milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NV).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I was in the market for some appliances and when searching for them I was told I could buy them on the sears credit card a t zero pe rcent interest. It turns out that it was n ot zero p ercent interest but rather it was deferred interest. I was hit with almost {$500.00} in interest in  XXXX  and just came of find this out after wondering why this account still had a balance. I looked through my  XXXX  statement and it looked like an ordinary statement nothing that specifically called out to pay the remaining balance on the account.     I ca n't pay an additional {$500.00} when I only owed {$180.00} on the appliances I bought prior to being hit with these ridiculous interest.     Their store associates need to be clear about how they are explaining these interest plans between deferred and zero interest.

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 01-11-2018 about Debt collection (Medical debt) with United Resource Systems, Inc (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an outstanding bill with this company. That was never my responsibility. During former disputes I requested debt verification that was never given to me. I also advised the original creditor that the hospital bill in connection with her services where paid in full by the state of Illinois. ( Can provide proof upon request ) she straight out refused to bill XXXX and I never received a bill from her for her services. I also never received a bill from this company before I was submitted to the credit bureaus. There reporting reported once a month adding about XXXX dollars to the collection which I did not agree to nor was I advised. XXXX XXXX recently sent a letter to this company which was returned to my address. They sent debt verification to my house with the original contract and bill from the original creditor this will be sent to the state of Illinois tomorrow. Now with them adding money to the bill it came out to XXXX but on what they sent me and now on XXXX it shows XXXX as in picture down below. I 'm not sure this is legal as I did n't sign for them to do this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with SANTANDER BANK, NATIONAL ASSOCIATION (RI).
Issue: Unexpected or other fees

Complaint: My husband tried to wire {$4000.00} to his ailing parents in XXXX. He went to the branch of Santander Bank on XXXX XXXX in the XXXX XXXX of XXXX ( zip code XXXX ). The bank record showed that on XXXX XXXX, {$4000.00} as well as {$40.00} wire transfer fee were taken out of our checking account. On XXXX XXXX, I received a message from the branch manager saying that there was a problem. I talked to the manager who told me there was a discrepancy for the receiving account ( name and account number did not match ). I told her that I did not have the relevant information to help her and my husband was out of town but he would be back Monday. My husband went to see the manager on Monday and together with the branch manager they figured out the typo. He told me everything was all set. On XXXX XXXX, I found XXXX entries on my account : " incoming wire transfer ER '' for {$3900.00} and " incoming wire transfer fee '' of {$13.00} dated XXXX XXXX. So my husband 's wire transfer did not go through but we were charged a total of {$93.00} in fees ( for nothing ). This is outrageous. An outright highway robbery. Today, my husband went to see the branch manager who only agreed to refund {$13.00} for the incoming wire transfer fee. We will still be out {$80.00}. I do not know how wire transfer works but common sense tells me this is just not right, if not out right fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Transaction issue

Complaint: I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX/XXXX/2015, to a company called XXXX XXXX XXXX in the amount of {$6600.00}. I have recently come to the conclusion that I have been victimized by an online business scam. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation .I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people making promises and telling lies. They did not provide the services as described.

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 08-12-2016 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Taking out the loan or lease

Complaint: I have notified World Finance that I was a victim of Identity Theft, my wallet was stolen, I provided World Finance with a Identity Theft Affidavit. To date, World Finance has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had XXXX disbursements between XXXX XXXX and Department of Education, now known as Navient. One year I sent in a check for XXXX specific loan which was higher interest. The following month, every other loan took more out of my monthly payment to make up for overpaying the other loan. I have had loans separated into individual groups to ensure the overpayment does not effect the other payments. Why do I have to do this? At least twice after that I was told that everything was all set and payments would continue to withdraw and apply at the same amounts which did not. One time they did not restart the ACH payments for the next month which cost me more money toward interest. I would like CFPB to review my payment history and the number of times the amounts " due '' have changed every time I overpay. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax failed to verify disputed items within 30 days. This is the second time this has happened. I certified mailed them over 60 days ago and still no response to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was told the other day during a credit inquiry about a negative report from XXXX that I think is incorrect. I went directly to XXXX, but of course they want to charge me money. Instead I used XXXX and submitted my info. I selected that I wanted all three reports, but once I hit enter- I was automatically sent only to Equifax where I filed my dispute. When I tried to return to access the XXXX site, I had to completely start over with filling in my info at XXXX. THis time I specified that I only wanted to go to XXXX but once I reached the site and filled in my info AGAIN, they were having 'technical difficulties ' an were unable to process my request. Okay- so I went back to XXXX and this time I filled in my husband 's info so I could go back to Equifax and dispute the exact same incorrect info on his report. I selected only Equifax for a report, but once I got there, they said they were unable to fulfill the request and that he would have to download a form and mail in the request. I know they are trying to make it difficult so we 'll pay to get the exact same information that they are required to provide FOR FREE. 
Another way I know they are trying to make it difficult : When I did manage to file the ONE dispute with Equifax , they provided XXXX characters for comments about the dispute. First off XXXX characters is way too few and they DID N'T ALLOW SPACES! When I tried to hit submit I had an error message that said 'only use allowable characters XXXX,? -. ' I edited my comment to ensure I only used those characters ; SAME ERROR MESSAGE three times. I finally tried removing all spaces from the comment, but I ca n't imagine lots of people would be so determined. They WANT US TO FAIL! In no way did the error message advise me not to use the space bar when typing my comment, but it tripped an error anyway. Only when I removed all spaces would the disputed claim be allowed. 
It 's not about the money- I could go through the trouble of signing up and then cancelling a subscription service, but it 's the ABUSE of POWER that burns me up!!

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I made a payment to speedy cash. I was aware that I owed them money.However they withdrew the entire amount that I owed them without my permission. I was making payments to the company. When I called them to complain they refused to reimburse the amount. I had to contact my banking institution and report it as fraud. I would like to sue speedy cash for violating its terms with the fcra. I was having a financial crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: The statue of limitations has expired on the debt in question XXXX it has been more than 6 years from the date of default ). Furthermore, I was not served process by personal or substitute service as required. The Plaintiff XXXX XXXX XXXX XXXX waited too long to bring this case XXXX laches ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Problems caused by my funds being low

Complaint: I am writing to file a complaint against Chase Bank for moving XXXX of my transactions around to charge me XXXX extra overdraft fees. Currently, I have XXXX overdraft fee charges on my account, and I was expecting XXXX but I feel like the other XXXX are unjust. The XXXX transactions that I was unjustly charged the overdraft fees for were made before a larger ( XXXX ) cash advance. But, the cash advance ( made evening of XXXX XXXX ) was processed before these XXXX smaller charges, a XXXX XXXX charge on Friday XXXX XXXX and a {$10.00} ACH Debit on Monday XXXX XXXX, causing me to receive XXXX additional overdraft charges.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (DC).
Issue: Other transaction problem

Complaint: I wired my money ( {$8000.00} ) to Coinbase USD Wallet. The money was successfully wired. However, after receiving the money, Coinbase requires me to give them my social security number to buy, sell, withdraw that money. However, I do not have an SSN, so I can not do anything with my money. I have contacted Coinbase via email on XX/XX/XXXX, but haven't received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: With the Equifax problems I went on line and I do n't think it was the correct link. I put in my info I think I got a verification code and it said a PDF file could not be opened to verify my freezing my credit. Some thing was blocking the adobe PDF, but if I could n't open it they had a number to call. The line is always busy.XXXX I do n't remember the link.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alorica Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: West Asset Management continues to harass me looking for payment on a debt from XXXX of 2014. XXXX XXXX is using their services. 

My insurance company, XXXX XXXX XXXX - has attempted to contact West asset and XXXX directly a number of times, and I actually got a rep from XXXX on the phone with a rep from West Asset management last month - I was told I could not listen to that conversation - to sort this out. 

I got another call today from West Asset requesting the same payment. I have confirmed with XXXX that I do not owe this amount and are happy to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX kept sending me bills for items I had already paid on or paid in full. I finally gave up calling them and sent a complaint to this agency. They then sent me a bill for the final, remaining combined balance. It was correct, so I sent in the payment of {$64.00} on XXXX XXXX, XXXX. Thinking it was now all over, I felt calm and went on with life. 

Yesterday, in the mail, I got a letter from " Sunrise Credit Services , Inc. '' on behalf of ... wait for it ... XXXX!!!! It is XXXX XXXX, XXXX!!!! They have an account number and balance of {$82.00} and give XXXX XXXX. XXXX where you have options on " if you pay by ... send {$62.00} '', which gives you {$20.00} off '', etc. It also declares you can use your " Tax Refund '' to clear up this debt ... Call us ... We 're happy to help! We can Grant Your Wish ''. Oh, and by the way, the last line says : " This offer will expire on XXXX XXXX, XXXX. We are not obligated to renew this offer! '' Not that I need this offer, but if I did, I only had one day to respond! Unbelievable these people! 

I refuse to contact them and deal with this again. It has been paid. If they put this on my CREDIT REPORT, I am going to explode! 

XXXX needs to get its records straight on how much people pay on their so-called " installment plans '' and when the bill is paid in full. Apparently their bookkeeping department is deficient and causing stress to consumers of the goods they advertise and sell. I thankfully kept ALL of my records from the time I ordered until I paid off the bill. Otherwise, I would have possibly been fooled into thinking they were correct! How many of our elderly out there are falling for the faulty billing practices of this phony give-a-way program? It should be investigated! 

Now, I am asking for your help with this bogus credit company trying to collect a debt that I do not owe. I appreciate any assistance you can give me in this matter as it is extremely frustrating and ridicules.

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 04/27/2015 about Credit card () with PAYPAL HOLDINGS INC. (WA).
Issue: Unsolicited issuance of credit card

Complaint: I have used PayPal for years, with my charges being deducted from my bank account. I enjoy the convenience of PayPal while shopping online without having to enter my credit card number for each transaction. 
Earlier this year I began receiving emails saying I owe PayPay Credit money. I never knowingly applied for credit with PayPal. I called right away and settled the account, asked it to be closed, and also asked how I ended up with a credit line from them. They were unable to provide a good explanation on how the account was open. 
I have since received more emails saying I owe an additional balance. I assumed it was an error until I received a collection call today. The collectors were rude and demanding. It turns out that I did make purchases that I thought would be coming out of my bank account, as they had before, but instead ended up on a credit line that I had previously closed. I settled the amount of my original charges after finally getting the collector to waive late fees and finance charges. My biggest concern ( besides getting called at work on an account that should never have existed ) is that I still do not know how I ended up with a PayPal credit line, and that others may end up in the same situation. I am responsible enough with my debts to know what I owe and what I do n't. My fear is that others who are less diligent will have accounts open and accrue late charges and interest without ever meaning to. In my opinion PayPal credit was deceptive, if not fraudulent, in how I got a line of credit in the first place. Practices such as this should not be allowed. Now I ca n't use the convenience of PayPal for fear that the charges will again end up as a debt instead of coming out of my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, my mom passed away, leaving me to deal with the mortgage, on XX/XX/XXXX I noticed that the escrow account was not being properly handled and paid. I requested to cancel the escrow with the lender and proceeded to pay the taxes and insurance on my own. Ocwen " the mortgage company " were still charging me escrow in my payment. therefore over charging me. I called to get things figured out. A man name XXXX who stated to stop making payments until they can figure it out. They have yet to do so, even after months of talking with several different people from Ocwen. So I decided to start paying it for fear of foreclosure and false info from the bank. I mailed a paymant, hoping that would at least get some attention on my account. The bank Mailed it back. Now the bank os refusing to take any payments. They have refused to stop charging me Escorw and now are refusing to talk to me or even transfer me to a supervisor. I need help because they are unfairly handling my mortgage, as well as over charging me in fee 's and escrow. I believe they are taking advantage of me and I do not know where else to turn .Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Deposits and withdrawals

Complaint: I opened a Scottrade Bank account a while ago. Scottrade Bank closed the account without providing a proper explanation. I have requested an explanation from Scottrade but every time I call them they say they will only speak to customers and since my account is closed I am not a customer. 

I would warn others of this behavior, if you have any dispute with Scottrade, I would advise that you withdrawal all of your funds before brining it to the attention of Scottrade as it is likely Scottrade will place your money in limbo and not allow you access to it. 

Now Scottrade wo n't even respond to my complaints. If this is how a business treats customers, well, I will happily take my money elsewhere.

Company response to consumer: Closed
Consumer complaint received 11-12-2017 about Debt collection (Other debt) with Source Receivables Management LLC (NM).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: SOURCE RECEIVABLES MANAGEMENT, is attempting to collect a debt for XXXX that has been paid in full. This is reporting as a derogatory mark on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Settlement process and costs

Complaint: I have run into a deceitful issue dealing with Wells Fargo on my mortgage. Since we reached the 78 % of the LTV ( Loan-To-Value ), through normal amortization and met the requirements to remove the Private Mortgage Insurance PMI, ( No past due payments, loan aged more than 27 months ), we sent a letter to remove the PMI from our loan, but Wells Fargo said that was not possible because we still have more than $ XXXX to go. 

When we saw the Wells Fargo answer, we reviewed the loan documents and discovered that when we refinanced back in XX/XX/XXXX they used the XXXX loan amount from XX/XX/XXXX as the home appraisal which presently differs of more than $ XXXX. In the other hand, we did not received the amortization schedule of the refinance, even if we have been asking for the document since the very beginning. 

Now their letter stated that we have XXXX options : Option1 ; Send them a check with the difference to reach their 75 % and Option 2 ; Provide proof of the value of our home value which must be determined by having an appraisal done by them, or order a Brokers Price Opinion, ( BPO ), both options at our expense. In either case, the ultimate decision is theirs and we do not have any certainty the PMI will be removed. 

We consider that the refinance process was managed improperly, based on incorrect very ambiguous and distracting information, so that guided us to take misleading decisions like the PMI not being discussed. Are we alone, or is there anything we can do?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation