milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2017 about Bank account or service (Savings account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I went to USAA Financial service branch located in XXXX NC to make a deposit into my savings account. I used their owner operated ATM I believe it was # XXXX located outside of the front door depositing a check in the amount of {$10000.00} the ATM allowed the check to go all the way in the slot but did not seem to take hold of it. I was unable to retrieve it as there was not enough available to remove it so I used an envelope I had to push it in a little more, it then grabbed the check and the envelope moments latter spitting the envelope out. No check the transaction was cancelled by the ATM. I immediately contacted USAA finally after speaking to Deposit Executive Resolution Team was told they would put a rush on it and money would be placed in my account on hold. Today no money was in my account. I called today as was told it would take up to 72 business hours to resolve the issue. I told them this is not acceptable this is an ATM at their financial location owned by them a location they are planning to close at the end of the month and while I was sitting there on Sat other clients told me the other ATM were not working. So it seems they have made a conscious decision not to maintain these ATM 's and I am being punished for their poor maintenance and horrible customer service. the case # XXXX. I asked 4 times to have their security people contact me and have not heard from them I was told by XXXX today that they can not make phone calls??? What ever that means. I want them to preserve the video tapes and all the ATM records I also asked for written records of this claim and was refused I find that highly suspect. 
This issue should have been resolved this AM when the branch opened however I have been told they require 72 hours that is their process. More like abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have called this company many times to try and to get them to fix the errors that are being reported and i have also sent many certificated letters to show that these accounts and inquires are not mines as well as requesting them to update my information such as my address, my employer and my telephone number back in      XXXX   XXXX   XXXX     t hrough certificated mail and as of today     XXXX       it still has not been updated and when i called to try and get this resolved again they refuse to listen to my complaint and try and get this resolved.

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 05-04-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: APR or interest rate

Complaint: I currently have a Menards card through Capitol One. They are constantly charging me 24.99 % APR interest. They say this is supposed to be variable compared to the national average. How could I ever have a chance at paying this account off at that rate?

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/XXXX, I applied for a Wells Fargo XXXX XXXX Credit Card. I am a customer of the bank for over five years and am in good standing and got a credit score in the top 20 % of the population. 

On XX/XX/XXXX, Wells Fargo closed the account, without notifying me. I eventually found out on the customer portal of Wells Fargo and subsequently filed a complained with CFPB on XX/XX/XXXX. ( CFPB Case # XXXX ). On XX/XX/XXXX XXXX or XXXX XXXX XXXX answered to parts of my complaint on behalf of Wells Fargo thru the CFPB. While many questions remained unanswered, according to Wells Fargo the account was closed " by our Fraud Department due to a possible fraudulent application being submitted. '' It was suggested by Wells Fargo, that I should submit a new application by either of the following three options : 1. You may go online at wellsfargo.com website. 
2. You may apply by phone at XXXX. Agents are available to assist you Monday- Sunday, XXXXXXXX XXXX XXXX XXXX ( XXXX ), ET. 
3. You may apply at your local Wells Fargo Branch, when you are back in the United States. 

On XX/XX/XXXX I did as suggested and opted for ( 1 ) above ( Application # XXXX ). This time the credit was not auto approved. Today, I received a letter dated XX/XX/XXXX but postmarked XX/XX/XXXX in which Wells Fargo informs me, that my application after " careful review '' was denied. The resaon given for the denial was : " This is a duplicate application ; you have already responded to this credit offer '' I am sorry, but this is totally absurd! It was Wells Fargo which cancelled the previous account without ever explaining, why a fraud was suspected or why they would n't inform me of such suspicion. It was Wells Fargo who suggested I should apply again, as the old account could not be reopened. What did I do wrong? What has changed, that I was initially approved and am now rejected?

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 Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: Filed on : XX/XX/XXXX Filed by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Filed against : Mr. Cooper XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Complaint Description : ***XXXX XXXX   account # XXXX, acquired my mortgage on XX/XX/XXXX. Mr. Cooper Mortgage account # XXXX, acquired my mortgage on XX/XX/XXXX. Less than thirty ( 30 ) days notice from either party. *** Mr. Cooper acquired my mortgage on XX/XX/XXXX. They are expecting the payment for XX/XX/XXXX which was made to my previous lender. Mr. Cooper ( XXXX XXXX XXXX, XXXX TX XXXX ) acquired my mortgage on XX/XX/XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX TX XXXX ). Mr. Cooper is expecting payment for XX/XX/XXXX which was made to my previous lender ( XXXX  ), payment via US mail on XX/XX/XXXX. Mr. Cooper has made at least eight ( 8 ) emails, a dozen ( 12 ) calls to my cell phone, and today called my employer 's Human Resource Department. I spoke to Mr. Cooper today after they called my employer. Mr. Cooper said that I have a sixty ( 60 ) day grace period for payments made to the previous lender to be transferred. Yet I am being harassed. These are illegal collection calls. I want the collection calls to cease and my credit report to not reflect any late payments. Mr. Cooper is not due a true payment from me until XX/XX/XXXX as payment was made to XXXX for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Incorrect/missing disclosures or info

Complaint: While receiving payments via Venmo and Paypal, it is not clear that the funds stay with those services until I manually log in and request that the money be transferred to my checking account. In both cases, the money rests with them and does not collect any interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I requested that  XXXX  accounts that has been added to my  Trans Union  and   XXXX    credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts bu t Trans Union  and   XXXX   says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my  XXXX  and  Trans Union and  they should be removed immediately :  XXXX   XXXX  {$800.00}  XXXX   XXXX  {$1700.00}   XXXX    XXXX  {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX    XXXX  for any services EVER ... ....     Please remove items as they are ruining  my credit score .

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 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CCB Credit Serivces, Inc (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XX/XX/XXXX emailed company no response and again reached out XX/XX/XXXX again no contact.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: BMW financial services is reporting me 30 days delinquent for my  XXXX   XXXX    XXXX   payment. I made this payment and it withdrew from my account on  XXXX . Less than 30 calendar days later. It was due on  XXXX  and posted to their account on  XXXX . There should not have been any credit reporting. This has dropped my FICO score significantly.

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 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX routinely allows companies to conduct credit checks to my credit profile causing my credit score to go down significantly but when trying to get to the bottom of why companies where allowed access to my credit profile. XXXX has no real answer. Moreover, they have decreased my credit score significantly and after I 've reported to them, that I did not ask companies to check my credit, they want me to ave my credit frozen. Meanwhile, they have keep my credit score very low, costing me loan approvals.

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 12/13/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: Nationstar/Mr Cooper has added forced insurance and escrow to my account when I have insurance and have presented it multiple times. I filed a complaint with you XXXX XXXX, 2017 and now they have deducted for property taxes they did not pay and still deduction forced insurance. My account is a mess even though I have never missed a payment of principle and insurance. Now they are selling my account to XXXX XXXX. 
This forced insurance has been going on for months and numerous conversations from me and multiple faxs of declaration page has not resolved this.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WI).
Issue: Using a debit or ATM card

Complaint: I was involved in a XXXX. I was asleep and my apartment was broken into. Many items were stolen including my debit card. It is a CHASE debit card and when I called to freeze my card they asked me several questions about the last payment I made. The CHASE employee on the phone talked fast and had a strong accent. He asked me about a certain charge but never said a time or place and I misspoke and said that charge was made. This call happened around 8 hours after the incident and I was still shaken up from it. There was {$480.00} taken out of an ATM that was not me and was fraudulent. CHASE denied my claim because I misspoke about another charge that they think I verified. I 've called them multiple times but my case is closed and there is no appeal process other than the court system. I do not want to sue them, but this whole process has taken so much of my time and has been really hard on me especially because I am a XXXX and I spend hours on the phone with CHASE. All I want is my money back, but CHASE does n't care. They never asked me for the police report even when I offered to give it to them. The evidence does n't add up because the police were called about the incident before the charge on the card happened so there is no possible way I could have made the charge. Please please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/26/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We fell behind on our mortgage payments but caught them up. After which we paid our XXXX mortgage payment on XXXX XXXX. Instead of crediting the mortgage payment the company held the mortgage payment in suspense. When I called to find out why, the representative stated that my mortgage was 60 days late and asked if I was calling to correct the issue. I told him that he was incorrect and explained the reason for my call. He refused to discuss the XXXX payment. He stated that instead he needed to verify my ability to make mortgage payments moving forward. I explained again that my mortgage was not behind and had been credited correctly reflecting this fact through XXXX. I was not calling to make a payment arrangement, or get a loan modification, I was calling to find out why the XXXX payment was not credited and is sitting in suspense. He refused to provide this information. I prepared and sent a request in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit line increase/decrease

Complaint: I have a CapitalOne XXXX Credit Card. I have had the credit card account for 11 years. I have never been late on the account and payoff the balance each months. I use the account frequently because of the cash back feature. I recently requested a credit line increase and was notified that the request was denied based on " Your financial obligations reported to us by the credit reporting agency are too high ''. I contacted CapitalOne at their customer service number and the agent told me that she could not provided any additional information on the denial. I asked her who could and she said she could transfer me to a supervisor which I requested she do. She transferred the call to XXXX XXXX ID # XXXX. I spoke to XXXX and he told me that the decision was based on the credit bureau and could not provide me with any additional information. I asked to talk to someone who could provide additional information and he informed me that he was as high as I could go as far as speaking with someone. I asked to speak to someone in their compliance/complaint department and he said that was not possible. He said he would make notes of our conversation and they would be reviewed. He reiterated that the decision was based on the credit bureau. Having credit underwriting experience, I told him that the decision is made by the credit grantor and all the credit bureau did was report a personal credit history and outstanding debt. I said I wanted to talk to someone and have the opportunity to provide detailed income and asset information. He said that was not possible unless CapitalOne requested it from me. I feel that I 'm being discriminated for a credit line increase because I pay my account in full each month and CapitalOne has never made any interest income from me. In addition they have paid several hundred dollars in cash back rebates to me over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: While doing an extensive search of this company. I found out that their license has expired in the state of MD and majority of their offices are closed. The address listed on my credit report is not the same address listed in the search results.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Billing statement

Complaint: I have held a Macy 's store credit card for 30 years. Earlier in 2015 Macy 's mandated that all cardholders be converted to an XXXX XXXX card. Since that time I have been unable to access my statements on-line or receive e-Bills. But since I had n't used the card in some time I was n't too concerned. On XXXX XXXX, 2015 I used my Macy 's card for a small purchase. I have been anxious to receive the statement so I could pay the bill. I tried again to access the information on-line thru Macy's.com but found myself trapped in an endless circle of error messages. I tried calling XXXX customer service numbers provided XXXX in those messages and on my Macy 's card and XXXX times - despite the phone system confirming their operating hours on a Sunday as XXXX ( and I am in the XXXX ) - their system then asked me to call back during normal business hours ... and hung up on me. Eventually I found a standard Macy 's customer service number and began the odyssey of speaking to XXXX different people ; being forced to repeat the complaint to each person. The last person I spoke to was in their debt collection area - which I did n't understand. I used the card 3 weeks ago, how could it already be late - and how could I know since I was n't receiving any statements thru any method of contact. After a difficult phone call with this last person, who refused to listen to my complaint, insinuated that I had provided incorrect information to Macy 's - which we confirmed they had on-record correctly. The final straw? Being told my account is past due and what are my plans to bring payment up-to-date. After telling XXXX people that I have n't received a statement in months, that I did make a purchase 3 weeks ago and just want to get my account squared away on-line so I could make my payment ... I 'm treated like a person who is evading their debt. It 's all bad enough for any customer but for someone who has been a loyal customer for 30 years ... it 's beyond the pale. The last Macy 's employee I spoke with refused to send me an electronic bill, refused to offer any reasonable solution to the issue of not receiving any kind of statement at all and then demanding payment for a statement I never received. This is grotesque incompetence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/21/2016 about Mortgage (Home equity loan or line of credit) with DISCOVER BANK (CA).
Issue: Credit decision / Underwriting

Complaint: I applied for a second loan on my home with Discover Home Loans. During the process I was told there was a pending lawsuit against my property which Discover identified during a title search. After receiving the information, I conducted a county records search, and a title search with XXXX XXXX but my title showed it was clear of any pending liens. Discover Home Loans denied my loan based on the pending lawsuit " XXXX '' on my property, but there is no XXXX. I asked for the information used to deny my loan but was told I was n't entitled to it, although I believe I am entitled to information used to deny my loan. Discover Home Loans has refused any further communication with me. It should be noted that the pending lawsuit case number given to me by Discover Home Loan is a civil suit filed by a citizen against me and several other law enforcement managers with no tie to the incident being brought to court. County Council believes the lawsuit to be frivolous and vexatious as the managers listed in the suit where only identified due to being listed on a webpage. While the lawsuit is public record which is most likely how Discover Home Loans identified it, it is not attached to my property as a lis pendens. I have attached my correspondence with Discover Home Loan for reference, as well as the law suit filing. My goal for this complaint is to receive the documentation used to deny my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Mortgage (FHA mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a catastrophic illness that permanently XXXX me. I lost my job and the bank said they would foreclose on my house in XXXX days. My daughter and I were both on the loan for the house as co-owners. This was our first home. Then we, XXXX at a time we declared bankruptcies and left the home. Never giving us a reason why PNC bank kept delaying the foreclosure for over XXXX years. Then in XXXX we were jointly sued in small claims for the HOA fees of XXXX of the HOA 's. The third HOA was the monthly fees and they filed a lien against the house. We do n't know if they recieved their fees from the final sale of the home on XXXX/XXXX/2014 when the title was finally transferred. We tried for years to get them to do a deed in lieu sign off but they would not do that. The Judge-XXXX at the small claims case, would barely hear our testimony and of course judged in their favor. The HOA did not bring ANY documents to prove the amounts of charged services. The judge said we should trust this lady to send us copies of all the amounts charged since the judge saw her all the time and knows she is reliable. We still have not received a thing and it 's been three weeks. Now the Small Claims court says we owe thousands of dollars on a house for HOA fees on a house that we were told to leave by the bank. We did leave. We would like to to know if this is legal what they did. Can we sue PNC for not foreclosing for over XXXX years because they did n't want to pay the HOA FEES? Should we appeal the small claim judgement?

Company response to consumer: Closed with explanation