milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/13/2016 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Rewards

Complaint: XX/XX/XXXX I 've received multiple offers for a XXXX XXXX XXXX Card with a sign-up bonus of XXXX miles after I spend {$4000.00} in the first three months of account opening. As I 've tried to apply via the XXXX website the sign-up bonus was showing as XXXX miles, so I 've called the Chase customer support number and the representative re-assured me that I 'll receive the XXXX miles, as long as I apply with his support via phone and request the miles to be credited after I meet the spending limit. I 've applied, and met the spending limit before the initial 3 months, XX/XX/XXXX. It has been over a year since I have the XXXX XXXX XXXX Card and I 've never received the advertised offer for XXXX miles, instead my account was credited only with XXXX miles. I 've kept inquiring via the Chase customer support every other week, and I 've spent at least 20 hours on the phone waiting or talking to some of their representatives and supervisors, without any success. During the initial calls the Chase representatives were re-assuring that I 'll be credited for the full amount, as I 've met the spending limit they 've started asking for a copy of the promotional letter, something that they own and should track in their marketing/advertising database, as I 've received a personalized letter on my home address. Nevertheless, during one of the follow up calls, XX/XX/XXXX, I 've shared the promotional code from the letter, and once again I was re-assured that there is a XXXX miles promotional offer associated with my profile and that it will take them another 1-2 months to credit my account. So I 've waited for another couple of weeks only to realize that Chase did n't honor their promise. Today, XX/XX/XXXX, I was told by one of the Chase customer support supervisors that since it 's been over 10 months and they have n't received a faxed/mailed copy of the offer, something that I 've shared with his team months ago, and it was acknowledged, that I 'm no longer eligible and I will not receive the full XXXX miles. I 've informed them that I 'll be raising this issue with you ( CFPB ) and I truly hope that you 'll help me and other customers by stopping these inappropriate practices before they become major issues. There should be zero tolerance for false advertising of rewards that the issuer has no intention or capability to honor. Also Chase should keep track of all personalized marketing offers, instead of playing a dumb, when it 's customers request their benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX is reporting an old, paid off, mortgage as currently delinquent to my Equifax report. It was paid in full in XXXX of 2013, but is showing 120 days late at this point. I feel XXXX did this as retaliation for my dispute. I filed one complaint under their name, but need this fixed with my Equifax as I 'm currently in the process of applying for a new mortgage. XXXX is also reporting it as still open as well as the original loan amount at {$580000.00} when it was actually {$58000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Home equity loan or line of credit) with FLAGSTAR BANK, FSB (NY).
Issue: Loan modification,collection,foreclosure

Complaint: due to unforseen issues, we took out an equity line on our home in XXXX at a rate of 4 % interest only the loan matured in XXXX and was purchased by flagstar bank we then applied for a loan modification with flagstar because we have suffered a financial hardship the monthly payment on our current 1st mortgage is approximately {$4700.00} including taxes and insurance flagstars offer for the modification was a 240 month note at an absurd rate of 6.5 % which is ridiculously above the current lending rates ... .and the monthly payment would be approximately {$3300.00} We had sent them all documents for our full financial disclosure and there is no way that we can afford more than {$8000.00} monthly towards mortgage commitments based on our net income flagstars only alternative was to press us to pay the full amount of the note which of course we can not afford and has not provided any alternative options we are stuck in our own mortgage crisis

