milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am writing about American Express Business Platinum card. I called Amex on this number XXXX to asked for a retention offer on XX/XX/2018. After looking into my three-year account history, the representative offered me two retention offer. One is getting XXXX Amex rewards points without spending requirement and another is a higher offer with spending requirement. When I asked him to repeat the offers again so that I can write them down to consider, the offer became getting XXXX Amex rewards points without spending requirement. I pointed it out that my offer was XXXX amex points 5 seconds ago. He simply said he read it wrong at the first time. The best he can offer is XXXX amex points without spending requirement. I asked to speak to a manager. He said he is the manager and this is the best retention I can get. I asked to speak to another manager. He insisted there are no other managers around at that time ( it was around XXXX XXXX EST ). I  ended up believing what he told me. Reflecting on our conversion, I am very uncomfortable, dissatisfied and angry with the customer service I received. Obviously, he was lying to me and took advantage of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This is not my bill. I am disputing the experian credit bureau to remove this 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 02-06-2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Wrong amount charged or received

Complaint: I made a payment of {$100.00} to XXXX ( email : XXXX ). 
I was trying to send {$10.00} but made an error in the amount. I have contacted him, but he does not reply.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: I have a Bank of America account. Recently during the last XXXX months I 've had to reorder a new bank card XXXX times. I have not received any of the last XXXX cards that were mailed to me. When I called b of a they said they see that someone has used my account in a different state. The b of a worker on phone was confused as to what 's going on with my account and while I was on hold I was disconnected. Then I was informed that I was kicked off of my online banking. I have no id a what is going on with my money and ca n't get any information on anything except I keep getting these overdraft postcards in the mail. I. Keep being informed of a bounced or cashed check that has nothing to do with me. XXXX keeps sending me bills that say payment was not made. XXXX also has turned my power off due to a pay, net that did not go through and should have. I had to come up with a large amount of money to turn my power back on. I continue to only get all these white cards of fees that I owe for things I did not do. I ca n't call b of a because I no longer have a bank card number, I am kicked off of online banking and I do n't know what 's going on. I 'm a widow with XXXX little kids. My son just had XXXX XXXX. I sell very little on XXXX to make a little extra money that 's is only reason I have my b of a account. I am robbed of my money and have been charged tons of fees everywhere because of b of a and they are the ones that informed me that someone has fraud in my account! I need help and b of a is taking my kids money!

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 12/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CT).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX of this year I sent a wire tranfer worth {$20000.00} USD to coinbase to their account in XXXX XXXX XXXX to an account under my name. Coinbase confirmed through email that they recieived it and said as the wire wasnt send from an account under my name that they have reversed it ( I sent it from my business account ). Unfortunately my bank never received those funds back and coinbase just doesnt answer with any solution, they just say they are " working on it '', but dont give me a confirmation of the reversed wire or any documentation that support that indeed they reversed those funds. It has been almost 3 months about this, and I still havent seen any solution. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Student loan (Private student loan) with SLM CORPORATION (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I went through a financial hardship and tried to make a payment plan. Sallie Mae would not work with me. I would answer their calls and try to do partial payments until I was caught up. I was told I would have to make a full payment. I fell behind on payments as I tried to make the monthly payments and was told that I wouldn't be able to refinance and that I would have to pay for the full amount owed or they would send my loan in collections. I basically had to try to pay it back down or owe the full amount of the loan. I told them it was utterly impossible and they did not work with me. Deferment was not discussed with me. 

Also, they called my employer multiple times asking for me, three times after I told them to not use my work phone number as it could get me fired and then I couldn't pay them. Most of the representatives were rude and demeaning, even to the point of getting loud with me. 

The employees went as far to call my father ( who is not even on the loan ) and discussed personal information on the loan- which is illegal to discuss details on a loan to someone who is not a borrower. The employee even told my father that he was responsible to the payment on the loan and had to pay to make it current. My father knew he was not on the loan so he told them to discuss it with me and then he called to tell me what was said. They continued to harass him so I had to remove the number as one if my contact numbers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have been sick with XXXX XXXX for 2 aND 1/2 years. I was forced to leave my job ( I was terminated when I applied for another leave ... ). I needed more XXXX. 
My mortgage is serviced by Ditech Financial and I am being harassed and threatened by the account rep working on my account. 
" XXXX XXXX '' aka XXXX is that account rep. 
She calls everyday and tells me that I am refusing to talk to them. In the same conversation she will ask the same questions. " But you wo n't tell us what your intentions are. '' I called customer service, explained the situation and requested a new account rep. I was told that, " i'Ve never seen that happen since I 've been here. '' No change was made and I continue to be subjected to these rude and abusive collection techniques. I am waiting for Soc Security XXXX and a XXXX XXXX payment which will be monthly, but XXXX tells me that " I just need to graciously exit the house because I ca n't pay for it. '' I am behind in my payments - I was unable to make my XX/XX/XXXX and XX/XX/XXXX payment and I am less than 60 days late. 
When i'Ve spoken to XXXX , she says that I refuse to give them information ( as I answer their questions ). I refuse to take her calls - she called today and left a message, " XXXX XXXX - we have n't heard anything from you ... '' I'Ve been in this house for 13 years. I never paid late. I have a serious illness - I am not a dead beat. 
There are so many complaints i 'm reading about this company and XXXX talks to me as if I deserve to be treated like a XXXX. I do n't! I need help - now. I 'm asking to be treated according to the boundaries set up as acceptable collection practices. Please!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (FHA mortgage) with HOMESTAR FINANCIAL CORPORATION (GA).
Issue: Credit decision / Underwriting

Complaint: XXXX contacted the seller of the home I was buying and started dealing with him instead of me. He gave the seller a copy of the appraisal that I bought, he also told him that even if he signed extension agreement for repairs, he did not have to make those repairs if FHA did n't require it ( which the appraisal company he hired did not list one repair on the appraisal ). When I contacted XXXX about communicating with the seller, he got very upset and also lied. My agent and I signed another extension agreement to extend the closing date on XXXX. XXXX called the seller and told him that he could close it on XX/XX/XXXX and the automatic 7-day extension was n't necessary. That caused a lot of unnecessary back and forth between me and the seller when it came to agreeing on a date. And we did n't close on XX/XX/XXXX, we ended up closing on XX/XX/XXXX anyway. XXXX told me and my agent I was pre-approved, but towards the end of the process underwriting needed a copy of my tax return transcript. How was I pre-approved without that? My down payment ended up being more than the required 3.5 %, because he got my loan approved at 95.9 % and never told me. I found out in my closing disclosure. XXXX was supposed to be representing me but instead he decided to communicate with the seller and keep him updated on the process while I had to find out later from my agent or the loan processor.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i paid this account in full recipt XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My name is XXXX XXXX, and I am disputing a debt through HUD, that I feel OCWEN is responsible for. I have attempted to contact OCWEN and HUD many times. I am in the process of disputing this loan through the treasury department. When the property was sold, the attorney, XXXX XXXX was provided one loan number through OCWEN and I was never notified that an additional payment was due. I was never contacted by HUD representative during the time I owned the property. I feel that I am a victim of predatory lending and in immediate need of assistance as the next steps are garnishing wages. Please contact me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Checking or savings account (Other banking product or service) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: Company stated that they could not really help me close the account. I do not want to do business with capi tal One  anymore. I want the bank to close my sharebuilder account per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: APR or interest rate

Complaint: Bank increased my interest rate far beyond my ability to pay despite a spotless credit history. Though I do not know the legal definitions of USURY and I must assume that the bank is operating within the confines of the law, the spirit of the law has been clearly broken since the practice is purely predatory and without provocation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This company is located in XXXX, XXXX. They keep calling me from a number XXXX, which is an XXXX, XXXX area code, and where they do NOT have an office. I have dealings in XXXX, so I answer it. This is very deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I tried to get an auto loan and SageStream reports my credit score at almost half of other credit info services. I tried to go online to get a copy of my report to see why but they require copies of my original ID, SS # and I do n't want to put that out there. They do not offer an easy access to my information online so I can see and dispute its accuracy. But mostly I never heard of these people before and my score is only low with them so I am concerned they do not know what they are doing and they are ruining my credit reputation out of their incompetence.

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 02/27/2017 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MN).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my payment and was n't able to pay on time. I called in to make the payment before it fell into foreclosure. They refused the payment insisted i needed to pay 1 and a half payments in order to process. I asked how I was supposed to pay them before the first. ( its the XXXX of XXXX ) ( soonest i could borrow from a family member to catch up ) ( ex fell behind on his settlement due to his work situation changing. ) She said I was able to mail it in. Or do XXXX. She gave me vague instructions for XXXX seeings there was no way possible for the pymt to get there in 1 day thru the mail. After several calls to XXXX XXXX I discovered pymt was to be made thru XXXX by doing some research online. I the successfully made the payment thru XXXX. If this posts online for those of you who have had the same problem and are reading this it is CARRINGTON MORTGAGE HOLDINGS LLC on XXXX. The payment has to be credit card. They charge a fee but posts same day. The lady said it would take XXXX hrs for XXXX to post. Caused great panic for me. I feel they give you no option that is feasible. They almost force you into foreclosure. The other thing that bothered me was that in order to post the one payment they were able to only if I could authorize them to auto draft the other 2 pymts in a week to my acct. Who does that. If I am behind I certainly cant afford the pymt to post without any money in my acct. It was rude for them to not accept the pymt and force me to pay it thru an outside source. I feel they should change this and compensate me for the distress it caused me. I have panic attacks and this affects my daily living. this was not an easy thing for me. The state or government should mandate that they have to accept pymt just like a bank. After 90 days they need payment in full no partial months. They force people into foreclosure at that point. Its very unfair and needs to be addressed. I will be posting this incident online for others to read and hopefully we can get something changed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Names and addresses that are not mine and or 1stincorrect on Experian are as follows ; Names ;   XXXX   XXXX  - Never used this name ID #  XXXX    XXXX   XXXX  - Never used this name ID #   XXXX    Addresses ; *  XXXX   XXXX   XXXX    XXXX  Ca   XXXX   Multi family ID #  XXXX  *  XXXX   XXXX   XXXX     XXXX   Single family ID #   XXXX    *  XXXX   XXXX   XXXX   XXXX    XXXX  Ca  XXXX  Multi family ID #  XXXX  *  XXXX   XXXX   XXXX    XXXX  Il   XXXX   XXXX   Single family ID #   XXXX   1  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  Il .  XXXX  single family ID #  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 non-monetary relief
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX sent me a XXXX XXXX   debt discharged in the amount of {$2000.00} in XX/XX/2015. However they have reported this account to Equifax, XXXX, and XXXX as Opened account more than 180 days late the amount being {$3300.00}. I have written all three credit agencies and I have sent them copies of the IRS form but they will not report this accurately. I now have a Compliance Condition Code placed on the credit reports and have been told in writing that this code will not be taken off until I agree that the information is being reported accurately. I have had hundreds of credit accounts in my 48 years of life and I have not ever been threatened to say something that is fraudulent and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The following inquiries ( # XXXX ) do not belong to me and I have for years tried with no success or response from creditors regarding these unknown inquiries. At the same time I have for many years advised Equifax the same but Equifax refuses to remove. I need help in getting this taken care of immediately. 

1. XXXX dated XXXX. XXXX XXXX dated XXXX. Equifax XXXX dated XXXX ( This is mine, however needs to be deleted )

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: For many years prior to my divorce, and during my separation, I 've made timely, monthly mortgage payments. My ex-husband XXXX XXXX XXXX XXXX held the Mortgage note : property address XXXX XXXX, XXXX XXXX XXXX. XXXX with Wells Fargo. He relinquished the home through bankruptcy and subsequently through the divorce on XX/XX/XXXX. ( divorce index XXXX ) I also filed for bankruptcy keeping the home and a loan assumption through the United States Bankruptcy court of XXXX District of XXXX in XX/XX/XXXX and was granted the approval allowing me to assume the mortgage note however, my name still does not appear on the mortgage statement as of date. ( case XXXX ) Adding insult to injury, through the United States Postal Services , XXXX had my mortgage statement ordered by U.S bankruptcy for which I 've been paying for over nine years by myself redirected to his house in XXXX . ( Please see at attachment ) My FICO score has suffered tremendously. I 've made all possible attempts through the courts to regain my statue creditably.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Medical) with Finance System of Toledo, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Hello, I bought furniture last year from a company thru Wells Fargo credit card. I been trying to pay off what I can every month. However my mother got sick and I cant make the min payment at this point. I been trying to see what can I do.

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 06/14/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MA).
Issue: Problems when you are unable to pay

Complaint: I went to the XXXX and he told me to put it through care credit, I was paying the XXXX every month but after a few month I noticed the bill was not going down. 
they charged me XXXX in intrest the first month, I contacted theXXXX in florida and told them what a rip off, to date after 2 years of paying my bill was XXXX and is now XXXX thy charge me XXXX every month. this month I had a medical emergency and could not pay them, well the phone calls dont stop and they would not work with me. I told them I would catch up this month, but they did not want to hear that. 
I am XXXX years old and I and harrased every day by them, I am not going to send them any more money I feel like I am draged through the mud with these people they are hartless and monsters. 
thank you, XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with monetary relief