milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: alliance one has been misleading me for a number of years now regarding the amount I owe the traffic court of XXXX county. they led me to believe i was eligable for an amnesty for which i sent them {$490.00} which was not amnesty since they claim now i am not qualified for all accounts had been sent to tax board and my wages garnished but as of XXXX/XXXX/16 that account no longer exists thier lawyer said i owed {$9500.00} yet thier office sent bill of $ XXXXand of {$8000.00} and yet i have paid off {$4500.00} lets get whats really owed and whats not I feel i should get a lawyer but with debt this much who can afford one

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Mortgage (Other mortgage) with Meridian Title  Corporation (IN).
Issue: Credit decision / Underwriting

Complaint: I purchased a XXXX acre property and was issued a title policy by Meridian Title. The policy stated their were no encroachments on the property. It was later determined that there was a pipeline running across the property and they held a blanket easement on the entire property. Several attempts by me about the problem were ignored by the title company. I had to hire a private attorney to assist me in this issue. It is now over {$5000.00} in legal fees later and the title company attorneys have refused to advance the case to mediation

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (SC).
Issue: Account opening, closing, or management

Complaint: I have been banking with TD Bank for approximately two years. I knew from the beginning that they were nothing but a bunch of crooks. They expect their customers to keep a specific balance in their checking account. I talked with the manager at the TD bank in XXXX about the {$15.00} service charge based on the balance. He agreed that it was not appropriate and refunded my money. It is my money and not this bunch of crooks. 
They took {$15.00} out about two months ago and I complained. They refunded the money. Now they have done it again and overdrew my account. CROOKS. I will change banks just as soon as my SS check is deposited. I hate the legal crooks that banks are. They provide no services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CT).
Issue: Unexpected or other fees

Complaint: The company Coinbase ( https : //www.coinbase.com/ ) has kept my " XXXX '' after a hard fork of the " XXXX '' chain. This " XXXX '' has value, they have kept me from gaining that value, by withdrawing my " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: APR or interest rate

Complaint: Bank of America issues introductory rates of 0.00 % interest. They would show that interest rate and expiration date of that rate in a certain part of the page when viewing your transactions. Near the end of your introductory rate that effected all purchases, they would offer 0.00 % on balance transfers. They would stop showing when the 0.00 % expired for the first period and only show the second period. The only problem to me is that this is on the exact same part of the page that previously showed the introductory rate. This seems like an unfair and deceptive practice. I was charged interest because I thought that the introductory rate was still on that part of the page.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My XXXX XXXX account opened XX/XX/XXXX was sold to XXXX XXXX XXXX XXXX  and subsidiaries ie XXXX XXXX XXXX in XX/XX/XXXX.My account was involved with the CFPB consent order of XX/XX/XXXX and XXXX was required to cease collection of this account, release the judgment and remove the trade line from my credit report. I have talked with XXXX and they have stopped reporting the debt and removed the judgement from the XXXX account they bought and owned from XXXX. But XXXX is still reporting the trade line last reported XX/XX/XXXX even as they do n't own the account anymore they sold the account not transferred the account .The XX/XX/XXXX CFPB consent order ceases collection activity and removes this trade line. I do n't see how XXXX can still be reporting this, it seems they want to get around the CFPB order and still penalize me when unfair practices were used to collect this debt .I have asked XXXX to remove the credit line and was told no they would not. I feel that by XXXX reporting this trade line they are still trying to collect on this debt as it is affecting my credit score by being listed as an unpaid debt. By the CFPB order XXXX can not receive any form of payment to this account, I can not even pay this debt to improve the effect on my credit report due to the CFPB consent order of XX/XX/XXXX. I am requesting that XXXX remove this credit line in accordance with the CFPB consent order of XX/XX/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 non-monetary relief
Consumer complaint received 12/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Credit decision / Underwriting

Complaint: We have a loan modification with a shared appreciation clause with Ocwen Loan Servicing since XXXX. We sold our home outright XXXX, XXXX XXXX. They charged us for an appraisal not called for in the agreement, ( XXXX, ) and ignored crediting us for a new roof ( XXXX. ) done since the agreement, also in the contract. They lose all docs. sent, they over and over make you set up phone appointments with Relationship Managers who continually tell you that some other dept. ( which you can not talk with ) is working on the complaint and will have an answer is 2 to4 business days - the answer never comes and the run and round never stops. We need our money and it is very clear they do not not intend to give it to us! They are nothing better than crooks defrauding their customers. They have lost XXXX sets of papers sent only to now ignor us completely. Yesterday they said a ltr. went out to answer the complaint - i asked for it to be emailed - this am it came. They answered the question about foreclosure costs ( we we never in forecloser ) and again stated they could ask fo the appraisal - they did not even mention the roof replacement. MY WIFE AND I ARE IN OUR XXXX 'S AND OUR HEALTH IS NOT GOOD AND GETTING WORSE EVERYTIME I HAVE TO CHASE THEM AND END UP A SCREAMING MANIAC FOR THEIR IGNORANCE AND ILLEGAL MANUEVERING!!! THEY ARE GOING TO KILL XXXX! WHY IS THIS COMPANY ALLOWED TO DO THIS - THERE ARE HUNDREDS OF COMPLAINTS ON THE INTERNET AND NO ONE IS TALKING ABOUT THEM ... WHY ARE N'T THEY EXPOSED IN THE MEDIA FOR WHO THEY ARE - LIARS, CROOKS, THIEVES. PLEASE CAN SOMEONE HELP US?

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have contacted Experian numerous times to have items deleted. There are XXXX negative accounts still reporting that clearly violate the 7 year fair reporting act but Experian refuses to discuss this any further. If I do not have this information removed in a timely manner as per the 7 year fair reporting act I will have no other choice but to proceed with legal action. Please review this case as the 2 reporting accounts have clearly surpassed the 7 year reporting requirement 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 11-10-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CT).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I was using this application that you can buy/sell XXXX on called coinbase. For some reason I coinbase closed my account on XXXX/XXXX/XXXX, I was doing nothing wrong and coinbase can confirm that by viewing my account. I contact them that same day by phone but the rep was not able to help me at all. So I sent an email to support instead, I received the generic we will get back to you email and I have waited 5 days without a response on this. No one is able to explain why my account was closed in the first place, as well as me not being able to log into my account to get the few dollars I still have in my account with coinbase. I emailed them every day this week in hopes that someone can help me but I still have no response. 

My case number is # XXXX and # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Student loan (Non-federal student loan) with GREAT LAKES (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am on a reduced interest/monthly payment however due to ME making payments on XXXX and my parents parent + loan, I have been unable to make any substantial payments on this account, I pay $ XXXX when I can but I can not overdraft my account any more without not having any food or having my car taken away. Great Lakes continues to post negative marks on my credit report, there is no way for me to get any kind of extension or forbearance or anything based on my conversations with the Great Lakes reps - they are also calling my parents ( who are cosigners but living in poverty with health concerns ) every single day asking for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Over the past year there have been hard inquiries placed on my report that I did not authorize. After reaching out to the credit organizations they still have not fixed the problem nor deleted the requested information after several attempts.

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 11-08-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing to complain about the practices of PNC Bank relating to a mortgage loan and the ability to resolve a deficiency. Due to the financial crash of 2008, my home value has suffered a loss of approximately {$300000.00}. I have been trying to sell the house for five years with no offers that meet the amount owed. I requested a modification and after the modification was approved the monthly payments were actually higher than the original mortgage. I maintained the payments through the trial period after which time PNC stated we could sell the house through short sale if necessary. We found a buyer, however PNC wanted more than was owed and declined the offer. The loan went into deficiency again and we eventually found another buyer who made an offer and PNC was informed of the offer and began the process for short sale. While in the process of short sale PNC submitted the loan for modification status without our request, knowledge or approval ( it was the same as the current payment with no modification ) and removed it from short sale status, resulting in a delay of the short sale approval process and then turned around and put it into the foreclosure process

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: So a couple days ago ( XX/XX/ ) I purchased XXXX which my bank ( Suntrust ) allowed me to do but I had to call and verify the transaction. I just moved down to Georgia and got my first paycheck. After my move funds have been tight so I deposited my first check in the amount of {$5100.00} to a Suntrust ATM on the night of XX/XX/. I tried accessing my account online today ( XX/XX/ ) and have found out by calling that my account has " violated terms and conditions '' which was information disclosed by a customer service representative. I don't get paid again until ( XX/XX/ ) and a lot of bills will be due at the same time. I know I am making this complaint early, but I have seen the horror stories associated with banks such as Suntrust freezing money of their clients while they " research the account ''. My account has been open for less than a month now and that was the only transaction that set off a flag and had me call to verify which I thought was standard buying cryptocurrency. If this does violate their policy I would just like my money as soon as possible. I asked the customer service representative where I could find the terms and conditions of the account and he claimed " the only place to find this would be through your online account '', which I have no access to. It feels like I'm being taken advantage of already and I am willing to own up to it if I am not allowed to purchase cryptocurrency. If that's the case I should have read the fine print. I would just like my money so I can start an account elsewhere or to have this issue resolved in anyway possible.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
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: Portfolio recovery was disputed a month and a half ago and was deleted from my credit report, now they are back on there is was found that it did not belong to me. There was no notice to me that it was going back on there

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX collection agency, XXXX XXXX XXXX, is incorrectly reporting a {$0.00} balance collection on my credit bureau reports which is negatively affecting my credit. I 've disputed this matter with each credit bureau, but in their remarks they state that XXXX " meets FCRA requirements ''. XXXX XXXX XXXX website is broken or down so I do not have contact information to address them directly.

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 02/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time OCWEN stated that the application was lost, re-apply. During the period of XX/XX/XXXX a new application was submitted to OCWEN. The mortgage investor is According to our records, the owner of your loan is : XXXX As Trustee For IndyMac INDX Mortgage Loan Trust XXXX, Mortgage Pass-Through XXXX I have applied 2 times since with OCWEN only to be denied : without an explanation for the denial. The latest denial was on XX/XX/XXXX. 
On XX/XX/XXXX A telephone call to my agent : XXXX was contacted to ask why was I denied : answer is that I did not meet the investors guidelines. 
My mortgage went from $ XXXX@3.875 % in XX/XX/XXXX : up to $ XXXX@4.5 % hike in monthly payments and interest rate on XX/XX/XXXX. 
Our mortgage is an interest only mortgage and pays {$12.00} principle for the last 10 years. On XX/XX/XXXX, I filed an appeal and CFPB complaint against OCWEN and XXXX. 
I have a medical hardship and loss of income due to husbands XXXX medical condition. We both are on fixed income. 
The homeowner is qualified and eligible for a loan modification : homeowner was deied when qualified. OCWEN signed a consent agreement with a DOJ penality of XXXX Dollars for wrongful denial of loan modification to homeowner, when qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Mortgage (FHA mortgage) with AMERICAN INTERNET MORTGAGE (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My complaint is that I can not obtain the participation in HUD-assisted programs and activities without regard to race, color, national origin, sex, religion, familiar status ( families with children under 18 ) or disability due to programs not available exclusively to me, XXXX XXXX XXXX XXXX. 

The type of problems I am having is HUD assisted programs and HUD activities. 

Its happens to be no HUD-assisted programs and activities are where I can find them. 

The company is XXXX, XXXX, and XXXX. 

The people involved are Employers and Hospitals refusing to Disclose my XXXX XXXX and XXXX XXXX to HUD-assisted programs.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with Experian Information Solutions Inc. (IA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: EXPERIAN IS REPORTING SOCIAL SECURITY NUMBERS THAT DO NOT BELONG TO ME AND I HAVE SUBMITTED SEVERAL TIMES MY SOCIAL SECURITY CARD AND PROOF OF IDENTITY AND THEY STILL HAVE NOT REMOVED THEM 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 non-monetary relief
Consumer complaint received 01/24/2017 about Credit reporting () with NAVY FEDERAL CREDIT UNION (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I paid off Navy Federal on a settlement. They have sent me documentation that I owe nothing more and I even filed a XXXX to pay taxes on the amount I did not pay during the settlement. It is still on XXXX and XXXX and needs to be taken off immediately. I have called several times and I keep getting the same answer that they will resubmit. It has been over a year now and it 's affecting my ability to buy a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Payday loan) with National Check Resolution Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My wife received a call from National Check Resolution stating that we owed on a Payday loan, XXXX. They also stated that they where going to serve papers for a court case scheduled in two weeks. This scared my wife enough that she paid a reduced amount of XXXX verse the stated amount of XXXX dollars. 

I then called them back to verify what had happened. They told me a loan was taken out in XXXX of 2014 and paid to my XXXX XXXX account. NCR did have my XXXX XXXX Account 's last XXXX, my social number and home address. I told them I never filed for a payday loan in XXXX of last year. They told me it came from my homes IP address and that I should remember taking a loan out. They told me the loan amount was XXXX dollars. 

I verified through my bank, XXXX XXXX, that no deposit was made from XXXX XXXX in any amount. In fact hat no deposit of XXXX dollars are made to me account during the month of XXXX. 

They also stated they would not refund the money as it was a closed case.

Company response to consumer: Closed
Consumer complaint received 07/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: During the recession we were having trouble keeping up with our mortgage, so Bank of America offered us a option to help our situation thru the harp program. They took what we were behind in payments, added more to that for fees etc, and extended our loan to a 40 year mortgage. So now we find ourselves paying about the same payments that we were before only now much less of that money goes towards the principal. When you are facing loosing you 'd home, you will agree to terms that are not to your overall benefit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 03-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (OH).
Issue: Advertising and marketing

Complaint: I was denied the Extended Payment option benefit on my Platinum American Express Card. See page XXXX of the PDF where the option to pay over time is listed and pages XXXX-XXXX where the benefit is described. There is no mention of only select accounts are eligible and this feature is a factor in my decision to keep this product. This appears to be a misrepresentation of implied benefits.

Company response to consumer: Closed with explanation