milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MO).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/2014 at XXXX am my home was XXXX way destroyed in a house fire. Over the past XXXX years I have worked XXXX US Bank Home Mortgage XXXX my mortgage company ). I had to submit over 4 times a " XXXX request '' to remove the builder off all checks, corresponds and they still continued to send him checks. I hired a scam contractor, US Bank Home Mortgage protects the builder before their own customers, even if they are dishonest. I have endlessly called them to discuss many issues with my rebuilder since the builder is NOT going to complete my home. No one calls me back. They say they will, but they do n't. My builder was able to deposit XXXX - a depreciation check, in his account even without his name on the check at local US Bank location in XXXX Missouri and I ca n't as homeowner, get the proper endorsement to complete my home. US Bank Home Mortgage could n't have been more disappointing during this difficult time. The supplemental check I still have in hand will help me finish my home. US Bank Home Mortgage knows this, still has n't helped me to endorse, making it extremely difficult. Even after faxing and emailing several XXXX party revoke letters ... they sent checks to him and they even called him regarding this supplement check. He is a scam artist. He 's very good at it too! Unbelievable! 
What has boggled my mind is that XXXX WILL NOT show the depreciation check of XXXX as part of the payments the ( scam ) builder has received. Please help with US Bank Home Mortgage because they certainly do n't believe in working with their own customers ( for over 15 years I 've been a faithful customer ). Thank you! 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 06-05-2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a letter stating that I owe  XXXX   XXXX   XXXX  as of  XXXX   XXXX ,   XXXX  , when I paid my last payment of the amount on  XXXX   XXXX ,   XXXX   I was told by the debt  collectors  it will be taken off my credit report in 30 days and it 's still on my reports. I would like for them  2  take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I attempted to make a payment to my fixed rate mortgage loan in the amount of {$560.00} with the addition of the {$5.00} web fee on XXXX/XXXX/2015. When I went to make my normal payment via Seterus, Inc website it stated that I could not make a payment unless it was less than {$200.00} even though my normal payment is {$560.00}. I called Seterus Inc., on XXXX/XXXX/2015 about the above said matter, I spoke to representative XXXX XXXX on XXXX/XXXX/2015. XXXX XXXX noted that I could not make a payment in the full monthly amount over the phone or on the website as I normally paid because my payment amount due was too low which does n't make sense. I could not get a satisfactory answer so I asked for a supervisor. I spoke to his supervisor XXXX XXXX on XXXX/XXXX/2015 and he said the same thing that I could not make a payment over the phone or online because their system would not accept the payment even though I am not considered late until XXXX/XXXX/2015. They are essentially refusing payment over the phone or through the website even though I would pay my normal monthly amount. Also, Seterus, Inc. made a mistake on my XXXX XXXX, 2015 statement which says I owe a payment of {$490.00} even though my normal mortgage payment is {$560.00}. On their website it says I owe {$560.00} for my normal payment but on my statement it says {$490.00} for my regular payment. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX pulled a hard credit inquiry with out my permission on XXXX XXXX, 2015 as reported on my Equifax credit report. This need to be immediately removed. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Payday loan debt) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not owe them any balance and would like them to acknowledge that.It is showing on my report as a charged off account.

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 10-10-2017 about Checking or savings account (Checking account) with AMERICAN EXPRESS COMPANY (PA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: Ongoing issues with Bluebird American Express where everytime you have a refund come back from a retailor the transaction is held for several days under merchant credit review. I had a refund from a merchant who physically swipped my card to issue refund around XXXX. On XXXX it was placed on merchant credit review. Today on XXXX i call for an explanation and i get told its for security reasons they hold the refund and that they review the transaction. Magically it will be released tomorrow XXXX. XXXX business days later.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX/XXXX/2016, I received a couple of calls requesting call back from Navient ( XXXX XXXX ). My student loans are being handled by XXXX XXXX XXXX who pays Navient. My account is being drafted on a timely basis every month in order to have the student loan paid on a timely basis every month. On XXXX/XXXX/2016 I received another voice mail from Navient and I returned their call. They informed me that payment had not been done for XXXX 2016 and the amount of {$360.00} was still owed. They wanted to place my account in forbearance which means that I would be charged added interest and fees. I refused because account is being drafted on a timely basis. Most importantly, the check was sent to Navient who then applied it to the wrong account. I left email for XXXX XXXX XXXX on this matter. I contacted XXXX and Navient a number of times and they have informed me the following : XXXX XXXX reported that they were working on this matter and had spoken to Navient ( supervisors ) and were informed by these supervisors that the check that was received was applied to a wrong account. Navient agreed to back date check to XXXX/XXXX/2016. Navient continues to call me stating that they need payment and informed me that XXXX XXXX XXXX had sent the check to the wrong address. I explained to Navient what XXXX XXXX explained to me but Navient reported that their system is only showing that the check is going to be returned to XXXX. Navient continues to leave me voice mails either by a live person to return their calls immediately or by their automated system. In the time that I have had my student loans I have never had any problems with timely payments. This matter needs to be rectified as soon as possible. I am not happy with Navient and their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.

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 07/15/2016 about Prepaid card (Gift or merchant card) with Blackhawk Network Holdings Inc. (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: Tried to load my prepaid card using the reloadit pak on the website given and constant technical difficulties, customer support was terrible and they saying a refund is 30 days, i need my money as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Adler Wallach & Associates, Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I surrendered my vehicle back to the bank last year. Eventually the vehicle was picked up. The vehicle has been resold at a higher price than what I owed left on the vehicle. But my credit reports shows that I still owe them. I have tried to dispute my credit reports. One of the credit report deleted the information. But the others remain.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service ((CD) Certificate of deposit) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Account opening, closing, or management

Complaint: I was mislead to invest in a structured CD 's, that did not earn any % gains over 6 years period, the Broker did not act a fiduciary agent according to SEC regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX and XXXX equfax keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: XXXX separate hard hits to credit by XXXX on XXXX/XXXX/16, XXXX XXXX in XXXX on XXXX/XXXX/16 and XXXX XXXX XXXX on XXXX/XXXX/16 were not authorized by me with any signed paperwork. These loans were not authorized and nothing was closed by me. Dealership was shopping to try to get a deal done that never happened.

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 09/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On XXXX XXXX XXXX I withdrew using XXXX the amount XXXX to my XXXX account ( # XXXX XXXX XXXX NWBK XXXX XXXX XXXX XXXX ). XXXX convert this to XXXX XXXX XXXX XXXX. I had an email saying the funds would be available XXXX XXXX XXXX. XXXX XXXX after the funds did not arrive I raised a support request through their website Support XXXX # XXXX. On XXXX XXXX I received a reply saying " Thank you for contacting us about this. 
We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. 
Thank you for your patience in the meantime we will be in touch again as soon as we have an update. '' XXXX XXXX I received " Just checking in to let you know that this issue is still unresolved. Rest assured your funds are secure, and we are working hard to rectify this situation as soon as possible. 
Thank you for your continued patience, and sorry for any inconvenience caused. '' Since then I 've received nothing on this ticket and they will not reply to requests for updates of where my money is or when it will be returned. I 've tried twitter and the BBB and the replies I 've had via BBB have just stated there is an issue and nothing else. 

I can see that many more people are having the same issue and although the status on their website says there are no issues obviously lots of people are suffering from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Social Finance, Inc. (CA).
Issue: Getting a line of credit

Complaint: On XX/XX/XXXX I applied for a loan for {$18000.00} through XXXX XXXX. I received several offers. Sofi offered me a 7 year loan with a 10 % interest rate. These were the best terms I received and so I chose to move forward with this company. After having them run my credit and checking my pay stubs they came back with worse terms than other competitors had offered. I spent the last week going back and forth with them and my Human Resources department to provide them the further income documentation they said I needed for them to follow through on the loan terms they had offered on XXXX. After providing them everything they asked for they once again gave me the same loan they originally offered. Essentially I was given the run around in an attempt to wear me down and accept the actual loan terms they always intended to give me which were not the terms I was lured into their company with. Essentially, this is a classic bait and switch situation. I am not taking their loan and hope that filing a complaint here will shine a light on this company 's dishonest business practices so as to spare other borrowers from the same deceptive trap I fell into. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Other financial service (Money order) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Excessive fees

Complaint: I purchased several money orders from Money Gram for which a " service fee '' was charged once the money order had not been cashed within XXXX year ; however this fee was not diclosed upon purchase of the money order it was only diclosed once I requested a reissuance of the original money order. Had the additional fee been diclosed I would have elected to purchase the money order from a competitor, specifically XXXX, in which this fee could have been avoided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (PA).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, my County taxes were paid {$1700.00}, but the due date was XXXX XXXX. There is a separate transaction on XXXX XXXX for " city, utility disbursement '' for {$130.00}, which is the 10 % penalty for being 5 months late. 
On XXXX XXXX, My two township taxes of {$850.00} and {$23.00} were paid, but the due date was XXXX XXXX. There is two separate transactions on XXXX XXXX for " city, utility disbursement '' for {$100.00} and {$2.00} for the two 10 % penalties for it being 6 months late. 
On XXXX XXXX, my school taxes that were due XXXX XXXX, were paid {$3600.00}. There is a separate transaction for 10 % penalty under " city, utility disbursement '' for {$440.00} for taxes being 3 months late. 
Totaling {$690.00} in penalties. 

We purchased this house in XXXX of XXXX and had an escrow account set up with our mortgage from day 1. We do not receive any tax information until we receive a receipt that it is paid or we have received a final notice saying there will be a lien placed on our house if the taxes remain unpaid. Our tax information gets sent directly to the mortgage company, which is the point of having an escrow. The mortgage company is paid to take care of paying all the taxes ON TIME. I was told this is my fault for all the taxes being paid late, but other than making my mortgage/escrow payments ON TIME I should have nothing to do with it. This has been an on going saga for over a month and is still yet to be properly resolved. 
I have filed multiple complaints within the company and the company supposedly " looked into it '', but they keep responding with they have paid my taxes on time which is not true. On their website through my account, you can see that the taxes were not paid on time as well as logging on to my county website to see they were late as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Performance Settlement, LLC (NY).
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint: My complaint is about Performance SLC, LLC taking advantage of my time of need and misleading me into paying for services that I could have performed for free. In XX/XX/XXXX, their services reached out via text about applying for student loan forgiveness. When I called the provided number, it directed me to a representative that said they could help with my loan forgiveness. They suggested that I consolidate all my students loans before making payments and they asked me various personal information about my background and employment. I sent pictures of my pay stubs to evaluate what payment plan would best fit to annual income. My account was created XX/XX/2017 and they put me on a payment plan of XXXX a month and the first payment was made XX/XX/2017. I thought everything was moving well until I started getting noticed about my due balances to my student loans. I then looked up reviews about Performance SLC and XXXX XXXX XXXX online and found out that other students have fell victim to this company misleading agenda for money and third party involvements.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I attempted to obtain my annual free credit report from Experian online and received the message shown on the attachment.   I replied to the message by mail including a request for the report and information as to why I could n't get my report online.   I am attaching a copy of the credit report.com reply whichI find completely uninformative.

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 10/21/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: I have direct deposit with Rushcard, and I was out of town and my card would n't work. When I tried calling Rushcard 's XXXX number, I could not get anyone to answer. My latest deposit should have been deposited on XXXX XXXX, 2015. It was not until I was able to make it back home with no money that I realized that my card would n't work anywhere. Then I discovered I could not access their customer service, and I could n't go to an ATM to withdraw money and I am now behind on all of my bills. I can not get any of my money out from my direct deposit once I finally was able to go online ; it shows that they reactivated an old expired card and placed money on it, but now since I do n't have the card anymore and it 's no longer valid, my money is still locked up in their system! I am past due on all my bills and now I 'm having to borrow money to get to work. Their false promises on social media asking for my name and address and phone number to call me is getting no results, because no has contacted me since all of of this has happened. Please help me recover my hard-earned money ; this is my last resort!

Company response to consumer: Closed with monetary relief