milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/14/2017 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (AZ).
Issue: Fraud or scam

Complaint: On XX/XX/2017 I found on XXXX good offer for high quality XXXX. I contacted the company and received much higher price, but I accepted this offer. After I received invoice on XX/XX/XXXX, I paid by wire transfer $ XXXX kilogram plus {$50.00} for shipping. However, when I received this package it weight total only XXXX grams, and inside envelope weight XXXX grams. inside are documents with information that they send XXXX grams silica powder. I complained it, and they send me email that I received what I paid. 
After that I searched on Internet and found that many people where cheated by them. 
On XX/XX/XXXX, I was in Chase bank and asked for help. The banker opened claim number : XXXX and promised me that they will act in this case and will try to reverse my money within about three days. Unfortunately, to this day did nothing in this cheat.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Billing disputes

Complaint: On XXXX XXXX, I was contacted by BP Card stating my card was frozen due to questionable charges. I contacted the Fraud Department and they asked if I made charges to a Racetrac in Florida -- I stated NO and was in Illinois where I reside. They stated they had caught the attempted uses and I would not be charged, and they would send me a new card and number. They sent me the new card and number but when I received my statement, I saw that I was still charged for the XXXX fraudulent charges. XXXX for {$98.00} ( XXXX XXXX. XXXX FL ), XXXX for {$98.00} ( XXXX XXXX. XXXX FL ) and XXXX for {$98.00} ( XXXX XXXX FL ). Each was made on XXXX/XXXX/16. After multiple inquires by telephone and email, I am continually brushed off and the charges remain on my account ( I pay my full balance each month so they had been paid as I always pay in full during grace period to avoid paying any interest ). I have still not received the credit and just get generic responses despite over 60 days elapsing since the charges ( which were caught by their FRAUD department ) were made. There are XXXX of complaints against Synchrony Bank and their various credit cards for such shady business practices and the CFPB should intervene immediately. It is clear that they are trying to avoid making a credit and simply collect the monies which I never charged. As an attorney, I am even more infuriated that a financial institution would do this to their customers as there are XXXX individuals who do not have the skills to advocate for themselves in these situations..

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 10/31/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This Complaint is the direct result of the continued failures of Green Tree/Ditech to rectify a set of errors in the accounting of Account Number XXXX. There have been a number of additional issues with the servicing of this account, dating back to the date which Green Tree/Ditech assumed the servicing of this account XXXX ranging from Green Tree/Ditech refusing to acknowledge permanent modification of the mortgage on said account, which pre-dated Green Tree/Ditech assuming servicing of the account, to being apparently unwilling and/or unable to generate an accurate monthly statement and/or sending it in a timely manner. After more than seven months of communicating back and forth with XXXX XXXX XXXX and the XXXX Department, the issues are currently unresolved, and show no signs of reaching a resolution dealing directly with Green Tree/Ditech. It is to this end that we now turn to the Consumer Financial Protection Bureau and the Federal Trade Commission with the attached formal complaint. The Complaint itself is comprehensive and too large to post in this area. The actual complaint is labeled Exhibit AA. All other attachments are supporting documentation, as listed in the complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Good Morning, I have submitted a claim number XXXX, which CCO mortgage did nothing to answer. My complaint has XXXX issues. 1 ) My house was incorrectly appraised in XX/XX/XXXX. This is obvious by their appraisal in XX/XX/XXXX and again in XX/XX/XXXX. My house dropped by XXXX %, but my area dropped by XXXX-XXXX %. 2 ) CCO mortgage charged me 6.5 % interest rate but I was told it was drop down after two years. However, after two years they tried to not reduce it and sent me a letter to sign which would waive my reduction. That ca n't be legal. 3 ) After my girlfriend ( and co-owner ) broke up, I explained I would need to remove her name. They ultimately adjusted the mortgage but charged me an above market rate. I was notified about 6 months later of the HAMP program. I called them and asked why I was n't placed into that so I could get a market rate. They did n't have an answer, except that because my mortgage was adjusted ( above market rate ) that I ca n't do the HAMP program. Is that legal? Why was I not told of the HAMP program. 4 ) At that time I was told I might be able to do a modification so I filled out lots of forms but was denied. I asked for 'waterfall calculation ' and was told no calculations are provided. Is that legal? 
CCO mortgage please and answer these XXXX complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have made a purchase using a Citibank card for a Merchant to provide car rental booking service but the Merchant failed to provide that service appropriately, resulting in failure of car rental reservation. 

Dispute was filed with Citibank and Merchant provided response irrelevant to issue. Citibank requested more information from me. I provided detailed information. Citibank wrongly determined my response was incomplete and refused to pursue a charegback.

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 07/19/2017 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Closing on a mortgage

Complaint: I was applying for re-finance for 15-20 yr. mortgage from Wells Fargo . the Principals I dealth with were XXXX XXXX, XXXX XXXX XXXX and and complaint dept. rep. XXXX XXXX XXXX XXXX. Interaction begain by phone starting around XXXX XXXX XXXX-XXXX XXXX. After paying {$540.00} home inspection for XXXX XXXX XXXX ( later re-funded after filing a despute ) the home has been financed thru Wells Fargo for past 10 yrs. we were advised by XXXX and XXXX that we were " near approval by the underwriters '' but would need to pay off several consumer accounts, they were specific about which ones to be retired totalling approx. {$2000.00} worth of payoffs which we did, only to be told finally that we could not be approved BECAUSE we did not show the above home as our residence on our filed income tax. At no time in the proccess were we told this would be a requirement! Please note that my drivers lic. does show the above is my legal address. We are an XXXX family and I am aware that this institution has a history of financial abuse toward minority clients. The re-fi was not approved.

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 12-09-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (HI).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: Wells Fargo entered into a loan agreement with me in the county of XXXX XXXX at their XXXX XXXX branch in 1996. I paid my loan religiously and in the last year of the auto loan wells fargo reposesed my truck and auctioned it off. The truck loan was around {$15000.00}, and I had paid off more than {$12000.00} when they reposessed it. I never missed a payment, contact with wells fargo after that was obsolete, they would not talk or work with me or honor their agreement.

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 11/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never lived on XXXX in XXXX or XXXX in XXXX, that should appear on XXXX XXXX report. How could you confuse XXXX completely different SSN and DOB and foul up the information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2016 our mortgage was sold to SP Servicing. We had a XXXX modification with our former servicer that expired just before and raised our interest rate to the original XXXX %. At that point we could no longer afford our payments and fell behind. SP Servicing has had our Request for Hardship Modification since XXXX 2016. Since then they have repeatedly and consistently requested " additional '' information, clarification, redo a single line on this document, explain this ( six times ). In short, they are dragging this out with their endless quest for the perfect set of documents. I am well aware that there are specific requirements for XXXX, and we give them what they ask for EVERY TIME. I believe they are veering into fraudulent territory with their requests now. The " underwriters '' have reviewed our application no less than ten times since XXXX 2016, and today, suddenly, they ca n't read our names on the front page ( section one ) of the application. I have read online where they 've done this to other people over the years. We ca n't get our mortgage caught up without a modification, and we stay behind on our mortgage, trashing our credit, where we ca n't go to another lender and refinance. They have us stuck, and they are keeping us there, for no good reason. Either they want our home in foreclosure, or they are running up the loan balance and interest. Either one sounds like fraud to me. I will be filing complaints with the Federal Trade Commission, TN Department of Commerce and Insurance and TN Office of the Attorney General on Monday. If none of these agencies is able or willing to help, I will have no choice but to file a lawsuit against the servicer, which we no doubt will lose due to their " deep pockets '' and our " little voices ''. Please help us. Companies like this do n't deserve to be allowed to keep doing this to their customers. I 'm willing to fight, but what about others who do n't know how to fight? They simply lose their homes. Please step in and do something about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This is my husband 's XXXX school. I should be listed as a co-borrower and they have me as primary. But most importantly, they are reporting inaccurate information. We are current on this loan as we have monthly automatic payments taken out. They have fixed the error with my husband 's credit report but are refusing to correct mine. 

The company has refused to correct the issue and Equifax has closed any and all disputes stating the creditor has validated the account information. I have attached supporting documents, supporting my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: I have been a loyal customer to Capital 360 since XXXX. In XXXX, we established a Trust, and per our Attorney, ALL of our assets are in the name of our Trust, including our bank accounts at Capital 360. Capital 360 has recently offered a XXXX XXXX account. We were informed that although our current status are ALL Trust accounts, we are not able to open a money market in the name of our Trust. I asked to speak with a manager and was directed to XXXX ( Employee # XXXX ). XXXX confirmed they were unwilling/unable to open a money market under our already established Trust accounts. I asked to speak with his manager, as we are already established customers with established Trust accounts and he declared that there was no one else for me to speak to regarding the matter and that I could periodically check back for changes in their policy. This refusal to open a money market account in the name of our Trust, considering we already have XXXX other accounts in the name of our Trust, appears to be random and discriminatory towards people who elect to have their financial affairs in order. XXXX insistence that he has the final say in the discussion of this inane policy was ridiculous, and this matter needs to addressed ensure inclusivity -- especially to established customers!

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of identity theft and have been a victim of identity theft for over 15 years. The following account and credit inquiries are unauthorized, fraudulent and is the result of identity theft : XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX, XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I filed a police report with the XXXX XXXX Police Department in regards to the above accounts. The police report case number is : 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 08-10-2016 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Mercantile Adjustment Bureau ( XXXX ) has begun calling me " about a business matter '' but they refuse to give me any details until I give them all sorts of personal information like address, DOB and last XXXX of social. Seems like they should n't be allowed to ask for personal information - I 'm sure not going to give them any - and should n't be allowed to call if they 're not going to tell me what they 're calling about. 

These are the same scumbags that were calling me a couple of years ago about something. I asked them for documentation of what they said I owed and did n't hear a peep for a couple of years it seems like.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 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: Their investigation did not fix an error on your report

Complaint: I have XXXX XXXX XXXX discharge and my credit score went up fell went up and fell again.. what is the meaning of this ...

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 03/15/2016 about Consumer Loan (Vehicle loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (SC).
Issue: Problems when you are unable to pay

Complaint: I got a vehicle loan in XXXX from Security National Automotive Acceptance. I had been in contact with this company in XXXX to come pick the car up because it was not working. I was told through email " the car is not worth the pick up value. '' I got out the military and moved back to XXXX where I have been living and working. I was notified on XXXX XXXX that my wages from my job at XXXX would be garnished. I called the payroll department because I could n't understand why my wages were being garnished for a loan I had 10 yrs ago. I was informed by the payroll specialist that " the garnishment is illegal because you live in XXXX and under federal law XXXX residents are not subject to creditor wage garnishments. '' The payroll specialist also informed me that she had to " code it AS IF it were a student loan to force it through. '' I am asking for help with this matter because not only is this debt 10 years old but I no longer have the car and I also tried to give the car bad years ago.

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 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MI).
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: M  y Walmart mastercard credit card was stolen and used to for fraudulent transactions on   XXXX   XXXX  , 2017.
I filed and provided a police report the following week.
The account was closed and new one was open.
All the transactions were then accrued into a single amount a carried over into the new account for {$1300.00}.
The investigation was concluded and I was told by mail that the amount was going to be dropped.
I received a statement with the original amount plus interest.
I called Walmart credit services for over 2 hours with no solution. They basically told me the account number was not found by them to process the write-off.
It 's now showing up in my credit report and harming 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 08/18/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Billing disputes

Complaint: To whom it may concern XXXX I hired a company called XXXX XXXX to replace my existing air conditioning system for the following reasons. 
XXXX 1. They claimed that the air conditioning wasnt powerful enough. 
XXXX 2. They claimed that the wire was undersized. 
XXXX 3. we needed an air conditioning duct in the ceiling of the living room, this work would be done for {$9000.00}. A copy of the contract is included. 
XXXX 4. They agreed that they would take a deposit of {$3000.00} which i paid on XXXX XXXX and they would expect the {$6000.00} upon completion. 
XXXX 5a. upon inspection of the job, they never installed the duct work in the ceiling for the living room, but charged my credit card anyway for the remaining balance of {$6000.00} on XXXX XXXX. When i confronted them, they said that they needed me to know that there was no place to put the duct without me doing some of the work.I explained that this was n't in the agreement. 
XXXX 5b. I stopped the credit card on XXXX XXXX for the {$6000.00} XXXX 6a. They finally agreed to install the air conditioning duct, by the XXXX XXXX, as long as i would give them the payment in full up front which i agreed. 
6b. On XXXX XXXX, they sent over technicians that explained to me that they could n't do the work. 
XXXX 6c. The guys that came to do the work did n't have the right parts for the job to be done and their ladder was too short to reach the roof outside, they needed to borrow a ladder from my neighbor and after looking at the job on the roof, they couldnt figure out where to start. 
XXXX 6d. They also didnt bring the right ladder for the inside of the house because the ceilings were high they could n't reach the ceilings in the house. 
XXXX. XXXX XXXX i put in a second dispute to cancel the charge of {$6000.00}. 

XXXX 8. They agreed to come back and finished the job but needed a set of blueprints, which i sent them via email about 2 weeks ago. 
XXXX 9. I asked them for a letter of intent or diagram showing me how they would install the duct work, and i have n't heard from them in 3 weeks. 
XXXX 10. I understand that XXXX XXXX is trying to have Discover reverse the charges in their favor which i dont believe i should pay for something that isnt complete. 
XXXX Please advise me on this matter. 
XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: None of these options explain my situation. Midland funding had entered into an agreement with the cfpb ( you ) and can not accept any payments from me. This is stopping me from refinancing my vehicle as i can not satisfy the debt. I needed them to send a fax/letter/email to my bank stating they can not accept my payment, but they refuse to do so, even though they would say it to my banker over the phone. I believe this to be out of spite toward me so that i can not refinance my vehicle, since they will not be receiving the money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Medical) with State Collection Service, Inc. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: State Collections is a third party collections agency is contracted through XXXX XXXX XXXX to collect debts for them. State Collections agency has repeatedly contacted my wife and me several times asking them verbally to stop calling us regarding this debt. It has been explained to them on several occasions that there was an error in the billing and we are working with XXXX and the insurance agency to correct the billing error. The problem is that when XXXX XXXX makes call they refuse to provide their name when asked what company is calling. They state that they can not legally provide the name of there company until they can verify the person they are looking for. Its only after you threaten to file a complaint will they then provide the number. They have called on back to back days ( XX/XX/XXXX & XX/XX/XXXX ). On XX/XX/XXXX a man called looking for my wife and when I explained to him the situation I asked that he remove my phone number and my wife 's phone number from his call list, which he stated that he would. Not even XXXX hours later a get another phone call from a different number with the same routine of refusing to provide me information regarding who the company is. It took for me to threaten them with this complaint that they provided me the name of State Collections. I again asked them to stop calling us. State Collections is now stating that they are protected under the disclosure laws and they do not have to provide any information to the anyone who calls them.

Company response to consumer: Closed with explanation