milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: NEW COMPLAINT : No credit of refund of  XXXX  issued by  XXXX  on   XXXX  .
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Number 3 ACTIVE UNRESOLVED COMPLAINT. SunTrust still forcing my account open due to refunds owed TO ME BY SUNTRUST.
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Suntrust has made ZERO CONTACT WITH ME ON ANY OF THESE OPEN AND UNRESOLVED COMPLAINTS.
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I want SunTrust to contact me ASAP, explain What They intend to do to help me and a projected time frame for resolution to return my STOLEN FUNDS.

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 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I had ID theft and 2 fraudulent items are on my credit report. I reported this to all 3 companies YEARS ago ... all but Experian have removed it. I have notified them several times and they are still showing on my report. Not only were the cards not mine but then they " served papers '' to someone at a house I used to live at ... then got a default judgment because I was not there. They served a woman one of the judgements and the other was a man XXXX XXXX in XXXX and I am XXXX XXXX and a man. I live in Washington and the address they served was in New York. I tried to file request with NY to remove default judgment HOWEVER they said I had to go to NY ( I live in WA ). please help!

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 12/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: Citibank refused to provide credit card for Costco membership, statements from XXXX account transferred to them, credit card, account number or any information about account since the change from XXXX to Citibank happened in XX/XX/2016. They apologized and promised to fix the issues but never did, and literally alerted me that this very long delay and lack of payment was not going to affect my credit score since would not be reported as delinquent account, because it was Citibank who failed to provide all the necessary information, account, statements and card. But today i found out they actually did report account as delinquent totally undermining my credit score, plus adding hundred of dollars of fees and charges and on interests for the time they did not allow me to have any access to account they created and never allowed access to. I have also been told they have closed account and will continue never to receive any of the executive membership I pay for to Costco. 
Costco does not care and refer me back to Citibank not taking any responsibility for it. I do have phone call records as evidence of Citibank staff making false statement, including they alert that my credit score will never be affected/issue thy created reported. 
I can provide these records as necessary.

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 03-09-2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and XXXX deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over 7 yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX, XXXX reports that should be. Now they are adding inquiries that were not on there before? There are also many inquiries not initiated approved by me and they refuse to take them off. Please investigate my credit with all XXXX major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (NY).
Issue: Problems when you are unable to pay

Complaint: The Defendant has engaged XXXX XXXX XXXX to collect alleged debts against me. They declared a fraudulent venue of XXXX County as the place to bring the case when I did not reside in that County. They then allowed phony affidavits of service to be filed knowing that no such people resided at the addresses in question. They site an " XXXX XXXX '' that does not exist as receiving the service. They then cite a neighbor " XXXX XXXX '' as substantiating the information. None of this is true and it was all designed to file default judgments without any opportunity to defend the underlying action.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Debt collection (Credit card) with Eltman Law, P.C. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I XXXX XXXX have been requesting and writing for the proof of judgment concerning the debt that I 've been paying for the past year and eight months stating that this debt belongs to me. In XXXX and XXXX of 2015 I have been in contact with your office requesting said judgment with the understanding that the judgment would be sent and I have yet to hear anything from your office concerning this matter. I checked my credit report and the debt was not on the report so how can i be in debt and paying something i have no knowledge of or any proof. Therefore, I am now requesting that my money be refunded in full back to me within 10 business days of receipt of this letter. If this office does not refund my money I will be forced to file a complaint with the Customer Financial Protection Bureau and the Attorney General Office.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Mortgage (VA mortgage) with loanDepot.com, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Frustrating to get a hold of any one to do a loan modicationi believe i got bad loan. home depot failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.i believe i got bad loan. XXXX XXXX failed to properly process and underwrite home mortgage loans backed by the U.S. Veterans Administration. Bad underwriting often results in higher than average default rates. When that happens, both taxpayers and veterans lose like myself. please help me get loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, a transfer of XXXX euros was sent from my bank account in the XXXX, to a bank account owned by Coinbase. It was a SEPA transfer. Coinbase provided the XXXX, Reference Number and XXXX/XXXX code in order to transfer money into my account with them. This transfer was expected to complete within 1-3 business days. 

It is now XX/XX/XXXX and the money has still not appeared in my coinbase account. 

On XX/XX/XXXX I raised a support ticket with Coinbase. They are reporting that they are overwhelmed with requests at the moment, but state they are prioritising cases where money is missing. I got an automated response saying it may take several days to get a response. I has now been a week and I have had no response from them. 

