milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: They blocked my dispute I complained and they said to bad not doing anything I attached my proof they requested new lease, transfer order of electricity and cable I sent it the responded they will not use this information to investigate but it was information Experian requested specifically. They blocked me from the XXXX mail my online account and phone calls I cont have any contact with the company after complaining

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Bank account or service (Other bank product/service) with Comerica (CA).
Issue: Using a debit or ATM card

Complaint: I am XXXX, in a wheelchair, and my only income comes from XXXX. On XXXX XXXX, 2015, I went to an ATM to take out {$100.00} on my Treasury recommended Direct Express/Comerica Bank prepaid debit card. Several days later I learned that on that same day someone had taken out a total of {$1400.00} on my account, basically my entire monthly income. I submitted a fraud complaint to the bank. I also went to the police station to file a complaint. The police investigated my complaint. They showed me a video of my XXXX XXXX ATM withdrawal. The video showed a woman standing behind my wheelchair while I withdrew money and then later withdrawing my money. In XXXX 2015, I got a letter from Direct Express that they denied my fraud claim and would n't return the money stolen from me. I never learned why but when I called Direct Express they said they would reopen my fraud claim. It has been over a year since that time and Direct Express has still not completed my fraud claim or returned the money stolen from me. I gave my police report to Direct Express on several occasions long ago but they refuse to give me a time when my claim will be resolved or my money returned. I have attempted to get help from legal and other non-profit advocates. Direct Express refuses to talk with these advocates, even when I am on the phone with them or they offer to provide an authorization. I 've called Direct Express dozens of times in the past year but they wo n't tell me anything. Not only is Direct Express not helping with my fraud claim, they are refusing to let others help me with it. I have a limited understanding of my rights in this situation and Direct Express has made it impossible for anyone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have made multiple attempts to obtain a payoff of my loan for the purpose of refinancing. When myself, my lender or my escrow company would request a status update to the request, Seterus would either say they do not have a copy of it or say they will restart the request. I have waited 19 days as of today to receive my payoff and still do not have it. I have evidence that they have received it. I have lost hrs attempting to resolve to no avail. There is no reason it should take this long and there is no reason I should n't be able to print XXXX on my own from their website. I 'm held hostage to this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My personal information was compromised. Someone is trying open up credit card accounts in my name without authorization. When I called the individual companies, they said they can not do anything about it. 
Here are the inquiries in question. 
XXXX XXXX XX/XX/XXXX Miscellaneous And Public Record XXXX XX/XX/XXXX Oil And National Credit Cards I am requesting validation, made pursuant to the Fair Debt Collections Practices Act. I am requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to run my credit.

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 01/31/2017 about Mortgage (VA mortgage) with GMFS, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: We have refinanced out loan ( # XXXX ) leaving GMFS on XX/XX/2017 ( funded on XX/XX/2017 ). Since then we continue to get the run-around regarding the refund of our escrow account from the prior mortgage company - GMFS. An example of this is them telling us 1 ) your loan was sold to another company XXXX ... after we chased that rabbit trail we discovered this was not true, 2 ) you owe us a balance to replenish your negative escrow account, 3 ) looks like we owe you about {$200.00}, 4 ) the notes show that we paid your taxes to XXXX twice and now we have to wait 15 days for it to be refunded ( {$2600.00} ) ... ound and round we 've gone with misinformation being provided. No one calls us back when they say they will. No one can provide us with a statement or summary of our Escrows. 

Additionally, we 're disputing the payoff that was generated on XXXX for our refinance. They claim an initial loan balance of {$580000.00} + interest thru XX/XX/XXXX of {$6600.00} ( our P & I payment is only ~ $ 3k, thus this clearly does not account for our payment made on XX/XX/XXXX for {$4300.00} ), but they wo n't acknowledge this + advance {$2600.00} ( pmt made to cty for taxes that were not due ) + a few misc fees = total payoff of {$590000.00}. They wo n't acknowledge that our payment was n't applied appropriately and thus they owe us that payment back for {$4300.00}. 

The most frustrating piece of the whole situation is we ca n't speak with anyone that has any information. We are only allowed to speak to Cust Service, who then sends an email to the " Client Management Dept '' who apparently wield all the knowledge and information. They will respond to our request by sending and email back to Cust Service who will then reach back out to us. However, we have been calling almost daily for nearly 2 weeks and have yet to receive a call back. Then today during our call, the Cust Service Supervisor advised that she had to provide them 48 hours and therefore we likely would n't receive a response back until XXXX, but " probably XXXX ''. Today is XXXX. XX/XX/XXXX. 

Unfortunately, because we are continuously receiving misinformation, we 're not getting return calls as promised, we 're not able to speak directly with anyone who can provide us with accurate information, and their not able to acknowledge the amount owed to us or provide us a timeline on when we will receive our money, we feel it necessary to file a complaint with the CFBP. Please help us advance movement on this, so we can get a resolution and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Other transaction problem

Complaint: I transferred XXXX bitcoin to my XXXX wallet from another exchange ( XXXX ). In order to do this, Coinbase ( who owns XXXX ) will usually transfer it into my Coinbase wallet, and then it auto-transfers over to the XXXX wallet. 

The Coinbase wallet received the funds fine. I received a confirmation email stating so. Shortly after, however, I received another email from XXXX with the subject line " Attention Required. '' It said the transfer had failed, and to move it over from Coinbase manually. 

I logged on to perform this transfer, only to find that that the Coinbase wallet noted the transfer as " complete, '' and there were no funds in there to manually transfer. On the XXXX side, the transfer was noted as " pending. '' It has been in that state ever since ( over a week now ). It also shows the " estimated payout '' time to always be whatever the present time is when I check it. 

I emailed XXXX support on XXXX/XXXX/XXXX and included all the relevant information ( below ). I received an auto-response giving me a case number ( Case # XXXX ). I have followed up with them by email twice and received no response. I have tried calling and no agent ever comes takes the call, even after 90 minutes on hold. 

I have done other transactions since, but the funds for that transfer remain inaccessible. 

Transfer ID : XXXX BTC transaction hash : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Mortgage (Conventional fixed mortgage) with KEYCORP (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Key Bank never sent me a copy of my XXXX for my mortgage through them. Key Bank recently purchased First Niagara Bank, whom I initially applied for my mortgage through. I emailed Key Bank, and have called them twice, asking for them to please forward me a copy of my documents so I could file my taxes. So far, and it 's been well over a month, I still have n't received the forms.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with DISCOVER BANK (WI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I found out earlier this year that there was a judgement on my credit report when i went to buy a car. Discover credit card company filed the judgement against me back in 2010 and I am just finding out now. I never had a Discover card so I filed an identity theft claim and followed every step. Now after I sent numerous letters to them stateing the crime, they will not investigate the theft and instead they are going to garnish my wages. This is unexceptable to me, I will not be harrassed and pay for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: THIS IS IN REFERENCE TO MY ORIGINAL COMPLAINT WITH XXXX XXXX # XXXX, I am appealing their decision based on the letter I received yesterday from them.. 

I '' m attaching documents that is already received by XXXX XXXX but am emphasizing details on the documents. I do understand I 've submitted +2000 pages if not more to XXXX XXXX and it 's not easy to follow. 

All complaints I 've submitted to the CFPB which are stated below are all connected and related to my Identity theft which originated in XXXX XXXX or XXXX, ia XXXX. Which the 3 financial institutions in XXXX are XXXXXXXX XXXX, XXXX, and XXXX XXXX, and all are still pending an open investigation by the FBI and SEC. 

I '' m restating that all cases or investigation can not be closed until FBI and SEC Concludes their investigation into my Identity theft which started in XXXX and is still continuing to this day. 


XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Product : Student loan XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXXXXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX BANK Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number XXXX Date XXXX XXXX ) XXXX XXXX Complaint number ; XXXX Date submitted to CFPB : XXXX XXXX ) XXXX XXXX  Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX ) XXXX XXXX Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXOPEN Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/XXXX Date sent to company : XXXX/XXXX/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 01/20/2017 about Bank account or service (Checking account) with PNC Bank N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: We opened an account with PNC earlier this week and they turned around and closed our account. My wife got a check from XXXX XXXX fro money that was left to her from her Dad. We went to the PNC in XXXX NJ to open an account. We told them up front we think we owe money and if we do we want to take care of that and open a new account. 
The opening of the account was approved b y the branch manager. with {$100.00} of the {$20000.00} check being clearded right away. then two days later Yesterday the entire check was cleared. Then they took out what was owed to them. then turned around and closed the account. they said corporate looked at the account and decieded to close it because of activities from past accounts. I said well what was owed was paid so I do n't understand what your talking about

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NH).
Issue: Closing/Cancelling account

Complaint: To induce providing my physical address, AMEX suspended my unsecured credit card account to " comply with new government guidelines ''. AMEX promised on taped calls that my physical address would go nowhere, and my mailing address would not change. 

After an Order of Protection on my ex-husband, and a career reducing hacker crime on financial systems - not publishing my physical location for database auto-replication is basic self-protection. 

XXXX USPS forwarding protection breaches required multiple moves, as my physical address would " magically '' get updated across multiple non-USPS databases. I was thankful to find my rights to not register my physical address with the USPS. 

Now, 1 week after yielding my physical address to AMEX, I 'm getting snail mail from the XXXX XXXX XXXX ( to whom I 've never given my physical address ), and XXXX XXXX XXXX XXXX ads with invalid callback phone numbers for someone who has never lived at my address ( probably by a cyber-criminal working to undercut me with identity theft ). 

I appreciate AMEX will say that AMEX " had to have it, because the government made them '' - and that I can not really prove they were the source of the breached data. XXXX and XXXX XXXX XXXX will say my address was certainly obtained through some legal means from some 3rd Party they can not find/reveal. But, I am recording my concern with the CFPB to understand the tightly-wound ( and hopefully unintentioned ) results of empowering credit card companies to do things like suspend credit access to force location information into government financial programs via data-sharing. 

No one is going to be left to protect others digitally, if it is made so easy to allow hackers and other self-interested commercial parties to harm us and others in accountability verification roles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SOUTHERN MANAGEMENT CORP. (GA).
Issue: Struggling to pay your loan

Complaint: The keep calling someone who has asked them to stopped, they call a lot on every phone and leave 2 messages on each phone. I have tried working with them but they will not work with me. The final straw was when someone I knew went to pay on their loan and the manager, XXXX, was nice enough to tell him that i was behind and I needed to come pay him or he was going to come to my house. The person he told this to is not a significant other either.

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 02-06-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX XXXX XXXX sent my job a wage garnishment without me knowing. I was only given 11 days and it's not right. This debt looks like it's from XX/XX/2012 and they have never contacted me at the address on file to make payment arrangements. For them now to try and garnish my wages for a debt that was never verified or validated is wrong. This should be a violation of the Fair Debt Collection Practices Act and I am not sure why this is allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: HI. I have been trying to get a loan modification from Wells, Fargo Home Mortgage. 
I am under a sheriff sale in less than 3 weeks ( XXXX/XXXX/2015 ). I have written to you about this and Wells, Fargo just leaves me a message that they are looking into it. 
I submitted all the information they wanted on XXXX/XXXX/2015 ( the day they told me it had to be in ). Then they sent me a letter that the information was to old a week later. My last letter from them was on XXXX XXXX, 2015 from XXXX XXXX, SVPand it states that they are looking into the inquiry from CFPB and I will have a result by XXXX XXXX, 2015. I have not heard anything from them. 
Please help! We live on XXXX. I ca n't sleep at night. 

Thank you, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problems caused by my funds being low

Complaint: I have been reported by TD Bank on XXXX XXXX,2015 and the information is inaccurate. I was offer an settlement offer on account ending # XXXX, in the amount of XXXX if paid by XXXX XXXX. I set-up XXXX payments to be withdrawn from an different account of {$37.00} which both payments has been satisfied by such date. I contacted TD Bank and explain to them that I was given an settlement to prevent further collections activity. I have spoken to several representatives regarding this matter and no resolution. I have been contacted by a manager and when I tried calling her back I have n't received a follow up called back from TD Bank. This account has been reported inaccurately. Please make necessary corrections. The account should be consider paid in full for the settlement amount I was offered {$74.00} ( +/- ). 

Also, I noticed on my report that account ending # XXXX has been reported for the incorrect amount owed at closing. The account was charged off with an outstanding balance owed {$450.00} ( +/- ) of which I have called the collections company to set-up payment arrangements. Please have amount corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Debt collection (Payday loan debt) with Worldwide Processing Group, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Received a call from Forward Recovery Movement claiming I owed a debt to PAYDAY LOAN for {$500.00}. Asked for number or address to send letter of validation request. Told no need he could request for me. Received letter of verification in the mail today onXX/XX/XXXX18. The letter was datedXX/XX/XXXX but postmarked untilXX/XX/2018. Called to request phone number again to send letter of validation was told I had already received. I stated not then is to validate my debt as I do not believe I owe. Was told it was not their responsibility to help me settle my affairs and I had the information. I explained it did not have even contact information for the creditor. Sent formal letter of validation today to address on letter received.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Barclaycard 's  XXXX  card line was offered to  XXXX   XXXX  military personnel with 0 % interest and no annual fees for as long as you remained on  XXXX   XXXX . I have been a cardholder for over an year and have made this card my primary card during this period.     Since then, the company has reversed its policy twice. First they ceased to promote and offer the initial  XXXX   XXXX  military benefit under thei r Servicemember 's Civil Relief Act  policy, though not retroactively applying this reversal to current cardholders. Second, they further modified their policy to also retroactively apply all fees and interest to current cardholders as well.     While the term offers were very generous, the sudden policy change forces cardholders to either close the card account on an account with recent credit inquiry or pay a significantly greater fee than what was originally marketed.     Finally, when complaints have been made about the reversal of policy, adjudication of those complaints appears to be arbitrary, with no clear guidelines or expectations on what drives decisions to honor or revoke the original agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Trinity Financial Services, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX and my property was foreclosed on XX/XX/2017 by Trinity Financial Services LLC, i was working with them on a modification and after over 12 months of attempts my home was finally foreclosure on, I believe that my home owner bill of rights were violated, i served this country and now i am homeless.

Company response to consumer: Closed with explanation