milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Mortgage (VA mortgage) with Shellpoint Partners, LLC (DE).
Issue: Struggling to pay mortgage

Complaint: I was XXXX XXXX for XXXX years and separated. The transition was difficult and finding a new job with new expenses such as XXXX and XXXX expenses made it difficult. I fell behind when I was unable to pay expenses for XXXX and housing difficulties to include leak in house, leak outside house, car care, job transition that was not paying amount needed to live within means. Relied heavily on income tax return to get back on track but entire amount was taken to pay off XXXX XXXX XXXX starr card. XXXX approx. would have been used to catch up on housing mortgage. I never was informed that this amount was taken or to be taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ASSET MANAGEMENT OUTSOURCING, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I asked for verification of the information that XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2011. However I have yet to receive a copy of an Agreement that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Payday loan debt) with MNE Services, Inc (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX from XXXX of XXXX called me claiming I owed a debt, which I do not, from an online loan. He began calling my work number and then continued to call the main switchboard at my work after I told I would not pay a fake debt. He called over 100 times in 20 minutes and brought down our phone lines. We are a XXXX so this can not happen. They continue to call from an unknown number which our IT dept can not block.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (International money transfer) with SUNTRUST BANKS, INC. ().
Issue: Money was not available when promised

Complaint: I transferred XXXXUSD from Suntrust Bank ( XXXX XXXX XXXX ) to XXXX XXXXXXXX XXXX onXX/XX/2018. The Reference Number is XXXX. Unluckily the banker in the Suntrust Bank made a huge mistake on the recipient bank number, so that I can not receive the money in XXXX. I also phoned the Suntrust Bank ( XXXX XXXX XXXX ), but nobody answered.The XXXX XXXX XXXX also sent a letter to the bank, asking for an amendent letter for the correct recipient bank number as soon as possible. Otherwise the money will be refund to Suntrust Bank ( XXXX XXXX XXXX ). I am so worried. Please help me XXXX this case. Please contact me by email ( 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 12-06-2017 about Debt collection (Other debt) with ERC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Enhanced Recovery XXXX does not have the licenses to collect on a debt in the State of Texas. 

XXXX Date : XX/XX/XXXX-XX/XX/XXXX-2014 Amount {$330.00} Tried to call multiple times with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Other bank product/service) with ASTORIA BANK (NY).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX, my XXXX Aunt went into her Astoria Federal local branch in XXXX. She had XXXX CD 's that were maturing in XXXX. I do not know how they convinced her, but she was guided to the " investment desk '' and met with XXXX who convinced her to take XXXX CD for approximately {$12000.00} and an IRA CD worth about {$14000.00} and put them into tax deferred annuities with 7 year surrender charges! There is no justification for this " transfer '' since the annuties are not paying more than the CD 's were, and now she ca n't get at her money without a huge Surrender charge which is currently 6 %. Not only that, but they did not even wait the 1 month until the CD 's matured and it cost her roughly {$60.00} in " penalties '' for breaking the CD. Why not wait 1 month so she would not have to pay an extra {$60.00}? The answer is GREED and COMMISSIONS. 
This lady was taken advantage of, and now has financial problems not being able to access her money. Then in XXXX, she went to XXXX bank in Astoria and worked with XXXX and they took her out of an IRA annuity with XXXX paying 2.75 % and put her into an immediate payout annuity with Principal that is paying a 1.8 % interest rate. On the Regulation 60 paperwork, they put down that the reason for the transfer was " need for income '', their reason that the XXXX contract could not satisfy the need was " this is a fixed annuity ''. Well a fixed annuity can be annuitized to satisfy the income need, and since it was an older contract, likely would pay out at a higher rate. Again, they did this for commissions. They did not have the best interest of the client in mind. Also in the suitability section of the application they put her investment time horizon as " more than 10 years ''. What XXXX has that investment time horizon? 
This is a horrible example of banks taking advantage of senior citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I graduated XXXX in XXXX XXXX and could n't find a job until XXXX XXXX. But my private loans would n't put me in a deferment status saying I used it all up when I graduated XXXX. Now my loans are close to default and I 've tried to make payments once I got my job but then was let go and they do n't care and are about to default my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I sent a Wire Transfer on XXXX XXXX, 2017 in the sum of {$5000.00} to Coinbase and received this email the following day : " XXXX replied : Hi there, This email is regarding a wire that was sent to your Coinbase account. 

Unfortunately it appears that the legal name on the wire we received is the name of your bank. Please work with your bank to correct this. 

In order to wire funds to us, the name on the wire must match the name on the Coinbase account. Because of this we will be returning the wire, and the funds should arrive in your bank account within a 3-5 business days. 

Moving forward, please wire funds from a personal bank account held in your name to avoid any wire processing delays. 

Thanks for choosing Coinbase! '' It was stated that the funds will arrive back to me within 3-5 days, but as of today I have not received the fund back in my account. There is no reply when contacting support or any information as to where the money has gone. It is a fraud that this company is able to withhold money indefinitely without providing any means of contacting someone who is able to correct the issue. 

The coinbase case number that was provided to me is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My father and I have been receiving multiple phone calls from Navient per day, even after speaking with a representative. On XXXX alone I received 3 calls. I told the first rep that I would n't be able to make a payment for two weeks and was told it would be noted in my account. Why then was I called again two more times the same day. My father ( cosigner ) just informed me that he also is receiving multiple calls per day and being threatened with credit reporting. Last week a rep stated that by making a payment, credit reporting would be rolled back 30 days. The payment was made, so why the threats? This has gone on for a couple months now, back and forth, one rep says one thing and another something totally different. Navient refused to allow a repayment plan based on my reduction in income and now the result is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Student loan (Federal student loan servicing) with EdFinancial Services (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a student loan with EdFinancial services and have been planning on getting PSLF loan  forgiveness. When I consolidated my loan I told the lender that I was planning on this and I asked which plan would work. They put me on the Graduated Repayment plan. I just contacted my lender to verify that I have made 120 qualifying payments and they told me that the payment plan that I am on does not qualify. As a result I owe a large amount of money that I was expecting to have forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent a method of validation letter to Experian regarding an account that is listed on my credit report. The letter that I sent to Experian is attached. Experian did not answer the questions in my letter and has n't removed the account from my credit report. Experian sent me a copy of my credit report. If they are unable to properly respond to my letter the account should be immediately removed from my credit 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 06/22/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Problems when you are unable to pay

Complaint: My XXXX XXXX XXXX was Reposessed by Wells Fargo Bank on XXXX/XXXX/XXXX. Wells Fargo hired a company called XXXX that then subcontracted with XXXX XXXX XXXX out of XXXX, PA. Upon learning that my vehicle was Reposessed I contacted IRS in order to recover my Personal Property. I was informed that my vehicle had been transported out of state and that my property would cost me {$75.00} to have it returned. In addition I was told I was not allowed to have the Ball Hitch that I had purchased because it was " attached '' to the vehicle. I asked the manager there what if my boat had been attached to the hitch and she laughed and said " bye bye boat '' I reached out to Wells Fargo because I had been told numerous Consumer laws had been violated throughout the repossession process. The agent drug the vehicle out of my driveway leaving over XXXX ' of skid marks down the driveway and out onto a main road. In addition I am being told that the Ball Hitch and Lockong Pin, most definitely needed to be returned, and also that IRS was required to keep the vehicle in the state it was Reposessed in and they actually transported it over an XXXX drive from my home.

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: After my deferment I called navient to see if there was anything that could be done with my incredibly high monthly payment and they insisted that they could n't help me. I 'm a single mom and my monthly payment is more than I make in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Debt collection (Mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Previous application : Your submission, [ Case number : XXXX ] Received mail this weekend that was apparently sent XXXX, XXXX, from XXXX XXXX XXXX who are restating the facts without answering the allegations. 

Bk Discharge was received in XXXX, XXXX all creditors were listed. XXXX XXXX XXXX, XXXX is now Pursuing me for the Debt, but they say Lien or security interest, when I have not done any business with them. 

They did an illegal transfer of assignment while in BK court, have not answered the previous complaint to this Bureau or my concerns. Brought them into BK court again, for sanctions and violations. The Case was dismissed on XXXX XXXX, XXXX. 

XXXX XXXX XXXX, XXXX and HSBC are Servicers acted as Debt Collectors and never proved, verified anything except a copy of the Note and Mortgage that was NEVER signed to them. These criminals seem to be making money over and over violating the rights of man and woman and displacing families with no authority. 
This claimant is asking for a higher Authority to make them verify and prove there allegations. Especially when the Note and Mortgage travel together. Their proof is sending the Note and Mortgage/Deed over and over. Proving more and more that their names are not parties. 

Claimant proven over and over that XXXX is only Nominee and has no authority to assign and transfer. 

Now, I am faced with Eviction for a discharged Debt. XXXX XXXX XXXX, XXXX is not a Creditor. XXXX XXXX was operating under another Trust which was closed XX/XX/XXXX. Now, they are operating under another Trust and I am the only one asking questions. 

HSBC did not have interest so, how could they pass interest to their family XXXX XXXX XXXX, XXXX Why does the fraud end. 

Liens are security agreements and do not carry a monitory amount with it. They are separating these documents and illegally going against the FDCPA and the UCC without proving anything. 
Now coming after my property without proper verification. 

HSBC could not prove XXXX XXXX XXXX, XXXX XXXX prove because they are a servicers XXXX XXXX alleged Trustee is using another private Trust XXXX MASTER PARTICIPATION TRUST. instead of the XXXX XXXX ASSET BACK TRUST ( original ). 

At no time have either parties proven anything, through their alleged attorneys XXXX XXXX and now XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (VA mortgage) with LENDER LIVE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing a formal complaint against XXXX XXXX XXXX and LenderLive. I closed on my home through a VA Loan on XXXX XXXX, XXXX, through XXXX XXXX XXXX ( XXXX ). XXXX started using LenderLive for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents XXXX XXXX XXXX. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called LenderLive later to confirm that my payments were being applied to the mortgage. A Lender Live employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from XXXX XXXX XXXX. XXXX 's letter makes no mention of Lender Live, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to Lender Live to discuss why a Lender Live employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship LenderLive has to XXXX. The supervisor confirmed that LenderLive has a relationship to CENLAR and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at LenderLive did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet LenderLive failed to meet that 15 day deadline. In summary, my complaint names XXXX XXXX XXXX, XXXX, and CENLAR. My concern with XXXX is that my VA XXXX is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of XXXX XXXX XXXX and LenderLive ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Late fee

Complaint: I have a Bank of America issued XXXX credit card.This card has been used monthly since 1993. Until this month, XXXX 2015, the card has always had a grace period. This month a {$25.00} late was assessed on the due date for payment. I have excellent credit and always pay in full each month. At this time, I am having a difficult time finding a major brand credit card with a 30 day grace period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have limited exact dates of transactions as the company XXXX XXXX XXXX closed in XXXX of XXXX. I purchased several packages from XXXX XXXX XXXX for XXXX XXXX XXXX between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from Comenity Bank asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX  owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as Comenity asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. Comenity is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that Comenity Bank received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. Comenity is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I opened an account with a bank institution and they kept telling me i was late on my payments even though i was n't. They added so many extra fees and late penalties even though i could show them that i paid every bill that i received that i finally just closed the account and since they refuse to work with me then i refused to work with them. But now they have put things on my report that are damaging it severely.

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 11/22/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/15 I initiated a money transfer via Western Union at XXXX store # XXXX to my bank which is out of state. I needed the cash there for payment of bills, and usual household expenses. 

On XXXX/XXXX/15 I received a text message from Western Union stating the deposit was delivered to my bank. 

On XXXX/XXXX/15 I called my bank, XXXX Bank, who stated they did not have any record of a deposit in the amount I sent. 

XXXX/XXXX/15 I called Western union. In a recorded phone conversation, I was told that the money was rejected by my bank, as they do not accept western union transfers and I could return to the agent immediately to pick up my cash. 

Arrived at the agent location and western union denied my refund stating it was delivered to XXXX Bank. 

I called XXXX Bank again. The money is still not showing in my account. 

At this point, I have lost {$1000.00}. I have receipt to prove the money was given to the teller, and neither XXXX or Western Union will account for the location of my money.

Company response to consumer: Closed with explanation