milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On XX/XX/XXXX I made a purchase for {$290.00}. I returned the same day and got the amount refunded to my card. On XX/XX/XXXX I still had not recived the refund so I called the prepaid card company and they filed a dispute. I have called everyday to check on this because I really needed the money back. XX/XX/XXXX there was a entry on my statement online " merchant credit hold for review '' they are stating that they recieved the refund frim the merchant but are " reviewing '' the transaction. They say they have up to 7 more days to hold the credit. They will not release the hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (UT).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX a Mortgage contract was entered between my self and XXXX XXXX XXXX, using an XXXX conventional loan. All loan contract paperwork dated for XX/XX/XXXX have no disclosure of or state " NO '' PMI/MMI/LPMI insurance. 
XX/XX/XXXX the home was lost to foreclosure to which XXXX XXXX filed a claim to XXXX XXXX for the amount of {$50000.00}. 
After which XXXX XXXX secured a default judgment against me for just over {$56000.00}. After reviewing my mortgage documents, Truth and Lending documents and Good Faith estimates, all documents state No PMI or LPMI is attached to the loan. I have contacted XXXX and they stated that LPMI was added to the loan XXXX days after closing. According to 12 U.S.C 4905 Home owners protection act and the Truth In Lending Disclosure acts, the original contract and the collection from XXXX is illegal, however I can not find a lawyer who has any background on a mortgage company not disclosing LPMI nor adding it after closing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have unauthorized inquiries from:-XXXX XXXX - XXXX-XXXX- XXXX XXXXI have never applied , given or authorized my information or credit to be run by these companies. I don't recognize them at all.Besides the inquiries I also have 2 late payments from XXXX  XXXX which is incorrect. The credit card company has my payments on Autopay and I am not sure why they marked it as late . The balances are paid off at the moment.

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 07-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing refuses to acknowledge Litton is now a " subsidiary '' of Ocwen, arguing it has no responsibility for Litton mis-reporting to credit reporting agencies ( CRAs ) because Litton is not an " affiliate '' of Ocwen ( see XXXX XXXX, XXXX letter ). Ocwen/Litton refuses to identify the alleged 12-month arrearage at the time Ocwen assumed servicing rights in XXXX XXXX. Ocwen and Equifax refuse to provide the electronic exchanges relative to " investigation '' disputes. Ocwen admits to mis-reporting information to CRAs including, but not limited to illegal multiple charge-offs. Despite the admission, Ocwen refuses to grant relief for both the Litton mis-reporting and the Ocwen mis-reporting after XXXX XXXX at which time it assumed servicing rights. Ocwen continues to refuse to provide monthly statements, in direct violation of the Fair Credit Reporting Act. Due to admitted systems deficiency, Ocwen under-reported the amount of tax year XX/XX/XXXX interest by several thousand dollars. Despite widely known systems inadequacies, Ocwen refuses to verify or validate/verify payment information transferred in XXXX XXXX. Its position is that the onus is on borrowers to do so ; an unfair and undo burden. Not to mention the fact it refuses to provide the internal documents ostensibly authorizing debit from my checking account. I challenged its arbitrary use of checking debit deductions on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Medical) with Medical Business Bureau (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There XXXX issues regarding the medical debt collection company " Medical Business Bureau, LLC '' besides the fact the " Bureau misrepresents a government agency. 
1 ) I received a medical bill from XXXX, that is correct. The due date of this debt is XXXX XXXX, 2016. During the same time, I received a collection notice from Medical Business Bureau, dated XXXX XXXX, 2016 that they where attempting to collect a debt, and that the amount was assigned to them by XXXX XXXX before the actual due date of the debt. Please see attached documents regarding the bills looking at the dates. 
2 ) I received a negative credit report for a debt that did not belong to me. I negative report was furnished by " Medical Business Bureau, LLC '' I attempted to contact them regarding the debt, and they acknowledged that it was an error in there part, and that the notified the XXXX major credit reporting agencies. The issue with this is that this was not my debt, I was offered no time to dispute the debt, and the debt was reported in XXXX. Since the negative report to the credit reporting agencies, my credit score has dropped by a significant amount greater than XXXX points, and may possibly affect the APRs on several credit card accounts. Please see the XXXX credit report page XXXX. 

