milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Adding money

Complaint: I have an American Express Serve card. On XXXX XXXX, 2016, I loaded {$120.00} on my card at XXXX. Before the load, I had a XXXX cent balance on the card. After the load, the card balance was XXXX. 

I contacted them to inquire why the load amount did not post. I was told they took their system down for upgrades, and they did not know when the load would post. Twenty-Four hours later, I called again to discuss the problem. I inquired why they would take their system down, but still accept cash loads. I also inquired again when the load would post, and was told they did not know. 

They took a cash load for the card, but did not post the balance on my card. They have not offered a refund or will not give a date if or when the funds will post.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: My credit report was released to several companies without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo foreclose on my home on XXXX XXXX, 2016 without any notification, notice and/or warning. I was not allowed to try to save the home, nor was I notified by regular mail or certified mail. I have been trying to contact the lender and although I have been able to speak to someone, they are being unreasonable. 
I am desperate for someone to assist me with this problem. My lender never assisted with any foreclosure postponement, nor did they do what the government says that a lender should do to provide foreclosure alternatives to me and my family. What they did do was bully me and pressure me to move out of the home.

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 01-10-2016 about Mortgage (VA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX I contacted Homebridge Financ to find out why we had not received our escrow check to pay our XX/XX/XXXX taxes They said they would pay it themselves instead of us paying it They then said they did not receive a tax bill so i faxed to them XX/XX/XXXX i contacted them on XX/XX/XXXX cause taxes still not paid then again XX/XX/XXXX check still not mailed. they then said i signed a paper work stating i for them to pay the taxes for us NOT TRUE. When we were with XXXX our escrow check was always mailed to us by XX/XX/XXXX so that we could pay our taxes within the same year. Someone also indicated to me that as long as our taxes are paid by XX/XX/XXXX you will still be able to file your taxes by XXXX when the check finally arrived it was XX/XX/XXXX it was shown the check was cut on XX/XX/XXXX but the envelope post mark date was XX/XX/XXXX XXXX I was being told numerous of times that it was mailed but it was not we took it upon ourselves to pay our XX/XX/XXXX taxes before XX/XX/XXXX because the check still had not come. The village returned our personal check after receiving the check from HOMEBRIDGE. I am also being told that the surplus from my escrow will not be returned to me because HOMEBRIDGE until XX/XX/XXXX because they are waiting to ensure my property insurance is fully paid up. Every year I pay my property insurance my property insurance is part of my mortgage payment. why are you holding my surplus to draw interest? We want to know how this can be corrected for XX/XX/XXXX and future years we want our escrow check mailed directly to us at our home address post marked no later than XX/XX/XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NV).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: So without any warning, Chase Bank decided to shut down all of my accounts due to the number of accounts opened up in the last year, requests for additional credit and the amount of revolving credit. Even though I have paid all of balances off in full each month and I did so with Chase, XXXX, XXXX, XXXX, and XXXX XXXX and try to maintain a low debt utilization ratio, so that Chase knew that they could trust me with opening up one last business credit card account with them, they decided to approve me for that card in XXXX of XXXX and then shut down all of my accounts literally a month later. My credit score was still in the low 700s and now because Chase did this, my credit score fell so much and they know I deserve to have those accounts reinstated but they do not listen to the simple truth that I am doing my part as a consumer always making payments on time for them and they are without any evidence or proof closing my accounts down? Please explain to me why I should not be upset at this company for giving me false hope by approving me for a business XXXX preferred card in XXXX XXXX, my 6th account with chase, and yes I did apply for a number of chase cards in the same day to combine injuries. I did not know nor did the REP who approved me note that I am being risky, if I knew this would happen, I would have never even asked for any additional credit ( I just wanted to avoid their 5/24 rule by submitting new apps on the same day. I have paid off literally all of my balances and deserve to have my accounts reinstated because that is the right of a consumer who does n't even carry higher than 10 % utilization during my time with CHASE. Please open them back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent TRansunion a letter, along with my ID, in XXXX. They never responded to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: Good evening At XX/XX/2017 after the IRMA Hurricane I just received a letter from Santander Consumer USA my car loans Bank. In this letter they was offering payments extensions to us The Costumers. They havent mentioned nothing about fees, interest and I havent ask because they are offering a help.

They approved an extension for two months. The extension ended XX/XX/2017 and now after 3 payments, they take all the mony for interest, nothing to the principal and my contract was extended 2 month more. Almost {$900.00} on interest, a help that I have to pay to Santander thanks to the Hurricane. 
Is good let you know that Santander Finance me a XXXX XXXX XXXX XXXX at the 25.5 %. a percentage that kill me, and even like that, Ive never been late on my payments. 
Thanks you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (Federal student loan) with Ceannate (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have been calling my work line after I disclosed I can not receive calls at work, they have been calling my sister several times and I did not give them her cell phone. They call me obsessively about 4 times a day. I had to block them from my phone.,

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The Public Record Information that the credit reporting agencies is reporting is inaccurate in its filing. The bankruptcy is dismissed by the Federal Court, a government agency. It is by the Federal Government that the term " Dismissed '' means that it is adjudicated by the law. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization and I have a right to know who " verified ''. The agencies are holding my identity and credit under " Consumer Lock '' for 10 years, I want to know by what law? The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I lost my wallet on the bus about a year ago and someone used my debit card and put a false check and took out cash. I made complaints about it and they sent me to XXXX. I had all my information in my wallet. Besides my social security card. Please help me in solving this issue because I need my debit card back. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My original creditor was Amazon credit card. They sent the debt to collections, XXXX XXXX XXXX XXXX, a corporation ; they hired XXXX XXXX XXXX, who served me with court papers, suing me. I called XXXX XXXX XXXX and settled on {$650.00} to be paid before the XX/XX/XXXX court date. I paid {$400.00} by personal money order bought at my bank, community point bank on XX/XX/XXXX and mailed to XXXX XXXX XXXX. They received itXX/XX/XXXX. OnXX/XX/XXXX, I bought another money order in the amount of {$250.00} and mailed it to XXXX XXXX XXXX. They received itXX/XX/XXXX. I called XXXX XXXX XXXX to make sure they received the last money order. I asked if that settled the law suit and the law suit would be dismissed. The individual I spoke with said that yes, it would be dismissed. Today, XX/XX/XXXX, I received notice from the XXXX County Circuit Clerk that I am still being sued by cavalry spv and for the same case and the new court date is XX/XX/XXXX. XXXX XXXX XXXX records their phone calls. I need help. They lied to me. I am still going to be sued. I 've called XXXX XXXX XXXX many times this evening and left messages. They have not returned my calls. They have late evening hours. I do n't know what to do. They lied. I have no more money. I lost my second job. I ca n't pay anymore.
What can I do?
Thank you

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 02-12-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX calls multiple times throughout the work day, from several different phone numbers, masked sometimes as local numbers and other times not. It is regarding a retail card debt. I have explained over and over to them that I did not make the charge or purchase leading to the debt or unpaid balance. Someone must have fraudulently obtained my card information and used the card. I've asked for them to mail an account statement to me or something showing what these charges are and something official, but have not received anything. They call throughout the work day, every day. I have asked them that if they call, to call towards the end of the work day and not multiple times as it disrupts my ability to work. However, they call several times during day. They threaten to sue me or take legal action and use scare tactics with the unknown consequences of that legal action, and they do not provide written proof of what the debt is specifically or what options I have since I did not make the charges.

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 01/18/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Other transaction problem

Complaint: On XXXX/XXXX/2017 +/- 1 day ( near XXXX eastern US time ) I logged into my Coinbase account after about 18 months of dormancy. I was surprised to see a message that Coinbase was in the process of closing my account and that I needed to transfer any remaining funds to an offsite wallet. I noted that I had the amount of XXXX Bitcoin in my account. There was no explation as to why the account was closing so I assumed it was because I had n't used it for some time. 

I went to XXXX where I have an account and obtained a Bitcoin deposit address that I copied and pasted to the send to box where I wanted the residual Bitcoin funds sent to. I pushed the transfer button and got a message saying the transfer was successful and then another immediately after saying my account was now closed. 

To date, the funds have not been received into my XXXX account. I tried numerous times to contact Coinbase. In one case I was able to speak to a customer support person who told me they would escalate the matter to an accounts payable analyst and confirm that with an email to me. I never received an email or any contact with Coinbase. I also contacted XXXX customer support who said it did n't appear Coinbase ever tranmitted the exchange.

