milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2016 about Bank account or service (Savings account) with SUNTRUST BANKS, INC. (MD).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 my daughter XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within XXXX minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released my daughter XXXX XXXX has received a closing letter from Suntrust Bank and in that letter it states that all monies left in the bank account would be sent in th form of a paper check to the address on her account but now that is not the case so after weighing many options and getting anywhere I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank

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 01/25/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Problems when you are unable to pay

Complaint: I was talk into getting this car with very high interest and there has been XXXX recall on this XXXX car with this car company.I feel like i been sold a lemon .This car was given back to this company and i dont think this should be on my credit and be removed.Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : XXXX XXXX XXXX : MALFUNCTION INDICATOR LAMP ILLUMINATION. POWERTRAIN CONTROL MODULE MUST BE UPDATED WITH LATEST SOFTWARE *CNervice Bulletin No. : XXXX Component ( s ) : ELECTRICAL SYSTEM, EQUIPMENT XXXX ID Number : XXXX All Products Associated with this Service Bulletin expand Details close XXXX Associated Documents Manufacturer : Chrysler XXXX XXXX XXXX XXXX XXXX SUMMARY : CERTAIN VEHICLES ARE EXPERIENCING SCREEN LOCK UP ON NAVIGATION OR DISPLAY BLANK, RADIO WILL RESET, INTERMITTENTLY, NOT ABLE TO DIAL PHONE FROM RADIO BUT CAN DIAL PHONE, TRANSLATION FOR XXXX LANGUAGE ADDED, AFTER DISCONNECTION PHONE, FAILS TO CONNECT PHONE, ETC. MODEL XXXX CHARGER, CHRYSLER XXXX, JOURNEY. *PEroximately XXXX model-year XXXX XXXX XXXX SUVs manufactured between XXXX XXXX, XXXX, and XXXX XXXX, XXXX The Problem : Water may enter the wiring harness for the antilock brake system module and leak into the module, disabling the ABS or electronic stability control system ; this could cause a loss of stability, increasing the risk of a crash. XXXX Chrysler Automobiles noted that it is unaware of any related injuries or accidents. The condition, XXXX stated, is typically preceded by the illumination of an instrument-cluster warning light ; foundation brake function is unaffected. 
The Fix : Dealers will seal the ABS wiring harness to prevent water from entering, replace the ABS module, and repair the headlamp and dash wiring harness Read more at XXXX : XXXX # XXXX Affected : Approximately XXXX model-year XXXX XXXX XXXX XXXX equipped with the XXXX four-cylinder engine The Problem : The plastic engine cover may become dislodged and, if it comes into contact with exhaust components, pose a fire risk. The problem was discovered during an investigation by the automaker following XXXX incidents in Chile ; in each instance the vehicle had been driven extensively on unpaved or uneven surfaces, XXXX Chrysler Automobiles stated. XXXX said is aware of XXXX minor injury associated with the issue Read more at https : XXXX # XXXX car has been a lemon and XXXX refuses to back the product they sell.I am extremely disappointed with this vehicle. I have had ignition and overheating problems.I was sold an a lemon and i want this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Consumer Loan (Installment loan) with CREDIT ACCEPTANCE CORPORATION (TN).
Issue: Taking out the loan or lease

Complaint: I noticed that I see Credit Acceptance on my credit report but I never encounter making a deal with them on a car. I recently received papers on being sued for a car that I never acknowledge that was mine. They provided a copy of the paperwork that was signed and my name was signed but I never had a car. I do n't understand what is going on. After receiving threatening calls ; I had to change my number because the harassment kept continuing after i told them that I did n't sign for a car. Since changing my number the calls have been coming again, but now they are using a " Blocked '' or " Private '' number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MN).
Issue: Other service problem

Complaint: I 'm trying to sell my crypto currency. XXXX bitcoin and XXXX ethereum in my Coinbase account. I want to liquidate and turn this into cash. Whenever I try to sell it says I need to verify my identity. I am unable to verify my identity and it gives no support. My information is correct and I am within my sales limits. I have tried countless times to verify and I get the same nonhelpful error message saying they could not verify my identity. My money is now frozen because they wo n't let me sell without verifying my identity and their identity verification is broken. I want my money out asap but they 're essentially holding it ransom. I was able to buy and sell before and then suddenly my accounts were frozen. I have uploaded my ID and given them my ssn and still can not access my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Our initial mortgage was with Bank of America who offered to refinance, but the payment was as much as original mortgage due to pending mortgage deficiency, they then sold our mortgage to one of their subsidiary 's " XXXX XXXX XXXX ''. 

We had sought the assistance of XXXX to assist us with the refinancing. XXXX XXXX XXXX refused to refinance our mortgage telling XXXX they had received our paper work too late. However, this was in correct as all requested documents were sent and submitted within the time frame required. XXXX XXXX simply refused to work with XXXX on our behalf. 

In addition, XXXX XXXX XXXX it would appear intentionally caused our mortgage to become default, which resulted in them selling it to XXXX XXXX XXXX. 

XXXX XXXX at the time of selling our mortgage to XXXX on XX/XX/XXXX, was negligent in their fiduciary duties in that they did not disclose to XXXX that we had filed a complaint with your agency, Consumer Finance and that they ( XXXX ) had refused to work with XXXX. Their action resulted in the property being sold to XXXX without any consideration for our need and ability to re-finance in an attempt to save our home. XXXX obtain a court order resulting in us having to vacate the property no later than XX/XX/XXXX. 

The action of XXXX XXXX has caused not only the loss of our home, but extreme emotional distress and absorbent monetary loss and financial hardship. 

We appeal to you for any all assistance and remedy with respect to the issues raised in this complaint. 
We thank you in advance for your kind consideration and concern in this matter. 

With kind regards, we remain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX we tricked in refinancing our mortgage muly mother and father are foreign so they barely understood the terms that the wachovia rep was telling them.they said if we had refinanced with wachovia which is now well fargo we would get {$27000.00} check.so my father decided to refinanced with wachovia because we needed money at that time to do some renovations through the house. One month later when i called XXXX XXXX XXXX or who over got my father to sign those papers said that we would get NOTHING IN RETURN.WE ALL SAT THERE SO SHOCKED AND DISBELIEF THAT WE WERE TRICK IN SIGNING OVER TO WACHOVIA TO GET XXXX FOR NOTHING WE WAS PROMISED THAT WE WOULD. Ok now we sign in not knowing it was an adjustable rate mortgage now ANOTHER PROBLEM. Now we heading to foreclosure around XXXX and i just started college and i had to look for an foreclosure agency to help us ..oooo the XXXX had just begin from always missing document and they never recieved thos and that.so now after a year we got a modification but now switch to well fargo so we thought this would be goood EXCEPT ITS AS IF WE JUST PURCHASE THE HOUSE BRAND NEW WE HAVE BEEN LIVING IN THAT HOUSE 16 YEARS AT THAT TIME BASICALLY WE GOT RIPPED OFF.NOW NOT ONLY WE PAYING AS IF WE BOUGHT THE HOUSE OUR MORTGAGE PAY OFF IS XXXX WHICH DOES NOT MAKE SENSE IF WE REFINANCE A 30 YEAR MORTGAGE IT SHOULD BE XXXX IF ITS STARTING IN XXXX BUT THEY PUT XXXX XXXX FAIRLY CONFUSED WHY IS IT XXXX IF ITS 30 YEARS PLEASE HELPPPPPPPPP BECAUSE WE ARE DEFINITELY GETTING RIPPPED OFF BY WELL FARGO BIG TIME

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 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I want to make a complain against Navient. I have been paying my school loans since I believe XX/XX/XXXX/XX/XX/XXXX and just recently in XX/XX/XXXX I lost my job. I called Navient to see if I had other options besides forbearance. They mentioned this would be my only option but this would still mean that my percentage rate will still apply every month regardless. Its frustrating to me because I have a very high interest rate that they wo n't allow me to change. So I am paying double at the end. When I did file for a loan I was not aware of how much interest rate I would get hit with. I am out of my wits with no help and a growing loan that has not yielded anything for me!

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Credit card) with CONSUMER PORTFOLIO SERVICES, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They keep calling me at work and I have asked on XXXX different occasions for them to stop. I can not receive personal calls at work. They called the receptionist at my job and asked what did I do for my job and if I still worked at my job. After that, they started calling me directly at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Bank of America engaged in intentional criminal activity to defraud consumers by manipulating its IT data to charge illegal late fees and interests, including to me. In particular, upon receiving my statement of XXXX XXXX, XXXX, I logged onto the Banks website on XXXX XXXX and authorized the payment of the full balance of {$270.00} on the due date of XXXX XXXX. The Bank confirmed this XXXX. Yet, the Bank did not post my payment until XXXX XXXX, and fraudulently charged me {$15.00} late fee and {$2.00}  interest, despite the next closing date of XXXX XXXX, XXXX. Moreover, should the Bank try to use smoke and mirrors to cover its criminal conspiracy, it must be noted that all purchases during that month of XXXX to XXXX totalling {$65.00} were returned for credit during that same month. In fact, the credits totaled XXXX. In short, my balance on the XXXX XXXX statement should have been a {$0.00} credit. Thus, despite my proper authorization of the full previous balance by the due date and no net purchases but instead a net credit, Bank of America purposely and intentionally tried to steal {$17.00} from me, as it surely does with other customers. Only IT software manipulation can explain the Banks actions. Like XXXX XXXX, Bank of America thinks that the public is too stupid to catch onto its criminal conspiracy. The Bank has ignored my dispute of the illegal fees and interest.

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 12-09-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX/XXXX/2015 I mailed Experian a dispute letter of a Federal Tax Lien that they are reporting against me. With that dispute I showed them a letter from the IRS that said the lien was withdrawn. That means it does n't exist anymore. On XXXX XXXX, 2015 I received a letter from Experian saying " verified, no change ''. It 's obvious to me that no resonable investigation was made as the facts are CLEAR. This lien has been withdrawn by the IRS and needs to be removed immediately from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My original payment is {$250.00} a month I paid {$300.00} the first month the payment went down to {$210.00} if I continue to pay XXXX should n't the extra be applied to the principal they say it does n't because my normal payment is {$250.00} I thought my payment due would continue go down because the extra I am paying would go to principal instead of being like the original payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am not aware of this debt, Please help to remove from collection report / credit report asap.

Company response to consumer: Closed
Consumer complaint received 12/14/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I attended XXXX University XXXX for profit school XXXX from XXXX - XXXX. I was pressured into finalizing my enrollment quickly and made promises that were not kept. The only option available was Sallie Mae XXXX XXXX Loans, I was given no other options. I now have over XXXX in private loans on my credit and my XXXX year-old mother co-signed the loans, so she is liable, as well. We have been harassed for years by agressive collectors who call our houses and our cell phones, and have received collection letters demanding payment in full. I am praying that someone can help me with a solution because these colleges have been preying on innocent people for too long. I am now working in a position that only pays $ XXXX per year because I ca n't find a good job without an education and I have been unsuccessful in my attempts to qualify for further financial assistance to complete my studies. Please help me if at all possible. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Today XXXX XXXX 2018 I contacted my XXXX XXXX to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for XXXX XXXX credit score monitoring with Free Daily Alerts. It appears, that Equifax, XXXX XXXX and XXXX are reporting to my credit file balances Two weeks after my closing date with XXXX XXXX,  then immediately decreasing XXXX XXXX score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX XXXX closing date is the XXXX of each month. Verified with XXXX XXXX. Why is Equifax, XXXX XXXX and XXXX  reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX XXXX at ANY TIME because Equifax, XXXX XXXX and XXXX is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by XXXX where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX XXXX that they ONLY report my Balances every XX/XX/XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to this bad business practices. XXXX XXXX advised I should report this immediately because it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SQUARETWO FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to get debt collection notices from CACH , LLC, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX even though I have repeatedly told them they have the wrong person! Pursuant to my rights under federal debt collection laws, I requested in many certified letters that CACH LLC cease and desist indicating " The debt is not mine and I do not want you to contact me again. '' I want them to decease letters to my residence of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX They only verified name and address and started sending notices. I am not XXXX, my birthday is not XXXX/XXXX/1950, and my SSN is not XXXX. Stop the harassment and compromising my identity and credit.

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 10-09-2016 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan servicing has been transferred multiple times and the original servicer never complied with the Court Ordered Stipulation on a confirmed Chapter XXXX Plan. The servicers are all in contempt of court and need to correct the servicing on this account. I have written multiple times to try and get this corrected going back to 2012 and no one is correcting the account and they are charging me fees for eroneous inspections that had the servicer corrected the account, none of these fees would have been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I recently tried to purchase a car and when my credit report was pulled up. It showed that I was on collection/public record with XXXX. A company that I have never done business with. Ever since I started driving my insurance companies have been XXXX. I suspect that this may be someone else with my same name. I have n't been able to access any of my annual credit reports and I have the same suspicion that someone with my same name. Every time that I tried requesting my reports it would tell me that my information was insufficient to confirm my identity and match my credit. I desperately need a car but I refuse to be given an interest rate based on credit scores that do not accurately represent 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 non-monetary relief
Consumer complaint received 05/21/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2016 I received an escrow letter from Caliber Home Loans stating that My mortgage payment was going to increase from {$620.00} to {$1500.00} on XX/XX/2016 due to an escrow shortage caused by an HOA assessment in the amount of {$340.00}. I immediately contacted Caliber and spoke to XXXX who advised me that a check was being sent every month in the amount of {$340.00} to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Fl XXXX. I advised her that my association is XXXX XXXX at XXXX XXXX XXXX XXXX Fl XXXX and my association fees are paid by me every month they are not included in my mortgage and that there are no special assessments on my property. After numerous phone calls and XXXX XXXX, 2016 fast approaching and nothing being resolved on XXXX/XXXX/16 I was forced to seek legal counsel to have to resolved before my mortgage was in default due to not being able to make payments that were not correct through no fault of my own. I had to pay {$900.00} to attorney XXXX XXXX to ave this issue resolved on XXXX/XXXX/2016 XXXX XXXX sent a letter requesting this be resolved and fortunately at this point my mortgage payment has been corrected. I am still currently out {$900.00} in attorney fees that Caliber does not seem to want to reimburse me for. This was something that had they not erroneously mismanaged my escrow account or at minimum resolved the issued when they received my letter and documentation supporting my mortgage should not be going up because this was an error on their part I would not have had to pay {$900.00} to an attorney

Company response to consumer: Closed with monetary relief