milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Bank account or service (Other bank product/service) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Making/receiving payments, sending money

Complaint: USAA staff advised us on XXXX, in XXXX separate phone calls, that USAA is now permitting all fraud activity on their members ' cards to be handled by a fully automated system. USAA further advised us that this system is completely autonomous and there is no human oversight or control. Therefore members ' cards will be subject to hold and suspension with no known cause or effect. This will cripple business and personal activity of those members who can now not rely on the availability of the credit and purchasing power given to them under the card members contract with USAA. 

This violates the following : USAA card member agreementState lawFederal lawTruth in lending lawFederal law governing internet and on line treansactions Personal civil rightsWe require USAA immediately reinstate a manual control over their fraud alert issues of all card members accounts before serious retribution and/or risk to USAA employees and public safety that could result in loss of life is reached. 

Under this current situation we have been forced to suspend all state to state travel as we can no longer depend on our credit cards being accepted at all locations we use for purchases to conduct our day to day business. As USAA can not know when, or for how long, or for what reason, alleged fraud activity by their automated system would shut our cards down ; we are forced to suspend operations. We can not jeopardize our staff, volunteers, or clients to the risk of an ambiguous automated system that would result in our staff, volunteers, or clients being held hostage by an out of control automated system. USAA 's unwillingness to correct this matter and provide proof of cause and effect is a form of extortion and could be considered an act of terrorism against us - a religious based operation. 

XXXX XXXX, Va.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing statement

Complaint: I set up my on-line account with my Bank of America [ XXXX XXXX XXXX ] account to withdraw " the amount due '' from my account each month, meaning ( I thought ) the statement balance. For three months in a row Bank of America only withdrew the minimum payment of {$25.00}, and charged me interest on the unpaid balance. 
Each month I called and asked them to correct it, and they reversed the fees. This month I called to complain and a courteous employee explained that " amount due '' on their website options meant " minimum payment plus fees and interest. '' That is not the ordinary meaning of " amount due '' and no previous employee had bothered to mention that to me. I believe this is a strategy to prevent people from paying off their balances when due and incurring expenses interest charges.

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 03-02-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: JPMorgan Chase Bank, foreclosed on me with out bring me in the foreclosure case, even after I asked them to bring me in. I 'm the owner of record of the property & the person on the note.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've cotacted this company on XX/XX/XXXX and spoke with XXXX to inform her that I had credit inquires on my report that were no authorized by me. she told me to contact the companies I 've sent certified letters its been over 60 days and I have n't heard any information. she told me to contact them again. and I explained to her that these were unauthorized she was no help at all. I 've spoke with about 7 other assoicated between XX/XX/XXXX-XX/XX/XXXX and got no help. 
XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/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 09/26/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I submitted a claim with USAA Debit Card Fraud Recovery Department and they investigated the claim and refunded me my monies fro months that beginning in XX/XX/XXXX through XX/XX/XXXX. I had informed them the fraud was from XX/XX/XXXX through XX/XX/XXXX. I was not informed until later that they could not report charges past 180 day or see my bank stamens past 180 day and was asked to submit my bank statements with other fraud charges. On XX/XX/XXXX after requesting for a letter confirming that I had fraud during XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX for one of my creditor. Did I receive a letter of apology of there miscommunication? And a request fir a affidavit to confirm charges on fraud that are the same fraud charges that their investigator already confirmed as fraud. Then on XX/XX/XXXX my mother received a harassing call from XXXX a CEO staff Officer from Ex XXXX, ( XXXX ) XXXX. He not only be little my mother by tell her to be quite, he started counting 123 to make her stop talking like she was a child. He told my mother that I was over my statue of limitation and that they would no longer handle my case and would not talk to her. I gave USAA autheration to speak to my mother little do they know my mother is my POA in all my banking, financial and insurance needs ( Legally. ) Then XXXX said he would call and speak to me my mother told him I was n't available. He hung up in my mothers face and went on to call me. Left me a message and had the nerve to call my mother back. The letter that XXXX XXXX clearly sates that they are working on the file and will get back with me at this time, I am requesting a letter from USAA stating that fraudulent activity occurred on my account from XX/XX/XXXX through XX/XX/XXXX by the merchants ( XXXX ). The Debit Card Fraud Recovery Department has investigated these merchants up to XX/XX/XXXX. The actual fraud began in XX/XX/XXXX and continued until noticed in XX/XX/XXXX. During that time I was under a hardship dealing with six family and friends XXXX XXXX and trying to coupe and manage being off at college and barely being able to come home and visit. Neither my mother nor I was able to actually manage and view my account during that time period. The hardest XXXX was my cousin who XXXX of XXXX XX/XX/XXXX and my Uncle who XXXX on XXXX XXXX XXXX. At this time Im respectfully asking for a formal letter to help me with my creditors. Today XX/XX/XXXX my mother received a call and was told I miss managed my account and thats why I 'm not going to have my insurance reinstated or my banking relooked at yet I mother put my insurance money in my account even month to make good on my account and the fraud happen every month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Payoff process

