milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Santander Bank refuses to refund {$96.00} yet acknowledges the fraud by cancelling my debit card. 

My situation falls into " billing error '' category and fraud category. I got overcharged and received a different item than ordered. 

On XX/XX/XXXX I purchased a pair of leather XXXX sandals for a total of USD XXXX through a " XXXX '' website XXXX On XX/XX/XXXX {$96.00} ( XXXX + XXXX intl. fee ) transaction posted on my account that originated in XXXX and was connected to a private hotmail account where the purchase confirmation came from. 

Santander should have had an alert in place for charges coming from XXXX, XXXX, XXXX and other countries known for scams so I could refuse it but they failed me as a consumer. My XXXX card blocks such charges immediately if I don't tell them explicitly that I travel or plan to purchase abroad. 

Called Santander to report fraud and gave them details. They immediately cancelled my debit card and initiated a refund claim. 

I contacted the seller but got no response. Instead, I received cheap fake leather sandals, completely not the ones ordered and not worth {$5.00} let alone {$93.00} and again silence from the scammer seller. 

After I e-mailed him that I'd report him as fraud to my bank and an appropriate XXXX entity dealing with imposter " XXXX '' websites, the scammer wrote that the warehouse made a mistake and offered a {$9.00}! refund so " I don't have to pay high shipping charges for sending the shoes back '' even though he shipped the wrong ones. How much scammier than that can it get? ( see the attachment ) When I demanded full refund and told him he would have to pay for shipping the shoes if he wants them back, he stopped responding. 

However, since I got a replacement card, even if the scammer was willing to refund me, he can't return the funds to a cancelled card and I'm not going to give him my new debit card info. 

Even though I informed Santander about the issues I'm having with the merchant my refund claim was rejected twice. They wrote me to resolve the issue with " the merchant '' being well aware that I was already in contact with him trying to unsuccesfully recover the funds from a fraudster. 

Santander claims to protect their customers from scammers but they obviously do not care and do a very poor job letting international charges from XXXX clear. My claim was frivolously and unjustly rejected.

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Sent dispute to company and never received a response back. Letter was sent certified.

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 10-07-2015 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (TX).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX 2015 I went to Chase bank at XXXX XXXX XXXX XXXX, mi. I used the Chase ATM XXXX XXXX ). I deposited {$2400.00} into the ATM and an error appeared on the screen. A receipt was printed out stating " The ATM has experienced a problem. To confirm that your deposit was completed properly contact a Chase Representative or call us at XXXX. I called and gave them the information on the receipt and was told I 'd be credited the amount in 12 hours. I called the next day and I was told it should be credited by XXXX. No credit so I called the next morning and was told to wait 24 to 48 hours for the credit. Than Monday XXXX XXXX I called again and was told due to my account not being open that long it required further investigation to credit my account. I was told I should know something by Wednesday. By this time I had already returned to the bank only to see that the machine had been fixed and people were using it despite my problem still not being solved. I called Wednesday XXXX XXXX and was told the investigation found that there was no overage in the atm and that my claim was denied. I then told the rep that I have a receipt stating clearly that I made a deposit and that surveillance will show that I put cash into the ATM and that none of this makes any logical sense. I asked to speak to a manager or supervisor and he replied none are available but he can transfer me to a specialist. After speaking with the specialist who was very rude and carried a condescending tone. He told me I was not protected under the Regulation E act. I requested a manager and he then placed me on hold and said none are available and repeated there 's nothing they can do and do I have any more questions for him. I am very upset and feel unprotected as a consumer. I am a single mother I ca n't afford for my money just to be taking away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2015 about Debt collection (I do not know) with Penn Credit Corporation (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: An automated machine keeps calling to saying it is calling to collect a debt for " XXXX XXXX ''. A person by that name never has lived here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Sent a request to investigate and remove inaccurate and invalid accounts that are on my report as follows : XXXX : XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX Acct # : XXXX  {$13000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} XXXX : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00} TransUnion : XXXX XXXX Acct # XXXX  {$2000.00} XXXX XXXX Acct # XXXX {$14000.00} XXXX XXXX XXXX XXXX Acct # {$1100.00}

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 11-01-2016 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (MI).
Issue: Application, originator, mortgage broker

Complaint: This is reference case # XXXX. I did n't know how to amend the complaint with additional information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned their Mortgage to Bay View Loan Servicing, LLc, and it was recorded. 
Bay View Loan Servicing LLC. assigned the Mortgage to XXXX XXXX XXXX XXXX. 

The assignment was not recorded with the register of deeds. XXXX XXXX closed our acct. as their lien was extinguished. However when a title search is conducted, Bay View shows up as a lien holder on the property. We can not get a loan or sell the property with this showing up on the title search. 
Please, how do we rectify this? The Lien is Extinguished.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Struggling to pay mortgage

Complaint: I thank Seterus Inc. for their response. There seems to be areas for correcting their findings and perhaps practices for other accounts.
1 ) Escrow account : Seterus said that they applied my tax refund to in the amount of {$2400.00} back to my escrow account. That, in addition, " there was an escrow shortage of {$440.00} '' as of the date of their XXXX answer to my complaint .... '' Please be advised that you will only receive part/all of this tax refund if there was an overage in your escrow account. '' Here, Seterus received TWO of my tax refunds, one in XXXX, which they accounted for, but also one in XXXX, of the same amount, which for which they did not account in their XXXX response to CFPB. This information was faxed to and made part of my CFPB file and received by Seterus. Therefore, this second tax refund should be sent me as soon as possible.
2 ) The XXXX tracking of my XXXX payment. In XXXX, I sent at least two envelopes by certified mail. Seterus ; answer seems to have mixed up the tracking for the XXXX XXXX and XXXX XXXX mailed envelopes. They have the first page of the tracking number ending " XXXX '' which did n't arrive until XXXX XXXX. But their second page refers to the XXXX XXXX mailed PAYMENT which number ends in " XXXX, '' was waylaid through Tennessee, but still was signed for by Seterus ' agent on XXXX XXXX, 2017, so the payment was NOT late. It looks like they mixed up the two XXXX tracking statements somehow.
3 ) New : on my XXXX statement, it says the Regular Payment is {$1100.00}. But at the top of the statement, it says that the " Amount Due '' is {$1200.00}, presumably including a {$30.00} late fee, IF the payment is late, after XXXX XXXX, 2017. But at the BOTTOM, on the payment coupon, it says " Total Amount Due '' XXXX. Then it says " payment after XXXX XXXX, 2017 is XXXX. But the regular payment is XXXX It looks like Seterus ' error here, could make many people pay a late fee TWICE. If this is compounding the practice over thousands of customers, this error could make a serious error of millions of dollars to the detriment of customers and create a serious accounting problem.Seterus needs to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from XXXX XXXX, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything. 

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XXXX until now I tried dispute especially with the data breach from equifax, equifax said they verified them and they re factual. I tried to dispute my name it has XXXX next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this  account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: I currently have two active cash-advance promos on the XXXX MasterCard issued by Bank of America ; {$15000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX and {$14000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX. It is my desire to pay both promos off before their due dates to avoid interest. I contacted BofA on XX/XX/XXXX to check how a recent payment was allocated -- the payment was substantially above the minimum payment required. Much to my surprise, I was told that my payment had been applied the promo that expires on XX/XX/XXXX. I then asked the representative to re-allocate the payment to the promo that was expiring on XX/XX/XXXX. This is where things went downhill. 

The Customer Service manager I spoke with indicated that the law was very specific that banks had to allocate payments to the promo that had been on the books the longest, even if that promo does n't mature first. Most likely in 90 % of the cases, this payment allocation logic makes sense -- promos that were booked first would mature first. HOWEVER, when you offer promos of varying lengths ( as BofA does ), the potential exists for an " older '' promo to mature after a promo that was booked later. That is the position I find myself in. 

After reading the Payments section of the Card Act, I find what the manager told me regarding payment allocation to simply be untrue. The payments section was very specific regarding applying payments to the highest APR balances first and then to promos within two months of their expiration. Nowhere did I see that a bank was required to paydown the oldest promo balance first. Additionally, section 1026.53.b.1 ( ii ) of the Card Act provides for the card issuer to reallocate any amount above the min pay among the balances on the account in the manner requested by the consumer. 

Given this, I 'm not sure if this is a technical issue for BofA or if the capability exists but the customer service staff simply is n't aware. Either way, the way that I 'm being forced to have my payments allocated is harming me as a consumer by essentially robbing me of three months ( XXXX ) to pay down the promo that expires in XX/XX/XXXX and I am not at all happy about it. Additionally, I ca n't be the only consumer in this situation so I 'm sure that there are other BofA customers being harmed by their unfair practices.

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 12/27/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MI).
Issue: Money was not available when promised

Complaint: I have been doing business with Coinbase for almost a year, and although I have heard tons of Nightmare stories I never had an issue. That is until now. I requested a bank wire from them to my bank account in the amount of XXXX XXXX/XXXX/XXXX, and this should 've been done the same day, but it did say it could be completed on the XXXX. It is now the XXXX, and I cant get one answer from them. I have called, and after waiting for XXXX XXXX hours for somebody to pick up I was told to ju1st wait, and to stop complaining before she then hung up on me. I have written them on XXXX, XXXX, XXXX, and their site and I have gotten no response. There are hundreds, maybe thousands, of people on XXXX who are posting similar stories. Nobody can even get one response. This is absurd. Not to mention they did a surprise listing by of a new asset called bitcoin cash, and there was massive volume increase for bitcoin cash on all the other exchanges before the surprise listing. Blatent insider trading. They said they are investigating their employees for insider trading, but that 's does n't help us. For a company making as much money as they are, and with as many customers as they have to not have a customer support system is ridiculous. I am hoping this company is n't a large ponzi scheme, but that is how they are acting. Please help us! There are thousands of ppl waiting for bank wires, and thousands in XXXX waiting for XXXX transfers. There were no warnings on their site until days after I requested the money. The first warning said XXXX business day delay, and now it says XXXX business days delay. It is XXXX days later. I will never use this company again, and i strongly recommend others avoid them too. I am begging you for your help. Many ppl have said they have frozen their crypto transfers as well. Something very fishy is going on. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX appear on my credit report XXXX/XXXX/18, I was never given the oppurtunity to resolve the debt with them before it was added on to my report and they are also not licensed to collect debt here in Arkansas where i currently live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Company stole payments from my checking account then informed me they could n't take them and closed my account which violated that credit contracted signed at the beginning of the arrangment. They state they closed it because my payment was n't with a good account yet the contract states if my payment does n't work I have 180 days to pay my account when it 's in default and instead of fixing my very first payment on an account they lied to me to get, promising me a {$500.00} credit limit even approving me for a {$500.00} limit and only giving me a {$300.00} limit once they sent the card. This is a cheap lying company and I 'm opening a lawsuit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with Alliance Data Card Services (MA).
Issue: Other fee

Complaint: I opened a credit card with XXXX XXXX in XXXX, MA to buy a couch. There was an initial 6 mos period of no interest which we made periodic over payments of the balance due. I never received an invoice or any notification in XXXX for and apparently my 6 mos period had expired. I was notified by XXXX that my account was past due which I immediately paid off in full ( approx {$5200.00} ) on XXXX/XXXX/16. I 've now been told that since I did n't pay off the balance before the 6 mos period, that I know owe approximately {$780.00} in finance charges for for the next 12 months even though my account has been paid off in full. I strongly believe that it is categorically unfair to charge interest for 12 months in the future when no money is being borrowed. I also believe that XXXX XXXX is using deceptive and unfair business tactics to sell their products to consumers even when their consumers have been trying to do the right thing throughout the process. It is a quintessential " gotchya '' strategy to milk further fee 's out of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NH).
Issue: Was approved for a loan, but didn't receive the money

Complaint: I applied for a loan online thru Ace Cash Express. I received an email from  XXXX   XXXX  letting me know that I was approved for a loan for {$5000.00}. Email included a letter from  XXXX   XXXX  along with the loan agreement. It said to call  XXXX  to finish the process. I spoke w/  XXXX  on  X/XX/17    who told me that in order to get this loan, they were going to deposit $ into my checking acct, & I needed to send back. He said I needed to do this because my credit was n't that good ( which it is n't ). They were going to deposit  XXXX  into my checking acct, & I needed to go to Walmart & send  XXXX  to  XXXX   XXXX  -  XXXX   XXXX  IL via  a Moneygram. Moneygram w as sent, & I paid  XXXX  ( incl  XXXX  fee ). I called  XXXX  to let him know th at Moneygram wa s sent, & he said to send him a copy of the receipt to his email, which I did. He, then, called me back letting me know that the {$5000.00} could not go thru, & it may be because my credit was low. He was going to try it again by depositing {$980.00} this time & to send back {$960.00} to  XXXX   XXXX   XXXX  IL via Moneygram, which I di d ( incl   XXXX  fee ). I called him again letting him know $ was sent, & he then told me again to send him a copy of the receipt, which I did. This went on for  XXXX  more times on  X/XX/17    ... deposited  XXXX , sent  XXXX  ( incl  XXXX  fee ) to  XXXX   XXXX  via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   XXXX   XXXX   XXXX  fee ) to  XXXX   XXXX  again via  XXXX   XXXX  ; deposited  XXXX , sent  XXXX   ( in  cl   XXXX  fee ) to  XXXX   XXXX  -  XXXX   XXXX  IL via  XXXX   XXXX . All of the receipts for these transactions were also sent to  XXXX  's email. We spoke again on Friday night,  X/XX/17   , & he said that everything looked good now on their end, & $ would go into my acct w /i 15 min s or on Monday. I sent him an email & text on Saturday to check on status & also left him a message as well ... .no response. When I checked my checking acct on Monday, I was negative  XXXX . The  1st  deposit of  XXXX  was taken out. I immediately called  XXXX  to find out what was going on because I was also unable to use our debit card or check acct on my cell phone, & they explained that my acct was locked & looks like all the deposits will probably be taken out,  & I may ha ve been scammed. I am now negative  XXXX . I spoke to both  XXXX  &  XXXX   ( w ho I think are the same person  ) s everal times on Monday & Tuesday, & they both told me that they would look into it & get back to me. I called again on Tuesday night & was told by  XXXX  that he could send me {$5700.00} via    XXXX   XXXX    if I paid {$500.00} fees. I told him I was not going to give them anymor e ,  & I wanted my $ back & was going to report them the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Payday loan () with Midwest Recovery Systems (PA).
Issue: Payment to acct not credited

Complaint: Received calls that I had a payday loan. Any loan I ever had was paid in full Asked for written proof of the debt to be mailed to me. They would not. They claimed they had emailed us and sent us letters. Both untrue. We have had same email address for 15 years and same residence for 37 years. Feel the whole thing is a fraud.

Company response to consumer: Closed with explanation