milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2015 about Prepaid card (General purpose card) with NETSPEND CORPORATION (TX).
Issue: Managing, opening, or closing account

Complaint: I was given a {$40.00} prepaid card from NetSpend. This was a gift from a friend. I tried to activate the card online and was told I could not and to call the toll-free number on the card. The first time I called, the rep asked me some questions and said the card was activated. 

I tried to make an online purchase ( making sure to include the fees NetSpend would charge ) and it would not approve. 

I then got a voicemail from someone at NetSpend to call back and give them a reference number to finish setting up my account. When I called, the rep who answered seemed to have no idea what I was talking about and said he needed to transfer me to a " special department. '' When he did, I was dumped directly into a voicemail of someone in the legal department who handles subpoenas???? 

I called a 3rd time and another rep answered -- she went through the same drill and said she had to transfer me to a " special department. '' She refused to give me the name of the department or their direct number. I was transferred and sat on hold for 15 minutes before hanging up. 

I called a 4th time and another rep answered -- I explained to him what was going on. When he asked me again for my name and last XXXX of my SS #, I asked him why did that matter because they would n't have my information if I did n't have an account. He said he had to take this info to set up the account, but once again told me I needed to speak to the " special department. '' He said he would wait until he reached someone before transferring me. I have now been on hold for 23 minutes and will hang up at 25 if no one answers. 

At this point, NetSpend needs to be ordered to refund my friend 's purchase.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a divorced man who has a mortgage with Wells Fargo. I am the only mortgagee, with insurance through XXXX XXXX. 
Last XXXX my ex-wife opened a XXXX property insurance policy through XXXX without my approval nor permission. I am not on the XXXX policy, and ex-wife is not on mortgage. XXXX apparently presented Wells Fargo with a request for payment, and Wells Fargo paid them {$910.00} from my escrow account. I found out a month or XXXX later when checking on mortgage account. 
When I confronted Wells Fargo, they refused to accept responsibility and blamed XXXX. I reminded Wells Fargo they had a fiduciary responsibility to safeguard my escrow funds from intentional or accidental access from those without legal reasons. Wells Fargo acknowledged on phone they paid XXXX based on electronic request, but wont provide me proof of this. Wells Fargo refused to refund the money they gave XXXX. XXXX eventually cancelled policy BUT did n't return funds to escrow. And now they wont return my emails nor phone calls. 
Now I am out {$910.00}, and Wells Fargo will not replace the money they had an obligation to protect.

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 03/25/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I returned from XXXX in XX/XX/XXXX and in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a volunteer missionary from XX/XX/XXXX until XX/XX/XXXX, and then returned in XX/XX/XXXX through XX/XX/XXXX to XXXX XXXX and literacy at rural elementary schools. According the credit reports I have managed to obtain, all accounts were opened and used while I was in XXXX. 
I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts - XXXX have been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from XXXX that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account. The disputes came back from each CRA with no changes. 
Becoming XXXX as an adult and not able to use XXXX services ( or XXXX ), it is very difficult to communicate with the credit card companies myself. I send everything through letters or fax. 
There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.

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 04-02-2016 about Other financial service (Debt settlement) with Money Management International, Inc. (WA).
Issue: Fraud or scam

Complaint: We went through a HARP program that insisted as part of the process we sign up with a finical counseling agency to help consolidate and lower interest rates on credit cards. We did so and paid a monthly fee and they did not pay the money to the credit card accounts as promised. They deducted the money on time but did not pay the creditors on time and we were forced to pay it ourselves and our credit went from XXXX to XXXX in a matter of months. They repeated told us that it was the creditors fault that they were the ones that changed the process. We have paid all but one on our own but this should not have occurred. The company has never attempted to make good or even contact us again. This was a forced issue by the bank. CCCS was their name, based out of Texas.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06/20/2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was a few days late on my bill ; it was posted to my account on the XXXX/XXXX/16. Since my payment posted, I recieved 11 phone calls from XXXX different phone numbers telling me my payment is due. The numbers they call from are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not answer all calls ; the calls I did not answer were verified through research ... not one message was left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2017 I set up a billpay account with my chase checking account. I attempted to pay XXXX XXXX XXXX the sum of {$300.00}. I later received a call from a garbage company by a similar name ( XXXX ). They said that they had received an electronic payment and wanted to what it was for. They informed of the amount and I told them that Chase Bank had sent it to them in error. They said they would make an electronic refund. To this date, XXXX XXXX, 2017, Chase Bank has not acknowledged they have received a refund and insist that they sent the payment to XXXX. This is not true. XXXX has not received payment from Chase Bank. I would like Chase Bank to refund {$300.00} to my bank account. I believe the error is theirs, not mine..

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (Medical debt) with Valley Credit Service, Inc. (OR) (OR).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This complaint is consequent to wrongful demand and collection activity reported to major credit bureaus for insurance co-payment arising from incorrect, wrongful, and disputed reporting of medical services and tests provided to me that were performed XX/XX/XXXX by XXXX [ Oregon ] XXXX XXXX, XXXX XXXX, ( " XXXX '' ) ; together with wrongful and damaging debt-collection subsequently entered on my Credit Bureau reports by XXXX 's collection agent Valley Credit Service , Inc., XXXX, Oregon ( " VCS '' )  that began XX/XX/XXXX, and was updated XX/XX/XXXX, by XXXX 's collection agent ~ altogether as attached hereto. 
Both XXXX and VCS have refused to answer, let alone consider, any attendance to my concerns and complaint. 

This unjustified conduct and actions by XXXX and VCS have caused, and continue to cause, specific serious-and-unwarranted damage to my credit standing with consequent reduced or denied credit availability from both existing and new creditors. 

My repeated and detailed written communications to both XXXX and VCS have been ignored by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2015 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX accounts on my credit report. 1 ) XXXX is a XXXX balance, unable to get them to remove the item stating they need documentation 2 ) XXXX XXXX paid in full states they need documentation which the company has sent to them plus they refuse to make changes to the credit report with my documentation. They are famous to state they will not reinvestigate the account. This is against the FRCA .But they intimidate customers staying even though paid will not reinvestigate the accounts. Accounts status and balances can change and they should be fair and transparent to the customers if information is provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Not transferring data to other applications

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This is my XXXX submission regarding the XXXX. I paid {$1000.00} to try to reduce my loan ; however, they charged {$170.00} in interest, and paid {$820.00} towards the principal. Basically, I am being penalized for paying early. I had satisfied my monthly payment right before making this payment and specifically directed them to pay down my principal, not interest. If they charge me interest every time I make an extra payment, that is neither legal nor fair. Please instruct them to accept payment on principal and to stop penalizing early payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit card or prepaid card (Government benefit card) with PAYPAL HOLDINGS INC. (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Purchase Date XX/XX/XXXX Dispute filed XX/XX/XXXX Seller sent email approving refund in full immediatelyXX/XX/XXXX PayPal stated NOT to send broken glass and I would receive refund immediately XX/XX/XXXX PayPal demanded I send broken glass to seller, upload shipper policy of broken glass not allowed to be knowingly shipped, file a police report and upload before making a decision XX/XX/XXXX PayPal employs threatening abusive policies and they refuse to refund purchase of car window that arrived shattered, after they stated they would refund and NOT to send back the broken glass as it was all over my carpet and I cut my hands trying to pick it up to send back. PayPal originally stated NOT to send the broken glass back and that I would receive my refund immediately. After a week and 5 hours of calls and being transferred to every department under the sun, they pivoted and wanted me to send broken glass back in the mail, but it is considered hazardous material and is illegal to knowingly ship broken glass. PayPal demanded I get written documentation from USPS stating they would not ship broken glass. PayPal also wanted me to pay for shipping broken glass back to seller. After upload of documentation, PayPal wanted me to file a police report stating I received broken glass or something and upload a police report before deciding if I would receive a refund. This is all after the seller stated in an email to me that they made a mistake and would refund my full purchase price. I even uploaded photos to the original dispute claim, but this was not enough, PayPal refuses to refund the purchase of broken glass that I cut my hands on and is all over the carpet in my home. I have a cat and feel this is absolutely ridiculous that PayPal is able to treat customers so badly and without any oversight or penalty for lying, abusive policies and threats that if I want a refund I have to file a police report. PayPal is the most criminal organization along with XXXX and should be forced to shut down. I even uploaded pictures for proof yet they feel freed to do whatever they feel like and have a power trip and the audacity to be above the law. PayPal has held funds for interest collection on millions of user accounts and I know their actions amount to fraud. PLEASE someone help me teach PayPal they are not above the law and that the POTUS is not the example of how to do business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (AR).
Issue: Loan modification,collection,foreclosure

Complaint: We have been denied a short sale opportunity because I am XXXX and have funds in a business account which Chase says could be used for Mortgage Payments in lieu of paying quarterly taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call EVERY XXXX and 3 times a day! 
Today, XXXX XXXX, 2016 they already called my home at XXXX then at XXXX and again at XXXX. They call over the weekend too. 
As far as I 'm concerned, this is harassment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: In XX/XX/XXXX. I opened both a savings and a checking acct with wells fargo and deposited over 130,000.00 initially to open my account. Over the next several months i took numerous flights back home to visit my mother in Texas who became ill. I was so busy i didnt have a chance to verify my banking transactions. When everything settled down i finally got a chance and noticed errors on my statement. A hand full of unauthorized charges adding up to over {$1600.00}. I repirted them to Wells Fargo and was issued providional credit instantly. Not even 10 days the credit was reversed. I asked for documentation as to why the credit was reversed but never did i receive anything. One employee told me over the phone that thete was nothing to send. So wells fargo based their decision on speculation. After several complaints they closed both my accounts. Thats the service I got after putting {$130000.00} in their bank not even 6 months earlier. I didnt know how to oursue this until I read about this website on line. And it so happens that i received a recent email from Wells Fargo asking me to submitt any complaints by XX/XX/XXXX and they would be happy to resolve the matter.

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 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX XXXX is pay in full an outdated # 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 06/26/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (HI).
Issue: Account opening, closing, or management

Complaint: I opened a CitiGold checking account on XXXX/XXXX/16 with Citibank Financial services through a promotion that offered XXXX XXXX XXXX Miles for making {$1000.00} worth of purchases on my debit card and a bill payment. I received confirmation of the promotion after opening the account. The requirements were met well within the requested time frame and I contacted Citibank customer service regarding the bonus miles. After receiving no answer from them regarding the issue a month later they responding stating I did not open the account through a promotion. I would have never opened this account without a promotion.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I CONTACTED THE CREDITORS AND THE CREDIT BUREAUS ON THE FRAUDULENT INFORMATION ON MY CREDIT FILES.FIRST I WAS EVER LATE WITH XXXX XXXX, XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX IS A FRAUDULENT ACCOUNT, XXXX XXXX XXXX XXXXIS A FRAUDULENT ACCOUNT, WE XXXX   XXXX IS A FRAUDULENT ACCOUNT. I HAVE ATTACHED MY POLICE REPORT PROVING THE FRAUD.

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 11-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I want the credit bureau to verify proof documentation to me ( consumer ) via mail of all delinquent items according to FCRA page 35 statue 609-disclosures to consumers [ 15 U.S.C. statue 1681g ] information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ statue 1681h ], clearly and accurately disclose to the consumer. If the XXXX credit bureau 's can not provide proof documents of said law FCRA requirements, I am demanding that any delinquent items be deleted from credit file.

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 07-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: On  XXXX   XXXX   2017  I submitted an   XXXX   XXXX   of  XXXX   XXXX  in the  USD  amount of {$26000.00} as confirmed by the Companys Records on COINBASE. Shortly after submitting this transfer request and receiving confirmation, the Coinbase site put up an  XXXX   XXXX  stating that all  XXXX    XXXX   would be delayed due to high volume requests . ( a  transfer of this nature usually t akes 10-20 minutes ) Well,  I could not cancel my transfer request at this point so I was locked in.   Approximately  26  HOURS later, I received an email from COINBASE, stating that my transfer of  XXXX   XXXX  was complete at a value of {$19000.00}, leaving me {$6600.00} short. Now, a slight variation might be expected in normal trading, but due to the fact that  COINBASE  was unable to handle the volume, it took about  26 tim es the amount of time to complete the trade and in the meantime I 'm out {$6600.00} dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2016 about Mortgage (FHA mortgage) with Statebridge Company (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from XXXX to Statebridge. I have tried to call Statebridge many times with no avail. Statebridge is impossible to get ahold of. I have left several messages, but have only received one call back. I do n't receive correct statements, nor do I receive them on time. They are charging me late fees and my payments are not late. I need help to get this problem resolved. I do n't know how this company can be in the mortgage servicing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Consumer Loan (Installment loan) with REGIONAL MANAGEMENT CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: Regional Finance of XXXX NC, assessed a {$15.00} Late Fee on my account, when my account has never been late since it 's inception. 

I have tried, over several months, and several complaints, to have it removed, all in vain.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (I do not know) with Recovery One, LLC (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: Received a call about a debt that was trying to be collected. Caller stated she was with Recovery One trying to collect a debt but would not inform me of the company the debt originated from and the amount When i tried to get that information she started to call me derogetory names and yell obscenities until i hung up on her.The number on my caller id is  XXXX

Company response to consumer: Closed with explanation