milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Winklevoss Exchange LLC (MD).
Issue: Other transaction problem

Complaint: XXXX-2017 XXXX XXXX in New York removed my withdraw permission because they detected that I logged in from a new device. Should have been restored in 24 hours. It was not because their system continues to believe that I am logging in from a new device. So the account remains suspended. I followed their protocol to address the issue. It did not work. I am logging in from the original device used and they still are not restoring my privilege. Only auto email response. No humans in this space. No ETA for response. There is a huge opportunity cost in hold people 's money hostage when there is extreme volatility. Should be laws that require exchanges to have a staff sufficient to address client issues. They do n't mind letting you in and collecting fees. They need to honor their side of the deal and provide legit. service. This is causing me great stress and I they can not reimburse me for that.

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 07-08-2016 about Debt collection (Medical) with R J Baucum Enterprises, Inc. (AR).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent out cease and desist phone call letter, along with request for full validation XXXX/XXXX/2016. Received harassing phone calls as recently as XXXX/XXXX/2016. They have yet to validate the debt

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX I submitted credit freeze requests to XXXX XXXX, XXXX, and Equifax on line. Today XX/XX/XXXX I received by US MAIL my proof of request for a credit freeze from XXXX XXXX and XXXX including my personal identification number and or pin and well as contact number for modification of the freeze. I checked our band and the state fees were deducted from our account from XXXX XXXX and XXXX 

The complaint I have is with Equifax. I placed all these requests the same day. The online Equifax web site took our credit card information to charge our account for the appropriate state fee. The site stated it would display a one time PDF for viewing and Printing. I wrote the number and confirmation number down but WE DO NOT OWN A PRINTER!! I have been checking our bank daily since placing the freeze request with Equifax but nothing has been debited from our account. I have NO PROOF THEY FOLLOWED THRU WITH MY REQUEST FOR A CREDIT FREEZE. I DO NOT OWN A PRINTER AND COULD NOT PRINT THE PDF. I have tried multiple times to reach Equifax by phone to verify they did their job in protecting me by applying my request for a credit freeze on my behalf but to no avail. I have tried to reach Equifax online to explain their error in assuming everyone can print the PDF but I can find no location on their web site to notify them of such. PERSONS WITHOUT A PRINTER ARE BEING PLACED AT RISK as EQUIFAX is NOT providing proof of their placing credit freezes on those who requested them. EQUIFAX IS DISCRIMINATING THOSE WHO CAN NOT AFFORD A PRINTER

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal and credit profile information were obtained as part of the XXXX XXXX breach of the Equifax database. This was verified on the Equifax website today, XXXX XXXX, XXXX. This is extremely disconcerting and as an individual who spent the last 18 months rebuilding my credit, very frustrating. The delay in letting customers know of the breach is also unacceptable. 

I do not know what impact this has had, or will have on my credit, but I was hoping to purchase my first home next year. Should my identify be used fraudulently, I ca n't imagine what impact this could have on plans for my family or future.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Payday loan () with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I got a XXXX payday loan from Castle Pay Day Loans. I was told it would be XXXX a month and it would be XXXX to pay it back. When they took my XXXX payment out of my account they charged me XXXX. I am on fixed income and this could have caused an overdraft if I had not seen it in time. When I contacted them they told me the XXXX was bi-weekly. They did not tell me that when I got the loan. And when i looked at the info on the website, they are showing that i will be paying them XXXX over a period of XXXX mos. It is showing XXXX pymts of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX,, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, XXXX pymt of XXXX, and XXXX pymt of XXXX. I was never, never told it would take me XXXX months to pay this off and that it was going to cost me XXXX to borrow XXXX or I would never have borrowed it. When I called and asked them why they took out XXXX instead of XXXX, they told me that the XXXX was biweekly and that I had opted for monthly. Well, when I spoke with them they told me more than XXXX it would only be XXXX and if I wanted more taken out I should call 3 days before pymt due. So i did n't call because all i wanted them to take was the XXXX. They also said that i could pay it off for XXXX before my next due date of XXXX XXXX, 2015. So on top of the XXXX already given to them, they want me to still give them XXXX. That is totally unacceptable as well!!! I have also filed a complaint with BBB but wanted to file with you as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with Ability Recovery Services, LLC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently pulled my credit report from all XXXX agencies. I noticed a collection listed from Ability Recovery Services with 2 accounts that I did not recognize. Acccount ID : XXXX for {$52.00} and XXXX for {$52.00}. On XX/XX/XXXX I sent a certified letter to the Ability Recovery Services requesting  validate the debt. On XX/XX/XXXX, I received a letter from the company with a printout of a bill. On that bill it states that the XXXX XXXX Due amount is XXXX. Then under that it states under creditor information that the current balance is {$52.00} for both accounts. The printout does not state what the charge of {$52.00} for both accounts is for. I sent another certified letter which was picked up by someone at Ability Recovery Services XX/XX/XXXX at XXXX. In that letter I requested that the company provide me a breakdown of the fees, what the fees were for, who and how it was verified and verification of a HIPPA authorization. I have not received any documentation or response from my letter since it was received by the company XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Home equity loan or line of credit) with Real Time Resolutions, Inc. (CO).
Issue: Loan modification,collection,foreclosure

Complaint: My credit is being damaged by false information ( date of first delinquency ) supplied to XXXX and XXXX by Real Time Resolutions ( RTR ). The original debt was a home equity line of credit from XXXX XXXX XXXX. I filed Chapter XXXX bankruptcy in XXXX XXXX, and included this debt. My last payment on the debt would have been about XXXX, XXXX. A few months after I filed Chapter XXXX, XXXX XXXX XXXX sold the debt to RTR. I completed my bankruptcy obligations in XXXX XXXX, and received my discharge in XXXX XXXX. As of XXXX XXXX, the original account with XXXX XXXX XXXX and the public record of the bankruptcy have been removed from my reports by all three bureaus. However, because RTR has provided an inaccurate/false date of first delinquency on this debt ( I believe they are reporting XXXX XXXX ), the account is scheduled to stay on my credit reports for several months beyond the seven year limit. 

On XXXX XXXX, XXXX, I disputed the RTR entry with both XXXX and XXXX, saying the date of first delinquency must be mistaken. As the debt was discharged in my bankruptcy, filed XXXX XXXX, the date of first delinquency must be prior to that date. The XXXX XXXX, XXXX, response from XXXX, is an " update '' on my report saying " The account is scheduled to continue on record until XXXX XXXX. '' Because of this inaccurate/false report, XXXX has refused to remove this negative account from my credit report although it is ( obviously ) more than seven years old. To date, I have not heard a final report on my dispute from XXXX, but I see the RTR account is still on my XXXX credit report. 

As a secondary issue, I would also like to point out that RTR is reporting as a mortgage company, when they are a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (VA mortgage) with LoanCare, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I currently had my mortgage sold. I had no idea this was happening. I was never notified. Now they have paid out numerous insurance mishandled my money, lied, charged me late fees, increased my house payment and refuse to help me. I have had over XXXX mortgages and I have never had so many issues. Loan Care LLC is scamming and stealing. How can I fix these issues. They are stealing from 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 07/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX is involved in my loan according to my servicer, XXXX XXXX and a new trustee, XXXX XXXX. I have contacted XXXX XXXX XXXX Division in New York and was referred to Chase Clearing House Corp and Chase Securities. I was told that those XXXX entities are now what XXXX XXXX use to be. I am checking to see if Chase Clearing House Corp and/or Chase Securities have beneficiary status of my property. Please advise. The loan number in question is XXXX. Originator was XXXX who is now XXXX XXXX XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX ( which is the original zip code that would have been used through the securities exchange ). ( The zip code changed to XXXX ). The specific pool is XXXX that XXXX XXXX claims the loan is tied to. I have yet to see any original assignment made by the past alleged trustee XXXX to the XXXX XXXX XXXX - Depositor. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I 've been with Bank of America for over 10 years, the last several with low balance and little activity. I last transferred money about a year ago. I had estatements and reliably received an email balance alert every month. In  XXXX , I received a statement in the mail explaining my funds had been escheated to the state. I had received zero communication until the money was gone. Nothing by email or mail. I understand escheatment policies vary but I had used the account somewhat recently. I called B of A and after discussing with a rep, they placed me on hold and forwarded me to the state.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (UT).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My husband was given the advice to submit paperwork via EMAIL to  XXXX  XXXX  XXXX . He was asked to include his   XXXX   tax returns which includes my social security number, My  XXXX  children 's ' social security numbers and his social security number. In the title he was to provide his social security number and his full legal name. IE  XXXX   XXXX   XXXX .  ( not real number s or names ) In addition to the application that was required to submit the income based repayment plan.     I called the customer service team and verified that this was standard language that people "  XXXX  '' submit these with this information. And that using an UNSECURE method such as email is an acceptable form. They then proceeded to tell me that if I do n't feel comfortable I can submit via fax or online. Both of which are much more secure My complaint is that the advice NelNet servicing is giving to email with all of this sensitive information is setting their lendee 's into a possible risk for sniffing and having their information stolen.     This is a pseudo government entity to service loans. I do not believe they are giving their customers proper advice to keep their identity or their families secure from would be thieves.      Regards, Concerned NelNet  Customer

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: house fire, insurance sent check with nationstar morgage as a payee sent to nationstar in  XXXX  they issued a check when we tried to deposit it, there was insufficient funds then a stop payment. Nationstar opened a suspense account in  XXXX  then wrote  two corporate advances for the entire amount then replaced the money in  XXXX . For  two weeks I have not been able to resolve this issue. nationstar says there is no stop payment. finally a supervisor contacted our  adjuster  I do n't know what they discussed but I did receive the supervisors name and number which have been calling but the call goes straight to voice mail says sorry not available.   The  contractor  has stopped work on the reconstruction of my home because he has not been paid.   Also they disconected the pay by phone feature in  XXXX  so my payment was late and they are charging an outrageous late fee of {$74.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hi, I open an American Express XXXX credit card in XX/XX/XXXX, and it advertised that after I spent XXXX within 90 days ( and extra XXXX within first 6 months ), then I will receive XXXX points. So I open an account. 
However, I did not receive any welcome rewards points now ( XX/XX/XXXX ). I called them in XX/XX/XXXX, and they said they need to do some investigations for about 4-6 weeks. After 2 months, I still did not receive the points. Then I called them again in early XX/XX/XXXX., and they said I will receive my point within 10 days. However, I still did not receive the point, and they hanged me off when I called back. So far, I still did not receive any rewards point as they advertised or promised.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (I do not know) with Midwest Recovery Systems (KY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: While checking my credit reports I noticed a collection from Midwest Recovery Systems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report. On XXXX XXXX, XXXX I sent a letter to the creditor asking them to validate the debt as well as remove the debt if the information was reporting inaccurately. I 've received no feedback from this company. I did receive a notification from a credit monitoring system I subscribe to that the debt was being reported as a collection. I have NO KNOWLEDGE of this debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Credit card protection / Debt protection

Complaint: I purchased an international product using my Bank of America ( BofA ) XXXX card but the merchandise received was lower quality in workmanship and material than XXXX prior suites purchases at a lower cost. I contacted BofA to raise my concerns and they informed me of the process to follow to resolve my dispute. Since the first call, BofA did not provide proper guidance for international disputes ( per XXXX ), been unresponsive to my follow-ups ( XXXX calls ), and, during my last phone call with the Credit Claims Department on XX/XX/2016, the BofA representatives asked me to forge a letter from a XXXX retailer to say the product was not of quality ; this was witnessed by myself and the BofA Branch Manager. I am very disappointed in the way BofA has handled my credit card dispute.

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 07/13/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage payments made to EMC Mortgage from XXXX thru XXXX were reported as 120 day late by JP Morgan Chase. Chase finalized a Hamp modification loan on XXXX. All payments prior to this date were made to EMC Mortgage. Chase has considered these payments as late yet in their own records of the account activity report for this mortgage, payments were posted as on time. No Late Fee 's Assessed. Chase refuses to correct this error even though they have been supplied with the documentation to prove their error. XXXX has also received copies of the account statements as I have disputed this non accurate reporting. NOTE : Chase has since sold mortgage to XXXX in XXXX XXXX. Chase no longer owns this account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with D2 Management LLC (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX 2017 - this company called saying they were collecting a debt which i didnt remember - her name was XXXX XXXX - she called form XXXX - I gave her my bank info and we agreed on XXXX a month which she has been taking for a year now..every month - i attempted to call her back to see how much was left on this bill but the number isnt in service. and I can find no info online as to how to contact them. They have taken XXXX from my acct over the last year ad now i feel really dumb..The company name is D2 management..Please help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage has been transferred to a new servicer three times in 3 years. This latest time, I received a letter on XX/XX/XXXX that told me my bill due XX/XX/XXXX was due to the new servicer, even though I had not yet even received a bill from them. Then I received a " privacy policy '' that says they will share my information freely for marketing purposes unless I jump through several hoops to get it turned off. Oh and by the way, I only have 30 days to do so and their office is only open from XXXX to XXXX if I choose to phone in a change. This is a gigantic pain XXXX. why must I go through this routine every year?

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: In XXXX 2016 I went to the Citi website to apply for Citi XXXX Honors Rewards card and clicked on an offer that would provide XXXX or XXXX XXXX Honors Rewards points if I had {$2000.00} in charges in the first 3 months. Once my application was approved, and I logged into my account, I noticed that Citi changed the benefit to XXXX points for {$1000.00} in 1 month. I called customer service on numerous occasions and told them there had been a bait and switch. After weeks of a runaround, someone ( XXXX ) from Citi Executive Officer XXXX called to help with my issue. After a day of " looking into it, '' he got back to me and told me that the marketing department said there was no possible way that that initial offer that I clicked on was available in XX/XX/XXXX when I applied. I told him that it indeed was and I had clicked on it, on the Citi website, to apply. He said there 's nothing more he can do. The conversation ended. There are numerous websites indicating the offer was available when I applied. Some of them are as follows : XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX I would like the points that I was promised upon my initial 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 non-monetary relief
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I responded to an offer I received from 5/3 bank back in XXXX of 2016, stating that new bank customers that opened new checking accounts would receive {$200.00}. I opened the account online and visited the local branch with the offer code and to finalize the account with a signature and deposit. The terms of the offer explained that in order to receive the {$200.00} I would have to have direct deposit from my employer and complete XXXX online bill payments. I have satisfied all conditions of this offer as of XXXX/XXXX/2016. I have not ever received the {$200.00} for this offer. I have called more than 20 times and I keep being given the run around. I even corresponded through their face book and social media group which finally did call me back and left me a message stating they would honor the offer and wanted me to call them back. This was more than 2 weeks ago and they have still not honored it. I have left more than XXXX voicemails and never get anyone to answer when I call the number they provided. They claimed that they spoke to me on XXXX and that the issue was resolved, but I never spoke to anyone and the issue is not resolved because they have still not honored the offer. I think this is extremely deceptive and coerced me into utilizing account features that I would not normally use to only not have them honor the {$200.00} bonus for completing the stipulations. I think this offer should be honored unless they can show that I have not completed the conditions and they should immediately deposit the {$200.00} into the account as promised.

Company response to consumer: Closed with monetary relief