I am now seeing an alert in the Coinbase website stating that they do not accept transfers from XXXX XXXX. My transfer was from XXXX XXXX XXXX. Perhaps this is what they mean, but never the less, its too late to report that when it is not mentioned in their guide to making payments here https : //support.coinbase.com/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Application, originator, mortgage broker

Complaint: I began the process of refinancing my home with Bank of America, who currently holds my mortgage after being contacted by them several times, on XX/XX/2015.  After several requests for additional information, and a lot of confusion XXXX, they asked for verification about a particular payment I received, which caused a huge red flag, and they convinced me to close the loan application to start over, as it was easier for them.  This was in XX/XX/XXXX I believe.  I was shuffled through XXXX different people.  I spent a good portion of my time every day or so preparing information, even going into a branch at XXXX point to attempt to fax information directly to the agent who requested it.  After the restart, a new person contacted me, saying that additional information focusing more on my XXXX income would solve the confusion, and a new list of information requested was sent to me.  A lot of it had to come from my CPA and bookkeeper, so they prepared a large file for me to send and I did.  The agent who requested it emailed me back saying he would put it into my file.  Half an hour later he called me to apologize, that my loan had been cancelled, because he had failed to tell me I only had 72 hours to get my CPA and bookkeeper's information.  I had done nothing wrong.  It was their error XXXX and XXXX my loan was cancelled.
Today I got a Notice of Action Taken, which says that the application was not approved because of INSUFFICENT CASH : INSUFFICENT LIQUID ASSETS TO CLOSE THE LOAN.
I am in shock and horror - scared to death that this will end up on my credit report.  There was NEVER a suggestion that I did not have cash to close the loan.  I was ready each and every time they told me we were about to close to meet the requirements of the costs, which was approximately XXXX times.  I am completely panicked now that this huge bank has not only screwed up my credit by requesting it multiple times from the credit agencies, but now that this Notice is on my financial report as well.  I do not know who can help me and I have emailed the original agent I worked with there to help me, but I doubt I will even get a response.  I believe BofA needs to be disciplined for this.  No one got anything from this deal and now I am much worse off than if I had never said yes to them in the first place.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-08-2016 about Mortgage (Home equity loan or line of credit) with NATIONSTAR MORTGAGE (PA).
Issue: Settlement process and costs

Complaint: Refinanced Home Equity Mortgage. Payment was sent to previous lender in the amount they specified. I have since received a bill requesting an addition {$100.00} to {$190.00} dollars to close the account. The payoff payment sent was for {$23000.00} and the last Nationstar statement balance was {$23000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am currently on a modified payment plan that is very managable and I am able to pay ever month. I do not have any defaults with AES at the time becasue this plan is helping me. I called them today to see what my options are becasue I am able to pay this amount and keep them satisfied. They advised me that I have no options at the time and that after this year my payments will be going back to the normal amounts. I told them I will not and cn not afford that amount. They told me they can not do anything about it. I want to pay the loans but not a the crazy amount they want. There has to be some long time resonable payment plan that they can offer me because at this point they want me to go into default. How is this legal of them to say we can not help you and you have to pay this or default when I am trying to work with them?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Payday loan () with EZCORP, INC. (WI).
Issue: Charged bank acct wrong day or amt

Complaint: I was charged {$89.00} over the actual first month payment I agreed to which was no more than {$38.00} in month of XXXX for loan amount {$320.00}. The payment was a total no more than {$120.00} for the third month and beyond month. I went to my personal bank and stopped payment on the amount taken out of my checking account XXXX/XXXX/2017. I was n't aware until XXXX/XXXX/2017 when I attempted to withdraw money to pay the rent. On XXXX/XXXX/2017 at XXXX XXXX I was contacted and was told to agree by XXXX XXXX this day to pay an amount of no more than {$110.00} dollars. The morning of XXXX/XXXX/2017, the company 's representative did not have my file ready and asked for the last XXXX numbers of my social security number. I find that suspicious by reason of the person asked my name first, before I gave my last XXXX digits stated they could not find my file right away after transferred to different department. I added that because if that company were professional, they should be organized in business and legality. The person admitted someone referred to as a sales department had, " messed my loan agreement up, but there was nothing to be done about that '' The representative stated that I said I got paid biweekly XXXX and XXXX, before that statement clearly stated by them that I said I specified monthly. I had to state that I said monthly the XXXX and the XXXX, in fear of the company reentering the facts before myself proof that I was schemed. The loan company came with the lower amount of no more than {$110.00} or I would be reported to their collections department. It 's XXXX XXXX right now and they are expecting a call by XXXX XXXX The person that primarily forwarded the loan asked for my debit pin. The second amount payment would have been no more than {$76.00}. I 've changed my pin since for financial security, plus they added charges of wiring fee of {$20.00} printed in the letter. I think the company got angry with me possibly because they tried to take another amount out illegally after the first time using my old pin.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage servicer is Ditech Financial LLC, and this is a complaint against them. 

I filed for XXXX bankruptcy approximately XXXX years ago and the bankruptcy was successfully XXXX in XX/XX/2015. In spite of this, Ditech still has my mortgage account listed under bankruptcy status, which means my home loan, which I 've paid faithfully since filing for bankruptcy, does not even show up on my credit report. It also means that I receive only " informational '' mortgage statements every month from Ditech - these list only the monthly mortgage amount owed and do not contain other detailed information on my home loan, such as the balance, etc. 

I have tried to resolve this issue multiple times in the last few months by contacting Ditech at XXXX. Every time I call, I am routed to XXXX XXXX XXXX who acknowledges that my account needs to be " recoded '' to reflect the successful discharge of my bankruptcy more than XXXX year ago so that my credit report can be updated and full monthly statements can be resumed. Staff then explains that only Ditech can do this recoding and " elevates '' the issue to Ditech so that they can take care of it. 

As of today, my request has been elevated to Ditech XXXX TIMES ( over the period of a few months ) and they have yet to respond and recode my account. 

I am at a loss for what else I can do at this point and I 'm hoping that Ditech will resolve the issue upon hearing from you, as my continued attempts have obviously been ineffective. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ).
Issue: Fraud or scam

Complaint: My conversation with MoneyGram customer service representatives XXXX ( ID # XXXX ) took place on XX/XX/XXXX with regards to my request to stop the payments that were processed through MoneyGram on the dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX at the CVS location on XXXX XXXX XXXX, XXXX, NJ XXXX. 
I am very dissatisfied with MoneyGram services and attitude towards the customers because on the above-mentioned dates I made several money transfers that I came to find out were fraudulent. On XX/XX/XXXX 10 minutes after the last transaction was processed I called MoneyGram and explained the situation, provided all the reference numbers, accounts and amounts to the representative XXXX. I was advised that all the necessary actions will be taken in order to stop fraudulent payments and whatever possible money retrieved. I was also advised that one of the supervisors in the department will keep me updated and will call me back with the update on the issue. I made several attempts to resolve this problem by calling the number listed for questions and concerns ( XXXX ). Each of my phone calls would end the same way, representative would get all the information about my previous conversation, would put me on hold explaining it by transferring me to the supervisor and 15 minutes later hang up the phone. After 5 attempts and spending numerous hours on the phone I gave up without any results. I have enclosed copies of my records and receipts. It is also came to my attention that MoneyGram was able to stop one or two transactions, because I received the phone call from the company that was trying to scam me, that 1 or 2 payments never went through. 
Unfortunately, the problem remains unresolved. 
Thank you in advance for your assistance in resolving my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In roughly XXXX of XXXX I had a existing credit card for home upgrades that I received through USAA that they solicited me to get instead of a home equity Loan. In XXXX of XXXX i lost my job and was trying to work with USAA on payments as well as my other creditors. When I lost my job in XXXX I called USAA and tried to work out a payment with them as I was going to be bind for a few months. They refused to work with me and wanted all the past due payments at that time. I did not have the money at that time to work them and I told them when they wanted to work with me to call me. A month later they called me and stated they wanted the entire balance in full. I told them that this was impossible and when they could work with me and I mean really work with me to call back. 

I then started receiving collection calls and I told the companies the same thing as well as to send me documentation of the debt which I never received. At the middle of XXXX and through beginning of XXXX I started getting more collection calls and they were now stating USAA had sold them the debt. I thought this was odd as USAA should have filed a XXXX debt cancellation but I was getting these phone calls. I told the collection agencies to send me a letter and no one never did. I called USAA and they refused to talk to me and cut off web access to my account overview. 

USAA is now trying to send a XXXX to the IRS for the year of XXXX taxes when it should have been done in XXXX as the proper discharge data for the debt. This is not right as well as selling the debt and then claiming it is theirs to discharge. For these reasons I am disputing the XXXX from USAA and need help as they will not talk to me or give me access to my account or other existing accounts which I am still making payments on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These all inquiries I am not aware of. 1.XXXX XXXX XX/XX/XXXX. 2.XXXX XX/XX/XXXX. 3.XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 4.XXXX XXXX XXXX XX/XX/XXXX. 5.XXXX XXXX for XX/XX/XXXX. 6.XXXX XX/XX/XXXX. 7.XXXX XX/XX/XXXX. 8.XXXX XXXX XXXX XX/XX/XXXX. 9.XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. 10.XXXX XXXX XXXX XX/XX/XXXX. 11.XXXX XXXX XXXX XXXX XX/XX/XXXX. 12.XXXX XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Credit card) with Nations Recovery Center (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Nations Recovery Center did not notify the credit reporting agencies after I settled with them on XXXX XXXX, 2015. I am looking to refinance my car and because they did not report payment to the agencies, my credit has not improved. Today 's date is XXXX XXXX, 2015. 

I have repeatedly called them and they just leave my call on hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief