milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Trouble during payment process

Complaint: Santander Bank has been served a copy of my federal complaint under the Recovery Act. Santander has failed to respond to United States District Court for the   XXXX   XXXX  Pennsylvania  Court  Order.  Santander Bank  has not settle civil action number  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 03-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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: I previously filed a dispute with Experian concerning an account that is being reported by XXXX XXXX XXXX. I asked Experian to delete the information being reported as it is being reported inaccurately. I don't dispute the fact that this was an account that I was responsible for, because I was. This account was charged off and sold with a company that I have been paying over the last few years. My concern is that the information reported with Experian as inaccurate. Upon receiving the results from Experian on report number XXXX dated XX/XX/XXXX, I contacted them by phone. I was advised that the information was verified. I am challenging the verification of the accuracy of the information being reported. I do not believe that Experian is doing its due diligence when verifying information that is being reported. I am including 2 different reports of which XXXX is the creditor. On the report from XX/XX/XXXX from Equifax, they reported that my last payment was XX/XX/XXXX, however, the Experian report shows payment was made in XX/XX/XXXX and XX/XX/XXXX. XXXX and XXXX both deleted this account from my credit report. I know that is not a reason for Experian to delete but the fact that incorrect information is being reported should be. I look forward to your response of this complaint.

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 03/27/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have XXXX loans with Sallie Mae. When applying for each loan, I asked for a fixed rate and both loans are variable rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: unable to file a complaint with Transunion. Online website dispute service indicates to click a link that is not there. I checked browser and settings. Tried 3 computers and a smartphone. Used XXXX, XXXX  and XXXX. Link is not there. Unable to file dispute with transunion.

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 01/28/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Hi CFPB I raised a support ticket with XXXX, immediately after the platform crash they suffered, on the XX/XX/XXXX and again on the XX/XX/XXXX. They have only confirmed that they had received the support tickets, but did not provide support ticket references, then sent out an standard email on XX/XX/XXXX confirming they are having delays dealing with tickets ( which I empathise with ) and that they are prioritizing their responses. 

The contents of the second ticket, sent XX/XX/XXXX, explained my issue : " Hi Support I have not received a response to my request as yet, please can you help? 

My sell order for XXXX for XXXXBTC incorrectly fired around XXXX on the XX/XX/XXXX.  Your systems also dropped so rapidly it sold at levels far below XXXX - XXXX to XXXX, XXXX ... please provide evidence if was due to a system error and not a real price. 

Can you also confirm that the historical graphs for XX/XX/XXXX, around XXXX British Mean Time, now look completely different to what XXXX was showing on the day for the price of BTC/GBP ... now your site is showing a peak of XXXX but it definitely spiked at XXXX. 

Your graphs are now showing a low of around XXXX - my sell order was XXXX ... this is clear evidence that the sell order only fired due to your systems falling over. 

Can you confirm you can see the sell order cancellation request prior to your systems erroring? This was done around XXXX? 

I lost approximately XXXX of a BTC ... I'd purchased XXXX of BTC that morning and this error has wiped out my investment on that day effectively. 

Please can you help resolve this issue and refund me for the lost BTC? 

Much appreciated XXXX XXXX '' On the day of the XX/XX/XXXX the sell order fired incorrectly at XXXX British Mean Time and I then bought back in at XXXX when the price on XXXX had returned to the correct market value. I sold XXXX BTC and bought back XXXX BTC. I lost XXXX BTC due to the incorrect sell. 

There were also 2 charges of XXXX and XXXX from XXXX for the trades. None of these trades should have taken place and I should not have been charged due to the XXXX platform fail over/glitch. Please can you help? 

Thank you for your time and consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 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: Account information incorrect

Complaint: My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, federal loans, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.

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 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 try to get few charges on my credit report that aren't true but. XXXX XXXX XXXX and XXXX XXXX XXXX. Keeps lying about this issues XXXX XXXX XXXX claimed tha I have a contract with them but the don't bring the prove the haven not bring anything to provided it that why when I closed my account I was to finished pay what I used to owe them but the. They started to add more money late fees anual payments i have tried to resolve this issue bit they don't care they damage my credit becouse their fraudulent way to add money I would not pay money I don't owed them they are taking advantage of my situation the keep calling the house late night early in the morning non-stop I did a complaint with my credit report agencies but they side with them they didn't get any given any proved about the challenges but. They didn't remove it from my credit report non of them care

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 05-08-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report that do n't belong to me. This is my second complaint against Chex Systems in regards to this matter. I filed a police report with the XXXX Police Department in regards to the unauthorized and fraudulent credit inquiries listed on my Chex Systems consumer report. I was given a police report case number which is : 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 10-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I continue to receive calls from Receivables Performance claiming that I owe money. Lately they call continuously and do not answer. Multiple times a day. I have explained that I have not been given verification of debt since I had to pay XXXX XXXX XXXX a sum of money when I cancelled my service in store. When I do get a chance to talk to a representative, they are typically rude and tell me that I owe more money and did n't pay enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: Problem with XXXX, XXXX, and Trans Union. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.

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 09/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I WAS TRYING TO LOOK AT MY XXXX AND EXPERIAN CREDIT REPORTS BUT THE QUESTIONS IT WAS ASKING TO CONFIRM I AM XXXX XXXX I ANSWERED THE QUESTIONS CORRECT BUT IT SAID I WAS INCORRECT SO SOME INFORMATION IS WRONG ON MY REPORT BECAUSE I DONT HAVE A CHECKING ACCOUNT I NEVER HAD A MORGAGE LOAN. ALSO MY PREVIOUS STREET ADDRESS I LIVED ON IS XXXX AND MY CURRENT STREET NAME IS XXXX AND I DIDNT SEE ANY STREET NAMES ON MY REPORT THAT HAD XXXX OR XXXX. I HAVE NOTICED INCORRECT INFORMATION BEFORE AND I THOUGHT THIS WAS ALL FIXED ALREADY SO IF YOU CAN PLEASE LOOK IN TO THIS I WOULD APPRECIATE IT THANK YOU

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ( Equifax breach ) On XXXX XXXX 2017, I was told that my personal information including SSN and address might have been disclosed. This raised a lot of concern regarding my personal information and has seriously disturbed my work and life.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I just found out my home is in foreclosure. My home was in foreclosure 10 years ago, but the foreclosure was dismissed for lack of evidence by the plaintiff. I initiated a short sale a few days ago and was just informed by my Realtor that my home is in foreclose and has a sale date XX/XX/XXXX. I have n't never been served with papers notifying me that there was a case pending. NationStar has been in contact with me and is aware of, my mailing address. I also have a buyer interested and they will not entertain the short sale unless I agree to auction the property off. I have a sick child at home and do not want XXXX people walking through my home especially since we had the home on the market for 5 days and have a contract and a back up. I have spoken with Nation Star a few times the last couple months and have not been advised one time that there was a foreclosure pending. I suffer from XXXX and this absolutely devastated me. Please help me!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Problems caused by my funds being low

Complaint: Citizens Bank charged extortionately disproportionate overdraft fees when I overdrew the account by {$4.00}. Some of the fees were inconsistent with the policy. This is the chronology of events:XXXX overdraft of $ XXXX overdraft fee ( {$35.00} ) & lt ; = should have been waived by " overdraft pass '' XXXXXXXX overdraft fee ( {$6.00} ) & lt ; = fee starts too XXXX overdraft fee ( {$6.00} ) & lt ; = XXXX business day ( when sustained fees may start ) XXXX overdraft notice receivedXXXXXXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX payment initiated at other XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) XXXX overdraft fee ( {$6.00} ) There is an " Overdraft Pass '' feature, which states : '' If you overdraw your account with a transaction of {$5.00} or less we will not charge an Overdraft Fee. '' ( XXXX ) So the fee for {$35.00} should not have been charged. Also note that the daily fees started a day sooner than in the terms : " If your account remains overdrawn for 3 or more consecutive business days, on day 4 we will start to charge a Sustained Overdraft Fee of {$6.00} per day for each day it remains overdrawn ''. In my case the daily fees began on the third day, not the fourth. Also note that in the end XXXX more fees accumulated /after/ I sent a deposit to make the account positive. For XXXX of those days the money was in limbo, absent from both accounts. 

