX/XX/2010 ''. ACCORDING TO FRCA RULES AND BANKRUPTCY RULE, THESE NEGATIVE ACCOUNTS WILL BE DELETED BY NOW. BOTH BMW AND BMW FINANCIAL SERVICES ARE CRIMINALLY RESPONSIBLE FOR THIS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit determination

Complaint: I applied for a new credit card with capital one, it needs further review I received a letter that I need to fax or mail a copy of my social security to complete my application. I called customer service and I said I do n't feel comfortable mailing my social because of fraud going on and I do n't have a fax machine, I asked if theres other alternative and she said that only fax or mail. I asked her if mailing social is secure and she said yes, for me I am not comfortable.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: UTTERLY disgusted with how Bank of America chooses to do business! There was a fraudulent charge on my account SATURDAY XX/XX/XXXX. Today is now MONDAY XX/XX/XXXX and the money was barely returned SUNDAY XX/XX/XXXX. MY MONEY has been withheld from me for 8 DAYS! This is completely unacceptable and disappointing. I 've called 10 times and everyone has been giving me the run around. I 'm going to make sure I tell all my friends and family about my awful experience with 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 monetary relief
Consumer complaint received 09/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TRANSUNION HAD A COMPUTER GLITCH!!!!! Where all my inquires were removed from my credit report. TransUnion noticed this so called error and put them back on my report. THAT 'S AGAINST THE LAW Without written notification before it 's added back. SO I CALLED THEM XXXX AND ASKED TO SPEAK WITH THE SPECIAL HANDLING 'S DEPARTMENT. I told them that my inquires were removed and suddenly reappeared, I was not notified in writing that these things would be added back to my credit report AND THIS IS AGAINST THE LAW- YOUR COMPANY HAS BROKEN THE LAW!!!!!!!!! PER FRCA SECTION 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: The above investigation was completed XXXX/XXXX/XXXX with obvious ( on the face of the record ) erroneousresults.I had disputed that the creditor '' re-aged '' the account by changing the accurate date of first default from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I HAVE INCLUDED FACTA REPORT NO. XXXXFROM XXXX/XXXX/XXXX where the DoFD reports correctly as it had the previous 5 years. 
During a telecon with Equifax upon receipt of results, the CSR from EQUIFAX realized the verified info. was wrong as the DoFD, DoLP, Do M D1st reported, all are XX/XX/XXXX, which is an impossibility in any case, does n't make sense, yet she did n't delete, as she should have. 
I have also included report no.XXXX dated XXXX/XXXX/XXXX where the disputed accountdoes not appear on the report at all..it was suppressed/deleted prior.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (FL).
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: Citi Bank closed my credit card account with no reason and before that I notice XXXX XXXX office that my son visited had charge my card twice on the same day XX/XX/2017. I did submit dispute online and hoping that was resolve when next billing statement comes in. It end up they closed my card and when I call about that and talked to Senior account specialist XXXX, that do n't want to supply his last name from Kentucky on theXX/XX/XXXX. He told me that he ca n't do anything for me. To avoid any fees involved, I went ahead paid for the whole amount that was not due yet. Hoping to get credit back from XXXX XXXX office. Since my son was out of town, I told him to call once he get back. He called XXXX XXXX office today and was told they only get paid once of {$75.00} .I would like Citi Bank investigate this matter and refund me {$75.00} by sending me a check. Since I paid Citi Bank for the two identical charge already. Thank you for your attention!

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 01/20/2017 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Settlement process and costs

Complaint: this is my third time at citizens and it concerns a home equity loan. We paid it off before the term was up and they charged us a penalty fee of XXXX plus XXXX doc fee We were never told this by the XXXX who closed the loan and citizens keep sending us this unsigned document made out to my wife and not me could you mediate this it is not a way to treat a customer who has been with them for many years e

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: My mortgage comp any, America Servicing Company, merged   with  Wells Fargo. M y mortgage is now held at  Wells Fargo Bank.      This incident recently happened on  XXXX   XXXX ,   XXXX  , this has happened twice in the past. I submited a monthly payment and the bank duplicate the paymen t and overcharged my account. My mortgage statement showed two ( 2 ) payments deducted on the same day for the same amount. Wells Fargo char ged my account a lump sum payment in the amount of {$870.00} as oppose to  two  individual payments in the amounts noted below.   Example of the duplicate payment in the following amounts :  XXXX  - {$430.00} - applied to principal and interest  XXXX  - {$430.00} - applied only to principal ( suspicious activity as I have never submitted a principal only payment in the history of the loan payments ) I called the bank and the representative could not assist as she claimed there was a confirmation of payment sent to me of the full dollar amount. She could not confirm the confirmation number or advised where I could locate the payment confirmation number.   I only submitte d one payment ; however, we can not find the proof of the confirmation of the customer submission of two ( 2 )  payments.     This has happened in the past in  XXXX , on my second mortgage in the amount of {$1400.00}. They went into my account and process duplicate payments in the amount. Again, my account went into overdraft, which alerted me to investigate further.  ASC/Wells Fargo a dmitted error but did not do anything to prevent future occurrence. This recently happened again in  XXXX    XXXX  .     The only notification was my account went into overdraft for the payment that was submitte d three times by Wells Fargo and  that is how I realized there was suspicious activity on my account.     I would appreciate the CFPB investigating further of this practice that most customers are unaware  of Wells Fargo submittin g payments on their behalf of which the customer did not initiate.     I appreciate your 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 05/19/2017 about Debt collection (Credit card debt) with Weltman, Weinberg & Reis Co., L.P.A. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: My husband has an old debt from a credit card. We would like to settle and pay once we get in a little better financial position. In the mean time, we habe received many threatening letters fro m Weltman, Weinman and Reis law fir m. They threatened to take us to court, garnish our wages and bank account. With fear of them taking out all our money in the bank that we need to pay our house payment and utilities, I agreed to make fair payments,  one  for  XXXX  $ on  XXXX   XXXX ,  XXXX  $ on the  XXXX , and another  XXXX  $ on the  XXXX . This firm took  XXXX  $ out of our account on  XXXX   XXXX ,  XXXX  $ out on  XXXX   XXXX , and another  XXXX  $ on  XXXX   XXXX , which overdrew our account and we incurred fees and now do not have any money!!! I am terrified that this law firm will sue us because they call multiple times a day and send many certified letters with lots of legal verbage with writing that looks like we have to appear in court and our bank accounts and wages will be garnished. Because this firm did not take out the correct payments on the dates I approved, our bank account is now in the negative and we have overdraft charges!

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Credit line increase/decrease

Complaint: I went to XXXX this afternoon. I have been a 10+ year customer of USAA . I have a XXXX credit score and perfect payment history. I went to pay for my order and was utterly embarrassed as I was declined in line. I contacted USAA who let me know that a letter was going out dated today notifying me of the reduction of my credit line from XXXX to XXXX dollars. They mentioned the reason was that I do not maintain a high enough balance which could n't be farther from the truth as I frequently spend XXXX a month and pay it off. I could not have been more embarrassed to be declined in line. To make matters worse USAA reduced my line below my outstanding balance which will affect and be reflected on my credit as " exceeded credit limit ''. I could not be more upset at the lack of notification from USAA. They provided no resolution or explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation