milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2016 about Bank account or service (Checking account) with KEYCORP (OH).
Issue: Using a debit or ATM card

Complaint: This is in regards to my previous complaint with Key Bank regarding transactions from XXXX. You keep denying my complaint because you say I made a phone call authorizing the transactions. I NEVER MADE A PHONE CALL TO YOU!!! First of all, I 'm deaf and the only way I could have called you is on a relay service. Secondly, I never use relay services because they 're not user-friendly in my opinion. That 's why I only use text to talk with people. Much easier. 

I really am shocked that you 're making a horrible situation worse by being so difficult. 

Also, I 've been doing a lot research on this so called company. It 's not too difficult to see this is just a scam. Do a XXXX search on XXXX and the first thing that pops up is XXXX scam!!! They 're an illegal entity. They 're supposedly a stock broker of some sort but they 're not registered anywhere. I urge you to contact the SEC at XXXX or the CFTC at XXXX. They will both tell you the same thing I just did. So based on this alone, the charges from XXXX should be null and void. They should never have been able to go through in the first place!

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Credit card protection / Debt protection

Complaint: I ordered a Supplement thru a company called XXXX that was offering a vitamin for {$5.00} trial time. I ordered the supplement using my Capital One Card. The next month I saw a charge for XXXX on my card and hit the roof. I called Capital One and told them I did not authorize this charge. They cancelled the card and sent me another one, with a new account number. Next month I saw another charge for the same amount. I hit the roof and called and capital One again complaining. I asked how they received my new card number and charged my account without my authorization. Capital one told me " XXXX Has An Agreement With MasterCard to Allow Them To Do This '' I told them I wanted the account suspended and no more charges to be authorized on it. I was hung up and then placed on hold for 2 1/2 hours for asking to speak with a manager. After, getting even more angry. They have added another charge for the same thing this month of over XXXX. It was called a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: XX/XX/XXXX I got a letter sent by Wells Fargo XXXX XXXX. Offer to me a saving of 40 % off of my balance and if I do not accept they with a many scare action if I am not agree. This is the first time that the send me the letter in English and Spanish ( attachment 1 ). 

In XXXX XXXX, XXXX. I sent a letter to XXXX XXXX a Research Remediation Analyst asking to pay in full my account {$2.00} XXXX. She refuses ( attachment 2 ) XXXX XXXX, XXXX. I submit a complaint with Consumer Financial Protection Bureau. 

XXXX XXXX, XXXX I got a letter from XXXX XXXX ( Reserarch Remediation Analyst ) answers my complain with Wells Fargo National Bank. In the paragraph number 3 indicate ( quote ) Your minimal payment amount was set up base off the amount of the total purchase and length of your promotion ( attachment 3 ) My minimal payment was set up for Wells Fargo National Bank and it was {$300.00}.
The total amount that I got from Wells Fargo National Bank {$8800.00} it was for SPECIAL HOME PROJECT  PROGRAM with 0 % interest to change my windows with XXXX XXXX XXXX contractor License # XXXX. 

I stated mi payment in XXXX XXXX, XXXX and end XXXX XXXX, XXXX. This correspond to 29 months. 

29 months X XXXX = {$8900.00} XXXX XXXX, XXXX. I sent a letter to XXXX XXXX let him know that I sent my last payment to pay in full the amount of money that Wells Fargo National Bank pay to XXXX XXXX XXXX ( attachment 4 ). 

Now I got this scarring letter in English and SPANISH when I pay already in full my account. 

XXXX XXXX. I want to pay in full my account with Wells Fargo National Bank and it was not accepting. Why now are sending this letter when I try very hard to negotiate XXXX XXXX Consumer Affair help me through XXXX XXXX No of case XXXX. However, Wells Fargo National Bank ignore and kind of negotiations.
In conclusion, I pay in full my account with Fargo National Bank and I should not get this kind of letters.

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: Credit report from  XXXX  and   XXXX   showed an account from  XXXX   XXXX  that is NOT mine. The account was deliquent and affecting my credit. Could not open a bank account. I disputed it over 45 days ago and got an email from  XXXX  stating it was deleted. I tried opening a secured credit card with  XXXX   XXXX  but got denied because of the misinformation from credit bureaus stating that i have deliquent account which is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My identity was reported stolen to all credit bureaus in 2013 and the police record is on my file. PayPal credit has been continuously calling my phone about a debt I never owed and I have asked them to stop but they said the debt belongs to me. I also asked them to send me Documentations with my signatures on them but they have n't done so. Instead they 're asking me for a police report and I told them it is on my credit report and I will not file another one again. They have been calling me everyday from XXXX in the morning to late evenings. This is becoming unbearable and they 're harassing me. The number they 're calling from is XXXX. My number is also on DO NOT CALL REGISTRY.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (PA).
Issue: Account opening, closing, or management

Complaint: In XXXX 2016, my computer crashed and deleted all my business ' financial data for the previous year. I asked my bank BBT to provide me with my banking history in electronic format for that period. However, they have stated that they can not provide me with the historical data prior to XXXX 2016 when BBT purchased XXXX XXXX bank. The data *MUST* be somewhere accessible electronically, but they will not provide me with the information to access my financial history.

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 08/19/2017 about Mortgage (Other type of mortgage) with Servis One, Inc. (VA).
Issue: Trouble during payment process

Complaint: Received a loan through XXXX XXXX XXXX, who in turn hired BSI Financial to service it. XXXX properties, XXXX loan. The servicer has repeatedly demanded I pay insurance on the properties even though premiums were collected a year in advance at the time the loan was made. XXXX is again threatening force-placement, and repeated attempts by my rep at XXXX XXXX to correct the issue have not yielded results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Prepaid card (ID prepaid card) with NETSPEND CORPORATION (TX).
Issue: Fraud or scam

Complaint: I received a NetSpend prepaid master card in the mail today, which I did not request.In their disclosure they admit that they received my name & address because I indicated interest in offers similar to this and not in response to an application. They are lying because I have not expresses an interest in a prepaid card. I have a real credit card and a Bank that I have dealt with over 30 years. 

This madness started when I was doing a job search on a site for XXXX about a month ago. I immediately started receiving tons of spam by email & telephone.. NetSpend said to opt out of this offer & future mailings to call XXXX or if you want to activate it call XXXX. I called the number to opt out, expecting to speak to a live Rep but it was not to be. The automated line stated to press option XXXX to opt out & asked for the card number. After entering that info, it requested that you hold on until they activate the card?? I hung up before the next message came on.This is on the opt out line. This is nothing but a scam because I did not request or need this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I discontinued service with XXXX and they pressured me into holding onto their equipment for no-charge. I told them I 'd consider service again at some point, but I was already under contract with XXXX. They called me constantly about their " deals ''. I repeated numerous times that I would consider their service again once I was out of contract with XXXX and they stated they would n't charge me anything for the equipment. I told them I would immediately send the equipment back if I would be charged any kind of fees. This went on for months without a problem. They assured me that I would n't be charged. Then I started getting miniature charges of {$6.00} here or there. I told them I would send the equipment back and they kept billing me for " maintenance '' fees on the account even though I was no longer under contract for TV service. Apparently there 's a debt of {$21.00} for needing to " service '' my account even though I did n't have TV service with them anymore. I owe them nothing, but they have turned it over to a collection agency called Stellar Recovery Inc .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PHH Mortgage Services Corporation (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I am a first home buyer. I brought the house 2006. The mortgage lender falsely stated I made a higher income in order to qualify me for XXXX mortgages with rate 6 %. I could not keep the payment close to XXXX because I had XXXX. I asked them for a loan modification. I mailed my loan modification package to PHH mortgage. I called my case manager, she said she did n't received it. Instead my house is on foreclosure. As a first buyer, the Real Estate Agent should explain to me the risk to accept the XXXX mortgages plus the other bills to pay. I maintained my payment for 8 years each month never late. Before buying a house people should know about property taxes, home insurance, oil tank where is located etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried several times now to get my credit report from Equifax and they keep refusing to let me see it online. I was able to get the other XXXX, XXXX and XXXX, so I do n't understand what the problem is with Equifax. I understand I should be able to get a free report annually, which is what I am trying to do. This is not right or fair, so I would appreciate your help. 
Thank you,

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have already submitted complaints about my credit scores dropping for no good reason to XXXX and equifax. My reports clearly show that my payments are 100 % on time with no derogatory marks. This is a form of corruption that has to stop with these reporting agencies. are they working in cahoots with the insurance companies to make you pay higher premiums? It is good to know that president trump has gotten rid of your former CEO. He was no help with these issues at all. I will file a law suit against equifax and XXXX if they do not put my credit scores back to where they belong.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Medical) with COLLECTION SERVICES OF ATHENS, INC. (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: They will not provide me proper documentation to of debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I requested to have loans discharged due to my forner institutions kicking me out due to an partial investigation conducted after they intervened in an unethical manner

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Settlement process and costs

Complaint: My loan with Nation Star has been going through a Deed in Lieu process for almost ten months now. I just singed the closing documents. for the address located at XXXX XXXX XXXX XXXX, TN XXXX. My credit report is showing that their are eleven missed payments. This needs to be corrected on my credit report immediately. Also, I keep trying to contact XXXX XXXX at Nation Star XXXX loan number XXXX she will not return any of my phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am concerned that medical bills are on my credit report. I was fully insured when these bills were sent to Transunion. I was informed by another credit agency that the hospital was n't suppose to submit these bills to a credit agency if I had insurance at rhea time of treatment. I submitted a dispute XXXX XXXX, 2015 stating that fact and was informed that the items would remain. 
There is a concerted effort among the XXXX CRAs to always have at least XXXX agency to keep the negative info on file. XXXX will delete info but always XXXX will retain the derogatory info. This to me is a form of collusion and should be investigated. The new mandate from the ruling of the Affordable Care Act has made it illegal to report medical bills to CRAs if the individual was fully insured when the hospital visit occurred. 
Please help to correct this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AK).
Issue: Money was not available when promised

Complaint: Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have dispute this account as not mine to Transunion, but they have not removed the account. This account from XXXX XXXX XXXX is not mine nor do I have any knowledge of the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2016 about Bank account or service (Other bank product/service) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Account opening, closing, or management

Complaint: COMPLAINT TO CONSUMER This complain is against PORTFOLIO SERVICING due refusal to disclosed information regarding the supposed Investors of the fraudulent Mortgage Account # XXXX, Property : XXXX Fl XXXX. Select Portfolio Servicing falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : SELECT PORFOLIO SERVICING XXXX, UT XXXX Ref. : Select Portfolio Servicing Acc # XXXX Property : XXXX Fl XXXX NOTICE TO DISCLOSE INVESTORS INFORMATION The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request Select Portfolio Servicing, Inc., to produce/disclose the following information : 1. Release Name and Headquarter Address of the supposed Investor of the Mortgage Acc # XXXX. 
2. Release XXXX BANK, XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX on XX/XX/XXXX. 
3. Release, but not limited, any assignment officially recorded by XXXX. to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX and XXXX. 

Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. 

XXXX, Fl XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: complaint against Citimortgage , Inc who refused to give me a fair appeal process after loan modification denial. Citimortgage sent notification to me on XXXX/XXXX/16 stating all foreclosure activity would be stopped until determination was made on my loan modification request. Short Sale was scheduled for XXXX/XXXX/16. No call nor notification was received from Citimortgage, nor my Citi mortgage rep, Nor Citi 's lawyer to state the short sale was stopped. My personal rep kept calling Citimortgage for 3 days with no avail ; finally, on XXXX/XXXX/16 after calling Citi for XXXX hours she finally spoke to a manager to ask about the stop of the short sale, noone could give and answer. I had to take a day off from work to personally go to the sheriff dept to adjourn the short sale on XXXX/XXXX/16. Later, my rep got another manager who said the loan modification was denied. My personal rep requested the denial letter and the terms for the appeal process. She was told the denial was not generated from the system as yet and noone know what the letter states. We had to wait for the denial letter. She made an appointment to speak with the Citi rep handling my file who took 2 days to have a phone conversation in regards to a sensitive matter. On XXXX/XXXX/16 my personal rep spoke to my citi rep who would not give a reason for the denial, since the denial letter had not been received. She also request the appeal process guideline requirements and questioned Citi as to why the short sale wasnt stopped during the review process. She was simple told the Citi will not stop the sale. The same evening of XXXX/XXXX/16 my Citi mortgage assistant rep XXXX XXXX sent me an email ( after normal business hours ) requesting additional documentation, pay stubs, etc, to be submitted to the underwriters because of the impending sale date. I was asked to upload all requested documents to my file by XXXX/XXXX/16. Giving only a few hours to turn in documents for a appeal. The original denial letter was now received on XXXX/XXXX/16 which states my income wasnt enough to modify. However, the income stated as documented was only XXXX of my actual income and my rental income was n't considered.. On XXXX/XXXX/16 I received a letter dated XXXX/XXXX/16 saying all my documents are in review. I 'm not sure if the letter is based on the new documents requested in the unfair appeal timeline or an generically generated letter. This has been an extremely extremely stressful process with Citimortgage and their process that cause undue stress on me and my family..

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