milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (TN).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint: My issue is with American Express and their Serve Prepaid Debit card. Had the card for over 5 years, was using it regularly, had a portion of my pay direct deposited to it each pay period for 5 years. tried to log in one day approximately 5 weeks ago, was told the card had been suspended due to potential fraudulent activity. I said ok, could you please tell me what the fraud was about, as I never did anything illegal or against terms with the card, and more importantly, was I going to get my remaining balance, approximately {$220.00}, back. Was told they could n't provide any information regardign the " fraud '', and that it would take several weeks to resolvle, and that I 'd receive my funds once the investigation was complete. Called again a couple weeks later, same story. During that time I the portion of my pay, {$1200.00}, that normally went to the card from my pay went to some limbo, was able to get it back from my employer, but did n't get until 10 days later than I normally do. Was recommended by an attorney friend to contact CFPB office regarding this matter, as it 's been almost six weeks now and have n't heard anything else from them, and havent ' received my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2016 about Bank account or service (Checking account) with BB&T CORPORATION (NC).
Issue: Using a debit or ATM card

Complaint: My current bank BB and T. Is changing the order of processing transactions and automatically applying overdraft fees to accounts for pending purchases and not processed ones and will not refund the fees if the pending purchases do not go through or are cancelled. They have also placed holds on cash deposits that I have made through the atm without an envelope, and which should have posted directly to the account. I paid a bill at the bank with a check on XX/XX/XXXX and had over {$1000.00} in my account and was still given a fee for the check because a purchase was made with debit card the next day after business hours that they took out first and not the processed check. I do not like how they are reordering transactions for so that they are able to assess fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Taking out the loan or lease

Complaint: I asked by a friend to cosign with her on a car. When the paperwork was brought to me at work I was the buyer and her name was n't even on the contract. I questioned why I was the buyer and not the co-buyer and was n't even informed that she was n't on the contract with me. I signed after hearing the reason why from the salesman but after thinking about the situation asked the dealership to change the paperwork and make it right. My complaint right now is with Chrysler Financial Corporation because I informed them what had taken place and that I was worried about how this would effect my credit. Chrysler Financial Corporation did escalate this to the office of the president and talked to the dealership but because I signed the contract there 's nothing they can do and its up to the dealership. The dealership made material misrepresentations on applications ( me as a buyer instead of co-buyer ) without informing me by phone or written agreement. Never was informed under the XXXX Practices Rule that states " creditors to advise consumers who cosign obligations about their potential liability if other person fails to pay ''. I let Chrysler Financial Corporation know that the car was taken back to the dealership because they misrepresented the paperwork to me that I signed. Never talked to a finance person and as of this day of XXXX/XXXX/15 never been on the dealerships property. So this complaint is about how Chrysler Financial Corporation views my obligation to this contract under misrepresentation by the dealership they finance cars through. Yes I did sign the contract but the only person I every spoke to before signing the paperwork was the sales person.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with I.C. System, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I became aware in XX/XX/XXXX that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier. I contacted XXXX XXXX XXXX - the provider in XX/XX/XXXX and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and XXXX and XXXX  removed the items. However, XXXX did not ( see attached ). In addition to collecting for a debt that is not owed, this is clearly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have filed and sent numerous complaints and police reports with the case numbers in regards to fraudulent accounts and hard inquiries listed on my XXXX XXXX, Equifax and XXXX credit report. The following accounts and hard inquiries are fraudulent : XXXX, XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX. I been receiving harassing and threatening telephone calls from representatives from XXXX XXXX in reference to a fraudulent account that do n't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called to see how much money was in my bank and found it was garnished by Asset Acceptance. They claim I owe on a debt that I already paid to XXXX XXXX, attorney in Oregon. I paid this off XX/XX/XXXX. Apparently there was a judgment for this paid off debt XX/XX/XXXX. I called XXXX 's office and they sent all the paperwork to Asset acceptance, who just garnished my checking account. I originally called XXXX in XX/XX/XXXX to see if I was making my last payment when I was told the account was transferred back to Asset Acceptance and was given the number. I called to make sure that was my last payment and was told I was not showing as owing anymore. Fast forward to today, I had XXXX garnished from my bank account and I am told I had a judgment and I still owe the full amount. My husband had to deal with this same company last year when they called everyone in the family and claimed to be a law firm ready to take our home, harassed the family and his work, for a debt he already paid. He got the money they took back but it took a month. How are they still in business and how can I fight this? I had no notice, nor contact with this company, so how are they able to garnish my account for something I do not owe? Please help!! How do I stop this. I talked to the attorneys doing the garnishment and notified XXXX 's office, but they said they sent all the copies to asset acceptance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Debt collection (I do not know) with Collection Bureau of America Ltd. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have contacted XXXX XXXX 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account NumberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Vehicle loan or lease (Loan) with Auto Credit of Southern Ilinois (IL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I purchase a vehicle XX/XX/XXXX also purchased the gap/repair Extended warranty : on XX/XX/XXXX ( Abs ) brakes system all wheels lock up 1st sign of of ( faulty ) engine. Check ( engine ) light comes on as well. 2nd sign faulty engine the van starts this jerkying and stalling while driving this is all going on within a years time. About XX/XX/XXXX the van does not starts or drives its just stops running. I asked if gap/repair extended warranty can be used to repair or replace the engine problem!!!! What are my rights as a consumer and customer concerning The LEMON LAW!!! They never responded back since I asked them to replace the vehicle or repair the vehicle!!! I surrendered, and gave the vechicle back. Then they said they repossessed it and reported to my creditors!!! I paid {$6100.00} they said I still owed {$7000.00} I feel I was robbed out of my money and a vehicle that doesnt work!!!! Does the LEMON LAW REALLY WORK!!!! They took advantage of me and my wife. They failed to issue me a trade value. Also failed to give me a replacement value. This was Auto Credit XXXX, Il XXXX ( XXXX or XXXX ) also mangers were involved!!!! They knew the vehicle was not working I told them their response was its not our responsibility for engine problems take it to repair shop. The extended warranty was paid since the start of contract!!!! I signed up for it in the paperwork!!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint: I called Monday  XXXX   XXXX  to get an additional card. I was told it would be $  XXXX  for extra  card,  ( not  free as advertised ) I asked if there were a way to expedite shipment.  XXXX   XXXX  Dollars for  1-2 d ay shipment. they would waive the card replacement fee. I called the next day to confirm. They had canceled the new card. I asked of ra replacement. the employee kept insisting that I cancel my current card that was misplaced. I told her numerous times that I did not want it cancelled. She kept insisting that she had to protect me. I finally told her that I had  an IQ tha t qualified me for the   XXXX   XXXX   and I did not need her to advise me on finances. In flagrant disregard for my wishes she cancelled my cards. An did not ship me a new one. I can to pay my bills online now. I can not pay my car rental and can not work. Later Tuesday I spoke with a manger who guaranteed me  1-2  day shipment for a card,. And that it would be here by Thursday. I get notification at  XXXX   XXXX  Wednesday that it has been shipped. I need to pay  XXXX  bill by Friday and I can not do it. I am a   XXXX   XXXX    XXXX  patient and I do not need this stress.   This is t he SECOND Time I ha ve had tis problem.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit information is held by three major companies. Equifax was one such company that has held my records. In XXXX of XXXX thru XXXX of XXXX Equifax servers were compromised and records have been stolen. Checking with Equifax they gave me a vague answer of your records may have been impacted. This is unacceptable, in the healthcare field our records and information MUST be encrypted and can only be transferred back and forth using XXXX XXXX Transfer XXXX. Equifax has held on to my personal information and did not even have basic security set up to prevent information that is stolen from being decrypted. Checking with Equifax they have stated that my information has potentially been compromised. For a resolution I no longer want my information reported to Equifax unless they can effectively demonstrate secure IT and data practices. I am not an IT expert my field is XXXX Compliance but I learned IT basics and implement security at my own home. If any of these three companies is going to hold personal records on me I want data encryption and secure file transfer protocols, up to date IT protocols and up to date cyber security. Instead what I, and anyone else compromised, got was the equivalent of putting my financial information in a sack with a dollar sign on it and walking down XXXXhe street with it to deliver it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Settlement process and costs

Complaint: I recently sold my XXXX residence. I went through the whole closing process on XXXX/XXXX/15. My mortgage company on that loan still shows a payment due XXXX XXXX & still shows a principal balance of {$130000.00}. I usually would n't take this approach this soon in the process, but my mortgage company ( Nationstar ) has XXXX in the past with a lender placed insurance scam. Long story short I have called and been on hold already. The previous experience I spent hours probably days on the phone with Nationstar. There was no resolve until the CFPB got involved. Thank you for the help!

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 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: Old information reappears or never goes away

Complaint: I have an account with XXXX XXXX XXXX that was supposed to be removed. It was removed from my XXXX and XXXX credit report but not my equifax. And according to equifax it was being removed due to inaccurate information. The file attached shows that it was removed on XX/XX/XXXX but it 's still showing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2015 about Credit reporting () with Experian Information Solutions Inc. (RI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Public tax liens that have been investigated and deemed resolved and released, still remain on my credit reports for all XXXX agencies. XXXX for XXXX for the State of Maryland ( paid ) and another for XXXX for the state of Maryland ( Deemed inaccurate ) released XXXX months ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit card or prepaid card (General-purpose prepaid card) with Blackhawk Network Holdings Inc. (FL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I got a {$300.00} prepaid XXXX at a XXXX conference last year. I used it once and I noticed today that the expiration date is XXXX. So according to your web site, https : //www.consumerfinance.gov/ask-cfpb/if-my-prepaid-card-expires-do-i-lose-my-money-en-423/ I should be able to get a new card to use the rest of the balance. 
I called the 800 number on back of the card and they told me that was not possible. That it was expired and could not be renewed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I notified the credit reporting agency that I was a victim of Identity theft and that the account listed on my credit report under public records for a dismissed bankruptcy was inaccurate and incorrect. I sent the credit reporting agency letters from both my tax collector office and the Bankruptcy court the creditor is stating validated this information as proof that this public record was incorrect, inaccurate and should not be on my credit file and the credit reporting agency has refused to furnish information on how they are validating this debt and remove this inaccurate and incorrect information from my credit report. I am now in emotional distress and losing job opportunities due to this inaccurate and incorrect information on my credit report. I did not file a bankruptcy and it does not belong to 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 11/29/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (DC).
Issue: Loan servicing, payments, escrow account

Complaint: My parents and I recently refinanced the mortgage on our house via XXXX XXXX. They sold the FHA loan to Penny Mac. My first payment is due on XX/XX/2016. I logged into Penny Mac on XX/XX/2016, set up an online account with Penny Mac and set a payment date for XX/XX/2016 in the amount of XXXX. XXXX was for additional principal. I logged in on XX/XX/XXXX to see if the payment went through and it still said pending XXXX. I check my bank account on Monday and only the monthly loan cleared and no the extra XXXX. I logged back into Penny Mac and there is no record of my additional payment. I checked my emails and all they say is payment was received and to check their message center. I checked their message center and it only reflected the loan amount and not the extra towards principal. My dad was right beside me when I made the payment in the amount of XXXX. How did it magically drop to the required loan amount only? When i called about this, I was hung up on the first time. It took over 30 minutes to get through the next time and then their rep said it would be a fee. He did n't see the XXXX I put towards principal. I was furious. This is my very first payment with this mortgage company. After requesting a supervisor, he said he could take the extra principal payment over the phone. Since Penny Mac does not email you what you paid including any extra principal, escrow, etc in the email confirmation, nor does their website retain the payment information that you submitted, I asked if I would need to screen shot every payment from here on out. I just read through XXXX negative complaints about Penny Mac and how they mess around with people 's payments. How can a company like this stay in business when its practices are so shady? I should n't have to take all of these extras measures just to pay my loan on time with a little extra going towards principal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Medical) with Broward Adjustment Services (VI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I contacted Broward Adjustment Services ( " BAS '' ) by phone to pay an outstanding debt that is owed to the University XXXX XXXX medical facilities. On XXXX XXXX, 2015, I authorized BAS to withdraw a payment from my checking account in the amount of {$480.00} - to pay the total amount due in full. I was informed that my receipt would be the statement from my bank. In addition to the bank statement, I requested that BAS send me a written notice confirming that the payment was made, and that my account with the collection agency was closed. The representative who I spoke to that day updated by contact information, and confirmed that a confirmation would be mailed to my mailing address. 

On XXXX XXXX, 2015, when I checked my bank account to see whether the payment had been made to BAS or the University XXXX XXXX, I noticed that the {$480.00} was withdrawn from my account. The issue arose when I looked at the check that was written by the agency, and realized that BAS had written the check to be made to " XXXX XXXX XXXX XXXX XXXX. '' This is not the correct payee. 

I contacted BAS today, on XXXX XXXX, 2015, to inform them that they wrote and processed the check by sending the payment to the wrong payee. The representative who I spoke to, XXXX ( Last Name Unknown ), told me that the bank statement was my receipt and refused to provide me with information as to whom the payment had been made. She also refused to send me confirmation in writing that my account was closed, and that the debt had been closed. I explained to her that the statement can not serve as a receipt being that it shows that a payment was made to the wrong party. If the creditor was to seek confirmation of payment from me in the future, I have absolutely nothing that definitively states that the payment was made to BAS, or the University XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation