milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/16/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Due to a XXXX on XXXX/XXXX/XXXX, the judge ruled that we must put our XXXX XXXX condo in Short Sale. I began the process last year in XXXX with XXXX XXXX XXXX XXXX Late XXXX XXXX XXXX XXXX sold the mortgage account to Shellpoint Mortgage Servicing. At that time, I had to begin the Short Sale process all over again under Shellpoint. Since XXXX, I have repeatedly sent the same documents over and over again. They ask for : 1months pay stubs, bank statements, Uniform Borrowers Assistance Form, Dodd-Frank Certificate, Buyer 's Proof of funds, Homeowner Association Statement, 2nd Mortgage payoff letter. Once I ( and my realtor ) send in all of these forms they wait two months and ask for them again. Sometimes they say the forms are not in the file or were lost with the old case manager, and sometimes they say that the forms are outdated and we have to submit them all again. 

Overall, Shellpoint case managers seem to either be very overloaded or incompetent. 
Just one month ago, I was told that all documents look good and are being reviewed by the underwriter. As of today, XXXX/XXXX/XXXX, I am told to refurbish many of these documents all over again. 

It has been a year now since I have started the Short Sale process ( under a judge 's ruling ). I have tried very hard to avoid foreclosure. At this time, I do have a buyer and I 'm scared I may lose them due to the lack of attention to my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: In XXXX I was approved for and received my American Express XXXX card. I began using it and eventually reached a spending threshold on XXXX XXXX, which awarded me XXXX of their Membership Rewards ( XXXX XXXX XXXX, as promised on XXXX XXXX. On XXXX XXXX I was charged their {$450.00} annual fee and I have continued to use this card and have no balance due at this time. After other charges I had XXXX points from this card and my Membership Rewards ( XXXX XXXX XXXX Number ends in XXXX. My credit card ends in XXXX. However, on XXXX XXXX, XXXX points were deducted from my account with no explanation. I have been a customer of American Express for 9 years and have good standing with them and good credit as well. I followed any and all terms and conditions for this card when making purchases and for earning or trying to use points. 
I would n't apply for this card knowing there will be no bonus awarded, and paying expensive {$450.00} annual fee. 
I called American Express and spent no less than 30 minutes on the phone being transferred up a chain of CSRs and supervisors, all who thought my account was fine, and eventually reached someone who told me that some accounts are being reviewed at the corporate level, and the the points were deducted for unspecified reason. She could not tell me anything else. I think American Express is pulling a bait and switch of sorts if it offers something like this but now does n't let its customers actually take advantage of it. If they have some sort of internal issue being worked on by corporate, they should have solved that before hand on their time and stop wasting mine. I have actually visited online forums and have learned there are many others with this card experiencing the exact same issue. As well, a friend of mine from another state is also having it happen to him and his wife, so many people -- not just me -- are having their points deducted by American Express and that is help money! 

What I want is for you to help me get them to release any hold they have on my points and NOTIFY ME IMMEDIATELY without me having to contact them and fight for an answer again. Why did I pay {$450.00} for a card that has no intention of letting me use its benefits?

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Payday loan () with ACE CASH EXPRESS, INC. (MN).
Issue: Received a loan I didn't apply for

Complaint: I am a victim of identity theft and someone stole my identity and personal information and applied for a payday loan with Ace Cash Express. The payday loan account was an unauthorized and fraudulent account. I never applied or received a payday loan from Ace Cash Express. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. There is no way, I could of applied for a payday loan with Ace Cash Express, because I was incarcerated. I have attached supporting documentation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (IL).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I financed a car through Westlake Financial back in XX/XX/2014 with a very high interest rate and monthly payment. I am in the process of refinancing that loan through my credit union ( XXXX XXXX XXXX XXXX XXXX  ) with a much lower interest rate and monthly payment. I have worked on my credit and paid the high car payment on time for 3 years and am now in a position to be approved for refinancing which was always my plan with this car loan. I have been calling Westlake Financial for almost 2.5 weeks and had very poor customer service and been give different information from everyone I have spoken with. I even spoke to a lead supervisor named XXXX XXXX and she was very rude and rushing me off the phone. I need a front and back COPY of the title to my car, in order for credit union to refinance. Westlake Financial is giving me the run around and saying they do not release that type of info. Basically, Westlake Financial is preventing me from refinancing my car at a lower interest rate and monthly payment by not providing my credit uinon with just a front and back COPY of the title to my car which is needed by the credit union to verify the car has no other lean holders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: I have put in a dispute with XXXX, but nothing became of it. I am looking for some one to help us with American Servicing Company XXXX mortgage. Our payments were close to {$2300.00} a month, my husband lost is job with XXXX. Went through a Lawyer firm we paid {$2900.00} and after a month and a half said they could not do any thing for us, We lost that money. We are dealing with XXXX XXXX who is doing their best getting our interest rate down and lowing our payments to what we can afford. We have not paid a mortgage payment since XX/XX/XXXX. Husband is XXXX XXXX with our son, giving him XXXX % of the pay checks. He dose not work he dose not get paid, just like this XXXX Holiday. I 'm working making XXXX biweekly working for XXXX My credit went from over XXXX + to XXXX, even with Preferred Law working to help us paying them {$650.00} a month for 6 months. Please look into this for us we really need someone to get down to the bottom off this and find someone who is willing to work with us until we can get back on our feet and be able to pay a mortgage payment. We are really struggling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (FL).
Issue: Billing disputes

Complaint: On or around XXXX 2015, I received a telephone call from Navy Federal Credit Union Fraud Department. They indicated several transactions from XXXX, and a bunch of other retailers making many charges to my account. I notified them this was not me, and to send to the investigations department. I outlined all the transactions from both cards ( My visa debit, and XXXX XXXX ) and attached to their online e-messaging system. They replied they received them, and the credits would appear within 3 business days. 
The facts are-Navy Federal did NOT close my accounts. They remained open, and allowed hundreds more dollars to be charged to the account. Once I contacted them to close the account -- there were STILL more charges being allowed onto the accounts, even AFTER they were notified as fraud. 
I sent over my police report, and FTC fraud affidavit, and she stated I was to blame, and she was freezing my account so I can not use it. This is direct retaliation and discrimination against me, for exercising my rights of the fair credit billing act, and probably many other consumer protection laws, simply because they failed to do their job. 
For 3 months, they continue to report a completely false balance to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Checking or savings account (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: In  XXXX  of    2016  I had my student loan re-consolidated. The company I had do this service for me was   XXXX   XXXX    XXXX . I had automatic withdraw set up through them where every month {$140.00} was withdrawn through my checking account at  First National Bank. I had received a letter in the mail a few weeks ago from the   Department of Education saying I was late on my student loans. I came to find out the company  XXXX   XXXX   XXXX  was not making those payments towards my student loans. I had tried numerous times to contact them via phone and email. They do not exist anymore and there is no way to contact them. I filed a police report with the authorities. It was determined that there was a total of  XXXX  fraudulent charges towards my checking account a nd First National Ba nk only credited back  XXXX  of them. Attached you will see  XXXX  letters stating the ones that were and were not credited back. This was an obvious scam and I would like the bank to credit back the  XXXX  charges that were not.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I wrote synchrony bank a letter asking about a account that was suppose to have been open by me on XX/XX/XXXX when synchrony bank responded back they gave me no information about the account besides who the account was sold to synchrony never verified the account was mine.. I contacted XXXX XXXX at XXXX on XX/XX/XXXX at XXXX XXXX i spoke to a customer representative name XXXX ext-XXXX she advised me that XXXX XXXX did n't have the account..

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: Wells are not responding with solutions to our problems ; They writer have not followed thru with promises of settlement they offered ; Here is a total succinct summary of Wells ' offers and settlements needed ; 1 ) Well 's offered to delete the " late payment '' charges of about {$5000.00}, but have not followed up with confirmation of this. 

2 ) Well 's have not confirmed the amount of additional income needed to qualify for a modification based on our recent application for a modification. If we had this we would know what to aim for, instead of this lack of transparency. 

3 ) We must reach a solution so we know what is possible ; In the event we sold, because we cant keep going under this XXXX at XXXX years old and in ill health would Well 's give us the promised {$10000.00} relocation amount promised, based on our XXXX application on which there is no current change. 
4 ) Where action is required by Wells when and how will they act. 
5 ) All this points to a being current, one way or another in the next six months, if Wells will be more XXXXtransparent and answer the question in full..

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 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Wells Fargo said they would not put any negative info on my credit report when I was trying to get a modification from them. They put it on there anyway. I later sold the house and became positive with them

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 02/23/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company DiTech has not paid the last installment of my XX/XX/XXXX taxes to the town and now the town is placing a lean on my property. I have had issues with Ditech several months after they assumed the mortgage at the end of XX/XX/XXXX, as they replaced the property address with my billing address. I called the company repeatedly trying to have them correct the address change - which was not cleared in the system. At one point the customer service person told me that I was wrong on the address and to stop bothering them. I was so angered as if one holds a note on a property, you would think they would know the correct street address, town, state the property resides. At some point early in XX/XX/XXXX, I was told the paperwork was corrected but of course, this was not the case. As a result, the taxes were sent in XX/XX/XXXX to the wrong county/state for XX/XX/XXXX. My accountant noticed the incorrect address when receiving my tax paperwork in XX/XX/XXXX from Ditech. I immediately started making phone calls to find out the taxes were never paid for XX/XX/XXXX and this was XX/XX/XXXX. I informed Ditech and they told me they paid the taxes as checks were sent out that week I called. But come to find out taxes were not paid until end of XX/XX/XXXX and it was a partial payment. This week the town is going to put a lean on my property for outstanding taxes for XX/XX/XXXX. I again have called repeatedly and they keep telling me they will look into the issue. I have asked for a supervisor to call me back but with no response. The customer service person accused me of not leaving a message with the supervisor and hanging up. This organization is the worst with repeated misinformation, lack of response and follow-up, inability to do the job they are entrusted to perform and rude customer service accusations. I have paid on time and never missed a payment and expect them to act with diligence as this lean could affect my personal credit. I appreciate any assistance you can provide.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2015 I received a phone call from Chase Bank, NA executive offices regarding an existing dispute/fraud claim with a vendor called XXXX located in XXXX XXXX XXXX XXXX. For background purposes, due to the negligence of Employee ( s ) of MEGDRIVE ( the vendor ), the vendors employees fruadulently and negligently gave control of my credit card to a third party who subsequently authorized charges to my card which I never agreed to nor was contacted for authorization purposes. I never authorized XXXX of the XXXX charges and in the case of the XXXX charge only authorized a partial amount of what was charged. 
The XXXX 's employees contacted a third person for authorization on my credit card. This occurred because XXXX 's employee failed to list the card holder ( which I am ) in the computer system, resulting in their contacting the XXXX party for all authorizations which I did not know about. 
Today, XXXX XXXX, 2015 I received a call from a CHASE Bank NA representative who stated that she was from the executive offices. Based on the representative 's statements it is clear to me that CHASE Bank has no clue or understanding of the issues in this dispute. The fact that this incompetence exists is detrimental to my dispute case. I therefore request summary judgement in my favor that all disputed charges be permanently waived because of CHASE Bank 's incompetent comprehension has a negative impact on the outcome of this case and I can not rely on them to correctly represent the facts on my behalf. 

Please have a representative of the CFPB contact me at the numbers listed below. 
Respectfully, XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (NC).
Issue: Managing the loan or lease

Complaint: I have had a personal consumer loan with Avant finance for over a year. Monthly payments are {$260.00} per month and after 12 months only {$750.00} has been applied to the loan. The interest has been front loaded and if I carry the term of the loan, I will end up paying over {$8000.00} in interest. I am not sure if this is legal, but feels like I am being taken advantage of and predatory. Do n't mind paying the loan, I borrowed the money but more should be applied to the principal. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Auto) with Autovest, L.L.C. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Hi, I've made a wire deposit from XXXX XXXX XXXX to Coinbase ( XXXX XXXX XXXX   ) on XX/XX/XXXX amount of {$25000.00}. However, the amount is still not showing up on my Coinbase account. I've called the XXXX XXXX XXXX  customer service and they told me that $ XXXX has been deposited to Coinbase on XX/XX/XXXX. I've contacted Coinbase several times in many ways but have not heard anything from them yet. 
For me, this is a large amount of money and I am very concerned about this issue. Could please please help me on this issue? I really want to know what is going on with my money? Below are the details of my transaction. Please let me know if you need anything else. 

Thanks for your help in advance! 

- Amount : {$25000.00} - Date sent : XX/XX/XXXX - Name of sending bank : XXXX XXXX XXXX - Personal name : XXXX XXXX - Email on Coinbase account : XXXX - Reference # : XXXX XXXX XXXX numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Medical) with Dominion Law Associates, P.L.L.C. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled in full with XXXX XXXX in XXXX 2013, I paid XXXX to settle, they said ok. Next thing I know some collection agency has a judgement against and calls my house on a daily basis!! This was settled in full, I paid more than XXXX % of the debt, I broke my foot and was not insured, I did not ask for that!! I am single mom trying to make ends meet, and the collection agency keeps saying they have lean against my house, when the balance after I paid the Settlement was XXXX dollars. I do n't understand how they can ruin my life like that! Dominion Law & Associates at XXXX ... I want that judgement removed and for them not to call me ever again! they claiming thousands of dollars even though I settle in full!! I do n't understand that!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: The company I complain about is Coinbase. 
I made a withdrawal XXXX euros, wire transfer from my Coinbase account to my bank account on XX/XX/XXXX, they said that transfer is confirmed and money should be in my bank account within XXXX. Have done this before, usually 1-2 days and money is in my bank account, but not this time. More than 9 days now, but still no money, I have written them complains and asked for help, but no answer at all. 
Could you please help me sort this out! I am ready to give you all the information you need about this transaction!

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CT).
Issue: Loan modification,collection,foreclosure

Complaint: My husband was laid off and we filed for bankruptcy. We became two months behind in our mortgage with Chase Home Finance. No loan modification was offered. Instead we were put on a repayment plan and charged exorbitant fees for four months. 
I feel that we were overcharged.

Company response to consumer: Closed with explanation