milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (VA).
Issue: Other service issues

Complaint: XXXX, now operating under the umbrella of XXXX XXXX is the company that bills me for water and sewer. I like to pay online ( no one uses checks these days ) but the only way I can pay online is through Western Union speedpay. This service costs an additional {$3.00} on an average monthly bill of {$50.00}. Is it fair to be paying an additional 7 % year in and out on my water bill just so I can pay online? I realize regulating a utility company may be outside your scope ( please direct me to the right place if so ). However, I was wondering if Western Union was providing any kickbacks? Why would the energy company burden customers for years with a very expensive service just to pay the bill online?

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Mortgage (VA mortgage) with U.S. BANCORP (NJ).
Issue: Struggling to pay mortgage

Complaint: Filed for Mortgage Modification with US Bank. 

First application XX/XX/XXXX, after several paperwork sent and wrong processing they denied the modification. 

XX/XX/XXXX sent modification appeal, they took 3 months and came back and said that they did not have all paperwork, purposely delaying the process. 

XX/XX/XXXX new modification sent. 

XX/XX/XXXX they apparently approved it and my payment from XXXX was modified to XXXX as a trial plan for three months. 

XX/XX/XXXX asked processor several times how this payment was going down? lower APR? or how was the payment going down, they will not give me this information and said that I will find out once I receive the permanent one. 

XX/XX/XXXX received the new statement and escrow review, the new payment was XXXX same amount as the proposed modification, so in reality the modification was the same payment as the new payment for XX/XX/XXXX. 

Called to check on this and the processor said that the XXXX could go down since if the APR is modified and the new escrow review, etc could help. 

Today I received the permanent modification after 7 months of paper work, emails, calls. They raised my APR from XXXX to XXXX. They also extended 25 years to 30 years and charged me XXXX for capitalization. 

How is this modification helping me? when a customer applies for modification is because they are having issues making a payment, and the bank will come back to raise the years for payment and the APR??? 

Please investigate.

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 01-06-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: At XXXX pm - XXXX XXXX, XXXX I have done a deposit from an external crypto exchange ( Binance ) of XXXX Litecoins to XXXX ( company of Coinbase ), but those crypto currencies are n't arrived in Coinbase as the notification promised.I received thoug an notification that the deposit was received at Coinbase and also that it was forwarded to XXXX. After that I received an mail that the last stap ( automatically forwarding to XXXX ) went succesfull but I had to transfer it manually from Coinbase to XXXX. But this wasnt possible! 

XXXX XXXX I have filed immediately an ticket to support of XXXX, telling the whole situation and asking for immediate solution, this didnt help. Case number is XXXX. 

I called the support line of Coinbase and they basically even didnt know how XXXX worked and they could tell me more then saying that they would it escalate to an XXXX specialist. I received an confirmation of this. 

So I am now 8 days waiting for those XXXX 's, but still did n't arrive. As a day trader this is my job and bread. I lost many trade possibilities and indirectly make losses because of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/XXXX Ditech increased my escrow payment from {$230.00} a month to {$490.00}. When I called Ditech then I was falsely told that my real estate taxes had doubled but later I checked and found that to be false. Then when I called again I was told that Ditech had under estimated my new taxes therefore they had sent me a check for a surplus in the amount of {$1600.00} back in XXXX of XXXX. Mind you I went ahead and spent these funds on a new water heater for my residence. Therefore Ditech stated because of the false surplus check they had sent that now starting in XXXX XXXX my escrow account was negative, and that I had to make a payment of {$490.00} a month for my escrow account instead of my regular {$230.00}! I pleaded and explained that this was really a terrible hardship for me ( a senior citizen on a fixed budget ) but to no avail. I was threatened with being reported to the credit bureaus for being late or delinquent on my mortgage therefore I was forced not only to pay the additional escrow amount but also XXXX time paying a {$12.00} pay by phone fee since that was the only immediate payment option. I have continued to pay my regular mortgage payments plus the additional {$260.00} ( XXXX ) for my escrow for 8 months now ( XXXX XXXX thru XXXX XXXX ). Finally on XXXX/XXXX/XXXX I sent an email to Ditech once more asking for a review and I was told by their XXXX XXXX, XXXX letter that it would take 30 days to investigate. Today when I called I was told a letter was sent out dated XXXX XXXX, XXXX ( which I have not received as of today ) stating Ditech will not change my escrow amount even though to date I have paid {$2100.00} extra funds in escrow since XXXX XXXX. At this point I feel I am being penalized heavily all due to Ditech 's own accounting errors, and finally why should I be made to continue to pay when I have already paid well over the {$1600.00} erroneous surplus amount sent by Ditech?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The United States Postal Service utilizes Equifax to verify the identity of people wishing to use enhanced features of their website. I have been presented with XXXX different questions to verify my identity and each time, the verification fails. The questions asked provide XXXX different answers and then a final " my answer is not shown/not applicable ''. For each question asked, the correct answer IS XXXX of the choices provided. The USPS has told me that this is a service provided by Equifax. Equifax disputes this and wants to send more documents to verify my identity and has been unable and unwilling to address what can be done to correct the situation so that I may verify my account with the USPS. Also, while on the phone with the representatives of Equifax , they repeatedly have asked me to get a copy of my credit report even though I received one this morning. And they do not show any record of that. They 've told me that they do not have my PO Box on file, however that is the address used to obtain the report this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with HireRight Solutions, Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My potential employer requested a background check from HireRight. I received a notice from my employer that they would not hire me based on information they received from HireRight. Their report included a criminal conviction from 1988 that is an error. Also, the background check was only supposed to go back 10 years but clearly they went back 30 years to find a record that does n't even belong to me. My problem is that they 're reporting is haphazard at best. Surely, they must have access to a myriad of other data points that they could have used to discount this erroneous record. Lastly, they asked for documentation to clarify past employment. I sent them additional documentation which they did n't even bother following up on.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Managing the loan or lease

Complaint: I entered into a written contract with XXXX XXXX who then sold it to Santander consumer usa. In the contract is states on the back that, " Oral agreements or commitments to loan money, extend credit or to forbear from enforcing repayment of debt including promises to extend or renew such debt are not ENFORCEABLE. To protect you ( borrower ( s ) ) and us ( creditor ) from misunderstanding or disappointment, any agreements we reach covering such matters are contained in this writing, which is the complete and exclusive statement of the agreement between us, EXCEPT as we may later agree in writing to modify it. Santander breached this agreement when they offered me deferred payments without modifying my contract in writing. I will be mailing another copy of my contract via usps when i receive the hard copy complaint form in the mail. I am unable to upload a copy to attach to this form. I DO NOT want to be contacted via email since I never received a reply from my first complaint. To keep this from happening again i prefer to receive all contact by regular mail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been trying to get verification and validation of an account owned by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is not even recognized by Consumer Finance Protection Bureau and they have no listed address for them listed as a financial institution. Commenity Bank or XXXX XXXX XXXX have failed to provide any documentation proving this debt was passed on from XXXX XXXX XXXX to their offices. They have not provided any written or signed application or documents concerning this account after many repeated attempts. The only notice they continue to send in one statement and a notice saying Commenity sold CRA the account but no legal documents or contracts

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with Pro Com Services of Illinois, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We received a bill from XXXX XXXX in XXXX IL regarding a medical bill for visits. We eventually paid this amount using a XXXX/XXXX account. In or around XX/XX/XXXX we received a note stating the bill was sent to collections and we had 30 days to dispute. I immediately called Pro Com Services of Illinois Inc. and stated that I was disputing the validity of this debt because it was paid. The representative told me to get the dates of payment and she would check with the original debtor. She advised that she would contact me back. Assuming that valid or invalid we would receive at least a decision letter, I forgot about the debt completely after not hearing about it for months. Finally in XX/XX/XXXX while attempting to get pre-qualified for a home we found out that they had reported it to the credit bureaus the day or so before. The XXXX/XXXX provided the following information as well : Check XXXX was paid on XX/XX/XXXX and cleared the bank on XX/XX/XXXX in the amount of 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 09/29/2016 about Bank account or service (Checking account) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with HSBC about 2 weeks ago and I changed my direct deposit to the new account. Yesterday ( XXXX/XXXX/2016 ), I found out by logging to my account online that my checking was slated to be closed without any knowledge from my end. I contacted the bank and they are unable to explain to me why my checking account was closed without any notification. My paycheck is supposed to be deposited to the account today ( XXXX/XXXX/2016 ) and I ca n't access it because the bank closed my account without grounds. I demanded the bank to reopen my account and an explanation but they ca n't tell me why it happened. Now I ca n't access my money for another 2 weeks until payroll fixes my direct deposit to a different bank and I will be behind on my credit card payments. I have attached a copy of my paystub which shows the banks routing number and the pay date.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over XXXX years. This situation is really messing me up at repairing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (CA).
Issue: Rewards

Complaint: I received an email for my BBVA Compass XXXX XXXX/XXXX/XXXX stating " Spend {$500.00} or {$1000.00} in qualifying online purchases and make XXXX Real-time Rewards Redemption through BBVA Wallet and receive XXXX or XXXX bonus points ( enough for {$25.00} or {$50.00} account credit ). This offer is only valid for online purchases with XXXX BBVA Wallet Real-time Rewards Redemption between XXXX XXXX and XXXX XXXX, XXXX. '' I made {$1000.00} of purchases during this time and never got the reward. In XXXX XXXX, I started getting in contact with customer service. After being bounced around several times, being told that I would get a call back and never would, and having to re-explain the issue to multiple reps, I finally got an answer. Unfortunately, I was told that I would not be receiving the bonus because I purchased " gift cards ''. Besides the fact that I did not purchase gift cards, nowhere in the email does the word " gift '' even appear, meaning that this kind of purchase was not excluded. As a result of this decision, I have lost XXXX rewards points which are worth {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: We submitted a loan modification request to Carrington Mortgage in XXXX. They sent a letter stating that they did not receive all of the documentation that they needed for the modification along with a list of missing documents. We sent the requested documents by email and uploaded them to the bank 's loan modification web page. I just received a letter today stating that we failed to give them the documentation that they requested in the time frame they requested it in. The time frame has not yet expired and the documents still are showing on their web site. In addition, we spoke to a member of their call center to confirm that they received the documents two weeks ago and they confirmed that over the phone. It is our contention that Carrington is not acting in good faith in this matter and is in violation of the Federal Rules governing this process as well as potentially committing fraud in an effort to steal our home. I have been out of work for six months and trying to get this taken care of. Their statements have always been that they want to help but it appears now that all they want to do is help themselves to our home.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I called JP Morgan on XX/XX/XXXXwith a complaint about the " Chase Ultimate Rewards '' program. My points are supposed to be worth XXXX  cents per point via their travel site. In trying to book a hotel room via the Chase portal, the rooms were marked up by 20-40 % above what the same rooms cost on the XXXX website.
I asked Chase / JPMC to explain why this was happening and was told it would take 7-10 for them to investigate and get back to me. I told them I believed this was consumer fraud, I asked for copies of the card holder agreement related to the Chase portal and asked JPMC/Chase to confirm that all of my calls with them were being recorded. I asked Chase to self report my complaints to the CFPB at that point.
I am very frustrated that the points I earn are being devalued by the fact that Chase is forcing me to use them via a portal where the hotels are being offered at an inflated amount, not the market value. That means the points are worth XXXX cents, not the XXXX cents in the card holder agreement.
I waited 10 days and did not hear back from Chase. I followed up on XX/XX/XXXX and was told I would hear immediately ( either XX/XX/XXXX or the morning ofXX/XX/XXXX ).
I have given Chase the opportunity to manage this directly with me, but they have n't taken the opportunity to return my call to explain how the value of the points are calculated or why I might be seeing something incorrectly via the Chase booking portal thanks

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to report information that is inaccurate and should have been removed per XXXX XXXX debt XXXX and XXXX XXXX Bank. 
Both companies have stated through my CONSUMER Financial Protection bureau complaint they have sent documents to have this removed from the credit companies. All have removed these items except for Equifax. This is affecting my credit score and ability to get certain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Credit decision / Underwriting

Complaint: [ Case number : XXXX ] I 'm still frustrated with the lack of response from Wells Fargo. I just need to get my ex-husband 's name off of the house. He has n't lived here since XXXX, 2008 and I have paid the mortgage. The mortgage is current. Wells Fargo states that my credit is n't strong enough, which I understand. But since I 've been paying it all along, should n't that be taken into consideration? I intend to stay in the house indefinitely and it is the sole residence for me and my children. I appreciate your help. 

XXXX XXXX ( recently legally changed my name from XXXX XXXX )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (IL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: - Opened a personal checking account at Huntington bank on XX/XX/XXXX - Deposited {$2000.00} via personal check of my spouse on XX/XX/XXXX - Deposited another {$2000.00} via personal check of my spouse on XX/XX/XXXX - Account freeze for verification. Rece

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've contacted  XXXX ,  XXXX  and  Transuion  in regards to some incorrect and fraudulent accounts. I sent in my police report my identification documents and so forth. I 've contacted the creditors who havemt responded so this is my  last str  eet  before taking it to civil or federal court. They have broken the law. Not marking my accounts disputed within 30 days, refusing to send me information regarding disputes or disputes validated, refusing to send validation information or methods and so forth. I 've disputed these accounts numerous times by certified mail and they have not been properly handled or responded too. I 've kept close documentation of communication and recorded conversation pulled.

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 05-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have a judgement/public record on my credit report that has been satisfied/paid in full and I would like this to be removed from my report.

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 08-11-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen mortgage failed to pay XXXX out of my escrow. The insurance company cancelled my policy and did n't rewrite it. They said Ocwen pain but was 30 days late so they canceled me. This is costing me XXXX because they screwed up. PLEASE HELP My name is XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX the loan number with XXXX is XXXX. This is n't my fault but they act like it is. They now want to put me in force placed insurance that I ca n't afford. I 'm having issues XXXX. I 'm retired and on a very limited income. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Back in 2008 or maybe earlier, before or at the beginning of the financial crisis, and while in XXXX, I co-signed a student loan for my parent guardian, grandmother, who is now XXXX XXXX XXXX. She used the loan to continue her education at XXXX. 

I am seeking a removal from this loan as I believe it was an unsuitable loan and arrangement for the following reasons : I was a cash-strapped college student and young adult ( XXXX or XXXX XXXX XXXX ) with minimal working history. 
I lacked the background, cash flows, and credit history to make this deal secure. 
I did not have the background or knowledge to fully ascertain the risks and associated with co-signing the loan. 
And lastly, if I had the mindset of a reasonable borrower, I would have not signed or entered the loan. 
Considering all factors, the loan is unreasonably termed and rated, making it predatory and aggressive. 
Given these combined reasons, I demand Navient release me from this loan.

Company response to consumer: Closed with explanation