milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2017 about Debt collection (Credit card debt) with SUNTRUST BANKS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My father had a suntrust card he had been ill and disputed the XXXX XXXX dollar balance. my father XXXX  suddenly leaving no will and no estate just debt, suntrust hired a company called XXXX XXXX XXXX to collect the debt. The day after my fathers XXXX XXXX called up pretending to be XXXX the woman, XXXX  /XXXX scared me threatened to have me thrown out of my home I started to cry. I called back and said I would pay the debt but then I called the attorney general and they said I did not owe the debt, I had to send a portion of my fathers medical record to show how he could not owe the debt

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 07/13/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Managing the loan or lease

Complaint: Requested a pay off of vehicle loan held by Santander ' Consumer USA at the time a payment was due. When I called the following day the dollar amount had increased significantly. After speaking to a CS rep I was given a XXXX dollar amount. I asked to speak to a supervisor to explain their practice and was told someone would call me. This put the payment XXXX days late. 
After going back and forth trying to get anything close to my billing statement for an accurate number, I finally got a number that was again higher and different than the others however I settled for this and told the rep I wanted to pay and close the account while we were on the line. I was told the amount to settle the account in full was above the amount of transaction the we 're allowed to process over the phone and I would need to send my payment via mail. I did so. Even paying a few dollars more so I had peace of mind I was finished with this organization. The payment finally posted but only after a second 30+ days late fee. Luckily I included enough to cover this ( I expected this to happen since paying off an account here was not an acceptable practice ). Loan was a 72 month loan and it was settled after 53 months. My complaint is that I now have two XXXX 2 XXXX thirty XXXX 30 XXXX days late marks on my credit report. This company refuses to discuss with me due to the fact I no longer have an active account.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Mortgage (FHA mortgage) with LoanCare, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I received an email from LoanCare saying that I needed to log in to their website to update mortgage information. At the time I believed it to be a phishing attempt, as I my mortgage is currently held by XXXX XXXX, and I had never heard of LoanCare. After researching further I found they were a legitimate company and updated my insurance information online. They kicked it back saying it was incorrect, so I updated online again and then followed up with a call. I received a condescending letter today, telling me they had cancelled an insurance policy they purchased on my behalf and to make sure I kept them posted with my insurance information on an annual basis. I had never heard from my mortgage company in the first place, their subcontracted company ( who already had my insurance policy info as they were able to tell me there was an error ) requested that I update information on possibly the shadiest looking website I 've ever seen, and then purchased an insurance policy without notifying me either through email, letter, or phone call. The whole system reeks of a scam, from the intentionally sketchy webpage, to the lack of straightforward communication, to the fact that they already had my policy information ( as it did n't change ). It seems as though they are looking to take advantage of people not being proactive enough to do some research on who LoanCare actually is. Without too much speculation, I would imagine there would be some sort of financial motivation attached to them finding a policy " on my behalf ''. I would greatly appreciate if someone would look into their predatory practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (WA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My Wells Fargo account was inactive as I had switched over to XXXX and was using it primarily as a savings account. They were not happy with that and sent me letters saying due to inactivity my account was frozen which was fine because I wasn't actively using the money. Around XX/XX/2017 I finally got around to going to the bank to close out my account and consolidate my finances. It was at that time I was told there was no money in my account. Wells Fargo had sent a check for the amount in my account to my associated address which as a young person I move a lot and was 3 addresses ago. I inform the accountant about the situation and she calls head quarters to cancel the sent check. It was quite a process. Eventually the check is cancelled and she gives me a number to call after 5 weeks so they can process it. The number she gave me is to NJ unclaimed money. Now I have to jump through hoops, supply documentation, get something signed in front of a notary to get my money ( >11k between both savings and checking account ) which Wells Fargo deemed appropriate to send through the mail before without confirmation but now can't be bothered with fixing 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 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On Saturday XX/XX/XXXX, I received a text alert from Citibank asking if I was trying to make a certain charge on my credit card. I responded NO and was directed to call a certain phone number. On the ensuing phone call, the agent informed me Citbank would be closing the account because of this fraud and sending me a new card. <P/>The following week, I was able to login to my account online and see that there were additional fraudulent charges. I contacted Citibank and informed them of this additional fraud. <P/>1 )XX/XX/XXXX XXXX USD XXXX CA {$320.00} Reference # XXXX 2 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX 3 ) XX/XX/XXXX XXXX XXXX XXXX XXXX NY {$350.00} Reference # XXXX I have made repeated phone calls to Citibank over the past 3 months. I was told at first that they were investigating these charges and not to pay these amounts or any related interest charges as they would all be reversed at the end of the investigation. I was more recently told on at least 3 occasions that these charges would be removed from my account and I would see the credit on my next statement and the credit would not appear on my online account until the statement had been run. I have now received my 3rd statement that was supposed to have these charges removed and the charges remain.

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 10-10-2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Advertising and marketing

Complaint: I recently applied for a Chase SLATE card : XXXX, for the purpose of a balance transfer from another card. I was approved and received my card, and with it came a letter saying that while the card was approved and active, my balance transfer was rejected because they do n't do transfers from Chase accounts to another Chase account. This was nowhere in the description on the above link, nor is it in the Offer Details. The only place this information appears is if you click through to pricing and terms : XXXX. This is absurd. A lot of people have Chase cards, so this is a major limitation, and yet it 's hidden in the terms and not mentioned upfront. I also am upset that when applying, I put in the account information that I wanted to transfer a balance from, it did n't alert me that a Chase account would be rejected. If it had, I would n't have applied for the card. Now I have a card I am not going to use, that will hurt my credit to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FIFTH THIRD FINANCIAL CORPORATION (WV).
Issue: Loan servicing, payments, escrow account

Complaint: About XXXX years ago, I modified my mortgage terms under the Home Affordable Modification Program ( HAMP ). XX/XX/XXXX I found out I would be eligible for a {$5000.00} credit towards my principal balance sometime during XX/XX/XXXX because I made all my payments on time. My mortgage holder is Fifth Third Bank, XXXX XXXX XXXX, XXXX OH XXXX. In a letter dated XXXX XXXX, XXXX, they informed me that the {$5000.00} credit would be forthcoming and that I had a choice of either shortening the remaining term of the loan or getting a lower monthly payment, and that the offer expired on XXXX XXXX XXXX. I called them XX/XX/XXXX and told them I would like to elect the lower payment option. Their letter stated that the effective date of the payment change would be XXXX XXXX XXXX. In XX/XX/XXXX they told me that the paperwork had not been completed and I would have to pay the normal higher payment. XX/XX/XXXX they told me the same thing, and I again had to pay the normal higher payment. My latest monthly mortgage statements show that the {$5000.00} credit has been applied to the principal. XX/XX/XXXX I received another letter from them that required my notarized signature to amend the terms of the loan, which I returned to them last week. I called them and they told me I would not be able to receive a partial refund of the excess payments I made XX/XX/XXXX and XX/XX/XXXX, nor would there be any additional reduction in the principal balance for the excess payments. They have not given me a firm figure on my new lower payment, but I believe the total new payment for PITI will be about {$80.00} to {$90.00} per month less than the {$530.00} I have been paying the last several months. My payments are current and I have not had any late payments. I do not know if they will grant me the new lower payment this month ( XXXX XXXX ). I feel they are just dragging their feet on this issue to extract extra interest out of me because they feel they can get away with it.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfollio Recovery has been asked several times to stop calling me and to send me something about a debt I do not know of. When they call and I ask them to this, I get " sorry what are you saying I do not understand what you are saying, I am trying to collect a debt, I do not know what stop calling means. '' I have told them this on three different occasions and they continue to call both my house phone and my cell phone. I have blocked about XXXX numbers from my cell phone. I am not going to agree to pay a debt I know nothing of. If they can not send me something in writing then they need to stop the calling. They will not give their address to send something to stop the calling. I am making a log of every time they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Synchrony Financial closed my PayPal MasterCard Rewards card without 45 days notice. They said that it was closed due to a returned check more than a month ago, but that was due to a typo when entering new bank account info. I have since made payments and was even approved for a credit line increase by the company. Called and spoke with customer service who said there was nothing they could do. This company is destroying my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I am disputing the current Principal Balance due on my Mortgage with PennyMac. They claim it is {$9700.00}. The correct amount is {$8600.00}. I am also disputing the XX/XX/XXXX Principal and Interest breakdown on my current bill. They did not apply a Principle Reduction Payment correctly in XX/XX/XXXX and are using illegal accounting practices to pretend the payment did not exist for 40 days.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Auto) with MAS Financial Services, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a car loan through a company called mas financial, they have repossed my car after I 've already made payment, they call me 20 times a day harassing me and my sister, they have texted my phone talking crazy to me and have texted my sister phone as well, is there anything I can do to solve this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX is attempting to collect an alleged debt i requested verification of alleged debt and then still received phone calls have yet to receive confirmation that the claimed debt is cleared or any other communication other than phone calls which should not have been placed to me after verification request it appears that after CITIBANK was unable to verify the debt with XXXX, XXXX XXXX XXXX, that XXXX, XXXX XXXX XXXX sold the debt to XXXX 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 12-08-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MO).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Hello, I have previously reached out to Coinbase in three separate emails, but have not received a response. Coinbase states account issues must be resolved through email and can not be resolved through phone support. I simply want my money returned. I have included a timeline below : XXXX XXXX, XXXX - Purchase {$650.00} of XXXX, XXXX, and XXXX using Coinbase. The purchases were effected through the used of a linked XXXX XXXX account. At XXXX on XXXX XXXX, I received a notice of closure email from Coinbase stating I had violated the terms of service, and that my account would be closed. I have reviewed the terms of service and am certain that I did not violate them in any way, shape, or form. The same day I noticed that I had {$650.00} of pending ACH on my bank account. This was fine as I thought it would fall off. 

XXXX XXXX, XXXX - Coinbase withdraws {$650.00} from my bank account. I checked my " closed account '' page on Coinbase which indicates that I have no money in my XXXX, XXXX, XXXX, or XXXX wallets. I was very concerned as Coinbase treated my account as having been closed out with zero balances despite withdrawing {$650.00} from my bank account. 

I have yet to receive a response from Coinbase and believe that the company has wrongfully withdrawn money from my bank account. If there is a reason for the current issue, I simply want an explanation. At the end of the day, I only want my {$650.00} returned.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Prepaid card (Government benefit payment card) with Empowerment Ventures, LLC (MO).
Issue: Unauthorized transactions/trans. issues

Complaint: I 'm having a lot of issues with rush card prepaid card because I been with rush card for a year and some months and they been locking my card so I ca n't use it or withdraw off my money I get Social security and I have my direct deposit on my rush card every month and phone company been going on my account and taking money off my card without my permission and I will call rush card costumer service and they will hang up on me and rush card will have me on the phone on hold for hours at a time and they will never pick up the phone when they do they will argue with me saying it 's my fault and I allow the phone companies to take money off my card and it 's not true when I check my account balance i know some money been taking out of my account and rush card will tell me they put the money back on there and they never put the money back on my card and I 'm sick and tried of it something needs to be done about it asap it 's a constant thing with rush card.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I checked my credit report and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX reports that I am delinquent. This matter was part of a bankruptcy filed in XX/XX/XXXX and discharged in XX/XX/XXXX. XXXX reports delinquency ever so often to ruin my credit. It is well past the statutory 7 years for XXXX make reports, XXXX is maliciously making a false report. I called XXXX who took it off my credit report. XXXX suggested I call XXXX. I called the bankruptcy department XX/XX/XXXX and the woman I spoke to wanted my phone number and told me this was the wrong department that I had to speak to the credit reporting department they would call me back. I waited several hours and I called again this time a different woman asked the same questions and said the woman I talked to is on the phone only she can handle your question. I told her what I was told regarding the credit reporting department. She said there is no credit reporting department that the woman I spoke to would call me back. When the woman did not call back I called their customer service number and was told there is no credit reporting department I must talk to bankruptcy department. I said why did that woman tell me there was a credit reporting department and did not help me then?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax And Ally Financial Are Reporting That My XXXX Was Closed In 2015. This Account Was Charged Off Many Years Prior To XX/XX/2015. Equifax And Ally Also Continue To List My Monthly Obligation To Them At {$640.00} Per Month. I Have Paid This Account In A Settlement Agreement With Ally ( In XX/XX/2015 ) After This Account Was Charged Off. Ally Has Helped In Clearing This Up By Their Cooperation With Me In XX/XX/2015. However, Incorrect Information Is On My Credit Report And I Would Really Like It Corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (RI).
Issue: Struggling to pay mortgage

Complaint: We bought a house in RI in  2005 . Our loan was sold. We have refinanced a couple of times, each time with a decrease in appraised value. We are in a reasonably stable   XXXX   RI location. We are facing {$70000.00} in deprecation in our real estate investment. But the current lender gets paid every single month. We ca n't sell, we ca n't expand our house, we ca n't get rid of PMI. We have decent incomes but we are frozen here. I believe in the bubble of the market our original appraisal was inflated and, the lending institution acted gregariously. Can we bring suit against them? Is it advisable to seek legal counsel against the first lender Sovereign bank at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: My XXXX XXXX XXXX Credit Card is not on my Trans Union credit report. In the past it was.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Credit card) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I am unemployed and a single Mother. The debt is over XXXX years old, they have seized my checking account and declined a settlement that I offered. Child support funds were in the account.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors.
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with Angel Oak Mortgage Solutions LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: We bought a house on XXXX 2015. During the process of getting the loan we found many difficulties dealing with the lenders. Just because we could not prove that we paid the rent we previously had, the interest rate that was given to us is 7.25 %, when the rate at the time was around 4 %. Thus, our payment for the mortgage is well above what we expected. We have a letter from the landlord that states that we paid in the rent, they said that was not enough.

Company response to consumer: Closed with explanation