milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Application, originator, mortgage broker

Complaint: The Wells Fargo website ( https : //www.wellsfargo.com/mortgage/tools/faqs ) indicates that in order to lock an interest rate on a mortgage application the following is needed : " You can lock anytime you locate a property, or start your refinancing process, up until ten business days before the closing. 
You can select a specific length of time for your lock, usually 60 days. '' I emailed my processor on XXXX/XXXX/2016 ( Thursday ) and expressed interest in locking my rate since I already located the property I wanted to purchase. ( My processor had told both my husband and I that he can be reached by phone or email. ) I got a response from him on XXXX/XXXX/2016 ( Monday ) that I would need to provide the purchase agreement and sign the Intent to Proceed notice in order to be able to lock my rate. The reason I feel this is not fair is because had I known that those two pieces of information were required from me I would 've had that sent over on Thursday ( XXXX/XXXX/2016 ). I think it 's wrong to have two different conflicting pieces of information communicated to me as a customer. If Wells Fargo truly requires the purchase agreement and the Intent to Proceed disclosure in order to lock a rate then that needs to be explicit on the Wells Fargo FAQ page instead of the " anytime you locate a property '' response that is currently on there. This is deceptive to have this type of language out there. The website response is costing me thousands of dollars on my loan because I was at a 3.5 % when I emailed my processor and by the time I got a response the rates had spiked to 4.1 %. I feel that due to Wells Fargo 's negligence I am owed the 3.5 % interest rate on my mortgage loan since the information I had read on the website was not accurate. Also, if this happened to me, it can happen to many other customers so I think they should fix this or have the process updated to truly be when a property is located.

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 07/13/2016 about Debt collection (I do not know) with GC Services Limited Partnership (UT).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: GC Services - Partnership from XXXX, Texas XXXX has been calling my family members and friends in an attempt to collect a debt. They call daily and leave a message asking to have XXXX ( me ) call them back. They told a family member that they have the number listed as an alternate number ( I have NEVER listed my family as alternate contacts ). They have called a minimum of XXXX different family members about this and wo n't stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2015 about Credit reporting () with Credit Plus Inc (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently received a copy of my Credit Bureau Name credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 

Thank you for your help, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: DEBT WAS SETTLED IN FULL ON XX/XX/2013. LETTER OF SETTLEMENT OBTAINED. 

Improper contact and sharing confidential information with people who are not affiliated with me in any business or financial or professional capacity. 

Threatening to take legal action and improperly contacting and sharing this threat with people who are affiliated with me in any business or financial or professional capacity. 

I had received NO prior written information OR phone messages prior to various friends and/or acquaintances with similar names contacting me with this information. 

XXXX XXXX XXXX Debt Collectors Employee XXXX XXXX illegally contacted people other than myself, slandered and lied about my financial obligations to people other than myself. 
XXXX XXXX XXXX Case # XXXX. 

When I advised her that I had already settled the debt and pointed out that she and her firm has broken several privacy laws, her response that was I had provide that letter AND be prepared to present the letter for many years to come as her firm would also be " bundling and selling '' this debt back to the market place. 

I told her I would be providing a copy of the Letter of Settlement to her and that it was only file with various credit reporting repositories. 

This firm needs to be severely reprimanded and fined for their actions. 

LETTER OF SETTLEMENT WILL BE ATTACHED TO THIS COMPLAINT, IF POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: It has been XXXX nightmarish episode after another with bbva compass bank. This bank organization seem much more interested in find a way to levy hefty and generous fees and giving away my money, than any thing else! It was XXXX consumer episode after another. I have been completely unhappy and felt abused in dealing with this organization. I plan on filing complaints with my congressional representatives and whatever federal agency I can find. This organization wants to engross themselves on the backs of the hapless and poor. Which I feel is very discriminatory in nature. Having money in accounts with this organization has been like putting gas into a car while it has holes is the gas tank. I will also be looking into hiring a legal firm to look into these business practices at this banking organization. There are probably a lot more small accounts that are suffering a the hands of this bank. I feel that this bank operates in bad faith and has been gross negligent with my account!

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I had fraud committed on my XXXX credit card account by my ex-wife. Charged over {$2000.00} by my ex-wife unbeknownst to me. I found out about these charges when I was refinancing on my house and the mortgage company went through my credit history. XXXX Company 's excuse was that my ex-wife opened the card when we were still married and decided to use the card after the divorce and I have the deeper pocket so I am responsible for the charges. There is no voice authorization said I accepted my ex-wife into my account let alone no written authorization. XXXX kept saying that because I was once married to her that I am responsible, and if I wanted to cancel her account or even my account so I do not do any more business with the XXXX ; I have to sign admitting that it 's my fault which is not! The company knows I am trying to keep my credit rating up so they are going after me even though it 's my ex-wife who charged all the money! I am the victim of fraud, and I advise everybody to not have this happened to them especially when you go through a divorce. Do not let this happened to you! Especially with XXXX Co. they are the worse customer service to deal with in fraud especially when you are the ACTUAL victim!

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My account is in default because I haven't paid on it due to very low income. Now they are taking my whole entire refund. When I have a child that now I can't even take care of. My tax money was going to be used majority on my child. The struggle is real. I tried to go on the rehabilitation program but instead they just reduce what I owe and only have a month to payback XXXX. First I'm not rich I'm poor so how can I pay XXXX within a month if I don't make nearly that in a year. I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I owed {$560.00}. They contacted my family members that did not have anything to do with this ; even my nephew in another state. Told them that I would be served with papers within an hour. Humiliation and scare tactics. I called them back and made an arrangement. I paid {$270.00} of the debt and the last time they tried to draft out of my account - there were not enough funds. So the " mean '' man started calling me again. I told him they could resume drafts next week. He told me he would be at my house within 1 hour and I needed to have 2 forms of i.d . ready and I would be going to court on charges. I am trying to pay this back - but I do not like being bullied. This debt initiated through Advance America - but XXXX XXXX XXXX is the company harassing me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BB&T CORPORATION (WV).
Issue: Other transaction problem

Complaint: I drove up to the ATM machine at the XXXX BB & T. I used my XXXX XXXX XXXX card ( XXXX XXXX XXXX XXXX ) to withdraw money on X/XX/17. I asked for {$300.00}. It went through the whole process, asked me if I accepted the fee and I did and it said to take my money. No money came out. I walked into the bank to report it and the teller said to check with my card. I called the card and it posted that the money was taken out. I went back in and told the teller and she went to speak to a manager, or someone in dispute and she came back and told me she was told there was nothing they could do since I was not a member of the bank that I needed to file a dispute with my card. I called my card and they said I was doing the right thing and they took all the info and told me it would be investigated. I got an email after 12 days and it said the dispute was denied. I called and asked why and they said based on info the bank sent them. I called the bank to tell them I was denied. The teller again went to talk to someone and came back with sorry we cant help since your not a member. I got a number for customer service and explained to them what happened. I told her the day and time and asked why no one cant look at the cameras to see I did n't get any money. I asked for ATM number and was told they could n't give me that. I asked why they had the machine if they was n't reasposible for it and was told its a courtesy. I said there was no warnings that if youre not a member and something goes wrong that you would not be helped by that bank. They just apologize and say since Im not a member there is nothing I can do. on X/XX/17 I had a withdrawl of XXXX from BB & T ATM on my XXXX XXXX XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Making/receiving payments, sending money

Complaint: JP Morgan Chase through XXXX took {$2700.00} from my personal Account for a payment for a business I am not familiar with or have any knowledge of. The funds were not authorized to be taken and I disputed the funds and Chase refused to return the funds

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016, I used online bill pay through the University of XXXX XXXX and accidentally sent my XX/XX/XXXX mortgage payment of {$1800.00} to Ditech, the mortgage company that previously held my loan. My loan was transferred from Ditech to XXXX Mortgage in XXXX. Ditech cashed my check and I was not aware that I had made an error in payment until I received a letter from XXXX Mortgage on XX/XX/2016 stating that they had not yet received my XX/XX/XXXX payment. I reviewed my online bank account transactions and discovered my error. I contacted XXXX Mortgage right away and explained my error and sent them proof of my on time payment and error. I also contacted Ditech who originally told me that the money was transferred to XXXX Mortgage on XXXX or XXXX and that XXXX Mortgage should be receiving shortly. As of today, XX/XX/2016, XXXX Mortgage still has not received any transferred money from Ditech. Ditech has now told me that they transferred the money on XX/XX/2016. Each time I call Ditech I get different information and no one is able to provide proof that the funds have been sent to XXXX Mortgage. I am incredibly frustrated and feel that Ditech has stolen {$1800.00} from me and are causing harm to me by not releasing the funds to XXXX Mortgage and they are creating a domino effect of issues on my current mortgage and XXXX be negatively impacting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit card () with U.S. BANCORP (MI).
Issue: Credit determination

Complaint: For more than 5 years I carried a balance in excess of {$5000.00} with U.S. Bank on a credit card with a high interest rate. Each month payments were made automatically from my bank account to U.S. Bank. In XXXX 2014, I paid the account in full and discontinued the automatic payments. Months later I received a call from U.S. Bank stating that I was delinquent on my account. Apparently interest had accrued on the account, even though the balance had been satisfied. The customer service person apologized for the error and agreed to have the balance waived. Roughly 30 days later, I received another call ... .again indicating my account was delinquent. I explained the situation and was transferred to a manager, who again told me that the balance would be removed. The account was closed at my request. I reviewed my credit report last week and discovered I have a delinquent charge on my account from U.S. Bank, drastically reducing my credit scores. I would like the delinquency removed from my history and my credit restored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I went to purchase some items at Home Depot in XX/XX/XXXX and made a Home Depot staff at check out who offered me a credit card with a promotion value worth $ XXXX {$40.00} discount on my purchase. I refused and offered to pay and leave but she insisted. I obliged her but after applying for the credit card she applied the discount of {$40.00} and I paid the remaining amount at the desk. 

I did not get any credit card subsequently and did not make use of any credit card from Home Depot. However, I got this bill for {$240.00} on the XX/XX/XXXX. I called the number stated in the bill to clarify and I understood that the card is issued by Citi Bank. I was not satisfied by the response of the customer services rep I spoke to therefore I went to the Home Depot Store that offered me the credit card. They promptly discharged me by telling me that it is none of their business. I need to get this bill cancelled as I did not get any credit card neither have I made any purchase through a home depot credit card. My understanding is that the discount applied at the day I made the purchase was a promotional discount. I also do not want to take any credit card from Home Depot neither do I need a citi bank credit card at the moment.

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 05/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Chase credit  card charged interest on full amount of credit card bill (  XXXX  ) payment was (  XXXX  ) with a shortage of (  XXXX  )  Interest  was  (   XXXX  ) ) Call to  Chase and was told  this is not double-dipping. Is this true? Sounds very underhanded to me.  XXXX   XXXX  credit card number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . Bill date is due  XXXX / XXXX /17

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We have decided after paying off my husbands student loans to make extra payments on mine to pay them off quickly with less interest. We went on the mygreatlakes.org website to pay a {$400.00} extra payment. My husband noticed pretty quickly that the website was not set up in a way to find " important '' repayment information. He tried to find out what my different loan interest rates were and I said, " no it is just XXXX loan ''. He has had more experience with these matters and informed me that there were actually several loans which would have different interest rates. He could not find them so he used the search function entering " my interest rate '' ... which did not lead to the interest rate. Now he was irritated and motivated to find them, which he did finally find them under a tab that was titled " Student Loan obligation Statement ''. With that completed we went on to make our extra payment on the highest interest rate loan. After going through the entire online payment process he realized it did not allude to nor give an option to pay the loans separately nor identify any of the interest rates. Frustrated he called them and asked how he would go about paying on XXXX loan? We were informed that you can not do it online ; we have been in other online websites for student loans which all show interest rates and give the option to apply your extra payment as you see fit. To apply the payment to a specific loan we had to call in and ask them to do such. Then he asked for email confirmation that this conversation had taken place and they were going to apply the money as requested. She said no we ca n't give you any confirmation you will have to call back in a couple of days to find out if it was done ... unreal. Another item to think about is that if you make any payment, although their website states how it is applies, there is no way to confirm or verify what was done with your money. There is no history or tracking of monies applied only monies paid ; talk about a lack of accountability to the customer. I am afraid that mistakes happen and errors can be made ... we, the account holders, should have full disclosure of all MONIES paid and how they are applied rather than a payment. 
My husband has the knowledge to see these things, but most I would say, including myself, do not. It would be nothing for this company to take advantage of us since there is literally no way to see or dispute anything they do. At best this is poor design, management, and oversight ... at worst this could be criminal. We have pics of the sight to show our claims if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Ally Financial, their representative XXXX XXXX XXXX refused to validate ( their ) the alleged debt for an auto loan, prior to taking legal action. 
Prior to this, Ally Financial made false statements regarding this loan and the loan had been modified ( mutually ) : there was no record of this provided. 
Ally Financial refused to acknowledge any issues and upon request, sent inaccurate information in response.

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