Since this issue has begun, I have used all the XXXX credit reporting agencies free reports, and will not be able to receive confirmation regarding any of the corrections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
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: This pertains to the Equifax security breach where my personal information were compromised. While I understand that Equifax is as much a victim in this as I am, I had placed my trust in them to protect my identity. While I do not fully understand the technical details of the systems they used, and the maintenance they performed on them, I do believe that for a company that handles such delicate information, their systems should have been more secure.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (VA mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Servicing is a horrible company to deal with for loan servicing. Every time I call in I get a different answer to the same question. In addition, their staff must be trained to speak as though they are superior to the consumer. I was transferred to this company via my mortgage company without my knowledge and against my will. I was originally with XXXX XXXX and they were absolutely fantastic to deal with. No hidden fees and payments could be made online without extra charges. Green Tree offers no such options to the consumer. If you want to make a payment electronically, you have to pay a minimum {$12.00} fee. This is passed off as a convenience fee. Convenient to who? Electronic payments are a favor to them not to me. I have no problem sending them a paper check and making them work for that money. It 's terrible that they treat customers, especially new ones, like they are doing me some sort of favor for servicing my loan. XXXX knows, servicing companies come a dime-a-dozen. Hopefully my complaint to my mortgage company will offer me the opportunity to choose another servicing company. If I have to complain every day to someone to get this account moved then so be it. If anyone has a choice for a servicing company, think twice and do your research before you choose Green Tree.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with FIRST ADVANTAGE CORPORATION (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: background report criminal section incomplete .All charges were dropped or dismissed.I sent the judges signed court order to First Advantage .They did knot add it to there report and said they would not change the report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with Choice Recovery, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: this account is fraudulent someone got this from my identity being stolen yet choice recovery has reported it to the credit bureaus and also has it in their records to collect ... i have a police report and a id theft affidavit that has been notarized concerning this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent bureaus information about this account not being mine. They have not deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: A collections agency recently put a collections item on my credit report from a service on a home that I sold over 3 years ago. I cancelled that service with that home when it was sold. While XXXX removed the incorrect collections action from XXXX XXXX out of Utah, Transunion has kept it on my report and thus impacting my Tier for a home mortgage. This has become almost impossible dealing with 3 separate credit reporting agencies. It seems you get an incorrect item removed from one and it shows up on another bureau. I am asking that action be taken with Transunion to remove this item from XXXX XXXX once and for all! 

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 12-07-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XXXX XXXX, I opened a Coinbase account and transferred {$5000.00} from my XXXX XXXX XXXX savings account to my Coinbase USD digital wallet. 

I 'm a XXXX citizen doing a XXXX in the USA, so I provided my passport, XXXX ID ( and a scan of my XXXX XXXX ) a few hours later to verify my ID. At this point, Coinbase disabled my USD wallet ( on which the aforementioned transfer was pending ) and replaced it with an EUR wallet. 

I contacted Coinbase support immediately to make sure that the pending transfer had been canceled along with my digital wallet, and received a few irrelevant automated messages. A day later ( XXXX XXXX ), the money had left my XXXX account, and I called Coinbase which asked me for a proof of residency. I complied immediately ( rent statement, lease agreement ), and I 've been waiting for any concrete development ever since. On XXXX XXXX, an automated messaged informed me that the money had reached my USD wallet ( which is not even listed on their platform ). I asked for the transfer to be reversed pending the resolution of the problem, to no avail.

I am growing anxious, given the volatility of the market Coinbase is operating in. This is a lot of money, especially for a student.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: -Opened account in XX/XX/XXXXand mentioned the {$350.00} new account incentive -Set up direct deposit ( terms of the incentive ) -Never received the incentive -Called Chase in XX/XX/XXXXand the service representative said we would not receive the incentiv

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: The family trust submitted necessary documents for completing a short sale to the lender ( Champion Mortgage ) holding a reverse mortgage on property held in the trust. All documents were submitted in a timely manner, including an appraisal. The appraisal was ordered by the trust, therefore it had to be reviewed by a HUD approved third party reviewer. The review process took over 3.5 months, due to periods of no activity by both Champion Mortgage and XXXX ( appraisal reviewer ). This extraordinary long review process caused the appraisal to exceed the 120 day HUD limit on the appraisal. A letter was submitted to Champion requesting that the appraisal be honored given the unacceptably long review process. The request was denied with the offer to pay for another appraisal. The new appraisal came in $ XXXX higher putting the purchase out of reach for the family member requesting the short sale purchase. Another letter was submitted to Champion again requesting that the original appraisal value be honored given the flawed appraisal review process. A Champion problem escalation representative contacted the trust executor apologizing for the situation and suggesting that we consider appealing the new appraisal. 
About a week into the preparing the appeal, we found out that the home had been sold in auction. We were not notified that the sale was imminent or that the property was sold. We heard about the sale from the individual who purchased the property. In fact, when the Champion escalation rep was informed of the sale, they were totally surprised and had to investigate to verify the accuracy. Reportedly, a request to rescind the auction foreclosure sale ( generated by Champion managers ) was denied by the responsible vice president. The property is still in escrow to our knowledge. The sale took place on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Consumer Loan (Installment loan) with PENTAGON FEDERAL CREDIT UNION (CA).
Issue: Problems when you are unable to pay

Complaint: PenFed offers a hardship package, but does not honor it. I submitted their own paperwork TWO TIMES plus I appealed. I submitted many, many documents of proof, plus IRS advocate case worker.

