milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2017 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Closing/Cancelling account

Complaint: I have old navy visa card exp. date XXXX used to pay bills with it.they stop the card without giving me a notice which gives me bad credit and they charge me a late fee.I did n't authorize to stop my card and I pay my bill in advance before I received.when I call customer service they told me they sorry.there a payment for XXXX paid on XXXX/XXXX/17 by XXXX XXXX bank they told they received they still asking for 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 monetary relief
Consumer complaint received 01/18/2016 about Student loan (Non-federal student loan) with ACS Education Services (KY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: ACS will not apply my payments equally to each of my loans. When I make a payment by check, they only apply the payment to XXXX loan, and the other remains past due. I then have to call them and go through, what is often, a lengthy, frustrating process, consisting of multiple calls to get the payments applied. I have paid {$1200.00} since XXXX and XXXX of my loans is 65 days past due. I can not get them to apply the payments properly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was raise over XXXX due to an escrow shortage of about {$4000.00}. I told them I could not afford this. I have a modification through XXXX. XXXX sold my mortage to Nation Star.

Company response to consumer: Closed
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have no outstanding debts and have received no written notification that anyone thinks I owe them money. This company has been calling me repeatedly every day using different numbers and never leaves a message so I do n't know who they 're trying to reach or why. Here is a list of the calls to date ( it is now XXXX XXXX on XXXX XXXX ) : XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX  XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Service XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OH).
Issue: Money was not available when promised

Complaint: Hi, I recently wire transferred {$17000.00} to my CoinBase account. This wire took place on the XX/XX/2017. Since then my account has been locked, and CoinBase is  unable to verify my address linked to my account. Without proper verification and completion of the ID quiz, I am unable to buy, sell, or withdraw any money from the platform. I have called multiple times and have been told that " a specialist is working to verify my account '', however it has been a week and the problem is yet to be solved. My money is locked in a limited CoinBase account and can not be withdrew from the platform. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Regarding Case number : XXXX, While currently under review by my lender, I am writing to ask that my ongoing challenges with my lender be both documented and added to the open complaint referenced above. 

With this in mind, I am submitting screenshots XXXX of my accounts that clearly shows the discrepancy in the amount indicated as owed to keep my account current and the amount that the site will allow me to pay when I indicate that I wish to pay the whole sum ( monthly payment ) that is indicated as owed by me. 

In addition, I am also going to upload a copy of the most recent PAST DUE NOTICE that I received from the lender for another of my accounts for the record after both spending an hour on the phone with XXXX their representatives last month to try to verify that they had worked out their difficulties and also being assured that I was going to receive a letter ( that I have still not received ) indicating that they were both assuming responsibility for the errors and were planning to correct their erroneous report to the credit bureaus of " my failure to honor my obligations as agreed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: PLEASE MAKE ''AFNI COLLECTION AGENCY '' TAKE OFF THE " FRAUD BILL '' ( THAT I PAID OFF, & THEY TOLD ME THEY WERE GOING TO TAKE THIS NEGATIVE REPORT OFF OF ALL XXXXCREDIT AGENCIES ... .CONCERNING MY CREDIT REPORTS, ( WITH XXXX, XXXX, XXXX XXXX XXXX ). 

BELOW IS PART OF THE ONGOING CLAIM CONCERNING MY CREDIT REPORT ... ... CONTACT " AFNI '' & MAKE THEM REMOVE ALL FRAUD CONCERNING XXXX XXXX XXXX ( XXXX : ENDING IN XXXX ) ; FROM ALL XXXX ( XXXX ) CREDIT REPORTS OF XXXX XXXX ... .ALSO WRITE XXXX XXXX A PERSONAL LETTER OF SORRY, TO XXXX XXXX, AS THEY LIED TO HIM, AS THEY TOLD XXXX XXXX, THAT ONCE " AFNI '' PAID THIS ( XXXX MOBILE CELL PHONE OFF ) ; THAT " AFNI '' WOULD IN FACT TAKE ANY & ALL NEGATIVE REPORTS OFF OF SAID, ( XXXX XXXX 'S CREDIT REPORT )! 

Also, make sure ALL XXXXCREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). 
I PAID this XXXX XXXX XXXX Mobile Cell Phone XXXX off, via my ''XXXX '', in XXXX 2015 ... .for : $ XXXX. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX ... which they are yet to do. I have filed a Dispute with ''XXXX '', for the above amount. 
Even thou I paid this FRAUD OFF ... .. '' AFNI COLLECTION AGENCY '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX Credit Agencies. I requested ' '' AFNI COLLECTON Agency '' to take this FRAUD OFF OF ALL XXXXCREDIT AGENCIES, & they ''AFNI COLLECTION AGENCY '', has ''NOT '' done this, despite THEM telling me that they would. 
So I would like to file a REPORT on ... .. '' AFNI COLLECTION AGENCY '' ... ... for ''NOT '' doing what they PROMISED me that they would do, ... ..***IF I PAID THIS FRAUD OFF***, THEY LIED TO ME!

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX account is showing late payments on my account from XXXX - XXXX XXXX. This account was charged-off initially and then I Paid it in Full. The account was charge off in XXXX and I 'm not certain why they are showing late payments in XXXX. I also had made settlement arrangements with them for this account, which I paid. As per the settlement agreement they were to notify the credit bureaus that this account has been paid-in-full and have the charge off and late payment status removed from your credit file. I sent a copy of this letter to the XXXX credit bureaus along with proof of settlement payment, etc. The credit bureaus DID NOT UPDATE MY ACCOUNT properly. I 'm in the process of trying to purchase a house and I need to have all my credit information reported correctly. First, the late payments are incorrect, Second, per my settlement agreement the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: submitted a request for a investigation of incorrect information on a account months ago. Still shows as consumers investigation but nothing else, should have been removed from account as of XXXX anyhow.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Rewards

Complaint: Crooked and deceptive Elan credit card still trying to rip off customer. They have found a legal loop hole in order to XXXX the customers who trusted them to be honest in their operations. When i found out these crooks had a work around charging customers interest if they pay off new purchases every month. After they admitted deception and they really have no legal work around they refunded the interest charged. I closed the account to sever ties with the thief 's. The person in customer service failed to tell me that the rewards points earned would be lost. I was NOT informed of this theft of honest earned rewards points. I strongly urge all consumers to stay XXXX away from elan financial as they go out of their way to XXXX the customers over. They have plenty of reptile lawyers to pervert the rule of law to XXXX customers. They are driven by GREED and EVIL INTENT to XXXX the customers any way they can.

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 monetary relief
Consumer complaint received 12-06-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: On XXXX XXXX 2015. the CFPB and Encore Capital Group , owners of Midland Funding LLC entered in a Consent Order. In XXXX XXXX not one judge is honoring this Consent Agreement and lawyers for Midland are still suing not only in the state courts but also in the federal district court in violation of the Agreement. 
What can be done to enforce this ORDER??

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Application processing delay

Complaint: I received a mail offer to open a new credit card from Fifth Third Bank, XXXX, OH. I submitted an online application in XXXX. I received a letter dated XXXX/XXXX/2015 from the bank, asking for a copy of my Social Security Card. I sent a copy of my Social Security Card by First Class mail, within 30 days as required in the letter. 

As I received no response from the bank for several days, I called their customer service center and was told that they have received the required document from me and were processing the application. I was told that I would receive a response within a week. 

Again, there was no communication from the bank for almost a month. I called the customer service number again on XXXX/XXXX/2015, and was told that my application was rejected as the bank received the required document after 30 days from the date of request. However, previously, they had confirmed that the document was received and the application was being processed. 

I find it disturbing that Fifth Third bank did not inform me about their decision. I had submitted my personal financial details and a copy of my social security card. I would n't have known if they had issued a card and someone else had received it, and started using it. I had to call repeatedly to know the status.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Consumer Loan (Vehicle lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (NY).
Issue: Managing the loan or lease

Complaint: I leased a new vehicle which was financed through GM Financial. My first payment was due XXXX/XXXX/XXXX. 

I attempted to set up electronic transfer from my bank to GM, but GM financial was not set up to accept this payment method. So I had my bank issue a paper check with guaranteed payment to GM by XXXX/XXXX/XXXX. Payment was being sent from XXXX XXXX to XXXX XXXX. 

On XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX I checked with GM to XXXX my payment had still not posted. I was going to stop payment but GM told me if my payment would present they would have to charge me a return fee. They suggested I make another payment direct with them. So to avoid any late fees or dings on my credit or the possibility my payment was lost on XXXX/XXXX/XXXX I made another payment. 

On the XXXX/XXXX/XXXX statement it appears both payments posted. However the statement does n't reflect any posting dates for either transactions! I checked with my bank and the original payment sent on XXXX/XXXX/XXXX cleared my bank on XXXX/XXXX/XXXX. This was 18 days after it was sent to GM. 

The fact that it takes over 10 days for GM to process a payment is unacceptable. In addition a statement that reflects no posting dates is also unacceptable. Having been XXXX for 43 years I know there are guidelines regarding these issues. 

I wrote to GM via a survey they sent me on XXXX/XXXX/XXXX outlining these concerns. I did receive a prompt return message to contact them at XXXX. I tried call this number several times. It rings once then there is dead air. 

Can you please look into the above issues. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Debt collection (Credit card) with Colony Brands, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Credit card protection / Debt protection

Complaint: Some one opened up a account with Capital One in my name. I have been getting bills in the mail. I have seen the bills but there are no charges except for yearly charges and past due charges. I never applied for this card and I do not want to get stuck with these charges I am afraid that who ever opened this account up will run up a billView your statement online. 


Visit Capital One Sign in to your account Check out your XXXX 2015 statementView your statement online About your account ending in XXXX XXXX XXXX, The XXXX 2015 statement for your Capital One ( R ) credit card is ready -- just sign in to view your statement online. 


Statement balance : $ XXXXMinimum payment : $ XXXXPayment due date : XX/XX/2015by XXXX ET You can view your transaction details online, manage your account, or make a payment. 

Thanks for choosing Capital One. 


View transactionsMake a payment There is a basic version of this statement notification email available. If you want to switch notification versions, sign in to your account and select Security Alerts. 

Did you know? We need up-to-date income information to consider you for future credit line increases. Update your income now.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Someone opened a comcast cable bill in my name. They some how got a hold of my social sersurity number and there are asking for {$1000.00} in false debt charges.!! Southwest Credit Collection in XXXX XXXX .is at XXXX 
Spoke with " supervisor : XXXX XXXX, and Ijust get transferred to a " voice mail acconut and know one retiuns my call?? ( XXXX }, has then listed as being " OUT OF BUSINESS ''. 
GOTO THIS SITE FOR MORE INFO XXXX ( cut and paste into search ) XXXX Support number is : XXXX. In order to get a copy of the false contact I would have to go to " XXXX XXXX XXXX " to pick one up? 
That would take my hours at a cost of around {$40.00}. 

My XXXX Bank Statement has ne " using my debit card three ( 3 ) times, on the date this Account was opened.Hmm ... .Can not be at XXXX place at once!!! 

Please " publish this, for the public to read. '' Copies XXXX b mailed out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Billing disputes

Complaint: On vacation, calling from our car, I used our credit card to book a hotel room by phone through XXXX. My wife was looking at the website on her tablet. The XXXX page states the XXXX following reassurances : " And there are absolutely no booking fees. '' and on the lower left " Best Rate Guarantee ''. I was told during that call that the total was {$99.00} and that I would need to pay the separate {$15.00} pet fee at the XXXX motel. Upon paying that fee with our XXXX at checkout I asked for a receipt and was provided with the attached. It shows the room rate paid of {$82.00} on a XXXX ending in XXXX. This is not our card, but apparently that of the booking agent. Further, the XXXX WA address provided is not our address, but belongs with that booking agent card. Despite the no fee claim on the XXXX website, they have collected a hefty fee of over {$15.00}. Also, we interpreted Best Rate Guarantee to mean that a discount rate would be extended, such as auto club. In fact the {$99.00} represents a full price. We did not realize until too late that the terms of the Best Price Guarantee are limited to catching them within XXXX hours. XXXX is misleading and defrauding thousands of people each day since so many of us travel with our pets. Once home I contacted my XXXX card bank to dispute the fee portion only to be told by the Chase representative that XXXX " did provide a service ''. I was connected with a representative from XXXX and no resolution was achieved. I called Chase Bank again and asked to file a written dispute and was told by Chase Bank that no forms would be mailed. In addition to XXXX 's deception, Chase Bank is denying me my right to dispute a fraudulent charge amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: Dear Sir/Madam, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at XXXX Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 ( XXXX XXXX ), XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain, in a public forum, why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed via HTTP or HTTPS, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.

Company response to consumer: Closed
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX ,   XXXX  ,  Hunter-Walfield Inc   XXXX   XXXX   XXXX   XXXX   XXXX  Florida  XXXX  placed a debt on my   XXXX   credit file.     I, was notified by  XXXX  of this action by  Hunter-Walfield Inc  on  XXXX   XXXX ,   XXXX  .     On  XXXX   XXXX ,   XXXX   I spoke with Hunter-Walfield and according to them they placed this debt on my file because my name is the same as a debtor from  XXXX  Florida.     They also informed me that they did not have any personal information on the debtor from the creditor. No!   SS #   or    Date o  f Birth  ,  just a name.      Hunter-Walfield Inc  never reached out to me, before taking this action against me.     They are blindly posting debt to my credit file. This type of action needs to stop!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: i was trying to dispute something online and was sent to a link that my computer said that it was unsecured. there are fraudulent company 's saying they are the major credit unions and asking for sensitive information. and when i  called the number on the website 3 separate time it put me on a line with someone who does n't even speak English. How can the major credit unoions have customer reps that dont speak very good english and the fisrt thi ng they ask for is your social security number to start. thanks

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 11/14/2016 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Over the weekend, I received alerts that a new collection account was added to both my XXXX and XXXX credit profiles. When I checked the alerts, it showed that MIDWEST RECOVERY SYSTEMS had added the collection account but I never received any notification concerning this, which I believe is illegal.

Company response to consumer: Closed with explanation