milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Debt collection (Medical debt) with United Collection Service, Inc (FL) (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent multiple, certified letters for the company to send me other information than a bill printed off of their computer stating that I owe {$780.00} and that they demand payment now. They refuse to send me : *A validation letter *A written contract with my hand written signature on it, that includes date, amount and all of the detailed information showing that I received or agreed to receive any services. 

*Proof they are licensed to collect in my state *Provide me with their license numbers and registered agents The only thing they continue to send are letters demanding payment or they will report the bill to the credit bureaus. 

I have receipts from USPS showing that they have received my letters requesting the information that I am entitled to under the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (FHA mortgage) with Nationwide Biweekly Administration, Inc. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I am writing to complain that a very important and useful institution that I use may go out of business, and they say it is because the CFPB is interefering. For many years, Nationwide Biweekly Administration took my biweekly payments and transferred them to my mortgage company, which at one time was XXXX Mortgage. When XXXX Mortgage was not properly distributing my funds and I could not get them to respond to me, NBA aided me and the problem was resolved. XXXX has since gone of out business but NBA has been there all along to help. XXXX XXXX is from Ohio, as am I, and I supported him in his elections here, and worked with his own former staff when I was a XXXX at the XXXX XXXX XXXX of Ohio. I was very happy with his success in getting this position in the Obama administration, which I have also supported. However, I am very unhappy with this situation, NBA, located in XXXX, Ohio, has been a great help to people like me who which to have their loans serviced. This is a setback which I do not appreciate. Please consider what you have done in this regard and restore NBA 's ability to work for consumers like me. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (VA mortgage) with James E. Albertelli, P.A., a Florida professional association (FL).
Issue: Settlement process and costs

Complaint: On  XXXX    XXXX ,2017  my husband and I closed on a Foreclosure property with a notary at our primary home with my husband as the borrower. During the closing I stated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should have been titled in both names, I was told that once I signed the mortgage note that I would be added to the new deed and title. That did not happen, the deed was received in the mail on  XXXX / XXXX /   17  and only listed my spouse. I spoke with my lender who indicated that the   XXXX   XXXX   XXXX   XXXX   XXXX   should be in both names, we attempted to contact the closing agent and was advised that any changed would need to be completed in the form of a new deed with a cost to us because the contract, title and deed must match. However, I live in Florida joint property state and do not understand why this was not explained to us prior to closing and receiving the deed and title. I am very upset that I now need to pay a second attorney fees and the same fees  to my county to corr ect a deed that the original closing attorney was paid to process and file. This does not seem correct to me because our first home has both names on the deed, title and mortgage insurance however I am on the only person covering the note.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I made a XXXX transfer for XXXX to Coinbase on XXXX XXXX 2017 Payment was sent from my XXXX XXXX  account and Coinbase received it but its not showing on my Coinbase account. 
Its now 14 days since the transfer with no funds showing, I have made multiple calls to which Im told its passed on to the correct department but I havent heard anything. 
All emails go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Credit card debt) with K A P S & CO (USA) LLC (MS).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have talk to them on the telephone and they calling block numbers on my phone so they can get in touch with me and I told I'm not working and no incomehow I can I send money on aold bill couple yearsback don'tthat make sense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2016 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX turned an overdue bill over to Optimum Outcomes on XXXX/XXXX/XXXX for {$230.00}. On XXXX/XXXX/XXXX XXXX was paid and they requested Optimum Outcomes to return the account, ( XXXX ). The recent credit report still shows that the Optimum Outcomes have it as an outstanding debt, when in fact it is not. Optimum Outcomes shows a zero balance so they need to remove the entry from my credit report. XXXX 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 02/16/2017 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Settlement process and costs

Complaint: I applied for a specialized mortgage product with SunTrust bank, with specified costs for borrowing, including discount points and a 30 year fixed interest rate. Days before closing, I was informed that my loan product was changed, but that the costs were the same, with no additional fees or change in interest rate, and that the original disclosure included all associated costs. I agreed to the change under the explicit terms of the original loan costs. The change in loan product turned out to be secondary to the processing and underwriting departments making an error in interpreting my qualifications for the original loan product. The night before closing, I discovered that an additional 0.5 % discount points had been added to the loan, and that {$500.00} in lender credits had been removed from the closing costs, without any additional disclosure to me, either written or verbal. When I questioned the changes, I was given by the loan officer a choice of either accepting the additional costs, which amounted to {$5000.00}, or they could resubmit my loan, from scratch, as the original product, the processing of which may or may not have been completed by the expiration of my rate lock, which was 3 business days later, and that the current rate was approximately 1 % higher than my locked rate. I feel that the loan officer and the processing/underwriting departments, whether intentionally or unintentionally, defrauded me for over {$5000.00}, and put me in a position of either accepting the additional undisclosed fees, or risk a substantially higher interest cost over the lifetime of the loan.

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 11-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hello CFPB, I am a customer with Citibank. I use their website to access bank account like millions of other people do it. I have raised an issue with them that their log-in process is less secure due to the fact their password mechanism is no longer case-sensitive. It will make accessing online accounts a lot faster and easier for people who have ill-intentions. I have contacted them through their internal messaging system, but have not received a satisfactory resolution to the problem. I.e. they have not fixed their password bug after I repeatedly reported the problem to them. I would like for Citibank to take this seriously and resolve this issue in a timely manner. 

Thank you for reading, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The collection company is Transworld Systems Inc In attempting to collect a tollbooth debt which I already paid when I went though the tollbooth with my XXXX, they accidentally sent me a bill/documentation for someone elses debt. I was shocked. I got a copy of this persons medical bill, their name, and their address, not to mention medial information about them. Its a total breach of this persons confidentiality and that is why I am filing this complaint. Totally unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Credit Collections Services continue to contact me via phone and mail for a debt that I do n't owe. The debt is a fraudulent debt. I sent Credit Collections Services a police report and a letter informing them the debt is fraudulent and do n't belong to me and I am a victim of identity theft.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Since I graduated college in  XXXX  I have paid over {$20000.00} just in interest with principle remaining almost the same amount. In  XXXX   XXXX  I finally reconsolidated my student loans with  XXXX   XXXX . I recently told them about my situation and they said the numbers do not add up.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Debt collection (I do not know) with BAM Financial, LLC (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: A company called XXXX XXXX calls continually looking for a family member. They are calling everyone in the family, disclosing personal information and threatening everyone if we do n't give them the location of this person. They continue to call my home and business number for a debt THAT IS NOT MINE, it is for the sister of my domestic partner. I was threatened with jail, a warrant for my arrest, etc. When I told them I was n't who they were looking for, they slung a stream of abuse at me and did n't believe me. I asked for their contact information and they refused to give it to me. I asked them to stop calling here, and they have continued to call five times a day, repeating their threats, looking for someone who IS NOT HERE and has never BEEN here. I am sick of their harassment and abuse. When I ask them to stop calling, they call MORE OFTEN. This has to be illegal.

Company response to consumer: Untimely response
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (HI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am aware of the current lawsuit against Navient. I would also like to file a complaint against them. When my loan changed from sallie mae to Navient, Navient did not follow my wishes to continue payments so that I could take my co-signers off my loan. I was in school working on my masters and wanted to continue making payments. The Navient abruptly stopped my payments, after I had requested to make a payment, they told me I had to start all over with the consecutive payments to release my co-signer since there was a break in payments due to their error. They had also told me to go into forbearance when I had the option to make income-driven payments since at the time I was only making {$15.00} and hour while paying over {$1000.00} a month for my student loan repayments. That advice has caused me an incredible amount of increase in my interest, knocked down my credit score and made it difficult for me to receive any loans for my XXXX degree. I had continually received poor advice from Navient and not once was I able to speak with a manager or higher up even after I had asked several times. I have a note on my account that my case was sent to upper management, but nothing was done. I am sad to hear that many individuals have been affected the same as I. to this day, my co-signers are still on my loan, after continual requests to have them removed. I have received a myriad of answers and none of them are consistent. I 've been told, No, the co-signers will never be removed. I 've been told after I make a year of consequtive payments. I 've been told I need to make three years of consequtive payments. Each individual working for Navient has starred me the wrong way and I have had nothing, but difficulties when it comes to making payments. At one point I pleaded with Navient to reduce my loans or I would default and they told me, I would have to go into forbearance instead of allowing me to make income driven payments or advice me to continue to make payments. I plead for guidance in this issue at hand. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Rewards

Complaint: I have a Chase XXXX credit card and I attempted to redeem my points for holiday air travel. The Chase XXXX XXXX, ( where one redeems points ), failed to purchase the flights as requested. By the time we ( my husband and myself ) discovered their failure, bookings were more expensive and there were fewer available flights. We called Chase XXXX XXXX at least three times and spent approximately three hours to resolve this issue. Despite the supervisors ' repeated assurance that they would call us back with information they also failed to do that. When I called Chase to register a complaint I was told there was no option other than to speak with their XXXX XXXX ( the same supervisors ) again. I plan to cancel my credit cards after more than 20 years with Chase Visa, but am writing to you in the hope that others do not experience similar treatment by the Chase XXXX XXXX. I would also like to receive the full value of my travel points as promised by Chase supervisors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017, Equifax Inc. revealed that its computer systems were hacked several months ago due to negligence in their IT security. Because of this, a large amount of my personally identifying information was released without my consent, as identified by the website equifaxsecurity2017.com.
This has the potential to impact me by increasing my risk of identity theft, and poses a risk to my credit history should I try to obtain a loan in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Application, originator, mortgage broker

Complaint: My copy of the copy the Home Equity Line Line of Credit Agreement ( Note ) states that the loan # is # XXXX. ( copy attached ). 
After sending me copies of documents with loan number XXXX, Chase now claims that they have no loan with that number. On XXXX XXXX, 2016 I sent Chase a request for information in connection with the subject HELOC loan which originated with the # XXXX. Chase responded on XXXX XXXX, 2016 stating, " We also did not find a loan ending in # XXXX. '' ( copy attached ). 
On XXXX XXXX, 2016 I sent Chase Mortgage Payoff department a Mortgage Payoff Request for Loan # XXXX. Chase responded in a letter dated XXXX XXXX, 2016 stating " With the information provided in the correspondence, we could not identify a Chase account. '' ( copy attached ) On XXXX XXXX, 2016 Chase sent a letter stating " We 've confirmed that we do n't have an account for you ending in XXXX. '' ( copy attached )

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (MD).
Issue: Loan modification,collection,foreclosure

Complaint: In 2014, my business, as I am XXXX, had a downturn in gross income. The decline in income was temporary as my business is strong, but I lost personal income and fell behind in my mortgage for three months. I explained the circumstances, and asked my bank BB & T to help me with a deferment and modification as my interest rate is 5.75 %. As I am XXXX, my income was not high enough, to refinance, get a deferment, get a modification, and they suggested I sell my home. If I had not come up with the money that was owed, and the late payments that accrued, I would have lost my house. I am in the XXXX, and I can tell you, they were quick to turn on me, and begin foreclosure proceedings. BB & T fraudulently appraised my house {$200000.00} less than it is worth. I was surprised at the quickness that their resolution to me was to sell the house in a short sale. My house is worth, {$580000.00} they said it was worth {$380000.00}. As i look through title work daily, XXXX, I wonder how many people, who were unable to understand the process, and do not have the means to fight the banks, have lost their homes. I see foreclosures daily in my work, and hope that I may avoid this same scenario in the future by being proactive and speaking out about the banks unfair practices, especially toward the self employed. BB & T bank, if they would have just refinanced my rate, would have allowed me to save monthly. The bank, if they would have put the money I was late on, at the back end of my loan, modified the loan, I would have benefited. But they were not interested in helping me. BB & T would rather own my property like the many bank owned real estate inventories rising in America by pushing the little guy aside, throwing us all out on the street, and out of our homes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX and XXXX of 2016 have been paid out of my bank but they are not being applied to my mortgage. I have contacted the mortgage company on multiple occasions and by multiple medias and the problem is still not resolved. I am getting late payment notices from them even though they are aware of the issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2017 about Credit reporting () with Experian Information Solutions Inc. (DE).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX, CA XXXX XXXX XX/XX/2017 XXXX XXXX, Oh XXXX XX/XX/2017 I did not authorize these company that I listed above to run my credit on my credit report due to the law under section 604 of the FCRA they broke the law by sharing my information that i did n't authorize.

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 10-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I returned over {$80.00} worth of brand new merchandise at the beginning of XXXX. I have faxed in documentation of the return ... I have called several times with a promise of the account getting credited. To date, XX/XX/XXXX, I still show a balance for this amount on my credit card. A return to be credited to my account taking 2 months is beyond unacceptable. PLease help

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: American Express Rewards card beginning XXXX. Area merchants began to refuse card XXXX.
Rather than fix the problems with merchants, card was cancelled without warning sometime during XXXX  or XXXX without written notification. On line message XX/XX/XXXX stated " This card has been cancelled ''. Requests to verify in writing closure and reasons have been refused. Cashback rewards of {$61.00} was forfeited rather than paid as previously requested.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: Capital One XXXX asked me to provide our physical address earlier this summer, presumably due to law. The Post Office in our area does not deliver mail, so our bill comes to our Post Office Box. 
I called the number on their request letter twice and gave them the physical address twice. In XXXX, I was trying to check into a hotel and was told my account was restricted. I called Capital One again, and was told, for the 3rd time, that I needed to provide my physical address ; I provided it a third time and the restriction was removed. Today, I found out my account had been closed. I called Capital One and guess what ... .they closed the account because " I had not provided them the information they needed '' ... .MY PHYSICAL ADDRESS ... .AGAIN ... FOR THE 4TH TIME!! So now I have to wait anywhere between 7 and 10 days for the account to be reactivated. Time to find another credit provider.

Company response to consumer: Closed with explanation