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 07-09-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was contacted and informed by the debt collection company that a lawyer will be contacted and they will sue me for debt owed. Lvnv funding LLC {$640.00} XXXX XXXX 2017. <P/>They were removed from my credit report and placed back on there.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent to certified letters over the last 60 days stating to TransUnion that they are reporting a BK Dismissal on my credit report that is n't mine, I received a letter from them stating they verified that information. I called the US BK Court where is false filing took place, the BK Clerk told me that they do n't verify and information to any party or company. I need verification on how they came up with this verified information that does not belong to me. This has hurt my credibility not to mention I just got turned down for credit. I will file a law suit against transUnion for damages to my credit and slander. How can a copy report false information and say they verified it was me. Please show me my signature and whom they spoke with at the US BK Courts. I want a name so I can file a law suit against them as well. If I have to I will call the local news agency to get this on the news.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to Green Tree mortgage which became XXXX ditech. I overpaid my mortgage {$150.00} per month and had a years worth of overpayments in unapplied funds. I called the customer service number and asked this to be transferred to principal or refunded to me. Somehow this triggered me to be in collections ( I never missed a payment, always over paid ). 
This unapplied funds was sent to escrow and none of the XXXX people I spoke to could figure out how to fix this. They had no ide idea how I was in collections while overpaying, I have at this point been calling and calling to have this unapplied funds sent back to me, I am now told it was sent to principle but they are not really sure, I want the money sent back to me as I do not see it anywhere on my account anymore. Customer service has not been taking calls all week and the people who answer the phones are nasty and really incompetent. Please help and warn everyone about this nightmare of a company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Incorrect/missing disclosures or info

Complaint: PayPal had limited my account last year ( PayPal ID : XXXXXXXXXXXX ) and I had filed a complaint with CPFB, to which PayPal had responded. In this CPFB case case number : XXXX, XXXX XXXX ( PayPal Operations Counsel ) had mentioned that my funds would become available on XXXX XXXX, 2015 ( 90 days from last payment ). However, as of today XXXX XXXX, I 'm still not able to withdraw my funds in my Paypal account. I contacted PayPal personnel and customer service several times and requested them to resolve this, and even provided them a copy of this letter. However, they refused to help me in violation of XXXX XXXX promise and commitment. They told me that his promise and word does not hold any value, and PayPal 's generic policy is superior to his promise/written commitment. They informed me that XXXX XXXX did not notate my PayPal account ( XXXX ) so that the funds could be released on such date, and I do n't know why. I ask XXXX XXXX to correct this and make my funds available to me as promised. A copy of his previous letter is attached herewith.

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 09-07-2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: My identity has been stolen and someone had my SSN. They opened a savings and checking account in my name online on XX/XX/XXXX. We found out about it and closed the account XX/XX/XXXX and told the them they need to block anyone else from opening any more account in my name. Well, another account ( savings and checking ) was opened with huntington bank XX/XX/XXXX. Now we have to file police report and go through the whole process again.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Credit line increase/decrease

Complaint: Synchrony bank is the issuer of Amazon 's store credit card. If you look at the feedback for the card on Amazon 's site, you will see there are negative feedback ratings regarding Synchrony bank changing credit limits without notice. While this may be happening as well, Synchrony is also doing the following : they are delaying giving proper credit when payments are made. 
They are giving credit in their automated customer service system. If a consumer calls, their system says 'We received your last payment of X on Y date ; however, they are not reflecting the available credit immediately. This affects the consumer 's available credit & has the impact of artificially lowering the credit limit as well as artificially making it appear a consumer is closer to their credit limit than is actually the case. 
For example, if I make a payment of {$100.00} to my XXXX XXXX today, tomorrow I should hear through their automated system that a payment of {$100.00} was made to the card and that correspondingly {$100.00} more credit is now available. Every credit card company I 've ever had does this. 
I made a payment to Synchrony on a Monday. I called the automated system for a week straight. The automated system acknowledged my payment but also told me my credit available was much lower than it should have been. I called their customer service area? was repeatedly told my card limit had not changed. So they credit people for payments but do n't make the credit available on the card. I believe this is the reason behind the negative consumer comments about the card. 
If this is not illegal, it should be for the reasons outlined here. This is a deceptive consumer practice affecting people 's credit on a daily basis. Please use your enforcement powers to investigate and fine the company accordingly. Also be very public about this ; people need to know this company does this.

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