milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (AZ).
Issue: Managing the loan or lease

Complaint: I have been l financing a vehicle from Westlake financial for 2 years now. Anytime I contact the company the representatives are always very rude and handle me very rough. For the most part I paid on my car on time until this second year where things have not been so good. They have also done things such as mislead me in regards to fees associated with my account. I asked to have a due date change to assist me with on time payments and they have refused. I have also explain times of hardship and they do not care. I have asked them if I could make partial payments to pay half of my payment each time I am paid in the same month and they refuse. They have threatened me that if I do n't recover the payments they will repossessed my car and the repossession would be 2 times more than what the payments will be. They have been very rude and has caused very stressful times for me. For instance previously I had a past due balance and originally set up ACH debit. I called to cancel the debit and a representative supposedly updated the information. I received a insufficient funds notification at my financial institution stating that Westlake tried to withdraw the funds anyway without my consent. They charged me a {$15.00} fee XXXX when they were never authorized to withdraw the funds any longer. I really hate that I 've done business with this company they treat their customers very poorly and do not deserve to be in business. They do not understand that people face hardships and are not customer friendly at all. They do not try to work out arrangements they scream at you and tell you you should have made the payment on time then. I have also tried to refinance with another company who could n't figure out why so much interest was being apply to this loan even though at the time of purchase I had a lower credit score. They have also change things such as not reporting to all agencies credit wise and have not notified the consumer. I experienced an instance where another car loan company has tried to pull my credit report and according to the agency Westlake has not been reporting payments to my credit. Overall I am very dissatisfied with their service and the way they treat people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: I initiated an ACH transfer for {$10000.00} to Coinbase on  XX/XX/XXXX. It cleared my bank account on XX/XX/XXXX. Coinbase notified me that they received it on XXXX. 

On XXXX ( after trying/failing for several days due to Coinbase website issues ), I completed my identity verification. My driver 's license is issued by Minnesota, but I reside in Illinois. After my verification succeeded, Coinbase notified me that due to restrictions with residents of the state of Minnesota, my USD wallet was disabled. 

I immediately submitted a support ticket through their website letting them know that I resided in Illinois and not Minnesota. Once I received notification that they received my transfer on XXXX, I could not see the {$10000.00} on their website, and it has never shown up there ( since the USD wallet is n't visible at all ). 

At this point ( on XXXX ), I called their support phone number. They provided me another link to be able to submit my lease to verify my place of residence was Illinois. I uploaded my lease immediately and responded to the email as requested. XXXX I received a response ( the only email response I 've ever received from them that was n't initiated by a phone call from me ) that indicated they received my documentation and would submit it to a specialist. 

I have called ( and waited on hold a minimum of 1.5 hours each time ) at least six times to talk to support people. On the last call on XX/XX/XXXX, the support person indicated that I was still in the queue for a specialist, and if they even opened/viewed my ticket ( or if I responded to the email ) I would be dropped to the end of the queue! After explaining my issue again, they indicated that they thought my problems could be a technical issue. To avoid dropping me to the end of the 'specialist ' queue, they opened up another ticket in the separate 'technical ' queue. I have heard nothing further from either of these support tickets. 

Since I am now in both queues that I know of, I 'm not able to talk to anyone that addresses either of these queues ( I 've asked multiple times ), and I 'm not able to receive any other updates ( since the support people ca n't open my tickets and I ca n't respond to the emails for fear of dropping to the end of a long queue ), I 'm basically left without access to my money or seemingly any other recourse short of legal action. I decided to try this site before going that much more painful/expensive route.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Bank account or service ((CD) Certificate of deposit) with NEW YORK COMMUNITY BANK (NY).
Issue: Account opening, closing, or management

Complaint: I am filing this complaint because I was in a accident while I was atleast XXXX XXXX or XXXX years old. Which a lawsuit was won against New York XXXX XXXX XXXX to be held in a ( CD ) Certificate of deposit account. Which this account was to be guarded by the New York Community bank upon the age I reach XXXX for {$8300.00} dollars that should have matured several times and also accumulated interest and I demand all the matured funds and at the highest amount of interest should be placed back in this account upon me recieving my funds. Well I turned XXXX and it was time to go and retrieve the money that is rightfully mines so I went about getting all of my legal documents to retrieve the money from the bank. I live with my Uncle who assists me with this matter and I give him all legal permission to communicate with all parties involved. Which who I took the trip with to Queens County Savings Bank to retrieve the money which was awarded to me. Now upon the arrival of me reaching the bank and speaking with a Financial Service Associate XXXX XXXX and XXXX XXXX the bank manager of the bank which informed us that the money was put in a Abandoned Property Account in 2011. Now according to the stipulations of the court official order which was handed down by the Judge who handled my case. I have been following and going by the right actions to get this matter handled as quickly as possible because for the simple fact I should not be punished from retrieving this money that is rightfully mines for this banks XXXX mistake while breaking the law and i am truly fed up with this matter. They are also very unprofessional at New York Community bank for not returning phone calls and was put on hold for no-one to return to the phone. I was also informed to call XXXX XXXX from the Abandoned Property Division of New York Community Bank which also never answered my phone calls and never returned my phone calls either. Just take note that I will also be filing a complaint to the Better Business Bureau and I also demand that this matter be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Checking or savings account (CD (Certificate of Deposit)) with WELLS FARGO & COMPANY (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: XX/XX/ : Ref # XXXX - Requested account be closed and check be mailed XX/XX/ : Return call Ref # XXXX to confirm details of prev call and I also mailed letter as instructed to over-night department requesting account reactivation XX/XX/ : USPS Confirmed Letter was received via signature XXXX XX/XX/ : No call from Wells Fargo as promised once letter was received. Call today to request status update. No one has seen my letter. No one knows why my account is not active but shows active but wont allow anyone of the 4 or 5 people I've spoken with to close the account and mail me a check. My call was transferred a few times to operators and wrong departments until I finally spoke with XXXX, C-Rep Ref # XXXX that I can call back on XX/XX/XXXX and request my check and that would be ok even though it now falls outside of the " grace '' period. She spent the time to confirm some questions about me and indicated account should be reopened ( even though it was never truly closed ) and I can request the check on XX/XX/. 

By the way -- this is the 3rd attempt in 2 years I've made to close this account. I didn't document those attempts at the level of detail I am with this effort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Medical) with SECURITY CREDIT SYSTEMS INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an account with XXXX XXXX XXXX which I paid off in full. All my payments were sent directly to XXXX & I have all the receipts to prove it. There is this company Security Credit Systems Inc that has placed a hold on my XXXX account so that I can not get my crown replaced which I have paid for. Not only that they have reported this to credit agencies screwing up my credit. They say I owe them money. I DO NOT! I sent them a certified letter with return receipt so I know they got it refusing to pay them. I have never spoken with anyone from them nor received any kind of bill, statement or correspondence so I will not pay them. I expect this to be corrected immediately! Also, do n't you think its funny if I owed them money why they never sent me a bill for their " services ''. If XXXX paid them to collect a debt they got ripped off because I 've never heard of this company. Something I forgot to mention is I never knew I was in collections until I tried to make an appointment with XXXX an they told me I needed to settle with this company first. I 'm XXXX retired with a limited income I can not afford to pay for a crown twice & I should n't have to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to SLS Mortgage in XXXX 2015. For the duration of my mortgage between all the lenders I 've had, my homeowners insurance has been paid from my escrow account. For some reason, this has stopped, and I find out with a letter from my insurance company. I should also mention that my monthly payment has n't changed, so now I 'm suddenly paying the additional cost of my insurance. I called the lender and I called the insurance co. Both bounced me back & forth on this. In the meantime, I 've had to pay a few installments of the insurance to keep it active. But this week, I get a letter from a collection agency from the mortgage company which infuriated me further. All while I am still waiting for SLS to do research on this matter and get back to me on why this happened and what we can do. I take my credit extremely seriously, and I want my mortgage company changed. I did n't pick them, I do n't want them servicing me. I want to make sure my credit is n't impacted. At present both XXXX & XXXX report my credit at over XXXX. I have not missed nor been late with any mortgage payment, and I 'm not happy with the service of this company I 've never heard of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Latest call on my cell phone from XXXX ( Midland Credit of Michigan, although their XXXX XXXX is in XXXX XXXX, CA ) on XXXX XXXX, 2017 looking for someone not related to me as usual. Many calls are " hang-ups '' and never a message is left. Other calls come to my home phone. I am not a research service willing to give any debt collector any information about myself or anyone I may or may not know. I 'm certain that just a call back to direct them never to call me again will result in my phone number being added to their database and sold by them to databases all over the country. There is precious little federal protection from this sort of data theft. Such calls, where the caller KNOWS you are not the person for whom they are searching are harassing, hurtful and unethical. When these mountebanks call you, ignore them, NEVER give them ANY information and report them immediately to the BBB and sites like complaint.consumerfinance.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted a principal reduction payment for {$100.00} dollars on my loan in an effort to reduce my loan balance. They miss allocated the payment and charged me interest even though I am caught up on my regular payments. I made a payment on XX/XX/XXXX and in 6 days I somehow managed to accrue XXXX in interest charges. The odd thing is that from XX/XX/XXXX to XX/XX/XXXX according to the billing and payment allocation from n=Navient I only accrued XXXX cents in interest. It is my understanding from the promissory note that I can make principal reduction payments as long as I am current on my payment schedule which I am. They Explicitly state that you include specific payment instructions which I did.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ProCollect, Inc (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX I wrote to the company informing them that they have listed a collection on my account that is not mine. I asked the company to remove the information on my credit reports and I have not received a response from them. This item on my credit reports is inaccurate and damaging my credit. I understand that when you dispute an item on your credit reports the company needs to comply within 30 days. This company has not complied to my request.

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 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIRST NATIONAL BANK OF OMAHA (AL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In the early XXXX 's I had a credit card called XXXX. It went out of business long ago but I am still paying on my balance. They put up a website to take payments but they make it nearly impossible to get into it. Every single time I try to log in it gives me trouble by not taking my password. It asks to change passwords often too, and then it wo n't take the new password. Once you try three times it locks you out for three hours. Today is my deadline and I tried to get in to make my payment. It would n't take my password and then locked me out for three hours. By the time three hours is up, I will have a late charge because my payment will be late. I tried calling their XXXX number to pay by phone but there 's apparently no way to get anything but balance, etc from that number. This is ridiculous and I am tired of becoming anxious every time I try to pay this bill. Maybe they will answer you but I doubt it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IN).
Issue: Application, originator, mortgage broker

Complaint: I am a XXXX in Indiana. My client is getting a loan through USAA Bank. He is a veteran. This loan has been dragging on for close to 50 days. Now they need to extend the rate lock but want to charge my client {$9800.00}. It can not be rolled into the loan so it must come out of his pocket. They have not been expedient with this process. What do I do to protect my client????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Medical) with Nationwide Credit & Collection, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX I had a medical procedure completed at XXXX XXXX in XXXX, IL ( part of XXXX and recently acquired by XXXX XXXX ). At the time I had the procedure done, I thought I had insurance. Since I had not received a bill from the hospital, I did not know there was anything still outstanding. 

In XX/XX/XXXX ( over 2 years later ), XXXX sent me a bill for the first time stating that XXXX XXXX XXXX XXXX ( XXXX ) had paid the bill, then took the money back on XX/XX/XXXX. 

I immediately called XXXX and filled a hardship application, which was approved for 100 % financial assistance on XX/XX/XXXX. 

I also filed a complaint with the Illinois Department of Insurance ( IDOI ) against XXXX. My claim against XXXX was reviewed, and they repaid the insurance portion on XX/XX/XXXX. 

I immediately contacted XXXX XXXX to inform them that my efforts had resulted in them recouping the {$4400.00} back from XXXX. XXXX XXXX acknowledged that they received the XXXX payment. 

On XX/XX/XXXX, XXXX XXXX issued me an invoice for the 20 % co-pay that XXXX did not cover {$240.00}, even though the entire amount of {$4700.00} had previously been written off. 

On XX/XX/XXXX, I received a collection notice from Nationwide Credit and Collections for the same {$240.00} - even though I have a written letter from XXXX XXXX stating that I owed nothing. The financial assistance letter states it is good for XXXX months, so clearly it is still in force. In addition, my account was sent to collections apparently the same day I was sent the invoice ; and I was never even given an opportunity to resolve the issue with XXXX XXXX before they sent my account to collections. 

Also on XX/XX/XXXX I attempted to contact a manager at XXXX XXXX / XXXX XXXX, because clearly there is a procedural problem with their billing department. When I called the billing number XXXX, I was told that I could not have that information. I have tried searching online for the information and there is no clear way to contact anyone at the executive level to bring this to their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Payday loan, title loan, or personal loan (Title loan) with BANK OF THE WEST (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: After paying off the payoff on my loan Bank of the West send me another payment book for 11 payments. I tried dealing with this company about the total amount of my pay off without no regards they have not given me an answer just give me the runaround on the phone over and over and over and over again very stressful dealing with their customer service I filed a complaint with XXXX XXXX XXXX number XXXX the West never replied all I want is the title to my vehicle

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Motoring my credit thr ough 3 different websites I have attempted to correct false information. When getting in touch with the credit agency they inform me that my name is linked to a closed account ( s ) and I must contact the banking department. My name has been reported and linked to 1 o r more accounts incorrectly. I am unable to resolve the problem myself and upon inquiring with the company ( DSNB Macys ) they proceed to tell me the account is so old it should fall off soon. But its reflecting badly on my credit report and I want it fixed! Also the card was paid off but reopened under my social but incorrect name. If its not my name why is it being reported as such? I also noticed that there was a incorrect address and social linked to my credit report which was fixed and removed but not the names.

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 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TN).
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: On XX/XX/XXXX I pulled my credit report for my self and my wife and noticed that incorrect information was being reported for the month of XX/XX/XXXX and no information was being reported for the month of XXXX. I faxed over a request to have this information investigated and was contacted by a XXXX in the customer care and recovery group. Who advised me that he would be handling the problem and had opened a ticket # XXXX. On XX/XX/XXXX I reached out to XXXX XXXX to get a status on the incorrect information being report on my report and my wife 's report. I also advised him that this inaccurate information being reported is impacting our family. I explained to him that I had pulled all three of our reports and the XXXX information was reporting incorrect and XXXX was reporting no information at all. I emailed him a copy of the report for him to pass on to the department that was conducting the investigation. On XX/XX/XXXX. I contacted my XXXX and spoke with him. I was advised that his team had finished the investigation and they had determined that they are reporting the correct information to all three reporting agency. I explained him that I was looking at my most current report live and the information had not changed. I asked what method was used to validate and verify the information with all three agency. I was advised that they did not contact the credit reporting or send a refresh/update they just used an internal process. They just looked at a screen internal and verified that I what they had in there system was correct. I asked to be speak with a supervisor and or manager and was told that it was not necessary. I was finally transferred to a XXXX XXXX XXXX  in the customer care recovery group who told me that it's not Wells Fargo 's responsibility to ensure accurete information is being reported to the credit report agency and that he was closing the ticket and did not care that I would filing a complaint with the CFPB and my local State Attorney Generals office. I asked to please speak with his direct manager to try and resolve this problem before I moved forward with my actions and I was told that he " did not care '' and " I am denying you from speaking to my direct report, I don't see the need '' I have customer since XXXX and I have never been spoken in such a unprofessional manner by these two individuals.

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