milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
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: On XXXX XXXX, 2017, I was charged {$2000.00} by a medical facility for medicine I had received but that I subsequently found out I did n't need. I returned the medicine to the medical facility and requested a refund. The medical facility took back the medicine but did not issue a refund. I then contacted my credit card company, BarclayCard and initiated a dispute against the {$2000.00}. A few weeks later I was contacted by BarclayCard and informed since I did not have a receipt showing proof that I returned the medicine they could not move forward with the dispute. I explained that the reason I was filing the dispute was because I did n't have a receipt. I was very upset and surprised to find that BarclayCard was unable to further pursue my dispute because that business did not provide me with proof that I had returned the medicine. I was shocked to find out that the burden of proof was on me to proof I had returned the medicine before BarclayCard would even contact the business. As my credit card company, and based on our relationship, I believed BarclayCard should be advocating and representing me directly in this dispute. If the Medical Center wants to respond to the dispute and state that I never returned the medicine, then let that be the case. But to take the side of the business over its customer, before allowing the business the opportunity to respond, is shocking to me. Barclaycard and I have a business relationship that will survive way beyond this one transaction with one this particular business. I expect Barclaycard to represent me in this dispute and allow the business to justify why they have not issued the credit. I can almost guarantee once the dispute is put forward the business will not contest it because that would mean that they are plainly lying. BarclayCard has now denied my dispute 3 times. They are requiring me to pay {$2000.00} for merchandise I do not have and was returned to the medical facility in new and never used or open condition. BarclayCard will not defend its customers against businesses that are unethical.

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 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information, including Name, Address, SSN, and other information was accessed through one of the major credit reporting firms ; Equifax.
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover the breach via a major News Outlet.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Recently Wakefield Associates placed a collection on my credit reports that is a result of stolen identity. I have contacted law enforcement about the issue and have also contacted the credit bureaus and creditors about the problem.I disputed the Wakefield account and furnished amy official police report but they still continue to verify the debt as mine when in fact it is n't because i was a victim of fraud. Even if the account was mine according to the FCRA and the FDCPA a collection agency can not verify anything but only validate. i 'm not questioning the validity of the debt but I 'm standing firm on the fact that I can not be held liable for something I did not do

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 11/14/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Billing disputes

Complaint: Have a citi bank master card credit car. I had a balance on the card of {$170.00}. On XX/XX/XXXX, I paid the balance. I had a late fee on the card because I had moved. On the phone they agreed to waive the late fee. On the phone I asked to pay my balance which ( after they waived the late fee ) came down to {$140.00}. Recently I have been receiving late charges because the Citi bank customer service represented did not waive the late fee. I made sure that I did not have a balance on the card before getting off the phone. As of today, they are saying I owe over {$120.00} in late fees. After talking with numerous representatives they are now saying that the XXXX did not waive the fee in XX/XX/XXXX and as a result additional late fees were added on the account form XX/XX/XXXX. They offered to take off XXXX of the late fees off and {$10.00} since the erroneous accrual from XX/XX/XXXX but have said their system will not let them take off any other late fees. They have acknowledged they failed to take off the late fee and their systems inability to correct my account but they are demanding that I pay what is left on the card. I should not have to pay- 1. I paid off the balance of the card ; 2. have not used the card, 3. they admitted they failed to take off the late fee in XX/XX/XXXX ; 4. admitted they could not correct the issue because its a system issue.

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 07-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian credit reporting company has re-inserted an account ( XXXX ) with incorrect information on my credit report. This credit account was showing as paid as agreed but listed in accounts that are potentially negative. ( which is incorrect ) this account should be showing as accounts that are in good standing. Today I checked my credit report as I monitor it very frequently and noticed that they re-inserted a 30 late payment in XXXX/XXXX/2016. This account was never paid late. This information is Incorrect and is affecting my credit score in a negative way. I am submitting this complaint because I have been waiting patiently as told for them to update my credit reports. Now I see this information is being reported. This account ( XXXX and XXXX ) which are both held by XXXX should be showing in accounts that are satisfactory and in good standing. They are reporting paid as agreed but listed under potentially negative account. This is ridicilious and I am very close to seeking legal advise in pursant to sueing the credit reporting agency 's along with the credit card companies who are reporting this incorrect information.

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 03/31/2015 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I refinanced ( closed ) my VA home loan on XXXX XXXX, 2015 with XXXX in good standing. XXXX became my new lien holder and funds were wired to XXXX on XXXX XXXX, 2015 from XXXX to XXXX. XXXX sent payoff to Nationstar Mortgage on XXXX XXXX, 2015 but transferred loan servicing to XXXX. I paid my XXXX bill to XXXX and then started receiving notices from Nationstar that my loan was past due. I 've attempted to contact all parties involved without success. My last request on the phone and written was to Nationstar asking them if payment has been applied to the loan and/or my unapplied balance - the answer is no. Neither has been responsive in the past 10 business days to my request. Since then I continue to receive threatening phone calls from Nationstar as well as foreclosure notices. Nationstar is also holding my escrow account which needs to be refunded to me. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company foreclosed on my home after Ifiled complaint by way of case # XXXX. After I filed acomplaint in XXXX, 2015, I still did not receive anycommunication from Nationstar Mortgage and theyforeclosed on my home without giving proper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (Payday loan) with Wilson, Riley & Associates (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: on XXXX/XXXX/XXXX I received a phone call from someone claiming to be from a law firm called wilson riley and associates stating that they were going to be filing check fraud charges and take other types of legal action against me because they stated that i had not paid back the loan. 

I had paid a collection agency a settlement on the original loan in the amount of {$270.00} in XXXX. Upon talking to a representative of the law firm they told me that they had spoken with the collection agency that was told they had no record of my payment and to avoid being arrested and jailed i must immediately pay them. 
They did n't want to see my record showing that i had paid the debt. 

On XXXX/XXXX/XXXX they got hostile and hung up on me when i informed them that i was recording the conversation and that under the fair debt collection act they had to send me a letter in the mail containing information related to the debt that they claim i owe. 

XXXX and riley is not a legitimate law firm or a debt collector and upon further research other people have had similar experiences with these people. 

the number they are calling from is a XXXX michigan number but they claim to be in new york. their number is XXXX XXXX XXXX. 

also on XXXX/XXXX/XXXX they called my brother from another number and stated that they had warrants out for my arrest related to the issue stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with PLAZA HOME MORTGAGE, INC. (WI).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX, I made an on-line payment to Plaza Home Mortgage as an additional principal payment to my mortgage with a posting date of XX/XX/XXXX. On XX/XX/XXXX, I decided to cancel the payment. I attempted to cancel via the website but was unable. I called customer service and the agent stated that he was unable to cancel the payment as there is only a four hour window where I was able to cancel. 

In the past I had previous poor experiences with Plaza including, but not limited to, providing incorrect addresses for insurance billing which nearly resulted in my insurance being cancelled and not properly filing copies of my insurance which resulted in Plaza threatening to initiate a policy of their choosing, despite the fact that four copies of my insurance were previously provided. In my previous complaint, Plaza took no responsibility for their errors and even made hints that the problems were my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Customer service / Customer relations

Complaint: I have had a master card account since XXXX, services by Bank of America for at least the past XXXX plus years. When paying my XX/XX/XXXX bill, I followed the instructions on my payment slip to advise Bank of America of my new mailing address ( Their printed instructions ). On XXXX XXXX, I received my XX/XX/XXXX bill, however it was addressed to my old address & forewarned to me by the post office. I called Bank of America customer service. After endless waiting & being disconnected, I finally spoke with a so called supervisor named XXXX. He told me they still had my old XXXX address on record & not my new XXXX address. I explained that I followed the instructions on the XX/XX/XXXX payment slip. He proceeded to scold me & tell me it was MY fault & that I should have called them to make the change. Several times I read to him the printed Bank of America instructions on the payment slip, and every time he interrupted me to say it was my fault & I should have called. He would not answer my question of why the Bank 's payment slip says to do it the way I did ( which by the way worked with XXXX or XXXX other credit cards! ). He just kept saying it was my fault and was so rude I simply said to please cancel this card! I have emailed a few people at Bank of America, but I doubt I 'll hear from them! Imagine treating a cardholder since XXXX so rudely? If this shows up as anything other than account closed at customer 's request, there could be a negative impact on my credit! This XXXX was so obnoxious, I would n't be surprised if he logged the closing as bank request!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: I co signed a car loan for my daughter after it was all said and done i was first on the loan. My daughter made payments Santander applied payment to the wrong account once that started my daughter got behind on her payments. Santander never once called me or sent me a letter to inform me that the payments were late and not made. With my name being first on the loan i would have thought the banking institution would have called me. When i found out the car was repo i called Santander to try and fix the problem. I could have got the car back for XXXX but, that was not the final fees once i went to pick up the car it was another {$1200.00} for fees towing, impound, cleaning, storing, gate fee etc. I was never told that by Santander. If Santander would have notified me I would have made the late/ missing payments ( XXXX ). There are bad reviews on this bank they are sneaky and not willing to be ethical in there business.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (VA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX I froze a joint home equity line so no additional withdrawals could be processed. XXXX XXXX XXXX a {$60000.00} advance was processed, I notified bank within 24 hours of the advance that error had occured. I provided the signed document of the freeze, made several calls, sent emails. I was told they were " diligently '' working to resolve problem and would notify me. I requested emails, did not receive, I asked for corporate office to contact me, not done. It is clear BB & T made a {$60000.00} mistake and has not provided appropriate customer service. I want the {$60000.00} removed from the home equity line. BB & T needs to not hold me responsible for their mistake, investigation into how they failed to freeze the account ( again I have provided them with THEIR form that I signed at THEIR bank ) is not my issue, I am not concerned with BB & T 'S personnel or computer errors or why it occured. BB & T made an error, that has not been corrected nor provided me with appropriate customer service since informing them of the error.

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 03/26/2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I have received a credit report marker for a thirty and sixty day credit marker for my XX/XX/XXXX and XX/XX/XXXX payments. However, I had arranged a deferral contract for my monthly payments to be extended onto the end of my lease period. Because my monthly payments were brought up to date via deferral - my account was brought current in XX/XX/XXXX. I am requesting for the credit markers to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Medical debt) with Dynamic Recovery Solutions, LLC (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: XXXX XXXX called my cell at XXXX XXXX on XX/XX/XXXX. I did not answer the call nor did they leave a message. On XX/XX/XXXX they called again, this time at XXXX XXXX. At this time I asked them to never call me again at this time of the morning. I let the representative know I live in California and they were calling me too early. On XX/XX/XXXX I received another call, again at XXXX XXXX. I told the representative that I was reporting them as I have a right to a quiet morning. Also, the debt in question is over 8 years old and I'm not certain it is mine debt.

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

Complaint: Equifax Inc. suffered a cyberattack that affected 143 million U.S. customers with some people in other countries as well. I am one of those people. I visited www.equifaxsecurity2017.com and it said I was a potential victim. I feel they have mishandled my information and used it improperly by securing it in such a poor way. A major credit bureau should have an extreme detail to their cyber security and Equfax failed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Other transaction problem

Complaint: I am a user on XXXX and am trying to transfer my XXXX from my XXXX Etherum Vault to my XXXX Etherum Wallet, however, it appears that some how my secondary email ( which is needed to confirm a transfer out of a coinbase vault ) is incorrect. On XXXX/XXXX/XXXX I initially created a withdrawal, however, after 3 weeks my XXXX was still not available. I called XXXX Support on Monday XX/XX/XXXX and was told they are unable to change my secondary email address. The only way I can access this currency is to have my primary and secondary email approve the withdrawals, so unless XXXX can help me, my Etherum is inaccessible. 

A secondary issue that I have been dealing with sinceXX/XX/XXXX is my account is locked, so I am unable to make any additional transactions. I have called and emailed support upwards of 20+ times and have never been given a way to unlock my account. The phone support says to email my issue, but when I email, I never receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Bank account or service (Other bank product/service) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: Santander Bank did not send my XXXX. They told me I could not receive another until XX/XX/XXXX. They said it was mailed XX/XX/XXXX ; however, it does not take more than two days to send and receive mail from within 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
Consumer complaint received 10/23/2015 about Mortgage (Reverse mortgage) with Finance of America Reverse LLC (MA).
Issue: Application, originator, mortgage broker

Complaint: Applied for a Reverse Mortgage at Urban Financial Of America. Send in every document that was needed to complete the process. The loan officer XXXX XXXX mention to me.he did not know how to work on a purchase reverse mortgage but the company will complete in a.couple of weeks. This was the first week in XXXX. They waited the last minute to do the appraisal. The company asked me XXXX separate occasion for the same documents. I spoken to various levels of commands in the company still nothing. My identity was stolen 2 years ago.submitted the police report and other documentation of that incident. They were fine with that. I was told at 2 weeks ago that I had to pay for half of the appraisal. If I was told.in XXXX it would have been done in XXXXEverything Received the Good Faith Estimate in XXXX. I signed all documents and returned them. Conference calls up my Broker and Urban Financial Of America. UFA makes excuses at the last minute why they missed the call. 
I am a very frustrated consumer. I NEED your HELP. I do n't want to lose this property. I want settlement no later than Wednesday, XXXX XXXX I do n't want to loose this property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid my account off with XXXX XXXX XXXX and have never missed a payment. I paid them off on XX/XX/XXXX, and I made all credit bureaus aware of this once I noticed that this information was being reported incorrectly. I was dismayed to find out this information hasn't been reported correctly and even after providing proof to all credit bureaus of this they have failed to update this information even after being notified XX/XX/XXXX. Please assist.

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 07/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (CA).
Issue: Settlement process and costs

Complaint: The mortgage company sent us a letter of approval for a conditional short sale, then dropped the ball and wanted us to resubmit all paperwork. All documentation was presented in a timely fashion well before any deadlines. The mortgage agent told our sales agent that someone in the company had dropped the ball because of the XXXX of XXXX holiday, yet I received a denial letter stating the conditions of the sale were not met. The price offered was too little, yet was equal to the counter offer the mortgage company had demanded. My sales agent was shocked when I sent her a copy of the denial letter because it had the mortgage agent signature on it, not some other department. After many calls and emails the agent and her supervisor have not responded. All calls are suposed to be recorded, and we have documentation of all emails sent and received.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief