milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Credit card () with SUNTRUST BANKS, INC. (MD).
Issue: Customer service / Customer relations

Complaint: My account was declined when trying to use the XXXX website for a purchase around {$400.00}. I called SunTrust and was told that nothing was wrong. I called XXXX and they said they could n't see the issue with my card, so I called SunTrust back. SunTrust claims it was an issue with their fraud department having the wrong zip on file. I attempted the transaction again and it failed. I was told by SunTrust that there was a high level of fraud with XXXX, so I needed to go to the branch. I attempted the transaction again in the morning twice and had problems, so I went into the branch. The woman at the branch got on the phone with corporate and asked if I could go outside and make a transaction at the local gas station to see if this would work. I balked because I had told her that I had just attempted a purchase of a bottle of water for {$2.00} and was declined, but she insisted that I try while on the phone with corporate. I did and was embarrassingly declined. It took roughly 50 minutes of back and forth with the customer care rep and the supervisor, then I was told to try a transaction again as they had fixed it. Declined again, which was embarrassing because this was near my office. Went home, called someone else, was told there was nothing wrong. Tried the online transaction again. Failed again. Called again, was put on hold and finally got a supervisor who said that this is because of old XXXX transactions that had been declined back when I had a similar issue. I just tried again and it was declined again, and there is more than enough money on the card for this. 

My reason for bringing the concern this far is that I am greatly concerned to have my finances ( checking, savings, credit card, 401k ) handled by an institution that seems to be completely clueless as to how to handle finances. From the numerous different reasons ( zip in fraud did not match what I have, nothing is wrong, old XXXX issues, XXXX fraud ), to the poor customer service ( over two hours on the phone, and twenty minutes at the bank ), with no resolution, I feel scared of an incompetent agency handling my money. Most importantly, I left work to talk to someone at the branch. That is time I need to make up. Lastly, I am concerned that they more than once told me to try to fix the issue while they were on the phone by swiping my card to see if it works. Not only do I find that unsafe, it shows that they ca n't find better ways to problem solve.

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 05/20/2016 about Debt collection (Credit card) with SQUARETWO FINANCIAL CORPORATION (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: CACH LLC has default judgment against me for a XXXX XXXX Credit Card debt. I was XXXX served or notified I had been sued and a lawauit pendingpending. Had I received notice I would have responded! I would have disputed the debt, /collection practices, business accounting errors and amount owed and refusal to credit payments and/or requested mediation. Would have done anything to prevent a default judgment against me!? It was a debt incurred only by dental work I needed. My dentist promoted and signed me up for XXXX XXXX XXXX I had no dental ins or any other way to pay for dential necessities such as XXXX etc. Dentist required payment in full at time services were rendered! I had no other way to receive dental care! this acct was opened in XXXX! Over the years XXXX reported me as late or a payment not received ( in error ) which affected the cc agreement, terms and int rate. They changed terms of agmt during a hardship agreement and XXXX int and more, late fees, penalties for making min amount payment due. They agreed to in hardship agmt..Acct closed XXXX and last payment I made was XXXX XXXX. Charged off different amount. lawsuit amounts were exceedingly more and did n't notify me at all of judgment which just learned of through aa recent notice of appt of receiver to garnish my accounts which can remain in place forever. This was 7 years ago and I really do n't have anything to garnish. I have kept good financial records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just received an alert on my credit. A new account was added to my credit by Stellar Recovery. The account says it was from XXXX. 
Please be advised I was not aware XXXX still exist. I have had XXXX as my internet and television service provider for the past 10 years!!! 

Moreover, I have never received a notice from XXXX nor was I ever contact by Stellar Recovery so it was quite a surprise when the unknown entry appeared on my credit and lowered my credit rating. 

Stellar Recovery Account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AL).
Issue: Deposits and withdrawals

Complaint: I opened a checking account with USAA to which I set up direct biweekly deposits in the amount of {$100.00} each. My wife was a joint account holder on the account. This account served as a " sinking fund '' into which I put money aside ; there were no withdrawals, and so I did check the account balance until I was sure that a few direct deposits had been made. When I checked the balance, I discovered XXXX withdrawals totaling {$170.00} which I had not made. I knew that my wife, the joint account holder had not made these withdrawals. USAA 's customer service rep told me the funds had been withdrawn by the bank itself ( i.e. " set off '' ) pertaining to an account held by my wife PRIOR to our marriage. Thus, USAA wrongfully set off the funds for a debt that was not legally mine because that debt arose prior to my marriage and can not legally be attached to me. Further, I do not live in a community property state.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The credit reporting agency 's keep putting my son 's debts on my credit report. Our name is the same except for the middle initial. That does not seem to make any difference to the reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My name is XXXX XXXX. I am having trouble paying my son 's student loan. I tried to lower my payment. But I was told that I couldn't..

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a new motorcycle from XXXX with XXXX XXXX for the loan in XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XXXX XXXX. I notified XXXX of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to XXXX, however, XXXX said I was late making a payment. My GAP insurance sent XXXX a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called XXXX. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of XXXX. I have been communicating with XXXX and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Credit card () with Atlanticus Services Corporation (MD).
Issue: Payoff process

Complaint: I am desparately seeking your assistance with having a creditor ( that was paid in full per a mutually agreed upon settlement payment offer in 2013 ), with continuing to NOT report that the account been satisfied ( in 2013 ), and by constantly reselling it to collections agencies. I do have my proof that this debt was paid and settled via a letter from the law firm that originally handled this matter. The creditor is XXXX XXXX issurer of the ASPIRE credit card. Further information can and will be provide upon your request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing/Cancelling account

Complaint: I closed account in XXXX 2015. XXXX CARD Services allowed charge from XXXX to go thru in XXXX 2015 that I did not do. I CLOSED ACCOUNT 9 months ago. XXXX needs to be banned from the industry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have asked several times for these inquiries to be removed from my file I have a fraud alert and did not give XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX permission to run my credit ... I am a single mother of XXXX girls and it is hurting us to get furniture and other necessities because these businesses took advantage and ran my info.. PLEASE HELP US!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (IN).
Issue: Billing disputes

Complaint: There was a huge mix up with this account and I paid this account. I was never late on XXXX or XXXX 2016. Can they please remove the late payments on this account?

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX bank sold my accout to midland credit management. I called them to make arrangements to pay, they stated I had to call back in a week.I called again and was told they could not give me any information at that time.They finally called me a week later and when I refused to give out my bank information I was told they would get an attorney.They also wanted to send all correspondence via email, I refused that as well and again I was threatened with them getting an attorney.I never refused to pay.They called me non stop.I then told them I had mailed a validation letter and once again they wanted to send it via email, when I stated I wanted it in writing via regular mail the again threatened to contact attorney in my area.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Bank account or service (Savings account) with BB&T CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: After the financial institution closed my savings account which was used a overdraft protection, charged me enormous amounts in returned item fees - they transferred all the monies that were in the Savings account to checking. If this action was taken before all the fees were incurred, I would not have been charged {$280.00} returned item fees. This is clearly poor accounting procedures. This also proves the bank 's action were for capital gain only. The bank has yet to prove the Savings account that was closed exceed the XXXX per month transaction by law on a habitual basis.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (WA).
Issue: Account opening, closing, or management

Complaint: Citi Bank was running a promotion where you could earn XXXX of their thankyou points after opening a citigold checking account and meeting a couple of requirements. I talked with a citi employee, XXXX, to see if I qualified for this promotion before opening it. I was told that, in fact, I was on XX/XX/XXXX. 2 months later I was told by a different citi employee that I had met the requirements and my points would post XX/XX/XXXX. When they did n't post I contacted a citi representative who opened an investigation. This investigation concluded that I did n't qualify for the promotion and would not receive any bonus points. I called to explain to a manager that one of their employees had confirmed I was qualified and asked why I was told this if it was n't true. A new investigation was opened which ended with the same exact document being sent to me on XX/XX/XXXX saying I was n't qualified. During this time I have been charged the monthly service fee of {$30.00} even though my points have not been given to me as promised.

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 10-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My family I lived in the XXXX XXXX area all of our lives and I personally want to spend my retirement years in our XXXX home. I have seen good times and bad due to the economy and had been struggling in recent years due to a short-term job loss. Like you, I have provided XXXX. Unfortunately, I may be forced out of my home by my mortgage note holder, Citizens Bank since they have not been willing to work with me to retain my home. The only communication I have had with them is how much I owe on my mortgage and how to pay them. They have no interest in helping me and it appears as though they just want to take my home away via foreclosure. I have tried to obtain an affordable loan payment, but my requests for assistance have been ignored. 
I have a government insured loan and I am being denied access to options that are supposed to be made available. Further, I am certain that Citizens Bank would see clear to help me if I could engage someone above the line staff level to resolve my mortgage issues. I would like to see if you could help me speak with someone who can understand my problem and get the ball rolling on resolving my mortgage. 
In XX/XX/XXXX, Citizens Bank added {$310.00} per month to my regular payment. The payment climbed from {$450.00} to {$760.00}, no warning, and no type of correspondence providing this change in payment will take place. 
When I first applied for the purchase of my new home. I jumped through hoops trying to get qualified. They ran my credit, verify my household income, requested my paystubs and income tax return for the last two years. My application was fully documented. The underwriter reviewed my present financial situation and qualified me for a certain loan amount based on my yearly earnings, expenditures, to XXXX that fit my budget. 

XXXX XXXX if I went through all the red tape to qualify keeping me at an affordable mortgage payment and purchase price range. Why would they make a decision to increase my mortgage payment, if I knew this was going to happen? I would have never applied, and avoided the predicament me and my family is in. At the time my job cut my hour 's temporality. 



XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXXXXXXThis is what caused my mortgage delinquency. I showed good faith and tried to get back on track with my mortgage payments. By providing partial payments, for {$1300.00} from the {$4000.00} that I owe, back in XX/XX/XXXX. They demanded the lump sum paid in full, and Citizen bank refused any more partial payments, thus I could n't afford this caused me to fall further and further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Payday loan) with Oracle Financial Group LLC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I had applied in XX/XX/XXXX for a online loan with XXXX XXXX and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to XXXX XXXX. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Debt collection (Payday loan debt) with CNG FINANCIAL CORPORATION (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company stated i owed and amount and that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am a customer with Ditech a loan lender. We went bankrupt in XXXX XXXX and had an agreement with XXXX at the time ; the name was XXXX and not Ditech loans. We have been paying off this load since XX/XX/XXXX. We had to go bankrupt on creditors and we did not go bankrupt on the XXXX XXXX that was our pre manufactured home. We found out just from prying this information from Ditech we owe just under XXXX on the loan paying off the principal right now and if we re-finanace it would be another 25 year loan. So we could have a bill each month like we have been requesting from Ditech Loans for 2 years now. So we only have 8 years left on the loan to pay off this loan. The reason for getting you involved is that they have been giving us Informational papers instead of the Ditech bill which would have the principal and what is left on the loan. We tried calling them and they stated that they can only send informational payment letter each month because of the bankruptcy in XXXX XXXX. We have not missed a payement on our mortgage with this company and would like to have our billing statements back which they are not doing for us. We contacted our bankruptcy laywer that did it for us and he said there are no re-afermation letters you can give to the judge, the judges do not do this. So we have exhausted all our means of getting when we need. Please help us!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I transfered XXXX, - from my bank account via my XXXX card to my Coinbase wallet. I did this two times ( = XXXX, - ). 

However, none of the two purchases arrived at my Coinbase wallet. 

To this date ( XX/XX/XXXX ), I tried to contact the Coinbase customer support 3x via the email form, as this is the only way to reach them. I only got automated responses, but nothing else! The money is still missing. 

I contacted my bank, but they were unable to help me, since the money was transferred correctly. 

You are my last hope! 
( Sorry for any spelling mistakes, I am from XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Payday loan debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I asked them twice to stop calling me at work and I am going to get fired if they continue. I even have it in writing to them and they continue calling me here.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My current Mortgage holder sent me an Escrow Analysis Statement in XXXX 2016. On the form, after review, I found countless errors in the statement. I called the Mortgage holder and they agreed there were errors, and they sent me a revised statement, that still contained errors. At this point, they refuse to do another analysis claiming that their numbers are correct. I spoke to a supervisor and she refused to honor my request for another look into the statement. Currently my mortgage contract states that 2 months of escrow may be held in reserve. The are asking for {$60.00} additional to supplement the " projected '' low balance, when in fact it is only about {$10.00}. The original statement they sent was asking for over {$400.00}, but I could not make any of their numbers match up. I suspect they are doing this to XXXX customers as well. I have a signed contract with these people and they are failing to abide by that contract or the fair credit lending act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Mortgage (Conventional fixed mortgage) with EQUIFAX, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: Hard credit inquiry issued against me and my wife without authorization. Equifax ( unlike Transunion ), has refused to remove hard credit inquiry thus negatively impacting both of our credit scores. 

I 'm going to keep submitting these complaints here and to the XXXX until the hard credit inquiry is removed from both of our accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of the Equifax data breach.

Company response to consumer: Closed with explanation