milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (TX).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Bridgecrest is reporting a auto loan that I 'm not responsible for. I have disputed and sent paperwork with explanation.Please help me resolve this matter quickly.

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 02-02-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: I filed a complaint about chase credit card refusing to cancel my annual fee card in 2014. I finally did get a letter and they either did not charge me or they credited back the annual fee. They switched me to a non annual fee card. I had noticed that the computer was full of complaints about chase credit card doing the same to others. 
Today I received a call from a XXXX XXXX who said she was from Chase credit card and responding to a complaint I had filed. She would not tell me what the complaint was or who it was from. However, she asked several personal questions of me. She said this was for verification? Finally I said she should have this information if she 's really from Chase. I explained that any complaint I made was back in 2014. She then checked dates but said she just got it today. I explained to her what the incident had been and that Chase admitted I had called to cancel my card but the transaction had not been completed by their agent. Chase refused to provide copies of the conversation to me. XXXX XXXX then began to argue with me that all their information was proprietary. Hiding any records from the customer. I told her I did not want to continue the conversation with her. 
I am putting Chase on notice that any future conversation from them to me should be done IN WRITING. The call from XXXX became threatening and I had to hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Balance transfer

Complaint: Balance transfer : Well Fargo and XXXXI did a balance transfer ( XXXX ) from Wells Fargo to XXXX in XXXX 2015. 
XXXX claimed that they have paid the money to Wells Fargo, Story with Wells Fargo Wells Forgo says it has not received any money. I have been following up for 3 months.Calls lasting from XXXX to XXXX hrs with both banks with no resolution. 
Wells Fargo said 45 days back that they will open research case and get back to mein 30 days, I called them now and they said their Rep notes does nothave any trace of such conversation. I had asked them for a letter/emailsaying that they have not received anything, was told that no suchprocess exists.Today the representative said he has issued me a letterWhich I will get in 2 weeks. ( as I spoke about filing Consumer complaint ) XXXXThey have sent a letter with details of payment made, they also tried tocontact well Fargo and Wells Fargo did not have 'my permission ' to speak with them. Wells Fargo did not mention anything like that during my talk neither did it reach out to me to ask for any permission. 
This is seriously sub standard service ( actually no service from both banks ) and loss of my business days costing me at least XXXX times morethan the actual amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: IN XXXX OF XXXX .I CONTACTED XXXX ABOUT MY CHARGE ACCOUNT .I TOLD THEM MY HUSBAND LOST HIS JOB IN XXXX.BUT I STILL CONTINUED TO PAY THIS CREDIT CARD IN GOOD FAITH .TO REPAY DEBT.I MADE.I TOLD THEM MY HARDSHIP CAME DOWN TO PAYING TO KEEP THE ROOF OVER MY FAMILIES HEAD. I ASKED THEM IF THEY COULD LOWER MY PAYMENTS.I TRIED TO MAKE A {$100.00} PAYMENT THEY REFUSED THE PAYMENT.I CONTINUED TO TELL THEM I COULD NO LONGER AFFORD TO PAY ALMOST {$200.00} A MONTH WHICH I PAID THAT AMOUNT EVERY MONTH FOR ALMOST 2 YEARS.I MADE THE PAYMENT XXXX TURNED AROUND AND GAVE ME A NEGATIVE REPORT THE SAME DAY WITH THE CREDIT BUREAU .I MADE THE PAYMENT.THERE REPORT AFFECTED MY CREDIT SCORE.LYING AND SAYING NO PAYMENT WAS EVER RECEIVED WHEN THEY TOOK THE MONEY OUT OF MY ACCOUNT.IN XXXX I TALKED TO 3 DIFFERENT PEOPLE TRYING TO NEGOTIATE THIS ACCOUNT .MY BALANCE DOESNT LOOK CORRECT FROM ALL THE PAYMENTS MADE. I EVEN HAD PROMOTIONS STARTING FROM XXXX FROM XXXX AND XXXX THAT WERE NEVER HONORED.I NEVER REFUSED TO PAY MY DEBT. XXXX REFUSED TO LOOK AT MY ACCOUNT AND REFUSED TO ACCEPT A LOWER PAYMENT FOR ME.AT THE END OF XXXX THEY SENT A STATEMENT ABOUT A PAYMENT FOR {$57.00} AND THEN SAYING THEY WOULD OFFER ME PAYMENT ARRANGMENTS WHICH IS A LIE .AND THEY THREATENED TO TURN ME INTO A COLLECTION AGENCY..IF THERE PHONE CONVERSATIONS ARE RECORDED.IT WILL BE NOTED ALL THE TIMES I CALLED TO NEGOTIATE MY ACCOUNT.THEN A FEW DAYS AGO XXXX XXXX I RECEIVED A NOTICE FROM XXXX ABOUT A CREDIT TO MY ACCOUNT FOR {$36.00} FOR A DEBT PROTECTION PROGRAM.THAT XXXX REFUSED TO GIVE ME BECAUSE OF ALL THE INTEREST THEY WERE MAKING OFF OF MY ACCOUNT.AND THE XXXX STATEMENT SAYS I 'M 4 MONTHS BEHIND HOW IS THAT WHEN I MADE A PAYMENT IN XXXX AND MY PAYMENT DUE DATE ISNT UNTIL THE XXXX OF EACH MONTH.

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 06-12-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: Deposits and withdrawals

Complaint: My husband and I were the victims of a scam. Someone called my husbands cell phone claiming to be a representative from USAA Bank which, at the time, was our primary banking institution. The individual posing as USAA requested that my husband verify certain pieces of his personal information in order that she could check to make sure he was eligible for {$10000.00} to be deposited into his account. To make a long story short, this individual was impersonating a USAA representative. They then proceeded to deposit fraudulent checks into several of our accounts to include my children 's dependent accounts and withdrew over {$6000.00} dollars from my husband 's account from an ATM machine all in one day which I feel is very strange. Shortly after all these transactions were made, we received an automated telephone call form USAA stating that they suspected fraudulent activity on our account and instructed us to call them. We called them and that 's when we were informed of the transactions. This was on XXXX XXXX 2015. Since that date, USAA has been very uncooperative with us. They have refused to give us information about how we can try to recoup the monies that were stolen from us. They have not even given us anything in writing explaining to us what our options are. Every time we call them in reference to this situation they say that we need to speak with someone in the fraud department and we have to hold for hours or are disconnected. It appears to me that they are deliberately treating us in this manner because we never had a problem with USAA until this incident. My most recent contact with them was today XXXX/XXXX/2015. I called to see if I could get some type of written documentation outlining the fact that our accounts were frozen due to this fraudulent activity which lead to my mortgage payment check being returned and incurring a fee and a 1 year penalty of not making any election payments. After I was transferred about XXXX times and was on hold for 1 hour, the representative told me, " USAA will not provide any information of the sort due to the fact that USAA has deemed that you are responsible for this series of events. '' I find it really hard to believe that as international bank that preys on the Military Community, ( we are a Military ), they could not give us any guidance or help with this potentially career threatening matter. My husband is and XXXX and I also work for the XXXX. We have both now been sent to a collections agency about the balances even after we have called to speak with their internal collection department to try and set up a payment plan for the over drawn accounts. This has been such a horrible situation and to have the door shut on us by a financial institution that I have been with for almost 10 years is very disheartening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called numerous times, and sent a letter to XXXX XXXX XXXX, some company named XXXX XXXX XXXX, and XXXX, requesting they send proof of account ownership or a signature card with my signature on it. After repeated attempts at calls made, a letter was sent XXXX XXXX, 2016 to each institution, I received a response letter from the Office of the Comptroller of the Currency dated XXXX XXXX, 2016 stating they had forwarded my complaint to your agency. I have made several attempts to have these XXXX accounts with the institutions listed above to remove derogatory information being reported continually on my credit report without any success. I have correspondence from XXXX stating they have declined any further action for the past three years, however it still remains on my report as currently in default, and subsequently negative. I would like assistance with addressing these accounts as listed above as soon as possible. Thank you for your help in getting this problem resolved!

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 06/28/2016 about Credit card () with ENCORE CAPITAL GROUP INC. (MD).
Issue: Closing/Cancelling account

Complaint: I opened an account in about XXXX with XXXX with a balance of {$500.00}. I wanted to close this account because the interest rate was extremely high, so I called to let them know to close it. Here it is XXXX, I received a summons for court claiming I owe {$830.00}. I am already overwhelming with bills everywhere. This has been such a hassle. XXXX has sold this debt to Midland credit company. This company is only willing to settle for {$710.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Rewards

Complaint: I signed up for a promotional offer, but my registration was not processed by American Express because of an error on American Express 's end. I was not aware my registration was processed by American Express at that time. The offer was for XXXX starpoints for {$10000.00} spending ( broken into XXXX increments ). After almost completing the spend, I called American Express to see when I could expect the points and they told me I had not signed up for the offer and they had a lot of technical difficulties in the past for this offer. I was told to finish up the {$10000.00} spending and they would backdate the purchases and I would receive the bonus. Another phone call later, and the customer service representative said XXXX of the bonus was pending to my account and was from this bonus spend. I would later find out, by calling the 3rd party bonus program, that these XXXX points were from referral bonuses unrelated to the {$10000.00} spending incentive. Six calls over the course of two months telling me that the points were pending and would be given once the next statement closed, multiple online chats, long hold times, and disconnected calls later and I was told they could not back date my purchases and I would receive no bonus points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: I was given Gift card to Lowes, I have a credit card with lowes and wanted to use the gift cards to pay against my balance instead of making a purchase. I could not do this online, so I went to the store they could not and would not do this. Finally I called lowes.com to help me get this done they refused it is against their policy nor will they cash out the cards so i can apply it to my payment. You are suppose to be able to use these cards for what you want, but that is not true you cant use them to make a payment. This is not right they are cash. Real money was used to purchase these cards and you should be able to use them how recipient sees fit. I do not understand how this can be right real money was used to get the card, and since they are money I should be able to use my money how I want instead of having to purchase products. I want this fixed for all consumers they either need to have a way for us to use these cards to make a payment or they need to refund the amount on the card in cash so that I can. Lowes will not do either they will not give me the money on the card so i can make a payment nor will they take the gift cards as a payment. My gift cards total XXXX so this important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I was notified by my Carrington Mortgage that my flood insurance policy had been canceled or expired on XX/XX/XXXX15. Since I live in a condo and our building was never required to have flood insurance, this was news to me. Still I scanned the letter and emailed it to our association manager for him to check into it. Apparently we are now required to have flood insurance. The manager scheduled surveys and worked with our insurance agent to get this done. I received a XXXX letter that stated that, if they did n't get a policy declarations page faxed to them in 20 days, Carrington would purchase flood insurance for me and bill it through my escrow. I spoke to XXXX agent at CMS with no satisfaction ... she only repeatedly told me that they would be purchasing flood insurance for me XX/XX/XXXX. Shortly after, I received, from our association 's manager, a copy of the flood insurance premium payment made XX/XX/XXXX with a 30-day waiting period for coverage to start. XX/XX/XXXX 2015, I wrote a letter ( attached ) and faxed it to the fax number for the policy declarations explaining all of this. I also asked for an email response and have yet to receive it. Today, after I saw in my online account that they had force placed flood insurance on my mortgage, I called the insurance department of Carrington Mortgage. I was told that they could not accept the copy of the premium payment and that nothing short of the policy declarations page could remove the policy they supposedly purchased. Although I had until today, XX/XX/XXXX to provide that proof, they placed the coverage on my loan XX/XX/XXXX and backdated it for the coverage to start on XXXX XXXX, 2015, the supposed date that my nonexistent last flood policy was canceled or expired. I 'm sure that Carrington Mortgage is going to attempt to charge me for several months of flood insurance even though a ) there was no policy in place until XXXX and b ) I, our association manager, and our insurance operated in good faith from the date of receipt of the first letter to secure flood insurance for our condominiums. I am not individually responsible for flood insurance for the condo building and we did everything in our power to get this done. I fear, based on my reading of many, many complaints about Carrington, that they are using this method as a way to increase fees to the business and defraud its clients.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (FL).
Issue: Managing the loan or lease

Complaint: I received an XXXX loan from prosper marketplaces. I paid it off in the month of XXXX 2016. In XXXX of 2016 I receive a late payment notice on my credit report. I immediately contacted Prosper and spoke to an XXXX with customer service. XXXX stated that my loan had been paid off and closed but my account was never closed. I was never told an account was opened and never asked for one. XXXX said the account does not generate fees but my credit report shows that the account requires a {$35.00} monthly fee.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Well, basically my mortgage company wa s Countrywide Financial & because  they & many others were deemed guilty of securities fraud by  XXXX   XXXX , I have also deemed the financial terrorists because of their criminal actions leading up to the   XXXX   mortgage crisis, I have pretty much lost everything. My home, my marriage, my career. I used to earn on average  XXXX  per year. However because of the criminal acts of securities fraud by Countrywide and other financials, rating agencies, etc., etc ... My career as a broker of Federal Funds between banks, was directly pretty much wiped out & I do have proof of this. So, why is it that my life was destroyed & the criminals are allowed to still send me a  XXXX  & or try to collect on the debt they turned toxic & used to destroy millions of lives, families & careers for decades to come ... Why is this ... In addition to them trying to collect on this toxic debt via debt collectors ... How can a criminal be allowed to sell this debt to a collector ... This debt should be deemed uncollectable & the criminal bank or lender should have no recourse in collecting this debt & or writing it off, as why should I receive a  XXXX  & also owe taxes on the very debt that was used to destroy my life & career. That is adding insult to injury ... Forget about the Mortgage Debt Forgiveness Act, as that my not be available to me when the toxic dust settles for me ... What I need is a full financial pardon from all my toxic debt that was rendered a weapon of mass destruction by these financial terrorists. That means from also not having to pay taxes on this toxic debt that was used to destroy everything ... Why should I have to pay taxes on this debt, when this debt already destroyed my life & career on the first pass ... Please let me know what you may be able to do for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Trouble during payment process

Complaint: My concern involves how my escrow account is being handled by Rushmore Loan Management Services. My property 's flood zone was updated by FEMA which no longer required me to carry flood insurance. I cancelled my policy with my insurance company in XX/XX/XXXX and contacted Rushmore to remove the flood insurance policy from my escrow account. I mailed in the cancellation documentation at Rushmore 's request. They confirmed receipt of this documentation and a customer service rep told that they would remove the flood insurance from my account and when an escrow analysis was done at the end of the year, my payment would be updated and I would be refunded for the funds that had been escrowed for my flood insurance. Instead, when the escrow analysis was done inXX/XX/XXXX, flood  insurance was not removed and an account disbursement was noted for payment of flood insurance that was never billed. A customer service rep confirmed for me that funds were taken out of my escrow account to pay flood insurance but would not tell me where the funds went since there was no flood insurance bill to pay to the insurance company. I was told it would take 30 days for the funds to return to my account and then they could consider doing an escrow analysis to update the escrow account, refund me for overages paid and adjust my monthly payment. Upon further review of my incorrect escrow analysis, I grew more concerned when I noticed that myXX/XX/XXXX payment to my escrow account was not accounted for on the analysis. It seems that instead of reconciling my account and investigating why flood insurance was still a line item on my account, Rushmore conducted fraudulent activities to justify carrying and collecting an illegal surplus of escrow funds.

Company response to consumer: Closed with explanation