I have screenshots of the address where it was to be sent to. I tried calling Coinbase many times, opened numerous support tickets, all to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which could be no more than a typo. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: To whom it may concern, I try to access a free credit report through this website that advertise that I would be able to obtain my credit score without any cost : XXXX I feel that the credit reporting agencies deceive the user in that once you submit your information and then click to see the credit score Im prompted by their system in that I must pay in order to purchase my free report? I feel this is very unfair and is deceiving. 

Furthermore, the site is so complex and unclear that it is not possible to view the simple task of showing the credit score. 

Thank you for your help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (Auto) with Gotham Collection Services Corp. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company is supposedly collecting on an auto loan which was paid. The company they are collecting for is in the name of Sharon Holding Corp. which I have no idea who this is. They and the attorney have harrassed me in so many ways. They have threatened to garnish my wages, have me arrested and levied upon my bank account before a set court date. They will not supply any paperwork to me regarding this debt after many attempts to have them submitted to 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 01/31/2017 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Payment to acct not credited

Complaint: Applied for a loan, but did n't receive money and lender took money out of my account for a loan they did not fund. 
On XX/XX/2017 I submitted and was approved for an online direct deposit loan for the amount of {$250.00} to be deposited into my personal checking account XXXX XXXX XXXX union. On XX/XX/2017 I called in Cash Central customer service to verify the day the funds would be deposited. I was advised by a representative the loan would deposit on XX/XX/2017. On XX/XX/2017 I checked my account and no monies were deposited by Cash central. I immediately called Cash central and spoke to XXXX separate representative first a man and then a lady and advised him since the money was not sent by cash Central then I request to Rescind my loan. ( Being within the right to rescission time frame ). I was advised they would send an email to their manager and have the loan cancelled. On XX/XX/2017 Cash central withdrew {$250.00} from my bank account causing it to overdraft. I again called Cash central spoke to a rep. and I let her know Cash Central never deposited or funded the loan and that by them pulling the money out of my account was an error. The rep advised that Cash central did send the money to the account and for me to check with my bank. I called my bank and the rep advised there is no record of any deposit from Cash central. I also check my bank statement online and there is no deposit from Cash Central of {$250.00}. I need assistance recouping the {$250.00} Cash central removed from my account and any fees incurred from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I initiated a loan modification XX/XX/XXXX. The process took over nine months to complete. The lender agent advised me that no payment was due during the process and never sent delinquent notices to collect the monthly payments. Upon reviewing my credit report, I discovered that the lender reported my account delinquent for the duration of the review process. After being a customer at Wells Fargo for over 10 years, I would think that they would not compromise my credit rating ; however that is not the case and now I am suffering a lower credit rating due to it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am submitting this complaint about XXXX credit reporting agency as I have been spending months hours and days trying to correct 2 incorrect things on my credit report. Today again I went to re-dispute this information online and the system will not allow me to do so. I received a message that I already disputed this information and they will not re-dispute it for me again. This is completely wrong as they will not correct this issue and it is causing a negative effect on my credit score which in turn is causing me a hardship in obtaining credit. My first complaint is : 1 ) XXXX XXXX XXXX is  reporting as a accounts that are potentially negative. I have contacted corporate office in regards to this information and it has been confirmed with them that this will be deleted off my report. That was months ago. It still is reporting and this information is completely wrong. 2 ) XXXX account was paid in full over 3 years ago and it is still reporting as potentially negative. This should n't even be reporting as negative as I mentioned earlier this was paid in full. The company has since gone out of business so I do not know how they are verifiying this information accurately. This as well should not be reporting on my credit file. This is like a full time job trying to correct wrong information on my credit report. I am being penalized and my credit score is being affected by this. I keep my credit in good standing and pay all my bills. It 's not there credit nor there score. I am furious that I am spending so much time trying to correct this information and have it removed from 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 explanation
Consumer complaint received 08-02-2017 about Mortgage (Conventional home mortgage) with TRUSTMARK CORPORATION (TX).
Issue: Trouble during payment process

Complaint: I did an owner finance with XXXX and XXXX XXXX I was told by Trustmark National Bank to only pay them my mortgage as XXXX XXXX are not to be paid any longer. The XXXX 's and Trustmark are refusing to provide an audit of my payments and payoff of the mortgage. I have provided the contact information of both below. I estimate my payoff to be XXXX EMAIL for XXXX XXXX  XXXX XXXX Cell : XXXX  XXXX XXXX Vice President Trustmark National Bank XXXX XXXX XXXX XXXX, Texas XXXX P : XXXX F : XXXX E : XXXX NMLS # 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