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Because we had an ARM that began to adjust to unaffordable levers and because of the economy and loss of employment ; we were forced to file chapt-XXXX. This Lender denied our application for re-affirmation. While in the middle of completing a modification application with OCWEN ; XXXX months later -we were evicted from our primary home and foreclosed on. OCWEN continued to pursue us even after the foreclosure so we filed a complaint with NC Banking Dpt. OCWEN denied having foreclosed, and even though we provided a copy of the eviction notice and " report of foreclosure sale '' along with photos of the " foreclosed '' signs hanging in windows by Sheriff : NC banking closed the case. OCWEN continued to harass us and we continuously provided them with copies of the foreclosure documents. The most perplexing part is that they foreclosed on us XXXX! The XXXX " report of foreclosure and sale '' is dated XX/XX/XXXX. Now they just foreclosed and " went to steps '' again in XX/XX/XXXX! The attorneys for the bank will not advise how they were able to foreclose twice and will not speak with us because we do not have legal representation and we are not able to locate an attorney willing to represent us.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I have a Coinbase.com account where I have a XXXX bitcoin stored ( worth around {$13000.00} at the time I am writing this ) My account has been locked on XX/XX/XXXX when I tried to log in from XXXX. I was only on a visit that time, and I did n't know this would happen. 

It is mentioned in their article that '' your access will be restored once you log in from any non-prohibited region ''. I have done that but unfortunately, my access never restored. 

I have sent them several emails to Coinbase Support since XX/XX/XXXX to resolve the matter but they replied only once saying that they investigated the issue and working with a specialist to address it properly. And I have heard nothing since then, despite repeated follow-up attempts by me ( email correspondents attached ) Case # XXXX. 

I am a XXXX XXXX XXXX resident for many years now, working in a US based company as XXXX XXXX. I traveled to XXXX for a visit as it 's my origin country, though I am not related to any XXXX group and I am not using this funds in favor of any XXXX activities. Even -if I 'm not mistaken- that the US economic sanction has been lifted from XXXX. 

I attached copies of my XXXX Resident ID card, Driving License and XXXX XXXX as a proof.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with Mid-Michigan Collection Bureau (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I have been contacted by this company Mid- Michigan numerous times trying to collect a debt that is not mine. I have explained to this company over and over again this is not my debt. I filled bankruptcy on XXXX XXXX in XX/XX/2014 and it has been discharged and I never visited this doctor every again because the doctor was no longer practicing there. This is fraud and unacceptable. I have also written to this company asking for deletion on my credit report and for validation but company will not respond. This is keeping me from being able to get a home of my own because of this reporting. I have attached my letter sent to this company with no response back. I am recovering from a XXXX and can not be under any XXXX  and this is causing much XXXX in my life

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX Midland Credit Management sent me a letter claiming they were the new " owner '' of a XXXX, XXXX. credit card account in the amount of {$12000.00} but would not begin collections for 30 days. 
XXXX Midland Funding , LLC sent me a letter stating Midland Credit Management , Inc. would be collecting on an account on behalf of Midland Funding LLC. This letter also stated that because of the age of the debt, they would not sue me for the debt but would report it to credit reporting agencies. 
XXXX I sent MCM a letter requesting complete validation of this supposed debt per the FDCPA. 
XXXX MCM responded with a letter stating they received my dispute and found their information to be correct. They then stated " We are uncertain of what you are specifically disputing '' and that to further investigate they needed the following documentation : " Written explanation and documentation demonstrating any errors in our account information ''. They also claimed that I had indicated I had appointed an attorney/representative and they were requesting contact information, which is incorrect. I do not have an attorney/representative and never claimed to. 
XXXX, I sent another letter, again requesting complete validation of the account under FDCPA XXXX MCM/Midland responded with a duplicate of their previous letter without any supporting documents to their claim. So, TWICE they neglected to send me documentation validating this debt they claim I owe. 
XXXX I sent a letter via certified mail to cease communication with me under the FDCPA and Florida statute XXXX, unless they were notifying me that the matter is closed. They did not respond to this letter. 
On XXXX they illegally reported this un-validated collection account on my credit reports and illegally RE-AGED this supposed debt to XXXX XXXX, 2016, with an increased balance to {$12000.00}. 
XXXX I called XXXX to dispute the collection. " XXXX '' with XXXX refused to request written validation from Midland and refused to remove the collection from my report until it is properly validated with real documents and not just on Midland 's electronic confirmation. When I told him I would have to report this refusal to the FTC, he began to speak abusively and derisively to me, and also refused to give me his real name so that I could properly document the phone call. 
It is seriously damaging my credit in the meantime. I am still in the process of calling to dispute Midland 's collection account with with XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit reporting () with EQUIFAX, INC. ().
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 'm a XXXX XXXX XXXX in XXXX and I was n't able to submit an electronic request for my credit report from my country of service. I had a friend in America navigate the website for me while I was skyping him and we could n't get through the security questions for XXXX and Equifax. None of the questions they asked applied to me and then I was blocked from getting their credit reports. When this happened I was told to submit a written request for my credit report with identification and a current bill. I had my mom, who has power of attorney for me, send in the form with my identification and a note explaining that I am in XXXX and have no current bills and they refused to send her a credit report on the basis that she is a third party and that I could n't provide a current bill, of which I have none. 
If there is incorrect information on these reports from XXXX and Equifax , this is the SECOND time they will have negatively affected me. I have student loans coming my way that depend on a good credit check and if I ca n't get them, I ca n't go to XXXX XXXX. 
I am a volunteer so I literally can not afford to be calling all the time, especially when this should be a simple task. My email is in my contact information and I want you to only contact me that way unless you want to take charges for international calling.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (DE).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I called into  the PNC  call center about an overdraft fee. I was sent to the escalation department. I spoke to  XXXX   XXXX  she was rude and unhelpful. I ask to speak to a supervisor. She rudely said to me " that the overdraft fee would not be refunded irregardless of who I spoke to ''. Then she placed a follow co worker on the phone that she was friendly with. She (  XXXX   ) pr etty much determined the outcome before  XXXX   XXXX   ( su pervisor ) took the call. She came on the call well versed on and about my inability to get the refund. She was speaking aggressively to me and refused me the opportunity of speaking to another supervisor that she was not friends with. I feel the refund was due because of a bank error. I had several deposits come in. The bank processed the deposits after allowing my account to over draw. I feel the bank allowed this to happen to exploit the circumstances and make money off my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I am a senior citizen and banking customer for 25 years, I have had my credit card in question for over 15 years without ever any issues. I also maintain an XXXX point credit score. This means nothing to the bank they cancelled my card without any notice, They did say they sent me a notice but I never received one they could have emailed a notice or alert or posted it in my online banking site for me before closing this account. They told me now they could not reinstate it after my request and want me to reapply for a new one, which I refuse to do. I place the blame on the Bank for never notifying me any way by email or through my online banking notice or regular mail. So after not notifying me they just canceled my card. The customer service is very unsatisfactory bellow par and my bank has thrown me out after many years of me being a loyal customer mortgage holder and credit card holder. I am not going to reapply for a new card like I am a new customer. I want my card reinstated or send me a new one with a new number but I 'm not reapplying for a card I owned for 15 years. I will apply at another bank before I do that. 

On XX/XX/17 they sent me an email reply to my complaint as follows Hello XXXX XXXX XXXX Thank you for contacting Regulatory Complaints department of Bank of America. As your Resolution Specialist, I  welcome the opportunity to address your concerns. 

I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this email is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are M-F from XXXX to XXXX Central. 
I appreciate you taking the time to bring this matter to my attention. I look forward to assisting you. 
Thank you, XXXX XXXX Resolution Specialist Bank of America Regulatory Complaints Department XXXX EXT XXXX XXXX XXXXXXXX This number they left to call was unreachable from my calling area when I tried to call it so after more complaints they telephoned and left a message with a different number t to call that would only go to a voicemail that they never returned any messages. 

I was told this matter is closed now and they will not reinstate my card and I am not going to reapply for a card I held for 15 years with never an issue because they closed it. If they reinstate my card and send me a new one I will be satisfied. Now I want to close all my accounts and use a bank that appreciates there customers after a 25 year relationship, and can admit it was there mistake and correct it.

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 05/13/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (SC).
Issue: Managing the loan or lease

Complaint: I took out an installment loan from Avant Credit. I paid all of my payments and thought after the final payment was made that my account was paid in full. Two years have passed since my last payment was made and I pulled my credit to review what was on there and clean up any necessary accounts. I noticed that Avant was still on my credit as an open account and accruing interest. After my final payment was made ( in which they were automatically drafted from my account ), I never heard from Avant again. I reached out to Avant by phone on XXXX XXXX, XXXX and was told there was nothing they could do that I would need to email the dispute department, which I did that same day. On XXXX XXXX, XXXX, I received an email back stating that I had a very minimal balance on my account after the final payment was made because I moved a scheduled payment so that has been accruing interest ... ..since XXXX XXXX, XXXX. I responded once again on XXXX XXXX explaining that I was disputing the fact that I was accruing interest on a balance that I did not know existed and would have known existed had I not pulled my credit report and reached out to them. Today, XXXX XXXX, XXXX, I received an email from Avant again stating the same thing that there was a balance and has continued to accrue interest. I responded and told them once again I did not know there was a balance and since they did not tell me, that is why the balance remained unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: failure to provide mortgage statements for the past three months.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: My husband and I purchased a XXXX XXXX XXXX on XXXX XXXX,2015. After a closer review of our documents we have determined that we was charged for Vehicle Service Contract. We have a copy of the contract with our loan documents but we did not sign this contract and it was added in with our loan with Well Fargo Dealer Services. The total amount added to our contract was {$3300.00}. We never agreed to this service, and feel like the loan company was deceitful in adding it to our 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 non-monetary relief
Consumer complaint received 02-01-2018 about Vehicle loan or lease (Loan) with Aldridge Pite Haan, LLP (GA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: Truck was a XXXX XXXX XXXX was acquired in XXXX and returned on XXXX Company is violating the statute of limitations They already have a garnishment against 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 04-09-2017 about Mortgage (Home equity loan or line of credit) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Credit decision / Underwriting

Complaint: We had a home equity line of credit with Capital One bank for 10 years. We paid our monthly required interest payment each month never late. Our loan came up for maturity XX/XX/2016 and they sent notice of denial due to income drop. They demanded payment in full and threatened foreclosure. My husband and I had many phone conversations with XXXX and they walked us through the process of exploring all other options. We were told we could not make any payments during this refinance process as our original loan was frozen/inactive. The process took them a little over four months in which time we had no idea they were destroying our credit history by flagging our account delinquent! By the time we received our 2nd threat of foreclosure and decided to look for lending elsewhere our credit score was not acceptable to the other lenders. Capital One did finally refinance the loan but are charging us a very unfair 7.5 % interest rate. I find it hard to believe they deny us only to turn around and approve. Everyone I speak to can not believe this actually happened and that it was legal. This is why we are asking for full review of the process taken and help us restore our almost XXXX credit score prior to this unbelievable chain of events.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I received a credit card from Capital One back in XXXX XXXX, I needed this card due to a divorce due to being put in a Domestic XXXX situation I only had a small pension and needed money to get my divorce started and get away from him as he left me broke ... .then I ended up needing to take {$100.00} in cash from the credit card in early XXXX or late XXXX and after I did this my monthly payment went from about {$25.00} up to {$300.00} a month, I have called Capital One numerous times asking them to lower my credit card payment and they refuse to do it since I borrowed {$100.00} in cash from them, and each time I do call about it they will give me a {$75.00} credit, my XXXX XXXX statement came out and it said that I did not need to make a payment so now that my XXXX statement is out they are now saying I need to make a payment of {$410.00}, I have never once been late with my payments and I have never missed a payment so all of XXXX and now XXXX I have been paying a monthly payment of {$300.00} to {$410.00} a month all because I took out a cash payment of {$100.00} back in XXXX, Capital One is XXXX me ... ... I need help with this credit card company because of the high monthly payment I am making I am so broke that I need to keep using my credit card and I have paid well over {$7000.00} and I still owe {$10000.00} on this card!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Transunion will not allow me to access my credit report online at all or they will not mail it to me after a recent investigation. I need my credit reports asap for my attorney.

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