milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Neither equifax nor experien have a process that works. Online they collect the information then say they ca n't do it, when you call they route you to a dead phone. 
Just a run around. 
Both should be fined heavily for proliferating incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: My USAA # is XXXX. USAA wrongfully closed 3 of my credit cards. Two of which where part of a cash rewards program. One of the two USAA decided after a year in violation of regulation Z 's billing dispute timeline of 90 days to charge back fraudulent charges which they finalized in my favor previously. Granted the original billing dispute resolution still took a little more than the 90 days provided by law. <P/>Despite the failure to recognize and follow billing dispute timelines set forth by consumer protection laws, I was charged anyway. These charges should have earned the respective 1.5 % cash back on regular purchases and 2.5 % on gash and groceries. Which charge back fit under which category I am unable to correctly determine as USAA has refused to provide the requested documentation or identify the charge backs in any way. <P/>In addition there was a cash back balance due to my on both my XXXX and XXXX cards as part of the cash rewards program. The previous cash back balance as well as the cash back rewards which should have been earned on the charges returned to my card are unaccounted for. The last document I received from USAA stated a {$0.00} cash rewards balance. Yet I have not received the funds, nor any notice of where they are.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am following up with a previous complaint I made with the cfbp about Wells Fargo and their foreclosure filing on my home at XXXX XXXX XXXX, XXXX MA XXXX. I have been working with XXXX XXXX on my previous complaint but was advised to update my complaint based on new information I received from the Wells Fargo. Despite the ongoing negotiations during my complaint, Wells Fargo has moved aggressively forward to foreclose on the home. I was told by a real estate representative for Wells Fargo the following information " Yes, we have the F/C deed. I am not sure what information this former is providing you but we have been proceeding with eviction for months. Per my attorney " the Execution was requested from the court today, XXXX/XXXX/16, and takes approximately 7-10 business days to be signed and issued. We will advise once received and issued to the constable for lockout scheduling. '' One of the major issues with Wells Fargo is they have never followed the steps they outlined to me as part of my original loan modification that was going on earlier in the year. What concerns me is that I was offered ways to save my house in XXXX 2016 but nothing was ever confirmed by Wells Fargo since they kept changing my contacts to handle my situation. I have also been told multiple times that Wells Fargo did not receive all my documents, despite the fact I faxed these documents multiple times. During all this, I learned without having any decision, my house was put up for sale by Wells Fargo and sold to their real estate division for {$250000.00}. I wanted to make sure Wells Fargo had received all the required documents for my loan modification which I sent in XXXX and again on XXXX XXXX, 2016. The documents I sent to the bank at that time were listed as Wells Fargo requirements for loan modification which included Explanation of Financial Hardship, Homeowner Financial Assistance Form, IRS Form XXXX Request for Individual Tax Return Transcript. Documentation to verify all income of the borrower ; and Dodd-Frank Certification Form. As part of my initial complaint I asked to have Wells Fargo to confirm they received all these documents which they have continued to fail to do. They also provided timelines of giving me a decision which again they have failed to do as described. I was advised to file this second complaint based on the fact that Wells Fargo continues to ignore my requests and are moving forward with the home foreclosure. I have not been even given the opportunity to do a short sale which based on its current valuation is probably going to be a very small amount if that since the house and property is currently valued at XXXX even though my mortgage was {$210000.00}.

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 04-08-2017 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (NY).
Issue: Application, originator, mortgage broker

Complaint: I recently closed on the purchase of a home. The Closing Disclosure was generated multiple times in the 24 hours leading up to the close date. There were glaring errors on the CD. The banker admitted that the CD numbers were incorrect. I understand that certain numbers will change slightly, but in this case there were blatant errors to which the banker admitted. He insisted that I sign the CD 3 days in advance of the closing even though he admitted that the numbers were incorrect, telling me that if I did not sign the document we would not be able to close on time. An example : the " Down Payment/Funds from Borrower '' incorrectly listed the purchase price. 
In addition, the Title company told me that they quoted the Title Search amount to be {$500.00} but the banker quoted the Title Search at {$300.00} on the Loan Estimate and on the subsequent CD 's until the very last CD was sent to me just hours before the closing. The final Title Search amount was {$710.00}. That 's a long way from the {$300.00} initially estimated. 
Every time the CD changed the total Cash to Close was higher. 
I highly recommend that people avoid using Branch Banking and Trust Company ( BB & T ), XXXX, FL 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 explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: -They keep charging PMI insurance while I payed 1.60049291 % of my mortgage price -They allow ( permit  ) my la nd load to decide about my mortgage which they should n't involve at all about my mortgage. I only must make a decision about my mortgage.   -T

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 03/25/2015 about Mortgage (Conventional fixed mortgage) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I obtained a payoff amount by phone on XXXX/XXXX/XXXX @ XXXX which was higher than the payoff amount that was calculated. They could not explain the difference. Coincidently the difference is the same amount that I had disputed earlier and had been resolved in my favor. I paid off the amount due as stated on the loan statement and disputed the difference. They have continued to add interest and late payment charges on this disputed amount and after numerous letters and forwarding them all of my cancelled checks for XXXX, XXXX and XXXX and including a spread sheet that shows the balance going down after the resolution in my favor on the unsubstantiated charges and then jumping back up by the same amount just a couple of months later.I have been mailing, phoning and even went to the bank to get an explanation. After almost a full year the only response I have received is " It does n't look right. I will check into it '' from the local branch manager and XXXX letter in XXXX saying they were looking into it. There has still been no attempt to justify the charges. 
They have made repeated charges for which they could make no justification since taking over this account from XXXX XXXX. In XXXX they charged late fees when I had cancelled checks showing that I had paid on time. They initially claimed XXXX late payment back years before they took over which I paid, Than they mysteriously found more late payments from when XXXX had the account that XXXX never made reference too and tried to claim them. When I threatened to report this to the banking authorities they resolved the amount in my favor. A couple of months later the same charges re-appeared and again I could obtain no valid explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Checking or savings account (Savings account) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX I withdraw {$1000.00} from XXXX XXXX. The teller asked me to swipe my driver 's license on their machine before she gave me the money. Because, she did not gave me a receipt of the transaction I asked for one. She gave me a balance inquiry instead of a receipt. The balance inquiry showed that on last processing date XX/XX/XXXX the balance is $ {$2000.00} and on XX/XX/XXXX the available balance is {$1000.00} after the withdrawal of {$1000.00} The teller should have given me the transaction receipt so the correct amounts on XX/XX/XXXX and XX/XX/XXXX were correct. The processing date should be XX/XX/XXXX, the beginning balance should be {$2000.00} and the available balance after the withdrawal is {$1000.00}. 

The teller should not have asked me to swipe my driver 's license in their machine. I used a withdrawal slip to withdraw. I believe that my driver 's license and my account were compromised. I believe the teller and the bank tricked 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 09/20/2017 about Checking or savings account (Checking account) with WEBSTER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: This bank is horrible, each banking rep in person or on the phone will give you different answers. The scam works as follows : The backend computer system adds a delay to any deposits you make will be delayed as long as possible in order to charge you more overdraft fees. 

Any withdrawals are structured in such a way so that they will not appear on your statement or at the ATM until its too late. They structure them to their advantage. There are literally hundreds of other people that have this exact same complaint. I want a refund for all NSF fees i paid to this bank or I will sue them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: The U.S. Bank charged me $ XXXX/per overdraft. They continue to do multiple charges overnight when your deposit is considered not in place yet. I cashed my checks at XXXX and deposited my fund to cover the checks at XXXX. I ended up getting 3 overdrafts. Over the phone, different branches, home branch included and all the bankers were finding their ways to excuse that 's not the bank 's fault. That 's to tell cut-off time is on customer 's fault. I asked if there is any leeway or courtesy to help waive some overdraft fees as I have never had that happens to my US Bank account, they insisted at NO. Horrible banking experience, terrible customer service.
The XXXX XXXX XXXX where I deposited my US Bank check into charged me {$12.00} fee for the return check while I 'm their newly opened account owner and unfamiliar with banking at XXXX XXXX XXXX. I asked the local branch banker and he turned to ask his manager, none of them could help reverse the fee. It was another bitter moment.
I forgot my book of checks from XXXX  where I hold most of my fund. I had the book of US Bank checks with me instead, so I use those checks to deposit money from US Bank to XXXX XXXX XXXX. I lost {$120.00} due to unfair overdraft charges and bureaucracy.

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 01/29/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been repaying for over 5 years. I would like to find out why my loans are not being lessened every month. I pay {$1400.00} every month and it goes in to the whole total of the loan. These loans are direct and private apparently. The payment page says it is put towards my loans however I have looked for the past year that the money is some how disappearing. In XXXX of XXXX I paid the XXXX and the loan balance is {$2900.00} but as of XXXX the loan balance was XXXX. Please tell me where my XXXX dollars went? XXXX I paid XXXX again and finally the balance did go down to XXXX, something I did unfortunately not write that one down. However it appeared the money was finally used but what happened to it in XXXX? Now XX/XX/XXXX the loan shows XXXX when I went to pay the loan on the XXXX of this month. Today the XXXX I looked to see what my XXXX went It is now at XXXX. When I did the math to this my loan should be XXXX. There is a XXXX discrepancy on the loan.So my money is again missing. Please help I have no clue what to do. I have been paying the loan off for over 5 years it started at {$80000.00} and I am finally down to XXXX. Still WHERE is my money going? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CO).
Issue: Other service problem

Complaint: In XX/XX/XXXX Paypal placed a limitation on my account that is linked to a website that I opened in summer of XX/XX/XXXX. I am a XXXX XXXX living in XXXX, Colorado and I started this as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Everything is shipped from my house and I do everything myself. After 2 months of hustling I designed a product based on my customers feedback and it was an instant success. Starting XXXX I started making sales over {$7000.00} per day and the Paypal system flagged my account. I submitted all the documents that they asked for and that same day they came with the decision to limit my account permanently and now they are holding roughly {$52000.00} for 180 days. They just told me that my account was marked as high risk but they did not provide any further information. I kept asking and they just said that it was too risky for them to do business with me. I do everything the right way and I even provided them with all the information about the product I sell, the supplier, the invoices, etc. At this point I do not care if they hold my funds, I just want to be able to use Paypal again because my product sells around 50 % more if I have Paypal available in my account. I am willing to work this out because my company is transparent and takes the customer satisfaction very serious. I had very few complaints and felt like the limitation was completely unfair because I have been working for this over 3 months, day and night, and the USA system is known to reward those who are willing to work hard and deal with problems.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2016 about Prepaid card (Payroll card) with NETSPEND CORPORATION (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX, 2016 at about XXXX I was having breakfast with my son and his family. I got a text on my phone of a XXXX charge. I called netspend as soon as I saw the text because I hadnt authourized this charge. The rep I spoke with was nice she advised me there were 3 pending transaction adn asked me several time which of the 3 did i not authorize. I told her. At that time she stated she would be cancelling my card and sending me a new one. I asked this rep over 5 times if my new card would have the XXXX taken off it and she stated no that all the funds would be availabe once my new card came I explained to her that 2 of the charges were mine and i didnt want problems with those companies. again she stated dont worry im cancelling your card so it is a pending transaction and you will be fine. I told her my rent was due soon and I need to pay it. again she assured me and the restuarant ( i had my cell phone on speaker and was upset so everyone could hear my call ) i asked to have the card expedited and she said she would without a fee. Card arrives about 3 days later. XXXX is gone and XXXX expedited fee is gone. i contact netspend and was tld just the opposite of what i had been told by the rep who said since it was pending that it would not be taken. this rep said the mone was released to the merchant 2 days after my card was cancelled and now i have to file a dispute to get it back, i am so frustrated and all calls to the corp office are returned to me by robotic people who just talk from a script. I have seen that this apparently is a common practice of this company and something needs to be done. i have filed a complaint with XXXX but since they are so large no one seems to do anything to stop them, I need my maoney and now they told me that they would have an answer for me by XXXX on XXXX. i didnt authorize this charge. im told they have to make sure they go by the guidelines of regulation e. i need my mone im XXXX on a fixed income and have had to borrow to get thru the month due to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Conn 's calling my phone up to 8 times a day. I told them on Monday I would be making a payment and they still continued to call. They have called my work once. They called my mom and she told them to stop calling and they told her that they will just call my work. I 've answered the phone several times and no one is there. I have the call records on my phone to prove it. I would like to press charges against them. I will never deal with them again. We only owe {$52.00} and change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Debt collection (Payday loan debt) with Recovery Management Solutions LLC (KY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Recovery Management Solutions call me daily from various numbers and area codes. I 've asked them to stop calling and mail me verification of the debt. They refuse to mail me verification. They call daily harassing me and using abusive language.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Account opening, closing, or management

Complaint: In 2015 a fraudulent check was deposited in my Suntrust account, I notified ny local branch manager it was reported to the fraud department. I also filed a police report on Identity theft previously. My Account was overdrawn because of this check. Suntrust prematurely closed the account. Leaving me with a balance I assume. This was reported to collections but I was made aware. Now i have a problem with being in chexsystem with both Regions And Suntrust.

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 07-11-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Asset acceptance llc in XXXX Mi received a judgement against me for a debt from the XXXX district court. I was not notified and if the debt is indeed mine it is very, very old ... at least 10 years. It 's for {$18000.00} and my state tax was garnished. They must have misrepresented the debt to receive the judgement. They have a history of engaging in deceptive practices to collect time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Payday loan) with CNG FINANCIAL CORPORATION (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Was unable to make payments on a loan I took out with Check-N-Go, due to illness. The account was sent to XXXX and they contacted me regarding the debt. I was able to set up good faith payments of {$50.00} per month while I attempted to come up with the money to pay off the account. I was late on my XXXX payment and offered to pay it on XXXX/XXXX/XXXX. The person who had worked with me previously advised that her manager was taking over the account. His name is XXXX XXXX - XXXX x XXXX. I explained my situation and requested we continue the {$50.00} per month payments until I could catch up with my other bills. I advised that I would need until the end of the year. XXXX XXXX was extremely rude, accused me of not wanting to pay my debts, made false statements regarding the value of my home, and accused me of declaring bankruptcy in XXXX, none of which is true. He has threatened to have me sued. I requested multiple times to have him work with me but he declined. His tactics were extremely antagonizing, derogatory, and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The mortgage lender failed to adjust the escrow amount even though property taxes increased. Because of that I have a large negative escrow balance. Now I receive a notice that the lender requires almost {$4600.00} now, or I can have my payment go up by 48 % for a year to correct this.

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