milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (NY).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I purchased {$100.00} Mastercard prepaid card on  XXXX  from  XXXX   XXXX  that I had a problem using and had an error checking the balance online. This card is issued by US Bank. I called the number on the back of the card on  XXXX  and explained the problem and they said it is due to a failed activation. They requested I fax in the information and images that are attached to this complaint as a PDF.     I faxed in everything and waited a few days. I had to call in to find out the status even though I requested them to contact me once the issue had been resolved. It turns out the card image was blurry and they wanted me to fax in again  ( a nd recommended I use   XXXX   ). So I tried again twice on  XXXX , once by fax and once by sending a copy of the whole package via pdf and the website faxzero.com. I again waited a few days and heard nothing. I called back on  XXXX  and they said the faxes were too light and wanted me to try again. I said that was unacceptable and asked what if I kept trying and they kept getting an unreadable copy. They had no answer ... .basically just keep trying. I said I 'm not going to waste any more time doing this when the result is n't even guaranteed. I offered to email them a copy and they said they ca n't accept emails and there 's no other way to get ahold of that department other than fax. I asked what if I emailed the representative and she could forward it to that department and she said she will not do that. I said I ca n't be the only person to have run into this problem and she said " I can not confirm nor deny that ''?! I asked to speak to supervisor ... she said all of the same thing. I asked for her  manager .. . she said was n't available but took my number and will have them contact me in a day  or two. It 's been one week n ow and I have not heard back from anyone. Basically they understand the problem, but do n't care and unwilling to provide an alternate solution.  XXXX  Bank has my {$100.00} prepaid card and will not activate my card nor refund me the amount.     They also mentioned on the second call that my  XXXX   XXXX  receipt was not valid and they could n't help without the last four of some number on the receipt or the numbers below the barcode on the back of the gift card. They asked about an activation receipt, which I have never gotten with any of my prepaid card purchases. The sales receipt only shows the UPC number and nothing else that seems to link to the gift card. I offered to provide the numbers located under the barcode and she said she ca n't accept them verbally.     Note that although it is very difficult to scan a good copy of an opaque plastic card on a copy machine, the image in the PDF file is clearly readable.

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 12-05-2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Balance transfer fee

Complaint: BarclayCard balance transfer promotion will not show as paid off. I began trying to pay a promotion ending XX/XX/2016 a couple months early. To do this I paid above my minimum payment. In addition to other calls, I spoke with a supervisor XX/XX/2016 at XXXX who assured me it was paid in full. In the meantime, I accepted another balance promotion. Because I did this, they said all payments made over the minimum were applied to the fees. The representative I spoke with XX/XX/2016 at XXXX said the balance was not paid off and that I still needed to pay {$190.00}. Again, in XXXX I made XXXX payments ( {$190.00} and {$100.00} ). On XX/XX/2016 the XX/XX/XXXX statement shows a promotional balance of {$69.00}. Upon calling XX/XX/2016 at XXXX the representative sees XXXX payments in XX/XX/XXXX were received and could not figure out why it still has a balance. She opened a case ( # XXXX ). At my request a supervisor came on the line and again like the supervisor in XXXX, said the promo balance was paid in full. I referred her to the statement and she then stated it was because the statement closed on XX/XX/XXXX. I questioned why this would matter since the XX/XX/XXXX payments posted XX/XX/XXXX & XX/XX/XXXX. Further, I advised the statement indicates " balance subject to interest rate ''. I advised her I have called several times but I am sure they are taking advantage of customers who do not have the time to sit on the phone and wait because when I call I get placed on hold more than once while they " look into it '' and when they need to " get a supervisor ''. Very time consuming. I feel they are taking advantage of some sort of leap hole to charge customers interest fees even after the customer has paid off the balances.

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 07/28/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted my loan modification under HAMP guidelines and was denied recently on XXXX/XXXX/16. They provided me the NPV input values and I used those figures on the government XXXX website and it says that I should be approved! I want Shellpoint to approve my loan modification or give me a better and specific explanation of why and how they denied me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX XXXX, 2017, Equifax announced a security breach. I went to their website and clicked on the information about it. I followed a link to enroll in free monitoring service. It said I was affected and to enroll. I followed instructions, but the link just keeps looping me back to the original website and will not allow me to enroll. I called the hotline number Equifax has set up to report this issue, and all it does is either ring busy, or answers, takes you through prompts, puts you on hold, then hangs up on you every time. I have been trying for hours!

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alaska Cascade Financial Services, Inc. (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: This is the statement I sent to the Collection Company. It sums up the situation ; First of all this case is from XX/XX/XXXX. If. You Alaska Cascade have owned it since XX/XX/XXXX why am I just know hearing from you? 

You have an obligation to attempt to collect on debts. I have request twice from you and or Alaska Cascade to provide if any attempts to collect this debt. But, you are unable to provide any proof. I have NEVER received anything from you regarding this debt and I have had the same mailing address for over 10 years. Nor, has this debt EVER been reported to any of the XXXX collection agencies. I would have like to have been contacted at anytime during the last 9 years so I could have paid this debt. 

You also state that you find it hard to believe I am unaware of this debt since it was part of a XXXX case. Again, this case is almost XXXX years old and I did receive a statement via e-mail from the XXXX County Court stating that this case and the judgment were satisfied in XX/XX/XXXX. So, I am sure you can see my confusion with getting such a statement from the court and for having never been contacted that the debt was valid and Alaska Cascade was looking to resolve the debt. 

With all of this confusion and Alaska Cascades inability to provide any proof that you have ever ethically attempted to collect this debt at any time in the last 9 years I feel it would be fair if I be allowed to pay the debt and have the interest removed. 

Please understand that if we are unable to come to an agreement I will be forced to seek further action on this as I do not feel that you have held up to your obligation as a Creditable collection Company. You can not just sit on a debt and collect interest for almost 9 years and not allow the debtor to make right by what they owe.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I recently attempted to dispute inquiries on my credit report by phone and keep getting the run-arounds. After finally reaching someone they said they can be deleted since I am a victim of identity theft but said that I had to speak to the fraud/identity theft department ... After calling I was hung up on after waiting 20 minutes on hold. 

I have attached the inquiries that I am disputing as a result of identity theft. I have also attached a copy of my police report.

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 12/29/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: For 10 years, any payment over the billed amount ( which is an interest only payment ) has been applied to principal. Chase Bank has stopped applying my extra payment to principal. This began when I made an interest only payment this summer. Since then they have stopped applying the funds correctly. I have spoken with customer service. The first few times, they made the corrections and apologized for the errors. Now I am getting letters notifying me that payments will be applied to outstanding interest, then outstanding principal. I can only make extra principal reduction payments in a branch or via a separate payment. Can they change payment terms on me? My loan indicates that any changes must be approved by me.

Company response to consumer: Closed
Consumer complaint received 06-08-2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I mailed my first letter to Experian XXXX XXXX, 2015 and about 20 days later I received a letter from them stating that : " we have received a suspicious request regarding your personal credit that we have determined was not sent by you. We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " I immediately sent them a letter explaining that it was not suspicious and how offended I was by the letter and recieved no response. I called them and gave them a list of items to dispute with explainations. They refused to use my explainations ( verifcation and validation ) stating that they were not valid reasons, they would only allow me to say not mine, wrong balance, wrong account number ... After waiting 45 days I still had no response and once again I called them. They said they had finished the investigation and that I should have received the results but I did not and that they would mail it again. They did and I sent another letter mid XXXX asking them to investigate once again and they refused stating that : We have not taken any action on this request. An future request made in this manner will not be processed and will not receive a response. " Experian is violating my rights and the rights of others to dispute and correct errors on our credit reports. Is there anything that can be done to put a stop to there ridiculous tatics? 

Please help! I can be reached @ XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: They locked my account for the reason that I was not too active and sent the money to unclaimed funds somewhere. I came into the branch today to ask for the log in and found out. Now, I do n't even know where they sent {$1500.00} to. I asked them and all they said was that they do n't know.

Company response to consumer: Closed
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I did not sign up for Experian credit monitoring service. I went online to get my credit report. The box asking me if I would like to sign up for the monitoring service was automatically checked with the application. I unchecked it. I called Experian and I explained to them that I did not sign up for the monitoring service. They refuse to refund me for the fraudulent taking of money out of my account in  XXXX  and  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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I filled Bankruptcy in XX/XX/XXXX and it was finalized in XX/XX/XXXX. I am asking for all three reporting agencies to remove the remarks from public records. I realize that they have the right to report up to 10 years, however given my payment history since then i am requesting an early dismissal of that reporting. At this point its simply defamation of my history because in fact i have a stellar history for the last 9 years. Please let me know what can be done about this. Thank you.

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 11/15/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Struggling to pay mortgage

Complaint: JP MORGAN CHASE XXXX AND XXXX HAVE COMMITTED WRONGFUL FORECLOSURE FRAUDULENT MISREPRESENTATION NEGLIGENT MISREPRESENTATION AIDING AND ABETTING PROMISSORY ESTOPPEL CANCELLATION OF INSTRUMENT THEY HAD LACK OF STANDING LACK OF JURISDICTION COMMITTED SECURITIES FRAUD MADE FALSE AND MISLEADING STATEMENTS DEFRAUDED THE COURT AND VIOLATED RESPA UNJUST ENRICHMENT THEY FORECLOSED ON MY HOME AND CHASE WHO VIOLATED MANY LAWS THEN STOLE MY HOUSE FOR {$500.00} TELL ME THAT ISNT CORRUPTION THEY BUY IT FOR THAT AMOUNT OF MONEY {$500.00} NOW THEY ARE TRYING TO EVICT ME AND MY CHILDREN

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Payday loan, title loan, or personal loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: During the months previous to XXXX 2013 I was contacted several times by CashCall Inc. through their advertising and phone calls, I really did not want to take a loan out, but at the time I wa struggling due to going through a XX/XX/XXXX. I also was having XX/XX/XXXX issues, that soon became serious and was on XXXX XXXX for about a year and a half. I was overwhelmed with house payments, child support, bills, car payments etc. The initial loan was for the amount of approximately {$2600.00}, and then soon became overwhelming with the inflated annul percentage rate of 184.36 %. I received a summons from CashCall and Im being sued for {$16000.00}. I feel I was in a bad state of XXXX and XXXX at the time they preyed upon me for a loan that is nothing but criminal, deceptive and deceitful at the least. This company should not be in business and is a shameful example of fair business practice. I plan on contacting the Attorney General as well as getting advise from an attorney I can barely afford. Why does the government let such companies as CashCall exist?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Fraud or scam

Complaint: Received a call from a XXXX XXXX and XXXX XXXX in XXXX IL about cash flipping. They took {$100.00} from me and never received anything from them. They have dropped all contact with me and all. This was a MoneyGram. 

Please look for these XXXX numbers : XXXX from XXXX XXXX. 

XXXX from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Mortgage) with Trinity Financial Services, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Virtually the exact same problem as the post from XXXX 2016 from a different person. " Trinity Financial Services, LLC a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at XXXX on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED! ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Even though the amount was paid 4 years ago as soon as the case settled it still shows on my credit report as unpaid bill.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (UT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended XXXX XXXX XXXX University XXXX XXXX and owe about {$110000.00} in private student loans. I am not able to make the payment of over $ 4,000/month because I am not working in my field XXXX. I am also experiencing a financial hardship XXXX loss of job ). I am not able to make these payments and do not want to default and ruin my worked-for credit score!! What do I do help? Navient is impossible to deal with and they wo n't help me at all. Can I lower my payments?? Can I postpone them until I am working again?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Account opening, closing, or management

Complaint: Bank of America closed my account in XX/XX/2014 ( I think ) and placed a suspected fraud/ theft on my name in XXXX making it hard to obtain a bank account with any other banks. I reached out to them on several occasions to have this resolved or investigated and have n't heard anything bank. I spoke with a branch manger on several different occasions and she has called the fraud department and all they tell her is that it is being investigated. They sent me my transaction history showing the money in my account and then coming out but I questioned the check that was deposited, how was it deposited, who deposited the check, how was it cashed, when and by whom. Nobody could tell me anything. I reached out to the company that they say furnished the check to verify that I have no type of business dealings with them or accounts. This company stated that they have nothing to do with myself and they do n't know anything of this check. Bank of America has be so called investigating this far to long. I 've even sent them my police report that I obtained back in XX/XX/XXXX for Identity theft after I found out that someone else had accounts in my name that I found out about after pulling my credit reports. They still have yet to reach back out to me or respond in any kind of way.

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