milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: I emailed and mailed the following to XXXX XXXX, CEO of Amex on XXXX/XXXX/XXXX : Re : American Express Acct No. Ending in XXXX & Amex Corp Card Ending in XXXX Dear XXXX, As an America Express member since XXXX and a strong advocate of your company 's services, I am reaching out to you for assistance. I became unemployed in XXXX of XXXX. I immediately notified your company on account number ending in XXXX that I wanted to be put on a payment plan. I was told I did n't qualify, but that I could continue making payments until the balance was paid off. I made payments every two weeks either on line or by phone. Each time I made a payment by phone and spoke with your representatives, I told them about my unemployment status, and not being put on a payment plan - I received the same answer which was to continue making payments until there was a XXXX balance. 

Although my account was suspended, I continued making payments which included late fees, annual membership rewards fee, and the annual membership fee. In XXXX, I could no longer make a payment on line because the status of my account was canceled. I immediately called and was told that because my account was delinquent for so long, your process was to cancel the account. I explained several times that this information had never been provided to me, and the representative told me that I can apply for reinstatement if I agreed to pay {$25.00}. I grudgingly agreed to the fee and a week later I received a letter saying I was n't eligible for reinstatement. I again called and spoke to a manager who explained I can apply for reinstatement once the balance is paid in full. This was done on XXXX XXXX, XXXX. 

What I am requesting is for the above reference account to be reinstated, along with my reward points that I 've paid for throughout the almost 30 years that I 've been a member. I 've been employed since XXXX and I am capable of making timely payments. 

Your records will also indicate there was a delinquency on Amex Corp card ending in XXXX. This delinquency was a result of my prior employer not approving the expenses in a timely manner. I 've enclosed their letter for your review which shows all charges, and late and cancellation fees were paid in full by XXXX. 

I was contacted my XXXX XXXX from Amex on XXXX/XXXX/XXXX who told me my account would not be reinstated and to read the terms and conditions. I then told him to give me a full refund of the annual reward program fees ( approx. {$45.00} for 28 years ) and was told I was not eligible for a refund. I asked several times to speak to his manager or the CEO and was told repeatedly he had the final say and my situation had been reviewed with the CEO and he approved the decision. He then hung up on me - the call was recorded and this can be verified. Ironically enough I am being solicited for the blue, optima and corporate Amex cards on a weekly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (IL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: The total amount is XXXX that was my taxes that netspend loaded onto a card that I reported stolen they allowed the card to be used and all money was drained. I reported to them last year that my identity was stolen, and they refused to do nothing about it. I have proven that this was not me by way of filing an FTC report a police report and by other means. I was told I would have a credit now they suspended all services to the card, and will not give the money they owe 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 explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Today I was contacted by appointment with XXXX XXXX in an attempt to transfer XXXX investment accounts as a result of my recent departure with my employer. I called XXXX XXXX   ( also XXXX ) to move my investment account to a different selected portfolio within their infrastructure. I met with a financial advisor who spent in totality more than 2 hours walking me through my options over the course of the last two days. I elected an IRA account with no withdrawals and was taken through the account launch process which lasted approximately 30+ minutes. 

On the telephone, I specifically asked the representative if my credit report was going to incur a hit and I was advised " no, that this was not required ''. However, upon submitting my personal and financial information, I received an automated denial notice with indication as to why. I asked to speak with a manager and was finally advised that I was listed on a " do not open warning list '' with no further explanation. I then called BOA  who transferred me to the " closing department '' ( XXXX ) and was advised that BOA closed a checking account in my name for " reasons unknown '' in 2013. They then advised that they reserved the right to do so despite the fact that my credit was in good standing, I had no outstanding returned checks and quite frankly never have, and despite me having absolutely no accounts in collections or otherwise and maintain a quality credit ranking. 

I further inquired as to why BOA would allow me to keep an investment account with my former employer and in-turn, refuse approval of an IRA account ( XXXX ) when in fact, they solicited and even specified that I review my available options to reallocate these funds to another BOA  investment product now that my employer is no longer making contributions. I asked why they would send me solicitations regarding my options if their system of record was in-fact predetermined to deny my application without a true and clear review of my credit report and financial qualifications. Thus, AFTER placing an unnecessary inquiry on my credit report and taking me through hours of a deceitful exchange. 

I have never been denied a checking account or credit for that matter and maintain an excellent rapport with XXXX XXXX for day-to-day banking. As such, XXXX should be utilized by BOA as  a true example of professional banking standards and regulatory compliance. This was surely a waste of BOA employees time, of mine and is a clear example of a break in process.

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 12/15/2016 about Bank account or service (Other bank product/service) with ZIONS BANCORPORATION (NV).
Issue: Account opening, closing, or management

Complaint: I have a home equity loan with Nevada State Bank dba Zions Bancorp. I live in a flood zone. Every year Zions Bancorp needs proof of flood insurance coverage. This year there was some difficulty getting a declaration page from my insurance with the exactly correct name on it because Zions Bancorp changed their name in some small way so as to make the previous way the name was shown incorrect. After many, many phone calls and follow up conversations with both my insurance company and Zions Bancorp,, the representative told me everything was correct and she had received the exactly perfect declaration page she needed. This was all done in an effort to not be charged their " forced placed '' flood insurance coverage ( {$770.00} ). After I was assured Zions Bancorp had received the perfect declaration page, I was charged the {$770.00} and it was backdated to XXXX/XXXX/16. After calling the Zions Bancorp representative who assured me I would not be charged, I was told the charge would be removed IN THREE WEEKS. It 's been four weeks now and the charge is still on my account on which I am being charged interest. Nobody at Zions Bancorp can remove this charge. I 've filed a complaint with their customer service, talked to a supervisor, talked with original flood insurance specialist who assured me everything was in place. It 's been a month now and the charge is still on my 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 non-monetary relief
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX  XXXX Inquiry from XX/XX/2018 Through XXXX XXXX I learned that the above hard inquiry was made in an attempt to get credit in my name. I did not initiate this or part of this request.

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 05/30/2016 about Debt collection (Non-federal student loan) with TekCollect Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i am a college student every year i apply for my fafsa. when i join a college on XX/XX/2015 i had did my fafsa. because of medical problem i could n't complete my fall semester. but i had drop all my classes. now college is making me to pay it. college never contact me by email, phone or paper letter. they just send me a bill at the end of the semester. i am not able to make this payment because i am a XXXX XXXX XXXX. and they also put on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX checking at WellsFargo bank in XXXX to use periodically. I explained to the rep who opened the account my intentions. I used the account as discussed and last use was XXXX XXXX. On Friday XXXX XXXX, XXXX I logged into my account online only to see a notification my XXXX checking was closed. No prior notification was given. I spoke to a rep the next morning who had no care or empathy for the matter. After several minutes of complaining she finally agrees to send my complaint over to an internal department. I just received that call back from an individual who says he does not have access to my account but the disclosure was given at account opening and they are not required to give me any further notice. He was not going to take any further steps to research the issue and they are unable to reopen the same account. I am a 15 year customer who refinanced my car and establish other business at WF that I now regret. These reps are disrespectful and the only solution is to open a new account. So they force close accounts in a very quick time frame only to then make you open a new one. Is this the new tactic to make it seem they are opening lots of new accounts? It appears WF should be investigated further. I will take my business else where.

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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was the victim of identity theft in XXXX 2017. I have called XXXX XXXX XXXX, XXXX and Victoria Secrets to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (WI).
Issue: Account opening, closing, or management

Complaint: Wells Fargo, charged me a monthly service fee of {$10.00} XXXX separate times for not using my debit card ten times or more. When I inquired about this, I was told a few of my transactions did n't count because they were n't transaction from using my debit card and they could n't waive the fee. In the past I 've paid a small fortune in NSF fee relying on inaccurate balances due to the bank not posting to my account immediately. I 'm on a fixed monthly income and ca n't afford to have this bank taking money from me. I try to be careful to not go over my balance and now I have to worry about spending enough money from my debit card to avoid a monthly service fee. People like myself ca n't afford to keep this bank in business. They have no regards for people on a low income, if they have to charge fees why must they be so expensive and so many? It makes me feel as if I 've been robbed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Other debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have submitted a dispute in  XXXX     2016 about  the judgement on my credit report for {$1100.00}. I submitted this request to Equifax. I have recently disputed this on my credit report once again to no avail. The judgement was against my husband and my name was on the lease as well. The debt was discharged in bankruptcy. Therefore we no longer owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmeriCollect (NY).
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: I started contacting the company asking for validation of this debt letter dated XX/XX/2017 the collection company wrote back say that the debts are being validated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent a letter back to them asking for an update on my validated debts because it had been past 30 days and i have n't received an update. On XX/XX/XXXX they sent a letter deeming my request for validation as irrelevant and frivolous. They had already started the investigation gave me no information to prove this debt was valid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/2018 I called Santander Consumer USA to discussed have my payment were only being applied to interested only. When I spoke to the customer service rep she was unable to explain why all on the payment were being applied to interest regardless of the amount of payment. I check the back of my statement and it does not specify have payment are applied. My schedule payment amount is XXXX. I typically pay XXXX instead of XXXX. I would like details as to how and why my payments are only being applied to interested. I understand that this is a high interest loan, however I do not understand Santander accounting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I are going through a financial hardship we were on the Hardest Hit Funds Program with Neighborhood Housing Services of  XXXX   ( NHS ) . We were approved on  XXXX   XXXX   XXXX  and made our fist payment to  XXXX  that same day. We were instructed by o ur counselor fr om  NHS t o begin sending our mortgage contribution payments to  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  begging on  XXXX   XXXX ,  XXXX . I received a notice letter on  XXXX   XXXX ,  XXXX  from   XXXX   XXXX   my servicer at the time, that my loan had been transferred t o PennyMac  effective  XXXX   XXXX   XXXX . On  XXXX / XXXX / XXXX  I received a notice of default from  PennyMac in the am ount of {$5300.00} I immediately called them to question, the representative at that time said the State was late in sending in my contribution payments but the matter would be resolved at the end of our contract with Hardest Hit Funds. Our  two year term has  expired on  XXXX   XXXX ,  XXXX  and  PennyMac is st ill requesting payments for  XXXX ,  XXXX  and  XXXX   XXXX . My  counselor  and I have sent in proof of payments made from my account to  XXXX  and from the State to  PennyMac and it clearly shows that I am not in default of any missing payments. PennyMac has responded to me that they are accurate in stating that I owe those months and if there is any dispute it should be with the State Funding Program.  I have showed them clear evidence of payments and the underwriter in care of my account says there is nothing they can do for me at this point and I have make my account current in order to avoid foreclose. This is a matter of power over the defenseless people like ourselves that the banks take advantage of. My husband and I feel hopeless and it is very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, 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: There are 2 collections reporting on XXXX with Commonwealth one in the amount of XXXX the other XXXX and I have been disputing this for some time now. Every time I try to get validation of the debt they show a new open date. Now it 's showing the two things just opened. I have not been to the hospital in over 4 or 5 years and this continuously reports a new open date. 

I have never received anything from a doctor 's office indicating I owed anything

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (UT).
Issue: Closing on a mortgage

Complaint: My mortgage provider, Freedom Mortgage, refuses to remove PMI on my primary residence. I purchased the property XX/XX/XXXX and put 5 % down. The appraised value of the property at that time was {$200000.00}. Mortgage is a conventional 15 year loan. I reached 80 % LTV of the original appraised value of the property XX/XX/XXXX. I submitted a written request for removal of PMI. I was told that my written request was denied because it had not been 2 years since the loan origination date and that it would be dropped after my XX/XX/XXXX mortgage payment. After my 2 year origination date had past, the company still refused to remove the PMI. My XX/XX/XXXX payment brought the LTV to 77 % of the original value. Freedom mortgage now says they wo n't remove the PMI till the LTV is below 75 %. They also state my PMI written removal request will not be accepted. I have submitted a second written requested PMI removal letter and still the mortgage provider will not drop the PMI. I am current on all payments, and have no other liens on the property.

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 06/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: Coinbase has my money and wo n't allow me to trade it or withdraw it. They have no customer support and have not responded to my emails for a week. I have {$7900.00} in XXXX on their XXXX trading platform with another {$9000.00} borrowed on margin. I am unable to touch this amount because all trading is disabled.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I sent Certified letters to Experian and  XXXX  on  XXXX   XXXX ,  XXXX  ( I have the receipts ) requesting that they correct  XXXX   XXXX  Loans that were included in my Chapter  XXXX  BK  XXXX  on  XXXX / XXXX / XXXX . I also sent a fax to  XXXX  on  XXXX / XXXX / XXXX  requesting the correction. They are showing these  XXXX  accounts as delinquent and my  credit score h as dropped over  XXXX  points. These were private loans ( not student loans ) and co-signer is now responsible. I also sent the bureaus the letters from  XXXX  dated  XXXX / XXXX / XXXX  confirming that I am no longer responsible for these  XXXX  accounts.

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 01/22/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I believe I have XXXX loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Army and Air Force Exchange Service (NV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: We moved and forwarded our mail, AND WE CHANGED THE ADDRESS ONLINE. ALSO we paid off our card in the Fall. We made one new charge during this time and THEY STILL MAILED IT TO THE WRONG ADDRESS AND NEVER BOTHERED TO SEND AN EMAIL, CALL OR WRITE TO LET US KNOW WE HAD A LATE FEE, INSTEAD CONTINUED TO CHARGE US. We signed up for alerts and didn't get them. ALSO WE SIGNED UP FOR AUTO PAYMENTS AND THAT DROPPED OFF THE MAP, NO FAULT OF OUR OWN, YET THEY ARE REFUSING TO REVERSE THE NEGATIVE ( 1 MONTH LATE ON OUR CREDIT REPORT!!!! )

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