milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ARVEST BANK GROUP, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I recently received " Balance Eraser Loan Program '' ID card in the mail. from Arvest Bank. I DO NOT want any prescreened offers sent to me. When I tried to go to the XXXX, they requested my social security number to proceed. Due to recent date breaches, I will not give out my number but do not wish anyone to assume I want unsolicited offers. The information sheet that was sent to me involved XXXX, XXXX, XXXX, and XXXX Consumer assistance. I do not want any offers of credit from anyone. If I want credit information, I will request it. 
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 05-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Between the dates of  XXXX  a steady repayment method has been made of nearly  XXXX  a month to Federal/Private student loans.     Having become  XXXX , I have recently fallen into financial hardship and have requested a delay of payment but   Navient is now taking action to send me to collections.
During struggling periods, this is not the first time repayment methods have become a problem with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (NJ).
Issue: Application, originator, mortgage broker

Complaint: I sought out a new ARM loan to replace and re-finance XXXX existing home equity lines of credit ( HELOCs ) that I have at XXXX Home Loans ( part of Bank of America ). After extensive document submission and responses to other subsequent requests resulting in pre-approval, the Mortgage Officer attempted to mis-sell me a new, never discussed fixed rate loan or a fully amortized ARM meaning principal and interest rather than the Interest only ARM I applied for. Furthermore, the interest rate for the previously never discussed loan facility was to be materially higher ( despite having an interest rate lock in place at a much lower rate ) than my current HELOCs, which are to begin their principal repayment periods in 2016. This clear attempt at mis-selling is obviously intended to have me wind up with a product that is n't right for me and more expensive than my current credit facility and whose sole purpose was to generate fees and additional income to the lender with no improvement in my circumstances. What I applied for and was pre-approved for was : Loan Purpose : Refinance No Cashout Loan Amount : {>= $1,000,000} Occupancy type : Primary The contact personnel at XXXX are : XXXX Mortgage Services | Loan Processor XXXX XXXX XXXX | Direct : XXXX and XXXX XXXX Mortgage Services | Centralized Sales | Consultant NMLS # XXXX XXXX ext. XXXX | Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I have had XXXX XXXX stored in my account at Coinbase for several years. On XX/XX/2017, I submitted a " sell '' order on Coinbase for the full amount, asking Coinbase to transfer proceeds to my XXXX XXXX checking account that is linked. Coinbase confirmed the sale would generate {$170.00}, and that they would deposit that amount net their {$2.00} fee ( total {$170.00} ) into my checking account by XX/XX/2017. However, the money never arrived. I submitted an inquiry immediately and never heard back. I submitted another inquiry and heard back two weeks ago that they are investigating and would get back to me, but they have yet to do so. There are many complaints online that they have had issues with missing money transfers and no response to inquiries, and apparently only a CFPB complaint gets them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Medical debt) with Universal Collection Systems, INC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This is a debt that I was spoke with the doctor office due to my son father taking my son to the doctor. He called for the insurance card number ( he reside in XXXX, TN - I reside in XXXX, MO since 2012 ) - I gave to him. When I ran my credit report I notice this charge on there. 1- I did not sign any papers, my child XXXX XXXX was in the care of his father. I am not obligated or was given notice about the debt. I have disputed the account which was showing on my credit reports for {$100.00} and being closed now the company Universial Collection has updated and placed status back to Collection and changed the amount. {$80.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Problems when you are unable to pay

Complaint: Purchased vehicle with 21.9 % interest and the sales person was not clear about the terms of the contract. The XXXX mile four year warranty was really only a XXXX mile four year warranty. The sales persons were deceptive and not looking out for the customer and more focused on commission of the sale. After nearly four years I still owe more than the original sticker price of the car. The car needs major repair but the warranty is expired. They refuse to offer refinance option to make the car more reasonably affordable. It may take four more years to pay off a car that has started to fall apart. I am unable to purchase a dependable car because of this terrible contract with them. I feel like I was trapped into a bad contract. This contract is forcing me into filing bankruptcy as an only alternative.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Settlement process and costs

Complaint: BANK OF WELLSFARGO HAS REOPENED MORGAGE LOANS AND EQUITY OF FORCLOSED OR FAKE FORCLOSURE OF PROPERTY AND MORGAGES LOANS THAT WERE DISCHARGED FORM XXXX. THEY HAVE SEPERATED MY MARITAL RIGHTS AND MY HUSBANDS RIGHTS AND ACTED AS THE CO BORROWER FOR THESE LOANS. THEY HAVE USED MY NAME XXXX MY HUSBAND IN SINGULAR FORM. THESE ARE WHAT IT APPEARS TO BE NOTES MATURING. I AQUIRED THIS FROM THE XXXX BRANCH IN XXXX FROM THEM ON XXXX/XXXX/2015 AND THESE ARE ALL SHOWING ACTIVE AND OPEN. WELLSFARGO HAS NO RIGHT TO MY NAME TO OPEN ANY LOANS, EQUITY ECT. NOR I HAVE RIGHTS OF POWER OF ATTORNEY TO DO SO. WELLSFARGO TRIED TO CHARGE ME WITH TRESSPASSING AND MY HUSBAND XXXX DAYS AGO BUT BECAUSE OUR COUNTY SEEMS TO BE IN QUESTIO OF WHO OWNS MY HOME WE WERE TOLD WE ARE WAITING ON XXXX DISTRICT AQTTORNEY TO LOOK AT ALL THIS. ALL OF OUR BELONGINGS ARE IN OUR HOME AND WE HAVE NOTHING BUT THE AIRMATRESS IN MY PARENTS HOME. VIOLATION CONSUMER FINANCE PROTECTION ACT MEETS THE GUIDLINES HERE. AS PER THE NUMEREOUS LIES IN WRITING TO ME AND CONSUMER PROTECT THIS PROVES THE OBVIOUS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southern Management Systems Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX submitted a case to collection agency, XXXX The debt that has been reported is not true because when I moved out of the apartment, I had to submit a notice to terminate the lease as well. The manager of the apartments at the time made it very clear my situation was squared away. I had to wait on the new apartments to give us a date to move in but she had to have proof to hersupervisor that I was not just squandering in the apartment. So, she made me sign a new lease just incase. Well, now, I am still stuck with that charge. It is on my credit. I needed info from XXXX as to why. The account manager, XXXX XXXX called me back, and was very reluctant to help. He refused my request for a manager or his superior, asking " Why does it matter? ". I need this rectified as soon as possible. I need true answers as to why I am still owing debt I was not supposed to be liable for, where are rhethe papers filed With the apartment complex before it went to collections?

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my XX/XX/XXXX mortgage payment of {$1000.00} to Roundpoint Mortgage on XX/XX/XXXX. On XX/XX/XXXX they withdrew {$1000.00} from my account. Then on XX/XX/XXXX they withdrew another {$1000.00} from my account without authorization. This erroneous action threw my account into serious overdraft status of a negative {$430.00} balance which includes multiple {$35.00} insufficient fund fees for each item. I contacted my b bank, but they were unable to help since both payments had already been processed. I contacted Roundpoint Mortgage customer service and was told they could do nothing and I had to PROVE that Roundpoint had made an mistake. They told me to email a copy of Roundpoint 's own email confirmation of my payment back to Roundpoint. I was not given a legitimate email address. The Customer Service XXXX told me to email their own own email confirmation of my payment to XXXX I managed to to track down a legitimate email address and sent Roundpoint a letter explaining their error, along with their own confirmation form and a copy of my bank statement showing the double withdrawals from my account which also included details of the negative amounts adding up in my bank account. Roundpoint sent bank an email acknowledging my complaint and informing me it could take up to 30 days to resolve this financial mess they created. They also told me not to contact them again which would put my complaint to the bottom of the pile and take even longer to resolve. I am in a panic because of Roundpoint. I am a senior citizen on a limited budget, and because Roundpoint emptied out my bank account, I am left with no money for food, bills, etc., and my bank account is seriously in the negative. I find their unhelpful and unresponsive attitude totally incomprehensible.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: The issue I present before you for review and subsequently action is this : 1. I am attempting to apply for a mortgage for a home and when my credit report was requested by XXXX XXXX XXXX XXXX , the report was incomplete from only 1 Credit Reporting Agency and that is TRANS UNION. The Trans Union report has NO information regarding my auto loan on which I have been paying, out of my personal (  singular ) checking account for over 6 months. The other 2 Credit Reporting Agencies have the information just as it is shared with all agencies. All 3 agencies receive the information associated with my social security number ending in XXXX and the information regarding my co-owner on the note, XXXX XXXX XXXX ( my spouse ) and his social security number ending in XXXX, however Trans Union seems to have difficulty making the connection between all the variables. Variables : A. My name on my drivers license, when I applied for the loan was XXXX XXXX XXXX but on my social security card was XXXX XXXX XXXX. Variable B. I am the co-owner of this loan with my husband XXXX XXXX. Varable C. The finance company, XXXX XXXX, reports both XXXX XXXX and XXXX XXXX as making the payments on this loan on time and without lapse. 
2. I have attempted to correct this oversight and have spoken to various representatives of TRANS UNION,  including those in a supervisory role, but have not been able to correct the error they are making in their reporting. I have Faxed ( XXXX17 ) documentation explaining the issue and still nothing gets accomplished. I have been told on every single call " the issue is the name they are reporting and the social security number do n't match and that is the relevant issue and I ( representative ) will correct the record and the error will correct itself. '' Thais statement is incorrect!!!!! 
3. I believe the customer service associated with this company is so sub-par and the representatives have NO desire to actually correct the mistakes. I am quite confident, that had these reports, associated with my social security number, been derogatory in nature, there would be NO hesitation as to how they would adversely impact my report. 
I would like to enlist your assistance to address and correct this issue as I am sure I am not the only consumer who has had to deal with such atrocities! Thank you - XXXX XXXX. ( formally-XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX XXXX E-Mail : XXXXXXXXXXXX

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 12/22/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (TX).
Issue: Fraud or scam

Complaint: I received a check for the value of {$3400.00}. I believe this to have been a fraudulent check, but did not know at the time I deposited the check. I deposited the check into my Chase checking account on XXXX/XXXX/XXXX. I was informed by the scammer on XXXX/XXXX/XXXX that I needed to withdraw {$2500.00} of the money that I deposited, and submit that money into another Chase business account. I can provide the name on the account and the account number, upon request. I believe this account is directly associated with the scam. I submit the {$2500.00} into the account provided on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a notification from Chase stating that my account was overdrawn by {$2500.00}, because the check for {$3400.00} had bounced. I called Chase bank to try to figure out what had happened, and spoke to several different customer service representatives. The last representative I spoke to instructed me to go to the Chase bank branch I made the {$2500.00} deposit, and instruct the bank teller that I worked with to contact a number that they provided me. Upon arriving at the Chase branch that I made the deposit at, they informed me that they would not, under any circumstances, call that number, and that there was nothing that I could do in this situation aside from paying the negative balance on my account. I have submit a police report, # XXXX, and can provide a copy of the report upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Mortgage (Home equity loan or line of credit) with Summit AmeriFirst Holdings, Inc. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy back in 2012 on a 2nd mortgage on my property and it was included in my BK so I was told by my lawyer I did not need to make payments but the loan would sit on my title until I refinanced or sold the property. I am currently going through a refinance now that I am past my 5th year from BK and my lender is getting a payoff from Amerifirst Financial who held my loan which started at XXXX and before filing our BK we were paid down around XXXX and now Amerifirst is saying my payoff to satisfy my lien release on the property to close my loan is over XXXX payoff. I question how my payoff can be XXXX more than when it was discharged as part of my BK? I believe this to be mortgage fraud as this lender Amerifirst is trying to add funds to my payoff well over what I owe them. I am not responsible for any additional fees or interest accrued once my BK was filed and satisfied. My account number with Amerifirst was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My wife opened a new account with XXXX XXXX at the beginning of XXXX. I noticed on my XXXX XXXX   report that there is a hard inquiry from XXXX XXXX which I did not authorize and is listed further as you see as utilities and fuel. I spoke with their customer solutions department and they too have confirmed that there has been no ties between I and XXXX XXXX including any new or old accounts, they did not have my social security on file nor do they now. They gave me this site to help rectify the problem so it can be removed from my report. Thank you. If you need additional info regarding this please contact me at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Medical debt) with PMAB,LLC (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: this debt was supposed to be paid by insurance. Insurance did not pay and the company said they would ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I received three overdraft fees, {$34.00} each, amounting to {$100.00}. This was caused by three online payments of {$11.00}, {$11.00}, and {$23.00} going through. This caused the account to overdraft {$27.00}. <P/>I know I am supposed to get money in before XXXX to make sure my account is funded, but I was not able to do that until about XXXX when I deposited {$28.00} to cover. <P/>This morning I woke up to the three overdraft charges. I could understand one, or even two, but the way the bank submitted the payments, they charged as much as they possibly could, almost 4 times the amount of the overdraft. This is not right. <P/>I contacted the bank but although they say, '' your satisfaction continues to be our topmost priority '' they would not waive even one of the fees. <P/>I had this experience before and requested that they review their policy. I do n't believe they should be able to charge more than the amount of the overdraft. What they are doing is so wrong and really hurts people who do n't have a lot of money to spare. <P/>I contacted the CFPB previously about this and you forwarded my concern. I am hoping contacting you again will make them reconsider their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I am having discover credit card for years now. 
During last 3 months - I am facing very strange issue. Any time when I am using my work laptop to access Discover card account and use the Discover deals - Discover thinks that I am accessing my account outside of USA which is incorrect. I am very much in XXXX XXXX. No other website is thinking that i am outside of USA. 
Even " XXXX XXXX XXXX '' states that my IP Address : XXXX Due to the above and certain other issues - I am not sure whether I will be getting 5 % cash back on XXXX deal that i placed the order using my Discover card. I have been following up with Discover but not getting any serious response from them. 

Another issue - Secure message center does n't allow sending the attachments otherwise Discover customer service can see all the screen shots Infact this wrong location of Customer is impacting other Discover customers also that I am aware of. My wife and my friend also. But discover is simply in the denial mode. I had recently relocated from XXXX XXXX to XXXX XXXX  during XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dispute was submitted to XXXX was investigated and was removed from my credit report but is still being reported on my report by XXXX. Have contacted them with information showing XXXX removal but they are still showing it. This debt was satisfied. I was also included as XXXX of the class action suit individuals against them that was recently settled against them for phone calls to my cell phone in the past. Have n't received any settlement due to it but was advised I should after their appeal time ends. Old debt that was taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On    XX/XX/XXXX  , I  got an email from USAA advertising their 0 % for a year promo for balance transfer, and if I acted by  XXXX   XXXX , I 'd get the 3 % waived. I found out today that I was charged the 3 % when I asked why, they directed me to the fine print that it has to be POSTED by the  XXXX , not initiated. I told them that was deceptive because I had no control of when they posted anything, they could deliberately hold posting beyond the  XXXX  to get more fees. I also asked them why 'd they send the offer on  XXXX   XXXX , knowing I could n't take advantage of it since it takes many days to process.. After an hour, I was basically told tough   XXXX   XXXX   XXXX  . They refused to cancel the balance transfer, refused to refund the 3 %. They told me I was free to pay the credit card off, but they 'd still get the 3 % I got transferred to the escalations department. I want to point out that I just wanted to take advantage of the offer. I never pay credit card interest, and never carry a balance so when they stole 3 % from me, they cost me money, not save it. Given that, as the consumer, this was n't clear advertising, but default they should be forced to make it right. When you initiate a transaction with a bank online, you do n't anticipate them to take a week to process it. Given the facts above, I ask that you submit to USAA and request them to make this situation right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief