milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-09-2015 about Consumer Loan (Vehicle lease) with U.S. BANCORP (NJ).
Issue: Managing the loan or lease

Complaint: I leased a vehicle ( XXXX Buick LaCrosse ) from US Bank. The lease term just ended and I paid US Bank {$17000.00} in certified check back on XXXX/XXXX/15 to buy the vehicle. It has now been two and a half weeks and US Bank is not releasing the title of the car and sending it to me. I have called several times and they still have not mailed it. If we consumers were to make a late payment, US Bank is quick to charge ridiculous late fees and ruin our credit report. However, the same rules do not apply to this bank. That is ridiculous! We need to get the title NOW.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: On Wednesday,  XXXX   XXXX , I initiated a wire transfer withdrawal from an online stockbroker in the amount of {$9700.00} for deposit into  XXXX  ( the online crypto-currency exchange owned by Coinbase ). Both  XXXX  and  Coinbase  's websites clearly state that wire deposits will be credited same-day if completed before  XXXX  PST. They also charge a significant fee for this expedited funding method.     It is now Wednesday,  XXXX   XXXX , and the funds have not been credited to my account. In addition, none of my inquiries have been responded to.     I was charged wire transfer fees by both my online stockbroker and  XXXX /Coinbase, missed out on valuable trading profits, and still do n't have my {$9700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 XXXX XXXX XXXX placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report 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 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I 've opened a credit card with XXXX about a year and four months.. I had 0 % interest for the whole duration of about a year and four months.. I used my credit card at about 50-80 % limit because I was investing in my education.. and used credit as an advantage and have payed it off before interest has took effect ... I tried to apply for a credit card at Bank of America and it seems my credit score went down due to using my credit limit at a high rate ... I would like to be able to talk about this since I was responsible for paying off in full without the APR taking in effect.

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 Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I formally requested that Ditech begin the process to remove the PMI from my mortgage in the beginning of XXXX 2015. XX/XX/XXXX I was contacted by a third party appraiser to schedule an appraisal and a few days later they informed me that my lender canceled the request. Since then, I have called Ditech around 8-10 times to follow up as to what exactly happened and each time the customer service acknowledges that there was some kind of issue which could not be explained but they were escalating my case to begin this process again. As of XXXX XXXX, I have not had any resolution and I have not been contacted by anyone to schedule an appraisal or by Ditech to continue this process of PMI removal. According to the standards of my mortgage, I satisfy all the requirements for PMI removal, yet Ditech seems to have done everything they can to prevent this from happening. At first it seemed negligent, but now it is clear that it is fraudulent. I have been paying PMI for 3 months longer ( and possibly more moving forward ) than I should have and I have adhered to their standards throughout this process. I have no resolution as of XXXX XXXX 2015 and after calling customer service today, I been told the same thing, that my case was moved to the escrow department and I should hear from someone in a day or so. But I never do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Advertising and marketing

Complaint: American Express advertised on the internet if I applied for their gold credit card and was approved, I would receive XXXX points if I spent {$2000.00} within three months. I adhered to this program. but was told that I had a gold card 3 years ago and therefore was not eligible. There was nothing on the original advertisement that would exclude me on this offer, except if you read the fine print it does say " you may not be eligible if you had another card. I can understand that they would exclude me, but why did they wait until I spent over {$2400.00} to let me know of this procedure. I believe they should have disclosed to me this information at the time of approval, or at least when I received the card. I have sent many letters to other agencies, as well as the better business bureau, and have not received any additional guidance. I recently received a letter from AMEX that stated that their " research has confirmed that these terms were presented to and accepted by me during my online process '' This statement is ludicrous, why would I write so many letters to correct the situation. I certainly would not have pursued this if I had known upfront. I firmly believe they should honor their initial offering and I will pursue via letters and correspondence to other agencies if necessary. Thank You XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent many letters explaining in DETAIL what personal information and accounts I want to be investigated. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''

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 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/2017, I began to dispute accounts on my credit report as included in my Chapter XXXX. Most of my accounts were updated properly however, I continued to have a few accounts that were not corrected. One account, in particular, would not update correctly as included in bankruptcy. It continued to update as a collection account after filing bankruptcy. I filed Chapter XXXX on XX/XX/2017. As of today, XXXX XXXX is included in the bankruptcy and the account is closed. However the reporting is still incorrect, the date on the report reflects as a recent status update and is incorrect. All of my other tradelines are reporting correctly and the activity date never changed but this one did and is report erroneous. Please change the activity date back to the original date of bankruptcy filing. The date on my report is incorrect as it was not a collection account at the time of that update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with Preferred Collection and Management, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I spoke with a debt collector for PREFERRED COLLECTION AND MGMT at ( XXXX ) XXXX physically located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. Their mailing address is XXXX XXXX XXXX XXXX, FL XXXX. The call was made in regards to these two accounts XXXX {$120.00} and XXXX {$83.00}. She informed me of multiple debts in their office. However, she never gave the Mini Miranda. She never informed of her attempt to collect the debt or that the call may be monitored or recorded. In addition, this debt collector was practicing unlawful and unethical practices. She refused to take a payment because the debtor was not making a payment on all of the accounts ( including the ones they could not provide a validation of debt for ). I offered to pay $ XXXX since they refused to take a 1-time payment on these two accounts. She refused to set up my payment arrangement and requested that I mail the payments instead.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (OH).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have been attempting to apply for an unemployment deferment because I was furloughed by the XXXX on XXXX XXXX, 2016. ECSI, which services the Perkins loans I borrowed to afford XXXX school, refuses to accept my proof of unemployment. I do n't have any money, and my low credit score due to their refusal is affecting my ability to secure a year-round full-time job.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (I do not know) with BB&T CORPORATION (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receiving repeated calls from the collector for a person that does not reside at my residence. We do not know the person. They have been told this numerous times now yet they keep calling, sometimes twice a day.

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 09/25/2016 about Mortgage (Conventional fixed mortgage) with ARVEST BANK GROUP, INC. (VA).
Issue: Application, originator, mortgage broker

Complaint: our mortgage is sold to another lander and i have not recevied any info were to send money and we have not been late with our mtortgage for the past 5 years can we send to our old lander

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AL).
Issue: Managing the loan or lease

Complaint: I received an auto loan from Santander Consumer. Two years after receiving the loan for a vehicle the car was totaled out due to flood in XX/XX/XXXX. I was informed that XXXX and XXXX both would cover the remaining balance of my loan and that I would not be responsible for paying anything out of pocket. About a month ago ( XX/XX/XXXX ) I went to buy a new car and I was told that my credit score had a charge off on it posted by Santander Consumer. I received no correspondence from Santander. No email, no letter, no phone call, nor voicemail. Needless to say I was blindsided by a charge off on my credit report that I had no idea of prior to going to purchase a new vehicle. I believe it was a very unfair practice for Santander Consumer to charge off a balance as they did without speaking to the loan holder about possible payoff on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 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: XXXX XXXX is reporting an inaccurate late on my credit report.

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 08-08-2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Billing disputes

Complaint: On XXXX/XXXX/15, I logged into the online financial service that TD Bank has made available for payments. I noted that my account had been debited for {$25.00} on XXXX/XXXX/15. I contacted TD Bank customer service via telephone and spoke with XXXX, employee # XXXX, on XXXX/XXXX/15. XXXX indicated that because my due date fell on a weekend, Sunday, XXXX/XXXX/15 and I had not made a payment prior to close of business on the preceding Friday, XXXX/XXXX/15, that my account was automatically charged a late fee of {$25.00}. They did explain that the late fee was not valid and would automatically be reversed if I make a payment by the due date. However, my account still exhibits a notation that my payment was late and notates a late fee even though my payment was made and credited to my account prior to the due date. Neither the card holder terms and conditions, or the online service terms and conditions make customers aware of this practice. More poignantly the card holder terms and conditions and the online service terms and conditions provide that payments made by XXXX on weekends and federal holidays will be credited to the account the next business day and that payment shall not be treated as late, at least as it applies to mailed payments. I expressed my concerns about this practice of preemptively charging customers late fees to XXXX, to which he replied, " that is just the way the system is set up. '' I explained my intent to file a compliant with a regulatory agency if the practice was not addressed, but XXXX was not moved by this. Although these entries as " late '' are not reported to credit reporting agencies, as far as I know, the bank is still knowingly making false entries on customer accounts regarding their payment punctuality. The practice of preemptively charging customers late fees, with or without the intent to automatically reverse the charges, is inconsistent with what is fair, reasonable and in keeping with the card holder terms and conditions intent of the application of payments. Records of late payment should only be made when a customer does not pay within the the terms and conditions as outlined in the card holder terms and conditions. I have conducted a review of my account and found that this is not the first instance of this event.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I have been negatively impacted significantly by Ditech erroneous reports. They have reported that I was late on my payments, or missed payments with them. This is absolutely false. I have never been late, nor have I ever missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit reporting () with Avantus, LLC (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Bankruptcy still showing on all XXXX credit reports after ten years

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: check my credit score and history and it says i have multiple accounts open for cards and loans for cars i never have or seen. somebody has been usimg my information since XXXX and maybe longer. it says they open a loaned somewhere around XX/XX/XXXX. and that wasnt me. i just need help fixing this so i can really live my life

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX I attempted to contact Navient about removing some old late payments on credit report from XXXX while I was unemployed and was told no that nothing could be done because they were over 90 days old. I 've been in good standing since XXXX with payments and asked if there was anything at all they could suggest I do. The only option provided was to wait till XXXX to have it removed. It seems inaccurate to me that someone who was unemployed can not be assisted and especially after making payments on time for four years consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Consumer Loan (Title loan) with MARINER FINANCE, LLC (NC).
Issue: Payment to acct not credited

Complaint: My husband and I obtained a loan from Mariner Finance in XX/XX/XXXX. We used the title of our XXXX Mercedes Benz as collateral. The loan was paid off in full on XXXX/XXXX/2015, by a check that was mailed. The check cleared on XX/XX/XXXX. When we contacted Mariner to ask about the return of our original car title we were told by the branch manager that the title would be mailed. We waited a week before calling back. At this time we were told the title was lost by them and they would get us a replacement. 

We have not received our title nor did we received a paid in full receipt from Mariner. I also spoke with the supervisor of the branch manager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with COMMERCE BANK (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XX/XX/XXXX I applied for the XXXX XXXX XXXX XXXX XXXX XXXX credit card backed by Commerce Bank. My XXXX credit file was then hard pulled three ( 3 ) times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Hello, I have spoken with Discover Financial a handful of times since I 've been with them. Roughly about 1 year ago I called asking them to please consider lowering my interest rate since it 's so high and it was becoming financially stressful to make the payment. My request was declined, but I was informed I would be notified in the future if I would qualify for a lower interest rate. About 3-4 months after that I received a letter that I understood informed me my interest rate would change from 16.99 % to 12.99 % as they have reconsidered the request I originally made and I would just need to wait a couple billing cycles to see the changes. Of course I was very happy and I waited a couple billing cycles but I did n't see any changes. I called discover about 2-3 months after receiving the letter and was advised by a MALE that the changes were pending but I would receive a letter informing of the changes and the amount I would be refunded since my request was being backtracked to the original date i request an interest rate reduction. The MALE i spoke with made some calculations and said i would be getting a refund of {$600.00} - {$700.00} and my new rate would be the 12.99 % as the letter stated and i was very happy to hear that. I waited and waited and I did n't see any changes so I called Discover a couple weeks ago and the first FEMALE I spoke with transferred me to a supervisor. The supervisor was very polite but she had bad news. She found the letter i mentioned to her and she said the MALE agent I spoke with provided inaccurate information. She said my interest rate increased to 16.99 % and I would not be receiving a refund at all. She did help me a little by crediting some interest but there are no changes being made to my interest rate or a refund being sent which is what I was told. This is very upsetting because I called Discover and the agent read the letter with me and explained all the benefits with interest rate reduction and a refund being sent and it was all a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo is claiming our escrow account has a shortage. Our county, local and school taxes did not go up. Actually, our school taxes went down according to Wells Fargo, but I ca n't find the exact amount. Our homeowners insurance increased by {$53.00}. When I add the monthly escrow amounts, we only have a shortage of {$41.00}, but Wells Fargo claims it is a shortage of {$62.00}. I asked customer service to re-do the yearly analysis since it is wrong, and she says they wo n't redo it. They mailed our coupon for XX/XX/2017 and now have us paying a shortage of {$100.00}. I 'm willing to make up the shortage of {$41.00}, but I 'm not willing to pad my escrow account and have an extra {$60.00} for Wells Fargo to use for their interests. My escrow account should balance {$0.00} when Wells Fargo is finished paying our taxes. Wells Fargo makes money on our mortgage, not on our escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Application processing delay

Complaint: On or about XX/XX/2017 - I applied for Chase Saphire Card. I have credit score of XXXX. But my card is rejected it seems. How come they can reject my application even with this high credit score? Moreover this application hit my credit score by XXXX points.

Company response to consumer: Closed with explanation