milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: UDAAP complaints related to servicing issues : 1 ) SPS failed to process automatic authorized ACH payments for which adequate funds were available each of the authorized payment dates. Their failure to properly process these payments has resulted in the mortgage holder initiating foreclosure action. 
SPS provided the letter dated XXXX XXXX, XXXX stating ACH payments may be established by returning a completed and signed form, along with a voided check. We returned the completed and signed 'Authorization for Withdrawal and Direct Payment Agreement ' form along with a voided check to SPS. SPS provided an acknowledgement that payments of {$3700.00} would be withdrawn from the account beginning with the XXXX XXXX payment. 
2 ) The SPS Escrow Analysis document ( see Attachment C ) illustrated SPS paying real estate taxes one time during the year and collecting a two month escrow cushion. 
Collecting and maintaining an escrow cushion is a change in servicing practices from what was stated on our initial disclosures which ( see Attachment D ) with do not reflect such a cushion in the Truth in Lending Disclosure Number of Payments, the HUD-1 Reserves deposited with lender section, line XXXX or XXXX ; and the Good Faith Estimate of Settlement Charges To date the loan servicer had not collected an escrow cushion at any time since origination in XXXX and had historically paid the real estate taxes semi-annually. These changes by SPS resulted in SPS requiring either a one-time payment of {$6300.00} or a monthly payment increase of {$500.00}, from {$3700.00} to {$4200.00}. 
Had SPS chosen to make semi-annual payments, as had been the practice to date for XXXX, there would have been a surplus of {$440.00} rather than a shortfall ( see Exhibit XXXX below ) without the added 2 month cushion or a shortfall of {$1000.00} with the added cushion. 
We contend that this large adjustment was the result of unnecessary practice that is unfair and harmful under UDAAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (Government benefit card) with U.S. BANCORP (IA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint: I have a us bank reliacard that my child support is deposited on. I had not used the card for some time to save up XXXX knowing my daughter was having XXXX onXX/XX/XXXX and i would have to pay the copay. I went to use the car at the hospital and it was declined. I went to a us bank location and it was declined there too. I called customer service at approximately XXXX XXXX and was notified the card was deactivated due to a unotherized deposit that doesnt match a withdrawal. After going through several managers i was told i needed to contact the the company making the deposit and cancel it. I called the company and they can not remove it as its been processed buy reliacard. I asked for the date of original purchace and it was a deposit of XXXX i paid for home security onXX/XX/XXXX. They held the deposit through my contract of XX/XX/XXXX. I then called reliacard customer service back and notified them of the dates and was told they dont keep records that long and XXXX would have to fax them all the info they have. XXXX does not fax but the could email how ever reliacard refuses to give me a email stating it can only be faxed. Besides that XXXX returned the payment with my card # that had expired in XX/XX/XXXXbut reliacard deactivated my current card that has a completely diffrent # and refuses to reactvate untill XXXX faxes them the paperwork. The management has refused to return my calls and actually had one manager lady tell me there is nothing i can do this is a goverment agency and my account is being investigated by their federal investigation department for money laundering. I am a XXXX XXXX with limited funds and rely on this money and in this circumstance for a childs XXXX. I have found hundreds of  complaints about Us bank reliacard for these exact circumstances. I have asked numerous customer service representatives, managers and supervisors for the number and name of this federal investigation agency but they all have refused telling me the dont have a name or phone number. There is something going on with this company that may not be legal and is certainly unethical. Ultimately they have deactivated my current card due to accepting a return of a deposit being returned with a card that expired nearly a year ago without notification. I dont know how im going to get the money back as us bank reliacard is unreasonable with their demands and telling me its my problem not theirs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Assistance Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This account was closed on {$XXXX} balance. They want charge a overdraft charge came from XXXX when they suppose to put a stop payment and close the account when I moved to other Military Post by my personal decisions. I closed this account in good terms {$XXXX} balance and clean They leave the account open and XXXX charge me and small amount XXXX times and they charge me XXXX dollars fee when I did the correct steps to put an stop payment and close the account. The bank After this corporate mistake the Bank sold this account to Financial assistant collection and now they report and damage my credit for fraudulent fee. On multiples times I communicated and they were negative to delete the overdraft when I did the correct actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Using a debit or ATM card

Complaint: Chase has new ATM machines outside that can give money in 5, 10, 20 's etc, with these new machines they have automatically linked all of a customers checking accounts to be accessible from the ATM when only one account is setup to be accessed from the debt card. 
This was confirmed by branch manager that Yes only have one account linked to my Debt Card, but when accessing my accounts with one of the new ATM machines all the checking accounts show up. This should have never happened like this. 
I as a Customer manage my accounts and keep limited fund in the linked account just incase there is some type of fraud, or card stolen or what every might happen. 
Would like to know when this will be fixed? 
Reported to a local Chase Branch over 30 days ago, but yet issue is still there. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit card () with U.S. BANCORP (OH).
Issue: Transaction issue

Complaint: I was contacted by XXXX back in XX/XX/XXXX and I paid them {$2000.00} with my US Bank credit card, apparently for their " Business Concierge '' package. It was my understanding that they were going to increase my online presence by managing my online reputation, therefore increase my SALES. Well it has now been a while, the reason why I am writing to your agency is because they promised me in writing my refund on XX/XX/XXXX and they are not complying with their word, I called them several times and no word from them. They are being dishonest and I need your help with that. I am attaching the refund and harmless form that I signed to this complaint.

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 10-05-2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: I am continously harassed by the US Bank 's customer services representatives since XXXX/XXXX/15. On XXXX/XXXX/15, the US Bank 's customer services representative ( female ) made threats of collection procedures which is illegal. All US Bank 's telephone calls are recorded to verify the unprofessional behavior of this customer services representative, but the US Bank failed to present an apology for the abusive verbal threat. 
On XXXX/XXXX/15 I received a similar telephone call questioning the " amount of my electronic direct deposit '' and " verification of address '' which is continued harassment. 
The US Bank have on file all the information about my income amount and address for the last 22 months ; consequently, permitting customer services representatives asking to verify the amount of earnings by telephone is a desire to intimidate the customer. Additionally, the US Bank communicates with me sending all correspondence to verify any information via e-mails and there is no need to make this type of calls. Therefore, the unprofessional behavior of the US Bank 's customer services representatives have inflicted me with severe emotional distress harmful for my well being.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This reason I am filing this complaint is to request an investigation into Bank of America mortgage company reporting incorrect information into my credit file. My credit report should show first date of delinquency in the month of XX/XX/XXXX. Instead the mortgage company are reporting the incorrect year of XX/XX/XXXX, to re-Aged the account " Running of Reporting Period ''. I have attach two of my mortgage billing statement that shows my account first date of delinquency occurred in the month of XX/XX/XXXX. I am requesting that Bank of America correct the fraudulent information being reported to all credit bureaus into my credit file ASAP.

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 06/22/2016 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On my credit report it is stated that this account with XXXX ( line XXXX ) is " ACCT IN DISPUTE. '' This is not accurate. The account is not in dispute and has been settled and closed. There is no balance due. 

Experian needs to report this account as settled, closed and remove the comment about it being in dispute.

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 05/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: We are having a very difficult time with nationstar mortgage. We got a loan to refinance an existing loan with nationstar. the payoff request was obtained from Nationstar and good till XX/XX/XXXX. A 3rd party sent the amount, {$14000.00} for payoff. The check was XXXX to Nationstar as the correspondence instructed and delivered on XX/XX/XXXX. I found that on XX/XX/XXXX a payment for {$600.00} was auto drafted from my checking account by Nation star. I logged in my Nationstar account to investigate, 1st I stopped any auto pay from my checking account for future, then I called nationstar customer service XX/XX/XXXX to find out the problem. They adamantly denied having received a payoff check. I was ask to fax them the info of the cashiers check, time, date, and the person that signed for the check at Nationstar. I forwarded the info from my 3rd party payor with my Nationstar account number requesting that this be researched ASAP, This was send XX/XX/XXXX. When I had not received a call from nationstar by XX/XX/XXXX I logged online to review my Nationstar account, still no change, no email, nothing. I made two or three lengthy phone calls to Nationstar XXXX & XX/XX/XXXX and got nowhere. My last call I demanded to speak with a supervisor with Nationstar. She stated she would note that this was looked into. She would put on my account that a representative from my 3rd party had my permission to correspond with Nationstar on my behave anytime in the next 24hrs to try and locate the check for the payoff. I touched bases with my 3rd party and she was to attempt to work on the matter next business day. I checked in with the 3rd party XX/XX/XXXX and after she had made a number of calls we have still not gotten anywhere with this matter. In addition to the complete payoff check there has been XXXX payments of {$600.00} extra taken from my checking account. XXXX that was taken out and sent to another mortgage co. ( XXXX ) that Nationstar had received my loan from. XXXX forwarded the payment to Nationstar. Then XX/XX/XXXX the auto pay was taken out from my account due to the payoff amount not being processed and Nationstar not closing this account. Also I made a regular payment of {$600.00} on time to Nationstar on XX/XX/XXXX. This a very frustrating that not only does this company have a payoff check for over {$14000.00} but there is {$1800.00} of my personal money that should be refunded to me. I have been attempting to correct this serious matter with Nationstar and as of today XX/XX/XXXX have not gotten anywhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: This is for loan XXXX XXXX and the late payment on XX/XX/XXXXthat was reported as late on my credit report while an investigation by XXXX XXXX XXXX was being supposedly completed by them. <P/>I reported this to XXXX at XXXX with supervisor XXXX XXXX about the car accident. He agreed to resolve the matter and return my phone call with-in 4 business days. We agreed that I not make the payment until I heard back from him specifically with regards to a resolution. <P/>He further stated as other XXXX representatives verified that a " hold '' or indispute was put on my file and that the next payment due would not get reported late if I the matter was resolved. <P/>I and all parties agreed to this. I only noticed several days later hat they did report by negligence and error that I was late. <P/>I was not late. I never heard from anyone and did as I was told. Which was to not make the next lease payment until the issue was resolved. <P/>As I have stated numerous times, I have tried at least 20 times to contact XXXX and they will not speak with me.

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 06/15/2015 about Credit card () with U.S. BANCORP (KY).
Issue: Rewards

Complaint: USBank closed my XXXX credit card without warning. On talking to a USBank representative, they informed me that card closures for any reason meant that any rewards points ( already earned or pending ) in my account were forfeit. Prior to this, I received an email from USBank targeting me for extra points for spending more money in the holiday season. Also, their own literature touts spending {$10.00} 's of thousands of dollars in order to get the annual fee waived, yet another inducement to spend more money on their card. For the record, I had made only XXXX purchases in the month, had not exceeded my credit limit, nor had any late payments. 
I believe their marketing and policies to be unfair as it deceptively encourages consumers to spend to earn rewards points and that any and all points may be seized at USBank 's whims. Since USBank refuses to allow me to redeem the points that I earned according to their own terms & conditions and I was recently made aware of the CFPB, I am writing to seek relief.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I 've got 4 calls today to my pre-paid cell phone from XXXX. They want me to call back and enter my SSN.
I graduated college in the 70s and my only student loan was paid off over 3 decades ago. This is a SCAM, not an attempt to collect on a student loan.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with Midwest Recovery Systems (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have advised XXXX that this is not my debt and that someone took utilities out in my name, I was not living in the state at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SD).
Issue: Problem with fraud alerts or security freezes

Complaint: I am a previous victim of identity theft in XXXX. It took over XXXX hours of my time to get it cleared. 

I do not want to go thru that again. 

To protect myself from damage resulting from Equifax losing my most sensitive data, I am freezing all my credit reports. 

Equifax did not charge to freeze my credit XXXX wise of them XXXX. XXXX also did not charge. However I was charged {$10.00} to freeze XXXX. I 'm still trying to freeze XXXX but expect that to be another {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit determination

Complaint: I received my credit report from XXXX XXXX. There are a number errors. I do not or ever had a XXXX XXXX credit card. I complained about this error a few times over the years. 
I have never lived XXXX XXXX XXXX XXXX XXXX, or at XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. These errors were supposed to be corrected a few times but keep coming back. 
Thank you for any help you can give me. Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Capital One restricted my account because they said my ssn is invalid. I had already verified my ssn with them once before. They refuse to let me withdraw my money out of the account. I have XXXX in the account I asked them to close the account because I didn't want to deal with the extra hassle. They refuse to send me the money in a timely form.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance Not reported Status Paid, Closed. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5700.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$3800.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$1900.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of account Dispute successfully submitted Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... Recent balance {$5400.00} as of XX/XX/XXXX Status Open/Never late. Date opened XX/XX/XXXX Details Not mine or No knowledge of 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