milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TN).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I keep getting the XXXX XXXX from this company. I have tried 5x unsuceesfuly, especially afteer getting hosed by XXXX, and some customers XXXX on the 1st of the month ( a mil payday ) to access funds. 

I have a severe plumbing issue and I need things from XXXX or XXXX. I was unlawfully denied because XXXX was shooting " unamerican bitcoin cash outers '' in the foot. When I highlighted this after 6 hours or more of tweeting, the card let some transactions thru. I was called " unamerican '' for an XXXX XXXX account secured CD I tried to open and my info is continuously out of XXXX reported to me, even though somehow the bank has my info. Sent info to XXXX and usaa but I keep getting the PC XXXX instead of " getting XXXX straight '' ( as chief says ) with the bank. 

THis is the 3rd bank im having XXXX with and XXXX DESERVE BETTER than this XXXX organization that treats us worse than trash. they deserve less than the reputation listed online and can XXXX XXXX complaints in the XXXX XXXXIf treat people this way, DONT EXPECT POSITIVE REVIEWS AND TWEETS. unlawful reporting as ABUSIVE to twitter is a 1st amendment violation and illegal censorship. companies do not have the right to choose how info or what info gets leaked about them because of thier bad actions. this is also a trend. XXXX payments take over 3 mos to move. balances have been refused to be sent to my other accounts and the option to add more isnt working, as is half of thier website on a ongoing basis. This is why I left regions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: I opened a bank account with US Bank XX/XX/XXXX. When I opened the account they told me that there is a {$36.00} fee for overdraft, unless I sign up for their credit card. I did n't want another credit card so I agreed. XX/XX/XXXX I received a statement saying I have a balance of {$11.00}. Then I received a letter a week later saying my account over drew by XXXX bucks, and that they were also adding on the {$36.00} overdraft fee. Within 30 days of this notice of overdraft I deposited {$210.00} more then enough to cover the $ XXXX I was at. Apparently they also charge a $ XXXX/week fee above and beyond all previous fees. This was never told to me, I never received XXXX letter saying I was being charged $ XXXX/week fee, and That is a gross overcharge on the beginning amount. I called customer service today to question this and I was told that they sent me a postcard or packet in the mail telling me of these fees they were now allowed to charge, but that it was never a document that needed my signature. How can they add such a fee without my agreeing to that? This is completely unfair practice that before I have seen a XXXX statement I can be charged a total of {$130.00} in fees ; {$100.00} of those that I was never told about. I cancelled my account and will never do business with them again, but I was robbed and it 's not fair that a bank can take take take with no notice. The customer service agent I spoke to on the phone is named XXXX, id # : mhtwigg, I spoke with him at about XXXX on XXXX XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently viewed my credit report for XXXX. I notice U.S Collection West was being reporting twice for 2 different accounts. I disputed and asked them to send me variable proof that this debt is accurate, instead I received two letters just giving me a break down of the debt, nothing with my signature, nothing stating that they purchased this debt. And on top of that I never received notice after they purchased these items to allow me time to dispute it before impacting my credit. 




FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...

( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Payoff process

Complaint: On XXXX XXXX, XXXX, I made arrangements with the 53rd Bank # XXXX, XXXX, XXXX to settle my outstanding debt in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, XXXX and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that all XXXX of my credit reports were not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I mailed a letter to the creditor to request that they uphold our agreement and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX the creditor has not removed the account from my credit reports, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts the debt is still being illegally reported and they accepted the terms of our agreement by cashing the checks. My credit bureau disputes are being ignored and my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NJ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I just called to activate my new XXXX XXXX credit card from XXXX XXXX and the representative told me on the phone that my account was closed and a letter will be sent in the mail. This has never happened before and I am completely embarrassed to have been treated this way.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Delinquent account

Complaint: Synchrony Bank calls up to 10 times a day regarding a delinquent credit card account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Rewards

Complaint: I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: BoFa was supposed to close my home loan on XX/XX/XXXX. BoFa 's underwriting department decided on XX/XX/XXXX to change the terms of my loan, and classified my home as non-owner occupied. They told me I need to pay a 25 % down payment, they took away {$2000.00} in lender credit and charged me {$2100.00} in loan amount points. They changed my interest rate from 3.375 % to 3.500 %. BoFa had a promotion going on that if I brought in $ XXXX in new money to BoFa, then they will give me a .25 % reduction in my loan. I brought the $ XXXX over to BoFa and my new interest rate should have been 3.125 %. Underwriting never gave me an explanation on why my place is considered non-owner occupied. I told BoFa that I do n't plan on moving. The seller was purchasing another property, so I did not have time to shop around for another bank. I had no choice but to close with BoFa. BoFa dragged out closing this loan, and I closed on XX/XX/XXXX. I purchased the property that I lived in for the last two years, and the owner did not involve a realtor in the sale of the property. I kept telling BoFa that the non-owner occupied classification was a mistake, but they would not correct this. The loan officers told me that underwriting has already made their decision. It is not right they told me this right before closing. I have no idea how to fight this or what my rights are at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Closing/Cancelling account

Complaint: In XXXX, 2015 Capital One issued me a new credit card ( with chip protection ) and a new credit card number. I emailed the XXXX XXXX XXXX that I wanted to cancel my on line subscription ( directly billed to my credit card ) instead of updating them with my new card number. XX/XX/2015 I get my statement from Capital One and notice for the first time that the XXXX has continued billing me for a subscription I had cancelled. 
I never gave the XXXX my new credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Medical) with Meade & Associates, Inc. (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Refused to send verification of debt via mail after I repeatedly asked and told them I have not received anything through the mail in over a year. Debt collector then told me I was lying and told me not to waste his time so he could move on to someone who actually wanted to pay their bills. Refused to let me speak and laughed at me when I started getting frustrated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-01-2018 about Checking or savings account (Checking account) with PNC Bank N.A. (PA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XXXX XXXX had a PNC Bank Account since XX/XX/XXXX.

InXX/XX/XXXX XXXX  and I started to see a lot of fraudulent activity on his account.

We tried calling the bank and to no avail was an investigation done, the account was not put on freeze nor was the account closed.

We did dispute the unauthorized transactions but a lot of the transactions were denied or reversed and XXXX  was paying double to triple times for those unauthorized transactions.

In XX/XX/XXXX the bank made a {$400.00} error and never corrected it and stated that they had videos from a convenience store ATM and they had no court order to get those videos.

Plus in XX/XX/XXXX his account was finally closed and now the bank states we owe them {$80.00} and the bank is still putting money into and reversing transactions from his definite closed account!

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX and Equifax both are telling me that I need to furnish proof of my identity in mail in order to view my free annual report. I have gone through this exact process before by both of these bureaus in XXXX 2013 and despite sending them both a driver 's license photo and a piece of government mail with the address on the letter, they still do not recognize me. XXXX had no problems. Obviously the other XXXX bureaus are very mistaken about me. This is leading to tremendous problems and is repeatedly been an issue when attempting to open lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir/Madam, Since Seterus, Inc took over my loan from XXXX XXXX XXXX in XXXX 2013, I have been experiencing multiple problems. I was told that some payments were missing. I sent proof in the form of cancel checks and bank statements. It seems that Seterus, Inc will always come up with something new after submitting proof of evidence. This has been going on for about two years. 
Therefore I asked XXXX for help.We spoke to a Vice President by the name of XXXX XXXX XXXX who mentioned that my XXXX 2013 payment was missing and that I should send proof to the Michigan office and all will be settled. 
A XXXX XXXX asked me to send copies of XXXX check and bank statement which I did. 
Recently, a XXXX. XXXX wrote me advising me that my loan was delinquent and all payments were applied to the loan without explaining to me how and when the delinquent took place. 
For about two years now, XXXX person will say XXXX thing and another person says something different. 
This has caused my credit to be poor. 
I need some help and thanks in advance. 
Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Debt collection (Medical) with RS Clark and Associates, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Will not stop harassing me I started getting harassed by RS Clark And Associates before I even received a bill from XXXX XXXX. I called the doctor 's office and asked for an ITEMIZED bill several times, and they would n't comply. I told RS Clark that I DO NOT engage with or deal with collection agencies, and to not EVER contact me again! Since then, they have contacted my by telephone THREE times, and by mail ONE more time. This is harassment! I finally received what I was asking from XXXX XXXX 's office, and will be dealing directly with him. Once again, by law, when you tell a collection agency to stop contacting you, they must comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Debt collection (I do not know) with The CBE Group, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive calls from the CBE Collection group to return their call to handle a debt situation. I currently have an excellent credit rating with no outstanding debt, I keep current with regular payments and the record indicates that with on time, never late, and never missed a payment. Calls originate in XXXX and CA with the following caller ID 's XXXX ; other numbers received include XXXX ; XXXX associated with " US Treasury '' I would appreciate these uninvited/unwanted calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I filed bankruptcy in XXXX 2015 it discharged XXXX 2015. Per my XXXX credit report it reflects XXXX XXXX XXXX XXXX XXXX XXXX account were closed XXXX/XXXX/2015. Per the Equifax XXXX credit reports the accounts still reflect open. I have contacted both XXXX and Equiax and requested to have the information updated per the XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HONOR FINANCE, LLC (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: My identity has been breached. An unknown party changed my contact info on my XXXX XXXX account. XXXX XXXX said this was done over the phone because the person was able to provide the last XXXX digits of my social security number and answer security questions. ( I do n't disclose this info to anyone ; so, I 'm not sure if this was an inside job or if XXXX XXXX server security was hacked again. ) The next step was to contact the credit bureaus. TransUnion could n't verify my identity/info, so denied my request. Customer service recommended using AnnualCreditReport.com. I went through the process on that site, but TransUnion again could n't confirm my identity/info. This prevented me from seeing if the other XXXX bureaus would release my reports. I ended up ordering the reports over the phone, but it 's going to take 15 days for delivery. Not good when one is trying to repair damage due to a stolen identity and prevent further damage. 

