milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose prepaid card) with TRANSCARD, LLC (IL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Earned a {$100.00} prepaid debit card from XXXX in XX/XX/XXXX after sitting through lengthy timeshare program. Used several times, then card stopped working on the machines/stores I tried using it on. Friend suggested I clean with alcohol, which I did. Used on XX/XX/XXXX, declined as " expired. '' Check account on XX/XX/XXXX and saw remaining funds of XXXX were removed on XX/XX/XXXX. Called costumer service # ( XXXX ) XXXX, and explained problem ; requested funds returned and extension and was informed that the funds are gone and there is nothing I can do. Spoke to XXXX, manager, who refused to give me last name or employee ID number. 
Having read on prepaid cards before, my understanding is that funds do not expire legally for 5 years. Additionally, it should be mentioned the printing on the card makes the expiry date impossible to read at a glance. I was surprised to find that after 6 months, my funds were removed, and considering my issues with the card, was dismayed that no consideration was given to extending funds earned. My husband and I both wasted hours of our precious family vacation time with the promise of {$100.00}. I feel the circumstances merit some sort of recognition and assistance to ensure people can use the funds they funds they are promised.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: Chase cards out of XXXX Ohio continues to charge me interest monthly, even though I pay my bill in full monthly by the XXXX of each month.. I have called time and time again 3 months now in a row their dispute department, and still they can not seem to properly correct the problem. They tell me I did not pay my bill on time which is incorrect. 
They seem to be very incompetent. I am requesting that Chase makes sure to solve the issue immediately or I will be dropping there services and banking. Also they refuse to agree with me on over charges from an XXXX XXXX 2015 statement bill from XXXX XXXX XXXX in XXXX XXXX of a {$50.00} credit. Reason .... XXXX XXXX billed us for two nights and we stayed one night. We arrived late the next day due to traveling complications. And my wife and i stayed one night. I submitted all paper work to Chase dispute with a negative response. I paid a deposit of {$34.00} and then got billed another {$100.00}. The room we stayed in is {$65.00} a night not {$100.00} a night. This included the resort fee etc I am a long time customer of Chase with good credit who pays my bill in full monthly. I expect better service with support. I 'd like an executive to call me at home XXXX eastern time any morning and solve these XXXX issues for me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with Radius Global Solutions LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I made a payment to central credit service in the amount of {$1200.00}. This was a settlement payment for all medical bills that was in collection with this company. However my credit report states that I still owe money for another account. When I called Central Credit Services they stayed that this amount will take care of all debts owed. However now they state that it did not take care of all accounts. I never noticed that the receipt did not have all accounts listed. I was deceived into thinking everything was at XXXX balance. The agreement I made over the phone is to cover all debts with Central Credit partners under XXXX XXXX XX/XX/XXXX. Central Credit Services staqted i only paid the {$1300.00} portion of the debt. insted of the settlement beeing calculated for all debts owed to the company which is around {$3000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/XXXX, I contacted XXXX to apply for a refinance mortgage because it was advertised in TV that XXXX encouraged all veterans to apply for the XXXX loan. My husband and I are both XXXX veterans. We served during the XXXX era, and wanted to apply for the loan. I talked to XXXX XXXX, licensed XXXX specialist, and he ask me information about our condo, mortgage payments, insurance, and incomes. I provided him all the required information for the loan application. Apparently, he informed me that he needed to do a credit report in order to check whether we qualified for the XXXX loan. Unfortunately, he informed me that I did n't qualified and also denied the loan due to 150 days late with Wells Fargo mortgage loan. XX/XX/XXXX, Wells Fargo was paid off in the amount of {$290000.00}. Currently, my credit report still shows that I was 150 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with Wells Fargo. I tried more than three times to contact, XXXX XXXX XXXX, Executive Resolution Specialist, and also left a complete message to contact me, but she never returned my call to discuss about the inquiry. She lied about unable to connect with me. XXXX XXXX never mentioned that I had to pay Well Fargo attorney fees which was included in the {$290000.00} that was paid in full XX/XX/XXXX. According to the email dated XX/XX/XXXX, my former broker had email me about his conversation with XXXX XXXX, that an amount owed was {$16000.00} plus attorney 's fees. Wells Fargo attorney was XXXX XXXX XXXX. We went through financial hardship due to the furlough, and it was taken to consideration. Unfortunately, Wells Fargo placed us in a much more burden when they threaten foreclosure on the XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX had to answer to the foreclosure Notice. According to XXXX XXXX, Executive Resolution Specialist, the foreclosure action reported on XX/XX/XXXX, will remain on the credit report as part of the loan history. Apparently, this will deny all my loan borrowing and disqualify us. Subsequently, my credit rating still shows a delinquent of 150 days, and is affecting my loan borrowing. In the past, Wells Fargo had harassed me at work, home, and even in emergency room. In the past, I had ask XXXX XXXX XXXX why Wells Fargo, would call my home phone number frequently dawn to all hours of the night. This is not a matter of confusion and frustration. Wells Fargo is too harsh to customers like me and in the future do not threaten, harass, or cause conflicts. 
Finally, XX/XX/XXXX, Wells Fargo had charged for bounced checks in the amount totaling {$660.00} due to systematic computer error.

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 04/25/2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: The amount of the check was for {$1700.00} the amount in the account was {$1300.00} the account did not have enough money to cash this check. I put down for 2 mortgage payment instead of 1 my fault. This amount is over NOT by {$100.00} or {$200.00} or {$300.00} but over {$400.00}. The check should of went in as a NSF {$36.00} charge to the account and not cause my account to roll over and over with NSF fees. I am requesting that the NSF fee be removed from this account. This will not happen again I 'm putting my mortgage on auto pay.

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
Consumer complaint received 01-05-2017 about Credit reporting () with Credit Karma, Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I got an alert for a new employer listed and I am currently self employed. I need more information and Credit Karma has n't provided anything other than XXXX XXXX, 2017 XXXX XXXX as the new employer which is not me or my employer

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the past several months, I have seen my Credit Score drop almost 40 points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, 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 10/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX did not change the amount owed. I was charged for XXXX services and only had XXXX. The phone was always needing service order requests that eventually never got resolved. I will pay the bill once corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Bridgecrest Acceptance Corporation (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX   XXXX   Bridgecrest received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES T  XXXX   XXXX   XXXX   XXXX   The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment BridgeCrest has yet to honor the terms of applying the payment. I am requesting that ALL (  7  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX experian reinserted a account on my credit report that was perviously deleted and blocked due to my credit being used fraudulent. They blocked the account for several months just to reinsert the same account with out sending any varification to me. They also are in violation of the fcra section 609 and section 611 that says they have to give a five day notice before a previous account blocked from a police report can be reinserted. The XXXX XXXX account that was placed back on my credit is a prime example of the credit bureau lack of ability to follow the law. And under the the court of law I will go under oath to be sure that Experian stop causing me humiliation and mental anguish.

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 02/17/2016 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (IA).
Issue: Managing the loan or lease

Complaint: Kays jewlers misplacsed XXXX dollars in payments the payments were made in store. Never applied to the account. They are now contacting friends and family members not even on the account trying to collect payment for funds they misplaced

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On XX/XX/XXXX I deposited a check in the amount of {$1900.00} into my DDA account at the Chase branch located on XXXX XXXX XXXX, XXXX, NY. In parallel I withdrew {$980.00} from my DDA. 

I informed the teller that I needed to send the {$980.00} back to someone who was purchasing something from me because they overpaid me with a certified check in the amount of {$1900.00} ( see above ). I was clear with the teller that I was suspicious and wanted to MAKE SURE THE {$1900.00} CHECK CLEARED BEFORE I SENT THEM THE {$980.00} BACK. 

The teller looked at the check and said 'it looked fine ' but as long as your DDA account shows the {$1900.00} deposited into my account by XX/XX/XXXX, " the money was mine ''. 

On XX/XX/XXXX, the {$1900.00} showed in my account so I sent the individual the {$980.00}.

On XX/XX/XXXX I received a bounced check notice from Chase for the {$1900.00}.

On XX/XX/XXXX I went to my local Chase branch in XXXX XXXX, NY, at XXXX XXXX XXXX XXXX. The individual printed out the {$1900.00} check and IMMEDIATELY said it should have been flagged! The most obvious indication was that the FBO on the check was the same person who wrote the check ( I do n't even know what that means ). The Chase associate called the Chase Fraud department and they looked at the check and immediately had the same response. In fact when I explained the story the Fraud associates said that is a very typical fraud pulled on unsuspected individuals. UNFORTUNATELY, they said they could do NOTHING to help me!! I found that infuriating since the ONLY reason I wired the {$980.00} back to the individual was that A CHASE EMPLOYEE at the XXXX XXXX branch TOLD ME WHAT TO DO!!! 

The Chase Fraud associate said that the teller has NO authority as a fraud analyst. I 'm ok with that but THEY NEED TO TELL ME. 

I waited so long because I am XXXX XXXX XXXX and work with banks in the operations space and find myself embarrassed that this happened to me. I am particularly annoyed that Chase just brushed it off. 

I am hoping that you can help me resolve this and get the {$980.00} back from Chase because I only wired that money based on a Chase banking employee 's direction. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar took over my loan in XXXX, but I did n't receive notification until a demand letter on XXXX XXXX. I may have tossed previous letters thinking they were junk mail refinance offers. I tried to log onto my previous servicer 's website to make payments several times XXXX through XXXX. 
I called Nationstar as soon as receiving the letter and stated I could make payments but wanted verification that they had the note and did indeed own my debt. They said they would send it and never did. I forgot to call them back until XXXX XXXX, asking about the note. They said they could e-mail it, leaving me wondering why they had n't done that before. They also said they had initiated foreclosure that day. I offered to pay the outstanding payments in full, but they said they would have to determine legal fees. Despite calling on the very day they initiated foreclosure, they called back a few days later and demanded {$900.00} of legal fees. I contacted their law firm and was mailed a letter saying no attorney had reviewed my account. 
I spent many hours on the phone attempting to get them to reduce the fees. They tried to force me to apply for a modification that would involve a new XXXX-year mortgage that would end up costing me a lot more in the long run. I considered hiring a lawyer and taking them to court, but it seemed like too much risk. I finally gave up and was forced to pay the exorbitant fees. 
In sum, my complaints : They foreclosed on my loan less than a month after I was notified that they owned the loan, and without providing me documentation of the note. My previous payments were not considered late until the XXXX of the month, yet they foreclosed before the XXXX. They claimed I owed {$900.00} in legal fees despite the fact that I attempted to pay in full within hours of them " initiating foreclosure '' - and I had previously expressed willingness and ability to pay in full on XXXX XXXX. I was only 4 months behind in the XXXX place because I could n't figure out why my previous lender was n't accepting payments XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: I was served with a complaint from XXXX XXXX who purchased a past debt from XXXX XXXX XXXX in mid to late XX/XX/2017. I called the company and asked if they were willing to accept a lower amount in full and settle out of court. The company representative refused to offer any discount and said it was against policy even though it clearly states in the complaint that they were willing to accept a discounted amount. I was then told that if I paid them I would not have to respond to the complaint in court and that it would be dismissed completely 10 days after the payment was confirmed. I saw no other option and asked for a letter for proof of our agreement. I did not receive this letter until 10 days later and it did not state everything that was agreed to, instead it was a generic billing invoice. I immediately called and and again attempted to receive a lower settlement amount due to my financial stress. I was denied. I then called again and confirmed that if I paid the debt on the website that I would 1. not owe any further money and 2. that my lawsuit would be dismissed. I asked for a timeline for when it would be removed from my credit and was refused an answer. I saw no other option as my time to respond was quickly approaching and I paid the full amount owed and waited. I then saw that the company rearranged what was owed so that a new balance of XXXX dollars remained. I called and I asked to be transferred to the attorney and was told that they were not allowed to per company policy they had to transfer me to another representative who might then transfer me to the attorney. After being transferred again I requested to speak to the attorney and after several refusals I was transferred. I did not get to speak to an attorney however and was transferred to the voicemail. I left my contact information and did not receive a call back. I was repeatedly reassured that my my case would be dismissed and that my account was completely paid off and would with time reflect the paid amount and be closed. I called again 10 days later when when the payment had posted and was told that the account was paid off and closed. I then checked saw that neither promise was kept. I am now hung up on and repeatedly transferred with no help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (IL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: on XX/XX/17 received a letter from the company stating I owe them {$16000.00} I feel I do n't because the car was too much from the beginning they did n't fix the car like they problem I told them to come and get the car I was not able to afford the car I was not working I try to go back to that dealer ship they was no later there.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I applied for a IBR. While waiting they offered me a deferment. I mailed all required paperwork back in XX/XX/XXXX, as of XX/XX/XXXX, I have not received any information on new loan payment amount. My loan repayment restarts in XX/XX/XXXX but at the old amount not the new loan payment amount. When I called requesting the IBR, Navient informed me my new loan amount would be a little over 300.00 per month. Until I hear from them about new loan amount I have to pay the old amount of XXXX. The reason for requesting an IBR because I can not afford a XXXX dollar a month loan payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I am submitting this complaint due to me reaching out to Selene Finance on numerous occasions concerning all the different letters that I receive from this company concerning my mortgage. I have gotten at least XXXX different letters stating XXXX different amounts then on top of that I got certified with a letter of intent after we had signed modification papers on XXXX/XXXX/2017 along with the first payment in which you guys asked for it in the document. I have attached the documents that I have an issue with. The sad thing is I have spoke with at least XXXX different people who continue to tell me our information has n't been updated and to keep calling but you continue to send me papers dated for XXXX/XXXX/2017 and XXXX/XXXX/2017 but I called on the XXXX/XXXX/2017, XXXX/XXXX/2017 and XXXX/XXXX/2017 so you definitely should have been able to deal with my issues or questions concerning our mortgage issues.

Company response to consumer: Closed with explanation