Complaint: I got a credit card from Target to avail of the retailer 's discount for 5 % off. I then went online to set up my account and set up automatic payments using their website, specifically because I was going to be travelling out of the country with limited access to emails. Unfortunately, I did not take any screenshots of this ( which I should have ). I was out on a long international vacation and when I came back and checked my mail, I saw that the account was overdue and I had to pay late fees and interest charges. I work in technology, so I 'm pretty confident that that I set up the automatic payment according to instructions on the website. I strongly suspect that Target is doing something devious so that they can charge late/interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: USAA Bank located at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX place fales and negative information on all XXXX credit bureaus. I proved to them that I was a victim of identify theft with copies of the IRS, FBI and Police report that some unauthorized person used my credit card without my permission. I paid what was mine portion and received a letter from their collection agency XXXX which states. This Account has been settled in full ''. They still refuse to comply with FCRA rules and ignore all communication. this is destroying my pesonal credit and I need your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a letter from my mortgage holder, Nationstar Mortgage, dated XXXX XXXX, 2015. The letter stated that Nationstar had received my application for a deed-in-lieu of foreclosure and requested supporting documentation. The letter also stated that " The evaluation period for a deed-in-lieu of foreclosure has now begun '', but did not state when the evaluation period began or when the period expired. I contacted Nationstar via the mynationstar.com messaging system and by phone message to inquire the beginning and end dates of the evaluation period, as well as to ask for clarification of some of the requested documentation. Nationstar has not responded to any of my inquiries about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I have XXXX credit protection through XXXX because my information was compromised through their security breach. There are now collection notices from Sunrise on my report. I am not behind in any of my debts. I never received a bill or any other notice that I owed money to XXXX XXXX XXXX XXXX prior to this notice on my credit report. I was not aware of this alleged debt in any way prior to this notice. I have disputed this debt in writing with Sunrise Credit Service. I do not believe these businesses should  be able to phish for a response from me by placing a notice on my credit report without first sending me an actual bill that I don't actually pay. I do not do business with XXXX XXXX XXXX XXXX in any way and do not have a debt with them.

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 01/24/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom mortgage has failed to pay my property taxes for XX/XX/2016 to the XXXX county treasurer. I know have a delinquent tax notice out against me when I have done nothing wrong as it was suppose to be paid from escrow. Freedom mortgage, has been extremely difficult to work in getting this situation resolved. They are stating they will not have resolution until the end of XX/XX/XXXX which is unacceptable since I have been working on this for almost a month when I found out. I need resolution of this as I pay my bills and have done nothing wrong. Freedom mortgage needs to take care of their mistake.

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 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: While by fact we WERE ABLE to get financial loans, a mortgage etc. now that we have PAID a substantial amount OFF such as mortgage and high balance loans My  Credit score  has dropped significantly by  XXXX  or more points and I am being rejected for credit. Amazingly they, you and lenders do nothing but reject. Also even while having a security freeze on my account people still inquire  WITHOUT  permission. My husband has written of this to you but has informed me you do nothing! Never the less this in by opinion a scheme to further encumber us since this created our current financial woes. We were better off before paying those lenders off. So  HOW can my   XXXX   b e lower? OF course you 'll give me the unfortunately leaving off the total debt is less.

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 03/24/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to Nationstar mortgage from XXXX XXXX XXXX. When an escrow analysis was completed, I was notified I needed to have an additional months worth of cushion in my escrow account which increased my monthly mortgage payment. I tried contacting Nationstar to request the extra month be waved since my loan was a transfer and I had no choice in the matter, so I felt I should be able to keep the same cushion in my escrow account as my previous mortgage company. I attempted to contact customer service about 5 times and was disconnected before being able to speak to a person directly. I wrote an email to Nationstar through their email portal and received no response after about 2 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Bank account or service (Savings account) with FIFTH THIRD FINANCIAL CORPORATION (FL).
Issue: Deposits and withdrawals

Complaint: I signed up for an account with 5/3 after they advertised a promotion to giveyou {$53.00} for free if you signed up when they first opened. They gave me anadditional {$53.00} for shredding my other bank 's ATM card in front of them. I wasrequired to deposit {$50.00} in the account to open it. In 2012, they closed mychecking account without my knowledge and without notification. Apparently, they have been deducting money from my savings account since 2012 forinactivity on the account. I received a notice a few weeks ago that it was the '' final notice '' even though it was the first I received, that my account wasactually in a NEGATIVE status and they were going to send me to collections. 
They have taken all of my {$150.00} and actually taken it to a negative balancewithout giving me any notifications along the way. I never received anythingstating that money was being deducted from my account. I called the branchmanager and was told I can only dispute transactions 60 days old or less, andthat the only thing she could do for me was refund me {$11.00} and close theaccount. I offered a resolution to the company to refund me the {$50.00} I openedthe account with and they could keep the more than XXXX of the money they havetaken from me. I was told by XXXX XXXX, office of the president, thatthey would do nothing more than the {$11.00} they refunded. She did n't care thatI told her I would pursue this, and found that it would be worth the {$39.00} Ioffered as a resolution to fight it. 
They maintain that because there was not a checking account, the drafts werevalid. However, THEY CLOSED THE CHECKING ACCOUNT, not me, and they did sowithout notice and without sending me any notifications ( even annual orquarterly ). 
As I am now having to take this beyond the better business bureau, I would likemy entire {$150.00} back that they deducted from my account. 

Fifth Third will respond to this with statements showing the deductions taking place. The question to ask, however, is when were these sent to me? They were not sent to me, neither annually, nor even quarterly. They maintain that it was my job to log in online and notice them taking money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fay Servicing, LLC (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Fay Servicing  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .   XXXX   had  1st  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in   XXXX    2014 t he property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien/DT was wiped out at  XXXX  foreclosure.  XXXX  sold the loan to  Faye Financial  as a mortgage. We do not owe them anything. A simple title search by Faye would reveal this. I have made ov er seven differ ent phone calls to  Faye Servicing  over the la st  two  m onths and they refuse to discuss it with me and the  manager has refused to return my call. Faye has no lien. They NEED to do their own title search & tha t alone will show them that the loan they purchased was wiped out by  XXXX  foreclosure  X/XX/  2014 d ue to it being in a  Jr. lien  position. I do not own the property nor is this loan a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: My husband and I are in the final process of refinancing our home. We started this process on the phone with an agent of Bank of America who quoted not only verbally but also in writing a program with a good rate on a 30-year fixed and a credit on closing costs that would require us only to pay {$700.00} out of pocket for the appraisal. It was a " special promotion '' and thus made their offer more competitive than others we were considering at the time not on the rate but on the closing costs. After essentially months of lost paperwork, unanswered emails, clerical errors, etc., days before we are suppose to " close '' they 've come up with some story of now, because of the " need '' to rerun a credit report, the closing costs have gone up and there will be no credit towards those costs. Out of pocket will now be {$700.00} for the appraisal, which we 've already paid, plus an additional {$5000.00}. That is totally unacceptable given we both still have the same income as we did when we started this process two months ago because we still have the same jobs, we have a XXXX of XXXX %, and are still just as qualified now as we were then. I believe this is just some bait and switch tactic which has forced us into a situation where we will now lose {$700.00} and have to potentially pay a higher rate if we go with another institution given rates have recently risen compared to what they were when we started this process. The delay in closing has been completely driven by the ineptitude and unprofessional behavior of the Bank of America employees involved which is documented by the string of emails we have with them over this time period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/13/2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (PA).
Issue: Taking out the loan or lease

Complaint: I 've been notified that Fifth Third Bank charged XXXX and XXXX a higher interest rate on car loans made from XX/XX/XXXX through XX/XX/XXXX based on their race. I purchased my vehicle XX/XX/XXXX and feel that I may have been taken advantage of by their lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have paid off my loan with a credit card, which I had to pay a balance transfer fee, because I had to continue to apply for what was offered to my for assistance which was a forbearance and I would have liked for there to be easier or less expensive ways to pay my loan when times were hard.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Other debt) with Rent Recovery Solutions (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been disputing the collection attempts with the company listed on my credit report, stating that I owe for an apartment complex that I have never lived at. The name of the company is Rent Recovery Solutions. Never done business with them, and never signed any sort of paperwork for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Problems caused by my funds being low

Complaint: I 've had an on going problem with my checking account recently. First off, I had trouble with my insurance lady to try and cancel my auto payments. She said she did, she did not. Payment still went through, overdrew my account. I filed a dispute and instead of the insurance company putting the money back in my account, they sent me a check. In the mean time, the bank just kept racking up the overdraft fees after saying they all would be taken care of after the dispute. Now, weeks later I am still without a bank. Negative over XXXX in overdraft fees which I ca n't pay and when I call to explain, they ask if there 's anything I can do about that? I filed a dispute. They said they never got forms which I never got In the mail and closed my case. I went into the back and talked to a guy and he faxed a new case over, they mailed it back to me to fill out my account number, and send it back so I did that. Then I get a letter saying they never got the form again and closed my case again. Please help. I do really like Huntington bank. Now that the locations have more than doubled it 's been more than convenient. And if they close my account, it will be more than inconvenience to find a new bank. Thank you for your time.

Company response to consumer: Closed with monetary relief