milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: After obtaining free annual reports for XXXX and XXXX, I was inexplicably locked out of the request process for Experian before the identity verification process started. I called the number listed for Experian on the lockout page, but was unable to get past their automated system. I found another customer service number for Experian, called it, got through to a human, who collected all my personal information, but me on hold for " two minutes. '' After I had remained on hold for about two minutes, a recording advised me that my call would be disconnected, which it then was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have tried to take XXXX euro 's from my Coinbase account via XXXX to my bank account in the XXXX and have not received my money. Promised date of arrival was XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Payoff of a XXXX Streamline refinance on XXXX. 
I want CFPB to investigate which loan was actually paid and by whom. If this balance was added to my home loan or included in the XXXX modification XXXX just transferred to XXXX Wells Fargo foreclosed on my duplex. 
I believe my loan was paid in full. 
I believe there was enough escrow leftover to pay it. 
I believe they were servicing a XXXX mortgage that had already been refinanced in XXXX I believe they gave the escrow I had already paid to XXXX. 
I believe I paid them 81 months of interest on my own money on loan I did n't even owe I also believe the money I gave to XXXX was then paid to even ANOTHER sercier I KNOW I overpaid. 
I further believe that the loan modification on my house included both the beginning balance of the real loan on my duplex. 
includes the ending balance of the FAKE Wells Fargo loan. 
I believe they also had enough to pay off a 15 year loan from XXXX plus 3 years to pay escrow back I paid back the XXXX payment ( included in the balance ) to XXXX bank. 
I believe this to be true because they returned three of my payments and accepted a 3rd payment just before the insurance was due. 
I had gotten the XXXX premium reduced with a refund forwarded to Wells Fargo. Another refund went to them from XXXX as of the foreclosure. 
I do not have a truth in lending for this loan. 
It has the same handwritten number XXXX -as a first XXXX loan on my house that has been released twice. 
I BELIEVE WELLS FARGO HAD NO RIGHT TO FORECLOSE STOLE MY PROPERTY KEPT THOUSANDS OF DOLLARS OF ESCROW AND HAS TAKEN NOT ONLY my PROPERTY HAVE TAKEN THOUSANDS MORE OF my INCOME I WAS ENTITLED. 

This complaint is related to a previous one submitted XXXX and I am providing additional documentation of the returned payments.

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 10-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: American Express changed password standards where did not receive alerts from XXXX. 

Also, had hard cutoff time XXXX mst. They would force 2 factor authentication when it was close to cutoff time. 

Charged {$38.00} per late fee. 

I received an email from mint stating : The interest rate on your account Amex EveryDay Card changed by 15.25 % from 14.74 % to 29.99 % American Express said that, besides the late fees, the interest rate had been doubled. 
After 6 months of on-time payments, they will review APR.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: Suntrust bank has decided to terminate my account. That is fine with me as I wanted to close the account anyways. However, the bank has indicated to me that they are holding the funds for some amount of time. I want to close the account, they want my account closed, I do n't see why they need to hold my funds. Please send me a check with the remaining funds in the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (TX).
Issue: Managing the loan or lease

Complaint: I financed a vehicle through Ally Financial in XX/XX/XXXX. I missed XXXX payment and was unable to pay the late fees which accumulated and turned into payments. Although I continued making the payments. The car was repossessed in XX/XX/XXXX when the late fees totaled XXXX car payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit card () with JPMORGAN CHASE & CO. (ME).
Issue: Delinquent account