I called TransUnion. Not only could they not explain why I was being denied, they would n't provide a credit report unless I purchased it. That 's wrong. I 'm the victim of a crime. A crime that can ruin my credit, my reputation, and leave me penniless. 

AnnualCreditReport.com 's one credit report per year rule should be lifted when one is making the request due to identity theft. Credit reporting bureaus should n't be allowed to charge for a credit report when the request is made because of identity theft. 

How can the Bureau of Consumer Financial Protection help the operators of AnnualCreditReport.com better assist victims of identity theft rather than making the experience more XXXX? 

Regards, XXXX XXXX XXXX : 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 non-monetary relief
Consumer complaint received 09-07-2016 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Unsolicited issuance of credit card

Complaint: Wells Fargo sent me a letter telling me I was " ..among a select group of valued customers receiving an automatic upgrade to the Wells Fargo Signature Card. '' It went on to explain that this " upgrade '' would happen without any input from me, and listed " benefits '' none of which were actually of any benefit whatsoever to me. In fact, there were changes in the fine print to the minimum payment calculation that would be detrimental to me under certain circumstances. I am complaining because 1 ) the claim that this is an " upgrade '' is totally fraudulent ; 2 ) the change was made unilaterally- rather than asking me if I would be interested in the change, I was informed the change would be made automatically unless I made a phone call, costing me valuable time for no good reason.

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 07-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Set up several student loans with XXXX XXXX, who then turned into Navient. Performed SEVERAL forebearances over the years ( due to financial hardships ), and also went through a couple of income-based repayment plans. No information was given regarding these services, and now I have over {$50000.00} in student loans due to interest. This information should have been disclosed and signed off on prior to obtaining these hardship options.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Credit card) with Firstsource Advantage, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On the first contact, the collector DID give the Mini-Miranda, but DID NOT verify any of my information such as D.O.B or last XXXX of SSN before proceeding. Once she asked if this was " first name, last name '' and I said yes, she immedietely began to disclose information about my debt. ( I could of been any " first name, last name '' ) This is an FDCPA violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Debt collection (Federal student loan) with Allied Interstate LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Allied Interstate in XXXX placed a wage garnishment against me on a student loan debt that was outstanding ; while making small payments from time to time. I not once spoke to anyone at this collection agency in regards to this matter. In XX/XX/XXXX, I took a FMLA from my employer to care for a parent after being here since mid XXXX. In XX/XX/XXXX, my father past away in my care during his illnesses. During this time small payments were being made directly to Department of Education 's website. Needless to say, I have been attending college since ( if not mistaken ) XX/XX/XXXX up to this present time. After speaking with a representative in regards to the garnishment, she asked if I could settle the account immediately I am not in a position to settle a XXXX account. Some papers were mailed to me to assist with making paying arrangements in order to release the garnishment. To mention once again at this present time I am still attending college. I am requesting monies to be paid back, and release the garnishment against XXXX XXXX XXXX XXXX XXXX. Especially after returning back to work from XXXX, and we are working during the summer months. The XXXX for 10 months are employed for 180 days. There has been XXXX occurrences were XXXX payments have been garnished during this time. XXXX XXXX XXXX XXXX XXXX began XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation