milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (NV).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I moved from an apartment and was told I owed money on a carpet clean. This was sent to collections to a company called IQ Data. They called me, and asked how much could i pay. I told them i dont have any money to pay it. They asked for a card to keep interest from going on the account so i gave them my credit card and told them to call me on friday ( this started on a Monday ) to see if i have the money for it. I spoke to a woman. On Wednesday my phone kept ringing at work so i answered it, I told the guy I told the woman I was gon na have them call on friday to see if? I had the money to pay the {$50.00} they wanted to do. I told him I didnt have the money for it. He kept calling me all that day and thursday and left me a voice mail message on thursday saying I refused to pay. I woke up on that friday and went to a gas station on my way to work to only find my credit card was charged {$50.00}. I called the company and spoke to a manager. He refused to give me my money back claiming I authorized the charge. This I did not do i would not do so if i am not sure if i can pay it. The manager spoke to me very disrespectfully. I called my credit card company and disputed the charge. They were suppose to provide this proof they claim within 15 calender days and according to my credit card company they did not. Today is XX/XX/2017 and I was called again from the IQ Data company stating they tried to run my card again and it was declined I told him I never said they could! I called again soon as I arrived earlier at work and spoke to their manager again, only this time he spoke awful to me. Saying I charged back the card and I got my money back claiming hes going to take it to " the next level '' and refuses to tell me what he meant by saying that. I also requested this proof of my authorization he claimed I did from the previous charge and he said " I can give it to you, but, I wont ''. I told him legally I should be entitled to this and he kept saying what he said to me speaking to me in a manor as if he was talking down to me. He was extremely disrespectful to me. Threatening me with legal action because I did a charge back on a charge to my credit card I do not ever recall doing so and refusing to provide the poof to me. I have never been talked to before by a company specially a manager like IQ Data. I got off the phone XXXX. I have never been threaten or talked to like that before.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for loan modification in 2010 which granted per attached approval notice from lender. Later, the lender applied rates not according to the approved loan modification notice. 
I request correction and full compensation from lender.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (VA).
Issue: Account opening, closing, or management

Complaint: JPMorgan Chase Bank has locked the electronic access to the account of XXXX XXXX. XXXX has a savings account only. In XXXX, 2015 XXXX and her husband XXXX moved from XXXX, XXXX to enter home XXXX with their son XXXX in XXXX, XXXX. The nearest Chase Bank is XXXX miles away in XXXX. They opened an account at a local XXXX XXXX and, on the advice of a Chase representative, used funds transfer to moved their funds from Chase to XXXX XXXX. These transfers are limited to {$100000.00} per day. After XXXX transfers the electronic access was locked until XXXX of my parents presents themselves at a Chase Branch office ( XXXX miles away ). They are XXXX of traveling a total of XXXX miles. The Chase Operating Loss Prevention Team declined to resolve the issue telephonically although they did send a letter asking us to call so they could " update your account information so you can resubmit the payment. '' My father has a separate checking account so he can access those funds although I expect he will also have trouble accessing his savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had purchased a sears credit protection plan effective date XX/XX/1998 with group policy number XXXX and XXXX with certificate number XXXX for account number XXXX would cover my balance my account if I get unemployed or XXXX. unfortunately I became XXXX and I notified the insurance company what just happened and become XXXX. and next thing I know I have a collection agency after me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Other bank product/service) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I tried to close my IRA Account with Union Bank because I am unhappy with their service. 
I want to transfer the funds to XXXX XXXX XXXX. XXXX XXXX XXXX call Union Bank and was told they need to send a request letter to their IRA Dept and the process would take 28 days, so I went back to Union Bank and requested the funds in the form of a cashiers check. They refused to close my account & give me the funds. They said XXXX XXXX XXXX would have to send a request to their IRA Dept. I asked how long that would take and I was told " a couple of days '' by XXXX XXXX. I went home and called the IRA Dept of Union Bank and they told me it would take 3 to 5 business days after they receive the request letter from XXXX These XXXX banks are only XXXX blocks apart. I feel like I am just getting the run around and I am getting tired of it. Right now I am calling Union IRA Dept every day to see if they received XXXX 's request letter. If they do n't want to transfer the funds they could just keep saying they did n't get the letter. I am an XXXX year old widow and I think they are stalling to get back at me for closing my other accounts at Union after I told them I was unhappy with their service.

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 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: In reference to Case # XXXX - LOCKED OUT OF COINBASE AND UNABLE TO ACCESS MY OWN MONEY FOR 8 DAYS AND COUNTING! 

Coinbase has locked me out of my account without any correspondence for eight entire days following a delayed withdraw incident I perceived as a possible hack scenario. Previously, I 'd attempted to send litecoins to my XXXX but something went wrong on the exchange site ; it said the transaction was complete after multiple seperate attempts, but maintained my same balance as if nothing happened in trade view ; also, there were no funds added to my external XXXX XXXX  so I figured nothing happened. Over some course of time, the Litecoin began to mysteriously leave my XXXX account long after my intital attempts to transfer and I was n't seeing them in my XXXX XXXX ( Not typical in any delayed transaction I 've ever experienced ), so in a panic I contacted Coinbase and inquired with them as to what I should do for tax purposes if coins are stolen because I already knew they would n't / could n't refund me for anything stolen. Moments later, my coins began to trickle into my XXXX very slowly. I was relieved and informed them several times that I no longer have reason to believe my account was compromised and that I changed my password as they requested and to please unlock my account. My account has been locked for over a week and I have not had access to my own money in my own account. I only want it to be unlocked so that I can regain access to what belongs to me. I went to their subreddit accounts below and begged each person below to unlock my account as I was losing a lot of money and could do nothing because my hands were tied : XXXX ; coinbase_josh ; CoinbasePatrick ; coinbaseXXXX Employee ; XXXXCoinbase Employee ; coinbase_cindy ; Coinbase-XXXXVerified Coinbase Employee ; XXXXcoinbase ; I sent each person an email desperate for help and still have had NO RESPONSE from anyone since they locked my account. I can be reached at the email account associated with the case number/request and would like them to notify me after they 've unlocked my account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I put in a dispute over the phone through Transunion and XXXX in reference to XXXX hard inquiries that were not factual on my credit report I was told that they have been investigated and are accurate due to them undergoing investigation. However, the fact that I received a response 4 days after I disputed the inquires, one can assume that there was no investigation into the matter.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with  XXXX   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 07-04-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Credit decision / Underwriting

Complaint: Nation Star has yet to properly respond to our past inquiries. We have tried to reach out to Nation Star over the past year. They refuse to speak to us. We want a legal and valid reason as to why they would lower our credit limit on our fixed conventional loan, with out our knowledge or consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Debt collection (Credit card debt) with SUN LOAN COMPANY INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Sun Loan has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 09/25/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: my loan required a PMI. By law, the PMI is to automatically terminate on the date the principal balance is first scheduled to reach XXXX % ( ltv ) of the original loan of the property. As of XX/XX/XXXX, my ltv is XXXX %. However, according to my mortgage company, the pmi will not be terminated until XX/XX/XXXX because that was the scheduled date the ltv was to reach XXXX % by the original amortization. The reason the ltv is now XXXX % is because we made XXXX extra payments on our mortgage and we feel that we are now being penalized for extra payments. Our loan was orignally with another company but was sold to the current company in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: Back in 2013 my account was closed by your company. I was not given a good reason but I expect that is was due to the chargebacks. In 2013 I had my identity stolen and majority of my card numbers compromised. This was a nightmare for years to follow. I had to file police reports, have a notorized copy of FTC, and have my credit report frozen. Since then my accounts have had no more fraud, my credit still remains frozen because i am scared of unfreezing it. Now Chase treats me like a victim and will not allow me to have an account. They simple state that we do n't have to let anyone open an account if we do n't what to for any reason. This is not right!!! I did not do anything wrong and once more I am the victim. Please have someone help me. They are required to give me a satisfactory answer!! THis is not right and everyone at the exceutive office wont help me!

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Problems when you are unable to pay

Complaint: I applied for a loan with Cash Net USA last month when I desperately needed some cash to keep me and my family from being evicted from our home in XXXX, VA. I was desperate at the time and admittedly I did n't read the " fine print '' in the loan documents. 
Cash Net needed my routing number and account number in order to deposit the money in my account. The loan was for {$1000.00}. 
But as it turns out, aside from using the information only to deposit the funds into my account, they also use the information to draft my account without setting up an autodraft with my lending institution. 
Once I realized the ramifications of my actions, I read the " fine print. '' As it turns out, I am being charged a fee of {$150.00} for administrative charges. They are also charging 300 % APR. 
As is the case with desperate people such as myself, my family 's welfare is more important to me than being shaken down by legal loansharking. 
I have the emails sent to me from Cash Net verifying the above information. 
They will draft over {$200.00} from my account ( currently overdrawn ) for the first of 12 installment payments on XXXX causing additional fees and charges. 
I am doing the best I can to get back on my feet, but am unable to right now as I am currently XXXX at the VA hospital in XXXX, VA. I am working through some combat-related, service-connected issues. While the additional stress is challenging my recovery, I realize that is not your problem. 
Is it legal to draft someone 's checking account without the account holder setting up their autodraft at their lending institution? 
How is charging 300 % legal anyway? 
How is this not considered to be predatory lending? 
As I stated earlier I can forward the information I received from Cash Net, but am unable to do so on this platform. 
Please advise me on what I may be able to do to resolve this situation. 
Thank you in advance for your time and consideration, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Application, originator, mortgage broker

Complaint: hope your help in this case. in 2010 I short sale my house because the bank chase threatened me with foreclosure, stop payments for 9 months. the sale was for $ XXXX but the debt was for $ XXXX bank recognized $ XXXX just stay with debt of $ XXXX and I did foreclosure by that value. They ruined my credit and my life. nothing I served the short sale. even this appears on my credit report. how do I solve it? thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Several letters have been sent to Wells Fargo ( WFDS ) asking them to verify the inquiry that was placed on my credit back on XXXX/XXXX/16. I have provided them letters with my Name, Address, SS #, along with the date.. 
Wells Fargo ( WFDS ) is using the stall tacit and sending letters back to me asking for my Name, Address, SS # along with the dates. I have asked several times for them to provide me documentation supporting this is to be reported under my credit file. Wells Fargo response is they are not able to locate or find this information. 
They Continue to send me letters asking for all this Information but yet they 're continuing to ask me for it even though they have it on the letters that were sent to them.

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 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Only wish to pay for purchases and my bank tried to help by sending what I wed asking them to close account which they have n't done but continue to accumulate late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I first Disputed an item with XXXX XXXX in XXXX, I later sent another letter in the month of XXXX on the XXXX and the company received the dispute on the XXXX. The dispute in this letter stated to the company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This law was broken, which should cause for immediate grounds of this item being removed from my credit report. I also received a letter from the company that was dated for XXXX XXXX, XXXX the exact day that the company received my dispute. In this letter from this company the company stated quote on quote " Thank you for your letter dated XXXX XXXX XXXX. In regards to your XXXX XXXX credit reporting of " In dispute '', the account is marked as such in our system of record as of XXXX XXXX, XXXX when your first letter of dispute was recorded. Due to the ECOA status of Terminated under the petition XXXX bankruptcy of your co-maker, the compliance condition code was in need of a manual addition. Therefore we have submitted an update to the credit bureaus to alert them of your XXXX trade-line being in dispute. As you can see the company stated that I had first disputed the item in XXXX, I later disputed again with the company in XXXX which was well over 30 days, so this federal law had already been broken. Later when I updated my credit reports I could then see that the company had went into the system and added the disclosure well after the 30 days

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 04/19/2016 about Debt collection (I do not know) with ROCKFORD MERCANTILE AGENCY, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has placed an account in collections that is not mine. I have never heard of the company and do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been affected by the Equifax Data Breach and Equifax has denied me access to my file

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit card () with BARCLAYS BANK DELAWARE (OH).
Issue: Billing disputes

Complaint: Barclaycard refused to address my XXXX XXXX hotel dispute. They rebilled me for a XXXX XXXX charge in error. They failed to respond to my letter disputing the rebill based on events that occurred after the rebill. They also billed me an additional XXXX more than my balance for no reason at all.

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 04/13/2017 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My loan agent was not able to get a credit report from Equifax because my account was locked. I called Equifax from XX/XX/XXXX afternoon till XX/XX/XXXX morning to unlock my account. And finally got instructed to email copy of my Social Security Card and Driver License to XXXX because they do n't have my information in their system. Their auto-reply email said they would response within 2 business days but nothing happened after two business days and my load agent and my new house are still waiting for them. 

I checked my previous emails today and found I went through the same issue with Equifax 5 years ago ( XX/XX/XXXX ). They asked me to email the same information 5 years ago and then asked me to fax the documents instead of emailing. I did n't get it why I should do the same thing again since they 've already got all the information at that time.

Company response to consumer: Closed with explanation