Complaint: In XX/XX/XXXX or XX/XX/XXXX I was carrying a {$47.00} credit on my Chase Visa. I think it was the balance of a credit from a return I made earlier in the year. Anyway, Chase says they sent me a check for the {$47.00} around that time. I never asked for it, I never received it, it was never deposited. Since it was n't deposited Chase put a stop on the check on XX/XX/XXXX and continued to show my {$47.00} on its books. Sometime in XX/XX/XXXX I made a {$6.00} purchase with my Chase Visa. A Chase rep tells me due to billing issues ( I assume with the vendor, not Chase ) the charge ended up on my bill due XXXX. At this point, Chase owed me {$47.00} and I owed Chase {$6.00} so Chase owed me {$40.00}. But then I get a letter from Chase, dated XX/XX/XXXX, saying it closed my account. The letter says my account was delinquent and as a " courtesy '' they cancelled the balance. I call customer service and ask them to look over my account since it should have a credit. It turns out the problem is when Chase put the stop on the check, they did n't credit the {$47.00} back to my account. They offer to send me a new check for {$47.00} and reopen the account. I asked that they credit the {$47.00} to my account, use it to pay the {$6.00} and reinstate my account. They offer to reopen the account and send me another check again. I work my way up the chain to supervisor XXXX. According to XXXX when Chase cancelled the check, the finds went into " Limbo ''. Since Chase had my funds at all times, I asked him to correct the account to show the credit on XX/XX/XXXX, timely payment of the {$6.00}, reinstate the account showing it should n't have been closed and remove any negative credit information Chase reported. He repeated the offer to send me a new check for {$47.00} and reopen the account, but said Chase would not credit the {$47.00} to the account, would n't use it to timely pay the {$6.00} charge and would n't remove/revoke this from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had a Mortgage with Greentree mortgage and then it became Ditec LLC They have raised my escrow for no good reason since my taxes have gone down. It also do n't make sense because two months before they raised my payments they sent me money because there was too much money in my escrow. This lender has a bad track record of being honest.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (I do not know) with Berlin-Wheeler, Inc. (Kansas) (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Berlin Wheeler is repeatedly calling me on my cell phone and my work phone. I feel they are being threatening and they are violating the FDCPA as I have told them repeatedly that they can not call me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XX/XX/XXXX XX/XX/XXXX Never gave permission to run my credit. They did it twice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: A company called Amcol Systems appears multiple times on both my XXXX and XXXX credit reports. I have no idea who or what this company is or who this company represents as this company has not sent me any type of communication as to who they are. They just all of sudden appeared on my credit reports causing some negative damage.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Delinquent account

Complaint: Despite my credit card provider 's numerous efforts to remove an erroneous late payment report, XXXX has yet to address the issue in two years. I 'm in possession of XXXX evidential correspondences requesting the correction to my account. XXXX XXXX promptly corrected their records on the initial request, yet XXXX subsequent resubmissions to XXXX has yet yielded any changes. Hopefully, this is n't common practice. I have definitely lost all confidence in XXXX measured against XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Vehicle loan or lease (Lease) with AMERICAN HONDA FINANCE CORP (DC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: This is not a duplicate filing. XXXX continues to misapply XXXX  47-2201. 

On XX/XX/XXXX I initiated a lease with America Honda Financial for a XXXX XXXX XXXX. As part of the acquisition process I paid the XXXX sales tax for the portion of the purchase price I would be capitalizing. 

In XX/XX/XXXX I relocated to XXXX XXXX. In conjunction with registering the car in XXXX  I had to request a change in the title to reflect the new address. When Honda processed the title change, they began to collect a 10 % use fee in XXXX. The fee is appropriately collected for leases of vehicles delivered to XXXX residents for the first time, but is waived for individuals who have paid sales tax in another jurisdiction. To repeat, the only change to the title in XXXX was to reflect our new address, in XXXX. XX/XX/XXXX has taken this 10 % each month from my payments, which has renedered my account past due. 

In correspondence from XXXX XXXX XXXX dated XX/XX/XXXX, regarding CBPB Complaint # XXXX American Honda Finance replied : XXXX has completed a thorough review of XXXX Code 47-2201 and has found that XXXX is correctly assessing the tax on each monthly payments, not the value of the vehicle or a lump sum payment of the vehicle. XXXX XXXX Office of Tax and Revenue does not state in their statutes or codes that reciprocity applies if a resident has paid upfront taxes to another state such as XXXX XXXX. 

However, Page 4 of XXXX Code 47-2201 clearly states : Purchases subject to the use tax For purchases subject to sales tax on which a sales tax has not been paid to the District or another jurisdiction in the US or to a US territory, see the applicable 5.75 % rates. 

Rules for reporting use tax You must report the cost of all personal property and taxable services used or consumed by you in XXXX on which sales tax has not been paid to any state. This includes the costs of items purchased under a XXXX Certificate of Resale ( OTR-368 ) and withdrawn from stock for personal use or for use in the conduct of your business. 
Exempt and/or nontaxable use tax The use tax exemption is the same as the sales tax exemption.

Also exempt are purchases on which a sales tax has been paid to th

e District, or another tax jurisdiction in the US or a US territory. Contrary to XXXX  co
ntention, XXXX  Code 47-2201 clearly states that for taxes are waived when taxes have been paid in another jurisdiction. A lease initially delivered to a leasee residing in the district is subject to such tax. However, in this case I relocated to the district after having paid the applicable sales tax in XXXX XXXX.

Please resolve this issue ASAP. All taxes collected and corresponding late fees should be refunded immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-03-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom mortgage issued me an escrow surplus check on XXXX XXXX 2016. Immediately after receiving this check my insurance agent called and informed me that my homeowners insurance had not been paid. I called Freedom Mortgage with my insurance agent on the line and requested a check be sent overnight. The Freedom Mortgage agent said that it would be overnighted. Several days later my insurance agent called me and informed me that a check still had not been received and that my insurance policy was close to termination. I called Freedom Mortgage back and an associate in the insurance department told me that indeed the request for payment had been denied from Freedom. So she said she would put in another request and this one should go through since the last one was denied. I called Freedom Mortgage the very next day and once again another associate in the insurance department told me that the request had been denied. At this point I asked to speak with a supervisor and I was told that a supervisor was not available. So I hung up and immediately called their customer service department. I told them about my problems and that I had requested to speak with a supervisor buy was told they were unavailable. The customer service associate put me on hold and called over to the insurance department and requested to speak with a supervisor. After thirty minuets of holding, I was connected with yet another insurance department associate who told me a supervisor was unavailable at the moment but that she would try to resolve my issue. After around thirty more minutes talking with that associated I once again asked to be connected to a supervisor and was put on another five minute hold. I was finally connected with a supervisor who said he would request that a payment be sent out to my insurance company. How am I supposed to trust that this payment request wo n't be denied like all the rest of them? So my complaint is : I 've talked to around five to six different people over the last two weeks about my problem. I have had three different requests for payment of my homeowner 's insurance that have all been denied and all anyone can tell me is sorry for the inconvenience. This company has put my home, me and my family at risk and this is unacceptable. An inconvenience would have been the first time I called at this point we are at a severe problem. My homeowner 's insurance is at the point of being terminated because of the negligence of Freedom Mortgage Company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I started out with a XXXX loan XX/XX/1996, I now have a XXXX loan.My interest is high 9 % .I have been in forbearance in the past. I am in a income driven plan now because i asked. It seemed that Navient always pushed me into forbearance programs

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: i have been trying to understand the {$70.00} withdrawals and the {$10.00} service charges posted on my statement period XX/XX/XXXX - XX/XX/XXXX i talked to XXXX in their XXXX maine office ( she so nasty ) she told me to go to the bank branch. 
i talked to XXXX at XXXX XXXX cor XXXX XXXX branch ( XXXX ) she can not help me understand the issue. i requested XXXX to send me a letter explaining the issue but she refused to send me a letter. 
Please help me get TD BANK to explain the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Creditor is not accurately reporting a mortgage debt to the credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had moved from XXXX to XXXX and several bills were sent to old address, I was late paying them by the time I got them. Those late bills have been recorded in my credit score. I have since made payment on time. I have called the companies to request the removal of those late payment, I have dispute several times with Transunion, XXXX and XXXX, unfortunately they are not removing despite the fact that I have made all my payment on time for 2 years. I 'm trying to buy my house and the banks are not liking those delinquencies. I need it removed to be able to buy my current home. late payments happened in 2015.

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 05/25/2016 about Debt collection (Payday loan) with Pinebrook Holdings, LLC (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I had taken out a small loan of {$200.00}. and was Hospitalized and had to go in for XXXX, net prison or jail for 8 months with no means of contacting the lender. As soon as I got out the threatening emails started.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: On XX/XX/2016, I attempted to obtain a free copy of my consumer report by contacting Experian, the credit reporting agency listed, within 60 days of receiving a denial notice. I attempted to get my report via the website listed on my denial notice ( www.experian.com/reportaccess ). After filling out the required information and answering questions, the website indicated that it was unable to honor my request without explanation. I attempted to enter my information a second time, was denied again and was redirected to this site ( https : //www.experian.com/consumer.html ), which advertised in bold XXXX font, " WHAT 'S YOUR FICO ( R ) SCORE? 

FIND OUT NOW WHEN YOU CHECK YOUR CREDIT REPORT FOR {$1.00} Checking your own credit will NOT lower your score Review your credit report for unfamiliar information Toll-free support available 7 days a week Fast and easy " A screen capture of this site is attached. 

I paid {$1.00} to receive my credit report. On XX/XX/XXXX I was billed XXXX I immediately contacted Experian via the phone number on their site upon being billed. I had no notice of the bill, but saw the charge on my account. XXXX representatives and XXXX supervisors all indicated that they did not have the ability to issue refunds and none of the first XXXX indicated I could request a refund via email. The second supervisor gave me the email address XXXX. I emailed this address, explaining what had happened, and was told that I signed up for a trial membership that converted to a recurring monthly membership and since I had failed to cancel within the 7 day trial period, the bill could not be refunded. I was also told that no pro rated refund could be issued. 

I did not intend to sign up for a recurring service. I did not use the service and gained no benefit from it. I promptly asked for cancellation and a refund or a pro-rated refund for the three days during which I had the service that it took me to become aware of the billing 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 monetary relief