milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FCI Lender Services Inc. (AZ).
Issue: Application, originator, mortgage broker

Complaint: I contacted FCI Lender Services on XXXX XXXX by phone and spoke with a XXXX XXXX at Extension XXXX who informed me that I FCI Lender Services provides the negotiations for Loan Modifications and that I needed to put together the package of information and send it to them via fax or mail. I submitted my loan modification application and completed their questionnaire on XXXX XXXX, 2016 via fax and also by USPS with receipt requested delivered on XXXX XXXX, 2016 and signed by a XXXX XXXX. Today is XXXX XXXX, 2016 and I have not received any response to those my Loan Modification request or acknowledgement of such. Additionally, I called again on XXXX XXXX, 2016 and left another message with the general information Voice Mail for FCI Lender Services Inc which has also gone unanswered. I am filing this complaint as I have not received any response to my application.

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 09/25/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I am current on my mortgage with Nationstar. On XXXX XXXX I received the attached llletterletter from Nationstar claiming I was " more than 30 days late ''. I called the XXXX -- XXXX number on the letter and was told I had missed my XXXX 2015 and XX/XX/2015 mortgage payments. Since them I have sent them cancelled checks, proofthat Nationstar both received these payments and cash the checks. Finally I wasable to reach someone by telephone who told me that in fact my payments were cucurrent through XXXX XXXX 2015 but despite repeated requests they have not sent mea statement of my account showing all payments are current.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (NJ).
Issue: Deposits and withdrawals

Complaint: While overseas during the month of XXXX and XXXX 2016 and had prepared to use my ATM card held at WF and had successfully made withdraws, such as on XXXX/XXXX/16. Some days later, XXXX/XXXX/16 I went to the same location and attempted to withdraw funds and was given an error message. I went to another ATM ( different Bank ) and got the same error. I then call WF customer service and confirm that funds was available and told her of the error message, to which she suggest that I make sure I select SV. I agreed and told her that I have made successful withdraw before and well aware of options.I tried XXXX other ATMs and still received same error message and placed XXXX more calls to WF, where I was treated with disrespect and horrible customer service. At no time did the agents tried to resolve issue, but instead stress that the account is not being linked. Frustrated on the last call the agent was so rude I asked for a supervisor to which he told me NO! 
I was left cashless, hungry and embarrassed because I had not funds to pay for a surprise cake for my mothers birthday. On top of this I was hit with numerous fees ( multiple in XXXX day ) as " excessive ''.

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 (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Making/receiving payments, sending money

Complaint: Overnight on XXXX/XXXX/16, my Santander checking account received multiple " hits '' from an unknown source in XXXX XXXX, XXXX. Most were duplicate, repetitive charges which now total more than {$3000.00} on my account. As of this morning, my account is overdrawn - {$1400.00} and growing. I contacted the bank at XXXX this morning to advise them of the fraudulent charges, and my ATM was cancelled. I was then told that the money would stay OUT of my available funds, leaving me overdrawn and without money, until such a time as the vendor requested payment and they " post '' to my account. I 'm supposed to check my account daily, contact them when these charges " post '', and open a claim to have each charge reversed which can take 7-10 days for a provisional credit. For now, my money remains in some limbo account belonging only to Santander. The vendor does n't have it but has up to 30 days to request payment. I ca n't have it, even though the bank LP advised me that the charges are clearly fraudulent. Even when I see it post, I have to wait to have it reversed and made available. My money - clearly part of international hacking/theft - is being held by Santander and not being made available to me even though this was clearly a theft. I have asked that all charges, pending to XXXX XXXX, be noted as " void '' and all my funds be made available to me, but have been advised that it is not their bank policy. I desperately need intervention to move the needle on this chess match. If the vendor holds these pending charges and does n't post them for days or weeks, I may be without appropriate resolution for weeks. Please provide assistance immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CT).
Issue: Fraud or scam

Complaint: i answered a used car add on XXXX XXXX on XX/XX/XXXX. I phoned Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She told me she was being XXXX and she wanted to protect her investment so she used a broker at XXXX who sent me an invoice with detailed payment instructions. This invoice had transaction id XXXX guarantee free shipping etc.We send XXXX for the car via a moneygram sent to Agent Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. We receive an email from XXXX stating that XXXX XXXX requires another XXXX for shipping insurance. But we will get money back after we receive car in XXXX. So we sent another moneygram for XXXX to XXXX XXXX  rep. He wanted us to fax receipt to insure payment. We did. XXXX sent me another email saying they needed another XXXX for insurance into XXXX. I immediately emailed XXXX and XXXX XXXX and cancelled the transaction. i tried calling XXXX and XXXX XXXX customer service XXXX ( XXXX ) XXXX. No answer.phones disconnected. I called XXXX customer service they told me that do n't sell cars and I have been a victim of fraud

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Credit card () with DISCOVER BANK (IL).
Issue: Balance transfer

Complaint: Dear Sir or Madam, I am having a huge issue with my Discover Credit Card. I have been a member since XXXX with outstanding credit and never missed a payment. I changed credit cards and during the transfer process Discover Card is billing me twice for the XXXX XXXX statement. They included the transfer balance of {$1000.00} on the XXXX XXXX Statement and showed that I paid it on XXXX XXXX, XXXX but also included it as purchases so they are billing me again for the balance of {$1000.00} on the XXXX Statement thus inflating the XXXX Statement to a {$1800.00} balance. 
Since I discovered the issue ( which was right away as soon as I got the statement ), I have spoken to XXXX different people including XXXX supervisors who all claim that they see the issue and they will fix it. Guess what? No one has fixed anything. My balance is still inflated with a statement due in a couple of weeks with the wrong balance. Not to mention that I am shopping for a property and my credit is pulled by lenders who see a wrong inflated balance. 
I am beyond frustrated with Discover Card, a company I thought was professional and had good controls regarding balance transfers. Every time I called, it was the same process. The main contact would transfer me to billing ( after keeping me on the phone for about 30 minutes ), then the billing admin would transfer me to a supervisor who would tell me after 45 minutes that they will need to further investigate. How much further investigation is necessary for a credit card leader such as Discover? I am a XXXX and to me it is very obvious : beginning balance + purchases - payments = the balance that I owe for the XXXX statement. However, Discover thinks the following formula is true : beginning balance + purchases - payments + purchases again = ending balance. 
I really hope you can help me at this point because I really do not know what to do. Maybe actually showing up at their billing center and fixing the problem myself might be best? Please call or mail them a letter. They need to go ahead and not rob me of {$1000.00}. I am a single mom and am on a tight budget. This is what I call - taking advantage of the customer and I really do not appreciate it. 
Please call me with any questions as far as if you need further details about my situation. My name is XXXX XXXX and my phone number is XXXX. Thank you for you help. I hope your organization will actually do their job unlike Discover Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-12-2017 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My Equifax and XXXX reports are saying that I am utilizing over half of the available credit I have, because they are reporting that XXXX of my cards that have a zero balance, still have the balance prior to my paying them. What 's odd is that right after I paid these XXXX cards off, my credit score reflected as such. Now they are reporting the inaccurate amounts again, and it has caused my credit score to plummet down and cause me to be unable to qualify for a private student loan to finish school. I need this fixed, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Vehicle loan or lease (Loan) with VW Credit (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: In about XXXX my XXXX XXXX XXXX XXXX broke down. The dealer examined the car and said it was the engine. I informed XXXX corporate and they refused to repair it because it was XXXX miles out of warranty. I provided XXXX with proof of proper maintenance to the car. I made every attempt to resolve this issue but XXXX refused to work with me. They offered to pay for 50 % of the repair. The problem with that is my balance on the loan was approximately {$19000.00}. To repair the vehicle would be {$13000.00}. One half of that is {$6500.00}, which makes the entire cost {$25000.00} for repair and the balance on the car. According to XXXX XXXX XXXX the car was only worth {$13000.00}. I left the car at the dealership and cancelled the contract. It did n't make financial sense to continue to pay for a car that I was n't driving. All correspondence is attached hereto. I 've since found out that XXXX did n't repair the car and resell it but instead is selling it to a salvage company for scrap metal. XXXX should have repaired it and resold it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Home equity loan or line of credit) with Fidelity National Financial, Inc (FL).
Issue: Settlement process and costs

Complaint: Sold a house in XXXX in 2007. At/after closing, paid off mortgage and home equity loan. Moved to XXXX. About 5 years later, I was contacted by an unknown company to me, Fidelity National Title Insurance Company. They are suing me and my ex-wife, claiming we did n't pay our home equity loan. I 've sent this company, the court and the judge our home equity loan certificate of satisfaction, stating the loan was satisfied on XXXX/XXXX/2007. But, the judge wo n't throw it out, even though I submitted the letter. I do n't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (SC).
Issue: Managing, opening, or closing account

Complaint: I can not get my money off rush card. I get paid XXXX times a month and I have part of my paycheck going to rush card. Thank XXXX it is not my entire check. For over three years I got paid two days earlier and until XXXX 2015 rush card put me in a situation because my money did not show up. I did not have access to an agent or online and today the same issue started over. Giving me extra money or waiving fees is fine, but how can rush card help me when I know for a fact I get paid two days early and called and was informed I had a balance. I went to a gas station and was stuck!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (UT).
Issue: Trouble during payment process

Complaint: I sent my regular payment of  XXXX  in which was not enough due to increase our on escrow. We did not recieve notification of what the new payment would be from the mortgage servicer. Af ter speaking to Ditech the mortgage servicer they would n ot reverse the late fee of  XXXX  and refuse to follow up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: I had a car loan loan with Fifth Third Bank ( XXXX, OH ) which was just court-ordered to pay XXXX dollars to their XXXX and XXXX clients to settle a class-action lawsuit. This bank was charging higher interest rates to these racial groups which I am a part of ( XXXX ). I had a loan during the timeframe these acts were perpetrated ( Starting XX/XX/XXXX ). I ended up having to refinance my loan with a different Bank ( XXXX ) XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: In 2009, I was informed by Citimortgage/Citibank via writing that they were foreclosing on my home. At the time I was several months behind, as the interest rate was 9.9 % as a result of ARM increase, and I could not make the huge payment. We tried to renegotiate and get back in good graces, but they would not budge from 9.9 %. We vacated the home, and they let the property sit for over 2 years, making us liable for taxes, maintenance, etc. and never followed through on the foreclosure with the Sheriff. The property was in limbo and I do n't think they even have paperwork as the loan was sold XXXX times in one year. They bore no responsibility financially for these expenses, forcing me into bankruptcy. I feel like they stole my home, my reputation ( resulting in job loss ), and my credit rating ... leaving me in shatters. There are still claims against us to this day ... and we can not seem to fight them off. Since then, I retrained my career, returned to employment, and we have rented a home closeby, and have been in good standing with the landlord for over 3 years. However, as I continue to reflect on what happened, I feel like laws were broken, and I was a victim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with RAS LaVrar, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: RAS laVrar , LLC responded to my previous CFPB complaint # XXXX however the response was not adequate to what I requested in the last response. RAS Lavrar , LLC indicated that they were updating their files to cease all communications with me, in which I never requested, however I requested for RAS LaVrar , LLC to not come out to my home address and they avoided giving me a response to that request. Also RAS LaVrar , LLC indicated that lawsuit was filed against me, in which I was already made aware of that matter, however I requested for the lawsuit to be dropped against me and I never got a detailed response to that request.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Bank account or service (Checking account) with KEYCORP (TX).
Issue: Account opening, closing, or management

Complaint: I relocated in XX/XX/2014 and found there are no Key Bank branches in XXXX. Shortly after that I saw online that my checking account was being overdrafted due to interest charges and late fees on my overdraft line that caused the overdraft line to be over limit. I called the customer service line and told them I had not been receiving statements. I had multiple contacts with them during which I asked for statements, advised of my new address and requested to close my accounts they failed to update my address and refused to close the accounts. I received letters stating I owe and get calls while I 'm at work but still do n't receive statements ( even though I was promised that I would ). The letters are sent to my former address so they have n't even updated that. I also asked about how I can make payments and some representatives have allowed me to make payments via phone while others tell me this option is not available. I feel the conflicting information is a means of deceiving me and preventing me from paying so that they can continue to assess late fees. 
Finally in XX/XX/2014 I was directed to call my old branch in Indiana ( why had n't the numerous previous representatives I had spoken with advised me about this? ) and they were able to assist with closing the checking account. I called back to customer service and explained I had difficulty paying the account and asked if there was any way to work out an arrangement for monthly payments and no interest. I was told that this could be done but it was n't and the overdraft line kept accruing interest and late fees but Key Bank still was n't providing billing statements. 
In short, I have notified Key Bank of my address multiple times but they have failed to update it. I have requested billing statements but they refuse to provide it. I 've been lied to about acceptable methods of payments, how interest will be accrued, and that statements would be sent. Key Bank has refused to work with me despite my explaining I 'm willing to make regular payments. 
Perhaps the most disturbing thing is that they charged overdraft fees on my checking account due to late fees and interest that they assessed on my overdraft line even though they failed to provide statements for that account. This is an unfair and predatory practice. It is essentially a double jeopardy with the bank unfairly penalizing me for a situation that they created with their own negligence in failing to properly update their records upon notification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-10-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I been in XXXX since I was XXXX years old someone been using my name opening bank accounts buying houses cars in etc in I have not been able to get a bank account in have a hard time even cashing my work checks I need help with filing identity theft claim with XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (Medical debt) with ASSET MANAGEMENT OUTSOURCING, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXXand XX/XX/XXXX I sent certified Hipaa letters to Nationwide Recovery Service asking for the verification of the accounts by asking them to send me a run down of all of the accounts that they have in my name and also the documents with my signatures from the medical provider that would prove or disprove that I am the actual owner of the acquired debt and they did not send me the documents I asked for. What they did send me both times in response to the Hipaa letters was a " debt validation '' letter with only a few of the debts they have under my name. In XX/XX/XXXX/ XX/XX/XXXX I sent a pay for delete letter for a partial amount to settle the debt and stressed in the letter that I was NOT validating the debt, but willing to pay a partial amount to settle the debt in exchange for removing the accounts from my credit report. I received no response within 30 days. On XXXX XXXX, 2017, I called to get more info as to how we could settle the UNVERIFIED debts and I was informed by XXXX the following : * I had 36 accounts totaling over {$2000.00} ( ( which was not in the debt validation letters they sent to me, including the most recent one which only totaled a little over {$600.00} ( not depicted in the file below ) so I was unaware of the additional accounts that were listed as well as the total amount of debt they attempted to collect ) ) *All 36 of the accounts were in dispute ( ( which I DID NOT ask for any of the accounts to be disputed only verified but they took the Hipaa letters as a dispute AND it is impossible for me to ask to dispute accounts that I did not know about until today ) ) * They do not take payments for accounts that are being disputed so that is why I received NO response to my pay for delete letter ( ( once again I NEVER asked for the accounts to be disputed and had tried to offer a settlement of the debt even though it remains unverified. ) ) This company is unfairly reporting debt on consumers that they do not even validate actually owes the debt. XXXX and XXXX, who I spoke with on the phone told me that they do NOT receive signature documents ( that would verify that I willfully assumed the debts they are trying to collect ) Not only that but they do not correspond properly to consumers who wish to validate and verify these debts or those who wish to settle them. I believe their practices are against FCRA laws and I would like them further investigated.
*File uploaded is not their response to the hipaa letters but to a debt validation request sent by a credit repair company I use. However, this is exactly what I recieved when I sent the hipaa letters as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: HI, I 'M FROM XXXX XXXX, I OPENED AN ACCOUNT IN COINBASE, WHEN I WAS TRYING TO VERIFY MY ACCOUNT THEY BLOCKED MY ACCOUNT AND I HAVE ABOUT 60 $ IN THERE, I TRIED TO GET AN ANSWER FROM THEN BUT I DID NOT RECIEVED ANY ANSWER, I HAVE SEVERAL DAYS WITH THESE PROBLEM AND I NEED AN ANSWER, IM DESESPERATE, PLEASE HELP ME

Company response to consumer: Closed with explanation