In the end I was charged {$90.00} for an overdraw of {$4.00}. That 's a staggering 2,261.7 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-02-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TN).
Issue: Managing the loan or lease

Complaint: I took out Care Credit loan when my daughter needed some dental work we could not afford. I was told it was ZERO percent interest and we arranged for automatic bank payments directly to Care Credit/Synchrony Bank. Recently I called the company to find out my balance since I was nearing the end of my contract and was told it was over {$4000.00}!! That was close to the amount borrowed several years before. I found out on that phone call that the " promotional period '' had ended and all of the extremely inflated back interest had been applied to my almost paid off balance and had no idea this was occuring as all buisness had been via bank withdrawals. I asked the man on the phone what I could do and he essentially said " Sorry, you lose. '' So add my name to the list of unhappy consumers with this company to help anyone else this XXXX happen to and perhaps get some sort of re compensation if a class action lawsuit is brought against this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Student loan (Private student loan) with NELNET, INC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I recently contacted XXXX via its website concerning my student loan payments. Specifically, I requested copies of my original loan documents, and an explanation as to why my monthly auto-debit amount fluctuates some months. I wanted to verify my original loan terms and amount regarding the loans taken over by XXXX from XXXX Bank and XXXX. To date, I have not received any response regarding my loan documents or the changing monthly auto-debit amount.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: XXXX - XXXX. 

I sent {$180.00} and paid {$15.00} for a one business day and the money wasnt delivered as promised and it did not get to the receiver until today.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Student loan (Non-federal student loan) with KEYCORP (AR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: This Keybank/XXXX loan was to pay XXXX, The XXXX. I am on a graduated payment plan, but it is about to balloon more than XXXX the amount I am paying now and they said I have no options. I explained I am a single mom who is currently homeless and with a XXXX ( staying with friends and family ) and would n't be able to afford {$400.00} per month. My net income last year was XXXX. My XXXX may be able to support that much next year but not this year. They refused to refinance me. They said I do n't have any options. It feels illegal and wrong somehow. I 'm still willing to pay I just ca n't afford that much right now. I 'm begging for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Mortgage (Conventional fixed mortgage) with BROKER SOLUTIONS, INC. (CO).
Issue: Settlement process and costs

Complaint: BELOW ARE XXXX COMPLAINTS THAT WE HAVE AGAINST NEW AMERICAN FUNDING, WHICH ARE : ( 1 ) XXXX ILLEGALLY HELD REFINANCED FUNDS FOR TEN DAYS, WHILE THEY CHARGED {$80.00} PER DAY FOR THE LOAN PAYMENT ; ( 2 ) TWENTY-NINE DAYS AFTER THE FUNDS WERE DISPERSED FROM OUR REFINANCED LOAN, NFA ( THROUGH XXXX ) CONTACTED OUR CREDITOR AND ILLEGALLY REQUESTED THE REFUND OF {$5700.00} WITHOUT PROVIDING ANY REASON OR WITHOUT CONTACTING OR INFORMING US. 
Here are the details of our complaints : We closed a refinance mortgage with New American Funding ( NAF ) on XXXX, 2017, which included loan consolidation of {$330000.00}. We were told that the funds of {$330000.00} would be wired to our creditors by Friday XXXX, since we did not have a " right to recind '' clause in the contract. Funds were not released, however, until I repeated called and threatened to request a Federal audit of NAF. Then after ten days the checks were reportedly sent and " lost '' and resent by NAF. 
I contacted both XXXX and XXXX ( loan representatives at NAF ) several times, but neither wanted to offer a solution to the problem of the missing funds. We were charged {$80.00} per day for funds that were not released from New American Funding ... this means that NAF charged us approximately {$800.00} before the funds were finally released. ( Note : NAF claims to close over XXXX loans each month. That number multiplied by the XXXX dollars, could constitute quite a scam every month. ) Today, XXXX 2017, I checked the balance of our XXXX, reportedly paid by NAF on XXXX in the amount of {$5700.00}. I was told that XXXX ( contracted by NAF ) requested a refund of the {$5700.00} and the funds were returned without my knowledge!!!!!!! This sounds like a scam to me. 
I am requesting a Federal Investigation of NAF and XXXX for what appears to be illegal practices : ( 1 ) charging for money that has not been released ; ( 2 ) Illegally requesting the return of funds that were paid through the refinance with no notification to us. ( 3 ) I am requesting a refund of {$800.00} for payments on our loan with NAF for funds that were not released ; ( 4 ) This may be a scam directed toward us, seniors ( over 65 years of age ). 

Thank You!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation