milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (ME).
Issue: Struggling to pay mortgage

Complaint: For two or so years I have been trying to get a modification on my mortgage. I became ill and got behind for two years they ask for paperwork and applications. I always get a letter saying my package is complete and a few days later they request a copy of something I already sent or they cant find it or read it. I started emailing a copy, and sending the original by mail. Still they loose something. They also request updated financial records cause it takes so long that the dates expire. I got so frustrated I got an attorney to send a copy also. Still they pulled the same stuff on them. Mind you the clock is ticking and Im closer to foreclosure. I went to my second to last court date where I was informed by their attorney that I wasnt approved because they didnt have my taxes. One thing they never asked for. I was also Informed I missed out on qualifying for an Obama loan and a loan for XXXX people. Plus I coulda got a streamline loan back when I was 3mos behind but I was never Rd offered one and didnt know it existed! but now its too late. I was given an extra month to get financing done if I agreed to sign a paper letting them foreclose. I didnt get a modification even though this time they had my taxes, in fact I was sending the papers by email and was blocked and found out I had to send the papers in a PDF. I told them by phone I would have my attorney do it. Which they did 3days later. I got an e mail the same day I was blocked thanking me for the paperwork and saying my package was complete an it could take a while before they made a decision. I sent a reply saying how amused I was cause they blocked my paperwork and my attorney was going to send it to them in the next day or so, I also added that my package couldnt be complete cause it was never recieved! Shortly after I was denied. I called and asked why cause the email they send with the reason was encrypted and I couldnt open it. I was told that it costs the company a lot of money each time they do a modification and they had no intension of approving it. Now I am trying to get a new mortgage but because my house is my place of business no one will give me a mortgage and I shouldnt have gotten one, I should have got a business loan. My current loan with OCWEN only shows the house the Barn an indoor arena dont exist per the way the Mortgage was written. I have till XXXX-17 to get a new loan of some sort either business or personal loan to catch the payments up. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: I disputed a {$100.00} Chase credit card charge for gas at a XXXX in California incurred on XXXX/16. I live in XXXX and was working in XXXX that day, as shown in my credit card statement. I disputed the charge, and Chase resolved it by telling me that because the credit card reader at the fuel pump read the magnetic stripe on my card, I authorized it. ( The charge was not signed ). I insisted to Chase that I was not in California, and it is well known that credit card magnetic strips are skimmed by fraudsters. They will not reconsider.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a letter from IL XXXX XXXX XXXX XXXX saying they were going to get a judgement against me for Jefferson Capital services, LLC for an original debt to XXXX XXXX. I do n't believe I ever owed a bank by that name and if I did it was many years ago. I believe I have paid off my old debts and this does not appear on my credit report so I suspect it is a fraud.

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 05-03-2017 about Mortgage (Conventional home mortgage) with CITIBANK, N.A. (NY).
Issue: Closing on a mortgage

Complaint: My husband passed away    XXXX   XXXX  .  After I received letters of testamentary, I presented this document along with death certificate to payoff outstanding loan on the  coop ap artment that was in his name. I paid off the mortgage at the bank branch  Citibank  in  XXXX , New York on   XXXX   XXXX   XXXX   in the amount of {$73000.00}. I was told I would receive coop documents and stock certificate in the mail. I continued to receive mortgage statements from citibank, and when I called Citibank mortgage department at phone number  XXXX  in  XXXX  or  XXXX   ( un sure of date ) I was told that loan was not processed as paid and that they would take care of the situation. I received another mortgage statement in  XXXX , and I called  Citibank mortg age again on   XXXX   XXXX   XXXX     I asked to speak to a supervisor, and she told me that closing date would be    XXXX   XXXX   XXXX    and I would receive stock certifica te 2-3 da ys later via  XXXX . When I called to follow up on  XXXX   XXXX ,  XXXX  I cited the case number and was told no notes were made and no actions had been taken. I again asked to speak with a supervisor who told me that the closing date would now be  XXXX   XXXX ,  XXXX  and it would take 30 days  for county regist er to send the documents. The entire process has been confusing and unclear to me, and Citibank continues to give me a different answer each time I speak with someone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MO).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2018, I initiated a wire transfer of {$4500.00} from XXXX XXXX XXXX to Coinbase Inc. ( XXXX XXXX XXXX ). BoA says this transfer was successful on XX/XX/XXXX. Coinbase Inc. has not credited the money to my account. After an initial, automated response to my inquiry I have received no response concerning my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Juniper XXXX 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 01/21/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We were involved in an issue where XXXX promised to help us and extend the payments out on our vehicle when my husband lost his job. One day they came and repossessed our vehicle. They sued us for the money and we gave them a settlement but it still shows on our credit and we want it to show paid on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion provided an incorrect credit information to XXXX XXXX in connection with my credit card application thats why my application was denied XXXX times. The incorrect information provided by Trans Union read : " XXXX XXXX or XXXX account ( s ) not paid as agreed. '' The truth of the matter is I do not have an account with XXXX XXXX and XXXX. 
I called Trans Union XXXX and they could not explain why an " unpaid XXXX XXXX or XXXX account ( s ) '' appear in their report. All they could say is that they will mail me a copy of my report. My last call was pick up by Trans Union call center in XXXXand they do not seem to understand the issue. Meanwhile, my credit application is damaged because Trans Union do not take action to correct their inaccurate reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Consumer Loan (Installment loan) with First Data Corporation (CT).
Issue: Managing the loan or lease

Complaint: First Data company in cooperation with XXXX XXXX XXXX Merchant service scam my medical practice to lease a credit card reader for 4-5 year lease that can not be cancelled. The credit card reader worth XXXX-XXXX $ but it eventually costed me XXXX-XXXX $ to pay the lease. 

At the end of 4 years lease they did not inform me the lease has ended and they keep charging my bank account for outrageous amounts and when I finally found out and wanted to cancel it they created lots of hassles, 5-6 telephone calls, each time holding me for 30-45 minutes to pay off that junk machine after 4-5 years to get out of the lease. 

If you search on Internet there are lots of people like me that were scammed by this company and it must be stopped. 


XXXX XXXX XXXX XXXX, Connecticut

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: I have a credit card that is reporting to Equifax, but Equifax is not recording it in my file? when I called to XXXX XXXX and ask why they were not reporting I was told that they would look into it, after two weeks I received a letter from XXXX XXXX telling me that they 're investigation saw that they were reporting to XXXX, XXXX, and XXXX, as well as Equifax and that I needed to contact Equifax about why it 's not showing up in their report, when I called Equifax about why it was not showing up on their report ( My other XXXX XXXX card shows up on their report ) I was told to fax over the letter as well as a copy of my statment then given a fax number and that they would take care of it. When I called to check the status 5 days later I was told that the information did n't show up and to give it another week? I then ask to speak with a supporvisor who told me that it was their poloicy to not receive any information & for me to call XXXX XXXX to resolve the issue??? I asked if that was the case than why did they ask me to fax over the information? & why did the last rep tell me to wait another week to allow the information to get there? PLEASE HELP IN ANY WAY THAT YOU CAN XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Debt collection (Credit card) with Colony Brands, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have an account on my credit who I do n't know which company this debt collection his. I want this to be removed from my credit.

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 10-01-2015 about Consumer Loan (Vehicle loan) with STATE FARM BANK, FSB (TN).
Issue: Problems when you are unable to pay

Complaint: Had State farm as my rental/home insurance, business, and lender on my automobile. Had a small claim on rental took over 2 years to resolve, crazy adjuster. Had hired a lawyer. Had told me check was on the way. Had held off on car payment, car repossessed. Had State Farm for 30 years. Company are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
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: I have reached out to the bureaus several times to fix these inaccurate collections on my account that are not mine, and via sect 609 of the FCRA, the bureaus have not proven belong to me. Many of these  collection agencies are also not licensed and bonded to collect in their state, yet they keep reaching out to me for payment and also are affecting my ability to get a home.

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 01/15/2018 about Debt collection (Other debt) with Credit Protection Association, L.P. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: My complaint is with Credit Protection who is trying to collect on a XXXX XXXX account from XX/XX/2011. This account was already removed off my credit report and now has been put back on my report which is illegal. I will report Credit Protection to FDCPA for committing illegal collection activity by adding this back to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company failed to provide me written notice of intend of collection and give me a change to pay. They call my cell phone numerous times every hour through out the day the calls never stop. Its disrupting me while Im at work, and driving having dinner and sleeping. I feel like I pay my cell phone bill just for these people thats how much they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Consumer Loan (Installment loan) with American First Finance, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: I obtained a loan to purchase household item. The company is named American First Finance. For the first payment I was supposed to pay it on XXXX/XXXX/2016 but I did not have the funds so I got into a chat session with someone in the company and they were supposed to change my due date. On XXXX/XXXX/2016 at XXXX I received a text message from my bank stating I was {$300.00} in the red. I contacted the company and they said that they would arrange the due date to show the XXXX of every month. They told me that they would not provide me a refund for the {$150.00} that my bank charged me for all the insufficient funds charges but they would adjust my account accordingly. In XXXX they again took the whole payment without reflecting the credit they were supposed to apply to my account. My bank provided me that credit and only paid the company balance between {$210.00} and {$150.00}. To this date they are still charging me the whole payment for the month of XXXX. I let them know that I will not pay another nickle until they fix my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There is incorrect personal information in my file that may be leading to fraudulent accounts being opened in my name or my identity merging with someone elses.

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 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are XXXX. Experian reports incorrectly that this account balance is {$50000.00}. Experian reports incorrectly that this account is past due {$50000.00}. Experian reports incorrectly this account Credit Limit is {$43000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 10/28/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I 've requested the cancellation of the property scheduled for XXXX XXXX, 2016 .I 've also notified them that a Lis Pendens that was filed in XXXX XXXX XXXX XXXX Court in Florida regarding the actual assignment that originated, created and executed in Florida XXXX Wells Fargo have denied my request even though the basic requirement of a non-judical foreclosure is the assignment. 
Also they refuse to respond through the CFPB portal and states over the phone that their response is in the mail. Their responses in the past have been, your questions are too broad or we 've responded to your request. Thank you for your attention in this 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 03/13/2017 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (FL).
Issue: Application, originator, mortgage broker

Complaint: At the end of XX/XX/XXXX I applied for a Reverse Mortgage with AAG. I was continually given the wrong information about what they needed in the way of forms. I have a POA. My husband has XXXX. The Mortgage Broker told me to get letters from the doctors stating my husband had XXXX and could not make financial decisions, which I did. Now we are into 4 months and they tell me they need a specific form signed and filled out by the doctor. They had me give them my original POA and now I have nothing. They are asking for the forms to be signed by the doctor and 2 times they have emailed me the wrong forms in the POA. They asked for my XX/XX/XXXX and XX/XX/XXXX tax forms, which I gave them now they tell me they need transcripts from the IRS. It is now going on 4 months since I first talked with a Mortgage Broker.If I had to do this all over again, I would not do it. I ' m just so far in now that I have to complete this or start all over again. This company is supposed to be the best. I doubt that very seriously. You ca n't talk to a supervisor, or anyone who can help you. Boooo XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I am a legal foreign resident in Texas that opened an checking account with  BBVA Compass i  n 2014,   yesterday without a reason or explanation the bank block my account and requested the bank to close completely my account without providing any reason. I have paid all my products in due time and handled the account in a proper manner. I see this bank is either acting with discrimination to the customers and providing a really bad service and does not provide any reasons and close the products.   My account cancelled wit h BBVA Compass  was  XXXX  in  XXXX   XXXX  Texas, hope you can help because they might be doing this to other customers, a disgrace for the financial system in this country, they did not wanted to provide a written explanation

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Transaction issue

Complaint: During my year long job search I was contacted by what seemed to be a legitimate company to fulfill a Shipping Supervisor role. I was to fulfill purchase and shipments to set up new offices here in the states. I was a bit skeptical but did some research and could n't find anything online that would give me a red flag. They were to pay off my cc so I could begin making purchases on my card for which they would reimburse me. They gave me a XXXX XXXX Account # to use to pay off my card. Decided to call XXXX XXXX to make sure it was a legitimate account. They were no help and guided me to get in touch with the Fraud Dept at Capital One. On XXXX XXXX I had a 20 minute conversation with the Fraud Department at Capital One ( my cc account ) to discuss the venture and make sure I was n't doing anything wrong or fraudulent. They assured me the account was a Corporate Account from XXXX XXXX and that everything appeared legitimate. Ok, I thought, The Fraud Dept gave me the go ahead and I proceeded to pay off my account with the XXXX XXXX Account information. A couple days later it went through and I had a XXXX $ balance. Great, just as expected. I made XXXX purchases over the next couple weeks and paid off my account each time waiting until Capital One showed a XXXX $ balance before I proceeded. Until XXXX day the funds were taken back out of my account. I thought ..How could that be? No one has access to MY account to take money out? I called up the bank again XXXX XXXX XXXX ) and they explained the funds were taken back out from the XXXX XXXX Account. They told me I did not have access to that account. I assured them I did. I have it in writing in an email as I explained the first time I spoke with the Fraud Department. How is that possible? They then told me that they do n't actually have the funds in my account like they show me and let me believe the funds are in my account. In essence, all XXXX purchases I made, in addition to the original paying off of my account from this XXXX XXXX Account were taken back out. On XXXX XXXX I had another 27 minute conversation with the Capital One Fraud Department letting them know that they screwed me over on this after I spoke to them 8 weeks earlier to make sure I would not be defrauded. They never told me that I could not stop money coming back out of the account if my NAME was n't on the account. They never told me that just because they showed money in my account and it has cleared that they do n't actually have the money. XXXX very deceptive ). I did my due dilligence in calling the Fraud Department in the first place. They are the professionals. They should 've alerted me to watch out for X because your name is not on the account and money can be taken back or let me know that just because they show that the account has cleared, it actually has not.

Company response to consumer: Closed with explanation