milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2015 about Credit card () with CITIBANK, N.A. (AZ).
Issue: Billing disputes

Complaint: Unresolved account Settlement : As a final result, " we 've determined the payment was not cashed by us '', after all the payment are delivered to the address provided on the payment stub from the other Money Orders received and post it on my account! The result is unfeasible because it is leading me to believe that the Account Payable Department are going on lunches on my expense, cashing these money orders to different places instead of posting it to my account. 
Since than, I have sent XXXX additional payments, XXXX on XXXX/XXXX/2015 for {$210.00} and another XXXX on XXXX/XXXX/2015 in the amount of {$74.00} ( balance from adding all of my receipts and confirmed from the last statement of XXXX/XXXX/2015 ) which should bring the current balance at {$0.00} again. 
It has been my experience that Customer Service is well practice from the people working at the gas stations, always treated me with respect as well as the agents when calling about my account issues. 
Unfortunately, after submitting all of the supportive documentations several times about money order payments, written the same way, sent at the same address provided on the payment stub, confirmed legitimate address due to, receiving back the Certified Mail Post Card, and cashing them of which some are not getting post it on my account, causing the balance due to fluctuate outrageously amount after each time a manager get 's involve. 
Furthermore, I have great concern about how the company 's Account Payable Department is attending their affairs, such as : - The money orders are received, cashed, written and submitted the same from the ones that are post it as 'Last payment Amount '' and some that are not. 
- Continuation of " Current Balance '' fluctuating higher after payments received and confirmed by your agents. 
- Inconsistency about my account information when speaking to the managers that are disrespectful ( strongly suggest to lesson to your recorded calls ). 
- Repeatedly losing the money orders sent on a timely manner. 
- No confirmation by manager about the interoffice practice in your company. 
These factors are raising a great concern because it is SABOTAGING my account to possibly damaging my credit score. 
How would you feel if this would to happen to you? 
With all due respect, I am demanding that my account be resolve immediately of which it has been going on since XXXX 2015. Please, adjust all surcharges for late payments and to reimburse me of all of the money spent proving a legitimate business with your Company. 
I hope that you understand my frustration and help me about my concerns.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (FHA mortgage) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Settlement process and costs

Complaint: Worst bank I have ever dealt with. XXXX XXXX ( of regions mortgage loans in XXXX, Ga ) and his team had over a month and half to get my loan closed, but slacked and for some reason had to push the closing date yet again for a week. Leaving me to pay penalty costs for THEIR mistake. I was told XXXX different closing numbers, my phone calls were never answered and my emails were never responded to until days later. They did not try hard at all to get things done and all I have gotten were excuses to cover up their mistakes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I discovered a credit bureau report from Ally Bank that I did not authorize.

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 02-02-2018 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: 2016 was a hard year. My son, proudly serving his country in the XXXX, went through a painful divorce while stationed in Hawaii. Helping with the legal fees of a long, ugly custody battle as well as the enormous expense of flying to and from there and my home took every cent I had. Things took an even worse turn, when S

ocial Services seized his XXXX XXXX XXXX XXXX and his XXXX XXXX XXXX XXXX. At this point, I did what any mother and grandmother would do, and dropped everything and got on a plane. With my help, we regained custody. But at the end of this nightmare, my savings were gone, and Id worked one month out of the entire year. At the start I was working two jobs. Our family banded together to help care for the children, and even my ex-husband helped as best he could to keep me afloat. I had gotten a payment or two behind on my mortgage and we paid what was due. It is hard to bounce back all at once. Time passed, and as we all resettled back into our lives, I found myself somehow behind by three months. I thought I could pay it back like last time, but the loan had been accelerated. I pleaded with the bank to work with me. Mr. Cooper would be pleasant on the phone, but nothing would be resolved. The fees were still mounting. Someone in only five months, I owed a years worth of mortgage payments! Now I am back in XXXX XXXX, and back to working full-time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: The Company XXXX emailed me a paycheck and it was printed and sent to Bank of America. They deposited the check and then sent it XXXX XXXX who was the bank for the check. XXXX XXXX determined the check to be FRAUD. Bank of America then returned the the check and mad me a negative balance. This FRAUD Check has caused a huge proble, for me being able to open up a checking account. This needs to be removed from my Bank of America Account so I can get my life better. This has caused many issues for my banking ability. Please have it removed.

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 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I CALLED XXXX XXXX TO TRY AND LET THEM KNOW ABOUT THESE TRANSACTIONS THAT WERE MADE ON MY ACCOUNT AND WERE FRAUD CHARGES BUT THEY TOLD ME THE CHARGES WERE TOO OLD. I REPORTED THESE TRANSACTIONS BACK WHEN THEY HAPPEN AND THEY DID NOTHING FOR ME. PLEASE HELP ME GET MY MONEY BACK. I WILL LIST CHARGES THAT WERE MADE NOT BY ME AND DATES AND AMOUNTS. 
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX CARD LAST FOUR-XXXX XX/XX/XXXX XXXX XXXX CARD LAST FOUR-XXXX I NEVER AUTHORIZED ANY OF THESE CHARGES AND THE CREDIT CARD COMPANY WAS VERY RUDE AND NASTY TO ME TELLING ME IM TOO OLD TO REMEMBER AND I PROBABLY FORGOT. PLEASE HELP 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 07/21/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: I was under a modification XXXX of 2013, successfully completed they were then moving my account to another department when I became lost in the system. I received notice of foreclosure XXXX days later, managed to get it stopped with the assistance of a senator within DAYS of the sale on the county steps. I again completed their requirements and received permanent modification XXXX XXXX, 2013. Since then Wells Fargo has my home listed as a foreclosed on my credit, I have been unable to get a loan to replace my roof, I have to pay 12 % interest for a car loan, I have brought this up to them many times without response. Recently I again reached out and they sent me to home preservations to assist me in modifying my mortgage. I am afraid to reach back to them on the basis they may start messing with my mortgage againAll I want is the foreclosure off my credit, it is impossible to exist theses days with this. 
I am enclosing the recent letter to them and their response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not have a signed contract nor any contract with CONVERGENT XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CONVERGENT XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

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 03-08-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (PA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made a payment of my Lowe 's card on XX/XX/XXXX, and had no issues with payment. I made my payment of XX/XX/XXXX, and on XX/XX/XXXX, I receive an email stating that my payment was past due. I logged into my account and looked to see if the payment did go through and it did. 

I called the number on the email and spoke with the representative and he told me that I paid my credit card too early and that the amount that I paid went towards the balance and doesn't count as a payment. I have never, ever, had any issues with any credit card that I have in regards to paying it early. 

XXXX XXXX has been playing games with the credit card by taking away the credit that they gave me, then raising the payment amount. I have never been late for a payment, but I guarantee that I am spreading the word about this issue. I have contacted Lowe 's and they stated they are sending it upwards. 

I am also spreading the word to Veterans groups that I belong to because this is not a way to do business. There are a large number of complaints with the XXXX in regards to this company, but they still have a high rating. I smell a rat!!

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 07/24/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: 2009 loan was taken out w/Santander Consumer USA, worst ever customer service, management. late fees and repossession fees were incurred loan was restructured due to financial hardship that was reflected on credit reports balance was at {$1.00} then Santander came up with having new rules and regulations about fees etc and put over {$1700.00} worth of fees back onto my balance, no notification of new policies or rules no type of correspondence at all a rep to say do n't be mad at me but these rules just changed. my credit reports reflect the balance change and they are reporting late due to this

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan modification from Bank of America loan on XXXX/XXXX/2010 currently owned XXXX. I never received XXXX HAMP Modification - Borrower Incentive XXXX as on the site XXXX XXXX ) '' If the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by 6 % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} XXXX {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 
I would like the {$83.00} per month borrower incentive applied to the principal of my loan for 5 years then on the XXXX anniversary I would like the {$5000.00} applied to the principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Mortgage (Other mortgage) with Servis One, Inc. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: BSI Financial Services, as purported agent for XXXX solely in its capacity as Separate Trustee of XXXX XXXX XXXX, is attempting a non-judicial foreclosure action with a sale date scheduled for XXXX XXXX, 2016. However, BSI is not the agent for the true owner of the loan. In addition XXXX XXXX XXXX, XXXX XXXX, XXXX and the XXXX XXXX XXXX are not the owners of the loan nor are they agents of the true owner of the loan. This non-judicial foreclosure is being wrongfully attempted by a party that is not being transparent as required by Oregon state non-judicial foreclosure laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I printed out an offer from the Internet advertising " 21 Month Intro Offer on BT ( balance transfers ) and Purchases '' on a Citi Diamond Preferred Card. I called XXXX to apply. The telephone banking sales person confirmed it would be for 21 months, and that I would have four months to make any needed balance transfers. So I went through the entire application process and got approved quickly on the phone, but then she told me balance transfers would be for only 12 months instead of 21 months as originally stated. 

That is an outright BAIT AND SWITCH tactic. I have great credit and two other Citibank credit cards with never one late payment. Isn't this BAIT AND SWITCH illegal? 

XXXX XXXX, XXXX, CA

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 12/13/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I wrote a check out to my hair dresser. She cashed it electronically on XXXX or XXXX with her bank, Wells Fargo. She then accidently cashed it again around XXXX or XXXX with Wells Fargo. As a result, my credit union deducted the amount of the check twice from my checking account on XXXX and XXXX. I was double charged. Wells Fargo contacted my hair dresser just before XXXX ( approx. XXXX ) to let her know that the check was double deposited and that the duplicate funds would be deducted from her account. To date, although Wells Fargo removed the funds from her account, they have never return the funds to my account. I have contacted my Credit Union which will research the issue, however, if Wells Fargo knew that it was a double transaction and removed the funds, Wells Fargo should have credited the funds back to my account. Instead, Wells Fargo has kept the funds which do not belong to them. In an effort to contact Wells Fargo abou the issue, all their numbers require you to have an account with them. I do n't have an account with them, but I am impacted by the error in their processes. I finally found a number to reach their executive office after 30+ minutes of searching. I filed a case with the executive office, but was told there is nothing they can do to research or resolve this issue. My credit union must research and submit a request to Wells Fargo to get the funds returned. I contacted my credit union which is working on resolving the issue. However, should n't Wells Fargo look into their systems to see why this error happened and why they are not returning funds. I wonder how many people have been double charged and how many millions of dollars Wells Fargo keeping that does not belong to them and should be returned to the rightful account owners.

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 10-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Please refer to events which occurred by referring to CFPB complaint XXXX. This complaint is related to the above CFPB case no. XXXX. 

I might add to this case that the XXXX office -may have opened up a case against me to protect misconduct falsified documents created by XXXX employees XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX ( man who held the unlawful auction related to my owner occupied home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX - XXXX ignored a Federal Cease and Desist Order issued by my attorney ) DUE to a Television Interview conducted with me by a XXXX XXXX XXXX XXXX XXXX back XX/XX/XXXX. I believe a lower court BK judge was mad that I diplomatically exposed the abuse which I endured in her courtroom. When I tried to reach for help whether XXXX office, XXXX or XXXX XXXX or Congresswoman XXXX XXXX related to the falsified documents - I was always ignored. I have reason to believe due to XXXX opening a investigation on me due to someone not liking my interview. The interview was educational and based on my experience as a mortgage professional who sold loans following CA commercial codes. Please refer to Case No. XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with U.S. BANCORP (MN).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I had a account with us bank in   XXXX   that went to collections and I paid it off through   XXXX    XXXX   debt collectors and they never showed that the debt was paid off and so now I am an able to prove to  US B ank that I had paid the previous debt

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 08/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i called the credit card company and they are showing this account closed. i went through a debt resolution company. i had a settlement with this company which was honored. the balance they forgave is showing on the credit report and it is showing open account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing LLC as servicer for XXXX XXXX XXXX XXXX have filed a civil case against us in XX/XX/XXXX in XXXX XXXX County case # XXXX which lists XXXX XXXX XXXX XXXX XXXX as Trustee under Pooling and Servicing Agreement dated as of XX/XX/XXXX XXXX XXXX XXXX XXXX, despite the facts that we, XXXX XXXX and XXXX XXXX were not in default when the summons was filed. We were current and have proof of said payments. 
Are you aware that the plaintiff in this case is XXXX XXXX XXXX XXXX and is in default of its obligations under applicable Federal and State laws? The servicing agents are not the real parties in interest. XXXX XXXX XXXX XXXX lacks the authority to proceed but have intentionally and fraudulently filed papers and posted notices as though the authority was present.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Capital one 360 my account was compromised and XXXX $ was stolen from my account. They refuse to help me retreave any information and closed my account and refuse to help me

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: American Honda Finance is incorrectly reporting a 30 day late payment on my credit report for XXXX XXXX. I have a credit report dated XXXX XXXX XXXX that did n't report a late for XXXX, but showed a late in XXXX XXXX, also in error. Also attached is a report from this account from XXXX directly that shows XXXX in XXXX. 
We notified Honda, and they updated XXXX to reflect as paid as agreed and removed the late, but at that time they THEN reported XXXX as a 30 day late, as shown on my credit report dated XXXX XXXX XXXX. There should be no lates shown since XXXX XXXX. I have tried at great length to have Honda correct it but they refuse. I am attempting to buy a home and a new car, and this error is having a significant impact on my ability to qualify and the cost of credit with interest rates. Honda had system problems that were causing payments to not be posted or processed correctly, and they even had an announcement on their website, and their phone system informed people of the problem when you called in as well. ( and we have a photo of their website showing that announcement ) We also have all the proof that shows when the payments were made ( not 30 days late! ) I spoke to XXXX in XXXX at Honda financial together with my mortgage broker, on XXXX XXXX XXXX, with no success. At our request, she transferred us to leave a voice mail for her supervisor, XXXX, which we did. 
Thank you for your assistance.

Company response to consumer: Closed with explanation