milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: This complaint is against Chrysler Capital. I have been paying {$300.00} every 2 weeks for a {$590.00} amount due. They advised that I did not receive credit until the entire monthly amount was paid in full. Even though my payments are made somewhat in advance, their " system '' does not recognize this. I requested that do not call and they advised I would be put on the " do not call '' list. They have continued to call ( 4 times ) after being placed on this list. Each time they apologize and say they were in error. Capital XXXX has violated the do not call agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I reported this fraudulent account in XX/XX/2017. I filed a police report and filed out an identity theft affidavit to properly document the activity and report the account. I contacted Wells Fargo multiple times with an affidavit explaining the situation which has been ignored. The responses I have received has stated that they will do nothing and continue reporting this information because they can. The account obviously exist because they sent me an account activity statement, but what they failed to provide is my connection or permission of this accounts existence. My request under section 605B of the FCRA has been ignored and violated by this creditor. The amount showing to be owed is {$2300.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2015 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This was a complaint filed in 2014 and I NEVER received any emails from you and I never received XXXX phone call from Barclay. They have not reduced my credit card rate, I was promised i would not have to pay any interest or late fees. they have done nothing to help me except provide legal aid this is a joke. every other credit card helped me and this one will not. they are affecting my credit report severely and i can not believe that they sent generated responses as well. i have managed to pay down this card from XXXX to XXXX with late fees and interest. i am on XXXX the XXXX is not mine. they are absolutely not helping or taking responsibility that they were required by the law to provide the phone number of the woman that forced closed my account and gave a phone number. they allowed themselves to give out information to someone pretending to be me. they are rude vindictive and need to backtrack and remove all fees accrued because at this point the card would be paid and i want the negative score off of my credit report. i already sent them XXXX letters the next XXXX will be certified and they have 30 days to do so by law or the credit reporting agency has to remove it from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (NJ).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Charles Schwab refuses to process my bank account opening request. I do believe I am being discriminated due to my national origin and I would like this issue properly addressed.

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 08-09-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Other

Complaint: This is for SYNCB Paypal. I have tried to get them to remove the erroneous information they are sending to the credit bureaus. The debt was paid 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 11/16/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Making/receiving payments, sending money

Complaint: I send a domestic wire transfer from my CapitalOne Bank account to my friend who has an account in XXXX. The XXXX got returned because the account number provided by my friend was closed ( error on my side ). I send a wire for {$1700.00} but the wire got returned for {$1700.00} i.e. {$45.00} were deducted from original amount for some sort of return fee. In addition there was a {$25.00} fee charged to my account for sending the original wire and a {$15.00} fee was charged for incoming wire. I tried to explain my bank that this was unfair as i should not be charged for return wire as well as original wire + incoming wire as this is same transaction that was returned. It Seems outrageous to get charged {$85.00} XXXX XXXX ) penalty for return wire in my own account. I would have been ok if there was a nominal fee charged for my error ( giving wrong account number ) but getting charged 1750 % XXXX interest rate ) for a penalty seems far outrageous

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I received my Seterus monthly mortgage statement dated XX/XX/2016 for my upcoming payment due on XX/XX/XXXX. My XX/XX/XXXX payment reached Seterus on XX/XX/XXXX, well within the 15 day grace period. My account statement reads that I have a past due amount of {$1500.00} which is inaccurate. When I called and spoke with a Seterus representative I was told that my XX/XX/XXXX payment was received on XX/XX/XXXX and my next payment is not due until XX/XX/XXXX. Having a " Past Due Payment '' appearing on my account statement when it is inaccurate reporting could potentially damage my credit standing with another lender if I am asked to present a copy of my mortgage statement as proof for other borrowing. If Seterus wishes to consolidate their monthly mailings into one then their statements must be accurate. Creating the statement on the XXXX of the month, the day after the grace period ends would be somewhat better than writing " Past Due Payment '' when it is not. To do otherwise is misleading and it feels like extortion. In XX/XX/XXXX I received a phone call from Seterus concerning payment and the representative said it was routine to call borrowers who are late making their payments. According to the contract my payments are not late if they are received on or before the XXXX of the month. If Seterus is attempting to circumvent the 15 day grace period on my mortgage or any mortgage this type of strong arm scare tactics of tarnishing one 's credit needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX submitted my name for a collection that did not belong to me. I called and was not helped at all. They were not rude, just not helpful. I agreed to pay this bill as i was in a bind and needed it off my credit report, they agreed to delete and for quite a while it was off my credit report. It has shown back up and no one has attempted to help me get this removed. I could lose my job because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been paying XXXX/Navient since 2004. My payments seem to hardly chip at the amount due. I have some late charges as well and they told me I do n't qualify for XXXX Forgiveness or Public Servant reprieve even though my XXXX qualifies. I have been a XXXX for 25 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: MACYS XXXX : XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation. 
The information in this ID Theft Report is Clearly LEGIBLE. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification MACYS is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.

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 08-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (PA).
Issue: Settlement process and costs

Complaint: I am in the process of getting a new home loan with PNC Mortgage. I have been waiting for loan approval for 65 days ( after conditional approval went through with no difficulties ). Further, the loan officer and processor will not answer phone calls or emails, and will not tell me a closing date. The initial closing date estimate ( XXXX XXXX ) came and went, and now I 'm out of my apartment and not in the new house ( essentially homeless ), living at a hotel and incurring costs and time off work. The new home builders are ready to close, as am I. 

PNC help lines will not respond to my calls, and I have caught them in lies ( through parallel communication with the lawyers doing the title work ) on a number of occasions. 

I know this probably is n't the right outlet, but at this point I do n't know what else to do. Continued hotel costs may put me at financial risk. PNC will do nothing to help me, and I 'm afraid that pulling out and going with a competitor will incur severe penalty fees. ( They have not discussed any of these steps with me throughout the process. ) Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred from XXXX XXXX XXXX to Nationstar some years ago. I have been paying my monthly payment online via their payment system. NOWHERE when I make payments does it say there will be a late fee of {$170.00} if I 'm more than 15 days late. It assessed an additional {$10.00} " transaction fee '' for 15-29 days in the month. I always made the minimum payment due later in the month but ALWAYS before 30 days. I was never 30 days late in all the years. Meanwhile, a late fee of {$170.00} a month was secretly accruing unbeknownst to me!!! I never had a " past due '' notice or a late fee notice online where I do all of my payments and business with Nationstar. It ALWAYS just showed the minimum amount due each time. SUDDENLY, years later a PAST DUE notice of more than {$5000.00} shows up. I called because it had to be a mistake. Nope. It was them finally telling me online in the payment center that I had a late fee that has been accruing every month for years! I HAD NO IDEA! There is no reminder ... there is not alert ... there is no box that pops up that warns you when you pay -- -ONLY a notice that a {$10.00} transaction fee will be assessed if you pay past 15 days. That makes it appear as though that 's the late fee. If they would have had XXXX notice that I had a past due amount because of a late fee I would have IMMEDIATELY changed my habits of paying the last two weeks of the month to the first two. I NEVER would have allowed this to happen. But they do it secretly and bury it in a statement in the mail, only -- so those who pay online -- which must be most everyone -- NEVER know about this until they alert you after it reaches some {$5000.00} or more. When I called they said, " do n't worry -- we 'll move that amount to the back of the loan. '' They are loving this late fee and do n't want you to know about it. I think this is unbelievably deceptive. I am enraged about it.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NM).
Issue: Settlement process and costs

Complaint: In an effort to confirm who owns the mortgage and has lien on my home I sent correspondence to Select Portfolio Servicing ( SPS ). On XX/XX/XXXX I sent a letter to requesting the following items : Provide the identity of the mortgage loan note on my home. 
Provide the owner of my mortgage for the property located at XXXX., XXXX, New Mexico XXXX. 
I received a letter dated XX/XX/XXXX from SPS stating that they had received a letter from my authorized agent. 
I received a letter dated XX/XX/XXXX from SPS stating that they have received my inquiry letter and to give them 30 days. 
I received a letter dated XX/XX/XXXX that they had completed their investigation into my inquiry and since they had not serviced my account in over a year they would not provide a response. 
In XX/XX/XXXX I ran into financial troubles and requested a foreclosure letter from SPS so I could withdraw money from my XXXX ( k ) to pay them. SPS informed that since the loan was a XXXX mortgage they could not foreclose on my property so they could no provide a letter. in XX/XX/XXXX SPS placed my account in a XXXX status. I have not paid SPS or any other entity for this mortgage since. 
SPS is not providing me with my requested information and are not being cooperative in my effort to clear the title on home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have submitted a number of requests to Experian to correct inaccurate information on my credit report and provided them with a copy of the credit report retrieved from their website as well as identification. The initial letter was ignored without response and the second request claimed to not be able to identify me and was addressed to someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2017 about Payday loan, title loan, or personal loan (Installment loan) with CNG FINANCIAL CORPORATION (SC).
Issue: Charged fees or interest you didn't expect

Complaint: I am writing this complaint on behalf of my sister XXXX XXXX. She receives a single check for {$730.00} per month for a XXXX XXXX. Not only am I the representative payee for her check but for her checking account as well. 
She is not able to make a payment of {$250.00} per month with her income nor did she have any idea that she was signing a contract for 162.72 % interest. This entire process is uncongenible and unfair to someone in her position. No one at the local branch will speak with me because my name is not on the contract. What I do n't understand is how this company can make a loan to someone who has a rep payee without that person 's consent.On XXXX XXXX she borrowed {$1600.00} from Check 'n Go located at XXXX XXXX XXXX XXXX XXXX SC XXXXHer payments are scheduled at {$250.00} for 17 months for a total payback of {$4300.00}. She has made 3 payments on this loan but is unable to continue these payments

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Deposits and withdrawals

Complaint: I lost my job XX/XX/XXXX. I went on craigslist to apply for different jobs. I had an account with Bank of America at the time. This one job sent me an email back stating I can receive money going shopping for other people in need and they will send me a check. Once I receive the check deposit in my account and take a percentage out for myself as they would give me a listing of items to by. I received a check in the mail from Texas and it was XXXX to me. Once I received the check it looked like a real check with a stub not knowing it was going to hurt my bank account. The bank closed my account after five years on count of this, because it was a bad check. Finally I not able to open another account not cash my working check. I hope my complaint reaches someone I was unaware that this situation would happen. Please help I have a son with a XXXX and I need a account to pay bills, work direct deposit and to cash my son SSI checks as well. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: I have a Bitcoin account with Coinbase. Within that account, I have a " Coinbase Vault '' with XXXX BTC in it, worth {$86000.00} at the time I am writing this CFBP complaint. 

I initiated a transfer on XX/XX/XXXX from the " Vault '' to one of my Bitcoin wallets, " Spending Wallet. '' That transfer is requesting a verification from a second e-mail that I no longer have access to, a previous work e-mail address. It has been locked for the last two weeks. 

I have attempted to contact Coinbase to resolve the locked funds in multiple ways : - On XX/XX/XXXX I submitted Coinbase Helpdesk ticket XXXX. See attached PDF. I have replied multiple times but I have received no response. 
- On XX/XX/XXXX I sent an e-mail to XXXX. See attached PDF. I have received no response. 
- On XX/XX/XXXX, I spoke with a Coinbase Representative through their ( XXXX ) XXXX number that stated he 'd have an expert assist me and that I would receive an e-mail shortly, but that never occured. 
- On XX/XX/XXXX through the XX/XX/XXXX I sent multiple XXXX " Private Messages '' to official Coinbase XXXX users. See attached PDF.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found XXXX reputable banks with good promotional offers that I could meet the requirements. One of these was Bank of America. They offered a {$300.00} bonus for opening a checking account and making direct deposits totaling {$4000.00} within 90 days of opening the account. I met the requirements within 60 days and even called to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because he confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was a targeted mail offer. There is nothing in the fine print that says this at all, and it was something I found directly on XXXX ( not through another page then to BOA, the search results went directly to the BOA splash page ). This is dishonest to promise someone an offer and deny it based on something that was not in even written in the offer. If they had in the fine print on the online offer that you must have received a paper version of this in the mail to be eligible I never would have opened the account!

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 08-11-2016 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$4.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to 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 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX is currently reporting a balance of XXXX on my credit reports. I received XXXX different notice of collection from XXXX different agencies. XXXX sold the account so they need to report a {$0.00} and also tell me who the debt ACTUALLY belongs too. I have attached documentation from each CA and my report still has the balance. They are reporting inaccurate information.. False or misleading representation of debt amount is illegal as well as unfair. If this is not resolved then I risk having XXXX different companies reporting the SAME debt ... the XXXX companies are : XXXX, XXXX XXXX and XXXX XXXX ... These practices are not fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: We are in the closing process of the loan from Quicken Loans. Quicken Loans told me to pay my {$14000.00} car loan, my {$3000.00} Credit Card, and {$800.00} Credit Card. I am now debt free. Today they called and said my loan was being denied ( 5 days before we were set to close ) due to inconsistencies in signatures. They said our signatures did n't match and that they " appeared '' to be electronic signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: There is a docket from 2004 that Pressler and Pressler obtained. My income is Veterans XXXX benefits and Social Security .This matter was taken care of in 2004, with the county clerks office.Now Pressler and Pressler is threatening me for this .My situation has not changed. I will be XXXX for the rest of my life .I do not drive.Have no vehicle .I rent.And my income is all XXXXi thought this was over in 2004.The subpoena theyasked from me has allot of information.I do not trust them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation