milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Application, originator, mortgage broker

Complaint: I tried to contact my bank about the new loans that help with payment shock. Nation Star has failed to answer my question. What I do get is loan officer 's that say they are n't sure about that program but they will refinance me. In fact, Payment Shock Refinancing was listed Under Frank Dodd as an option that banks could use for refinances under the new ATR rule. I have emailed and called several times, starting with the XXXX email on XX/XX/XXXX, then continued to email them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This does n't include the phone calls I have made with the promise to look into the question and get back with me. 
The wrote me back and said that payment shock was an industry term and they did n't know what I was talking about. When I cut and pasted exactly what was in the guidelines they said it would take 30 days to get back with an answer for me. I wrote them well after 30days and they said they were sorry and that they were having a loan officer call me. They still did n't answer my question on if they do this type of loan. I had spoke with several loan officers and they did n't know what I was talking about. I have never received an email or a letter in regard to my question but I have gotten calls to just do a straight refinance, which does n't help me. I need the payment shock refinance as my income last year was lower and I do n't qualify. Plus, I read that under this rule the banks have the option of giving me the same rate and terms as an A+ borrower. 
Nation Star Mortgage is my bank and they have given me no help or guidance and my loan is getting ready to reset and I am afraid what the rate will jump to.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This collection agency under reference number XXXX is attempting to collect on a debt that is not valid. Was not happy with the merchandise, it was returned. XXXX tracking proof shows that merchandise has been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Trouble during payment process

Complaint: Over the pass few months I have been requesting a payment history do to missing payments that have not been applied. I have requested a payment history several times, instead of receiving the history I have received a foreclosure notice for XXXX XXXX, 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: citi charged me credit protection fee i neaver asked for

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 04-08-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (AL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am a graduate of the University of XXXX XXXX. During my time at the University ( XX/XX/XXXX-XX/XX/XXXX ), I obtained XXXX ( XXXX ) private student loans from Sallie Mae to cover costs of tuition. Those loans have since gone into repayment with a monthly payment well over {$800.00}. I do not have the financial ability to repay those loans at that rate, nor is my cosigner able or willing to repay the loans. At the time I requested the loans, I was never made to understand the total amount I would need to eventually pay for all loans. I also never received any information about any options to reduce payments on my loans. I have been forced to request my loans be put into forbearance XXXX, and now I have only XXXX forbearance requests remaining. I mailed a letter to Sallie Mae detailing my financial situation, and asking for ways in which we could resolve the problem with lower payments. I submitted the letter on Wednesday, XX/XX/XXXX and have never received a response. I am willing, but however, unable to make payments on my loans. Due to Sallie Mae 's inconsistent and lack of communication with me regarding my account, I am at risk of going into default on my loans. The times I was able to reach someone at the customer service department via telephone, I received conflicting information from each person I spoke with and was left even more confused about the status of my account. Defaulting on my loans will not only be a negative outcome for myself but for the lender as well. I am currently employed in my field and working to progress in my career, but I simply do not make enough money to repay the loans and manage necessary living expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 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: Was not notified of investigation status or results

Complaint: Equifax had a major security breach and my personal information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I got a loan in XXXX 2011 from Stafford loan for my XXXX at XXXX University. I recently found out I was involved in predatory lending on this {$8500.00} loan. The lender actually took the 6.8 % that I was anticipating, but also took another loan out for {$0.00} at 6.8 %, so I was paying 13.8 % on that loan. I consolidated it last week so it would n't happen anymore, but wanted to find out what I could do to get the extra money I paid in interest back from 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: On XXXX XXXX, XXXX, we turned in our leased XXXX XXXX XXXX, which we originally leased on XXXX XXXX, XXXX. Not long after turning in the vehicle, sometime around XXXX XXXX, my husband and I had late notices appear on our credit reports showing that we had been late on payments in XXXX XXXX and XXXX XXXX. Knowing this was n't the case, especially since late payments show up right away on a credit report, I immediately filed disputes with the credit agencies reporting the error, as did my husband. In addition, I called XXXX to investigate the matter. According to the representative I spoke to, there were no late payments on my account. So XXXX also contacted the credit bureaus to notify them that no late payments had been made. Then, in XXXX, the errors popped back up again. I called XXXX and explained the situation and they said that I should contact the credit bureaus and give them an Audit Control number, which is written on the letter I will be attaching, and have the credit bureaus contact XXXX directly. I was n't able to do my Transunion dispute online so I do have a copy of that letter that I mailed on XXXX XXXX, XXXX. Once again, the error was corrected on all reports. Then, just a week or so ago, the error popped back up on my Transunion report. Rather than doing the exact same things I have been doing, I am trying this route to see if the results are different. So far, XXXX and XXXX are n't showing the error but in the past they have not all occurred at the exact same time.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi - I got a hard inquiry on my TransUnion credit report dated : XXXX XXXX, XXXX. This inquiry is in error. The inquiry looks like it is from XXXX XXXX. After researching a bit, I found out that this is a commonly occurring entry on people 's credit scores without them requesting it. My XXXX XXXX took a hit by XXXX points because of this. I tried calling TransUnion but I only got to a customer service representative once and did not receive any help. I would really appreciate any help I can get in this matter. 

Thank you! 

XXXX XXXX XXXX XXXX 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 05-02-2017 about Debt collection (Other debt) with LJ Ross Associates (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received several calls from  XXXX  at the end of  XXXX . I answered several times and there was silence or a hang-up. In late  XXXX  they called again. I answered and the party identified themselves as being from  LJ Ross  a debt collection firm. They asked me to identify myself which I did and they proceeded to tell me that there was a bill owing  XXXX  (  XXXX   )  from a house I had sold in PA for approxiametely  XXXX . I told them I was never notified about any owing amount and said I would call  XXXX  to verify. At no time did I receive any form of written communication either from  XXXX  or  LJ Ross . To my knowledge all bills were paid at closing of house sale. I called  XXXX  and indeed verified the debt and that  LJ Ross was their collection agency. I then called LJ Ross  and immediately paid the bill but they had reported it to credit bureau. I never received anything in writing to notify me of their legitimacy or the debts legitimacy or dispute it. They had my current address on file and  XXXX  had my email address on file. Totally inappropriate action on their part and quite disturbing. Not to mention inappropriate reporting to credit bureau.

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 02/26/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage added a Forced Place Insurance onto my account. I made my normal payment as usual while this was being researched. The payment was put into a " Suspense Account '' and I was forced to make an additional payment. After arguing with them for over 6 hours spanning 3 days and speaking to the Customer Service Dept., Escrow Dept., Insurance Dept., it still has n't been corrected. Now they are stating that I owe XXXX times the amount of my " new '' payment amount and nothing has been done accept that they returned my 2nd forced payment. Luckily I working iin Escrow as an Assistant and Officer and know what I 'm doing. I feel horrible for those who do n't know what they are doing and have to go through this. *Side Note. Nationstar Mortgage is settling a lawsuit for their Forced Place Insurance practices. It looks like they are up to it again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Money transfer, virtual currency, or money service (International money transfer) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Wrong amount charged or received

Complaint: A wire transfer of XXXX from a XXXX Bank to 5/3rd bank in XXXX Kentucky was initiated on on XXXX. A typographical error caused the transfer to be rejected. The teller at 5/3rd bank, XXXX XXXX XXXX, was placed in direct contact with the XXXX Bank. XXXX XXXX instructed the XXXX institution on the exact name of the bank and routing numbers to use in the second attempt at the XXXX wire transfer which was placed on XXXX. The information provided by XXXX XXXX resulted in the monies being routed over an intermediary bank, XXXX XXXX. The wire transfer failed and a subsequent Federal Reserve investigation ( attached ) revealed 5/3rd rejected the transfer due to 5/3rd as " XXXX - No Account / Unable to locate Account ''. On XXXX XXXX was returned to the XXXX account after the failed transfer. A third attempt at the transfer with the exact same information resulted in a successful transfer. 

5/3rd was contacted via telephone to understand why a difference of XXXX was returned. The customer service agents hung-up on three consecutive phone calls. On the fourth phone call, a customer service representative named XXXX XXXX asked if I was familiar with wire transfer fees. When I responded affirmatively she tried to explain that the difference was a fee. When I pointed out that a {$750.00} fee for an unsuccessful transfer was a bit outrageous, she terminated the phone call. 

Multiple contacts with XXXX and her manager XXXX XXXX, XXXX at 5/3rd in XXXX, Kentucky resulted in not further information or resolution. An inquiry was started with XXXX XXXX with XXXX XXXX XXXX. After 1 month of seeking resolution, 5/3rd and XXXX XXXX became unresponsive and did not return phone calls or seek further resolution. The XXXX institution also attempted to contact XXXX XXXX XXXX, but he was unresponsive to their attempts at contact, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I was two months ahead on my mortgage, then within 10 days, countrywide foreclosed on me stating that I was 2 months behind, all within 10 days, I proved to them on several occasions that I was correct and that they are wrong! Several of their people agreed with me in my assessments, but, were no longer in contact with me! They lied cheated, defamed me and foreclosed on me, then coerced me into a very false modification, what I originally read and thought I had sighed, turned out to be significantly different! they put a balloon payment with an adjustable rate and then put 40 years to pay, Incredible!!! 
This has cause me extremely great distress and hardships, while destroying my credit and any hopes of paying off the mortgage! Please any and all help would be greaty appreciated! 
Thanks sincerely, XXXX XXXX XXXX XXXXXXXXXXXX

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 10-06-2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed my XXXX tax liens that were filed XX/XX/XXXX for balances of {$30000.00}, {$2800.00}, and {$24000.00} filed with all XXXX bureaus. These liens are over 7 years old, and my legal rights are being violated with the Fair Credit Reporting Act Section XXXX 15 U.S.C. 1681c ) ( 2 ). This Act states, that liens which began reporting over 7 years ago should be removed from a consumers reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: This is XXXX complaint : today I found out the Bank of America received a property tax refund on XXXX XXXX XXXX in the amount of {$1000.00} for XXXX tax pre fund. We also have at least XXXX other refund for the year XXXX - XXXX due to my husband XXXX Veteran XXXX and other qualification. The B of America representative told me that this process can take up to 3 months to refund the money. I have been working on this since XXXX XXXX. My husband has a XXXX in XXXX XXXX & we are in a financial hardship ; Bank of America know this. They have charge us XXXX of dollars in excess overdraft fees and if we would of received the money on a timely basis this would not of occurred. They are earning millions of dollars in earnings credits. Hoe can a refund take 3 months? In addition theses refunds will lower my mortgage payment & apparently they do not want to do that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (KS).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I fell on financial harship they closed my account, then it was opened up again. Now they said I told them to close it and I got the behind payments caught up and tried XXXX time to get it open. Now, I am going through you guys to get my card opened back up again. Usaa has not been veteran friendly, if you fall on financial hardship. I told them what was going on numerous times and it still didnt help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Other service problem

Complaint: Yesterday ( XXXX XXXX ), I was using coinbase via my account to trade bitcoin. I had added my debit card to the account to initiate another deposit and then tried to initiate a {$700.00} deposit into the account. This transaction was denied twice, I think that I missed that there was an account limit of {$750.00} per month and I had already deposited {$700.00} previously ( XXXX XXXX, XXXX ). Because of this, the system flagged my account and disabled trading on it. Due to this, I was locked out of my XXXX account altogether ( XXXX and Coinbase are the same company, XXXX is a more in-depth trading site for advanced trading, I can login to XXXX through Coinbase ). This is the main problem because my initial {$700.00} deposit from XXXX is in my XXXX account, plus I had an additional {$700.00} bank deposit directly into XXXX a few days prior that was pending into that account. Altogether, with the recent rise in value of bitcoin, I have approximately {$1600.00} worth of USD/Bitcoin in XXXX which I 'm currently locked out of. 

Coinbase support is notoriously non-existent. I 've tried contacting their support members on XXXX, opening a case with their support, and phoning their support line, all to no avail. Essentially, I just need access back to my XXXX, and for that to happen, buying to be re-enabled on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: They replied to my first complaint and removed the item, it is put backed on my credit file. 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 02-01-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I was sending Ethereum via my wallet on Coinbase, XXXX XX/XX/2018. After a few failed attempts on verifying my ID to accelerate my transaction as it was time sensitive, my account was locked without prior notice. A ticket has been sent but to no avail. I have tried reaching out on social media platforms including their emails to also no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On the time stamped below : Created : XX/XX/XXXX XXXX PST Regarding Case ID : XXXX I requested to gain access to my USD funds which was locked in an exchange whereupon I had no control over funds which were not being used and stored on the exchange. After more than 10 days, I received a response from support on the following time stamp : XX/XX/XXXX XXXX I was promised by support agent " XXXX '' that my funds would be transferred out for me to another exchange whereupon I could have control. This transfer was limited ot {$10000.00} per daily limit, and since I had more than the daily limit of funds in the account, the remainder was to be transferred on subsequent day ( s ). 

After more than 13 days, this has not occurred, and I still have a large balance remaining on my account that had no follow-up. 

On date time stamped below : XX/XX/XXXX XXXX I tried to remind support that there is still a remaining balance that must be transferred out and that the delay was unreasonable. 

Quote : " I am still waiting for the remaining balance to be transferred. There is a remaining balance on XXXX of XXXX USD that needs to be transferred back into my Coinbase account so I may withdraw. Please also transfer my BTC balance of XXXX back into my Coinbase as well so I may sell. It has been 13 days since your last transfer and I have been expecting more to occur but my case seems to have been ignored again. '' Conclusions : Coinbase support does not respond to serious issues involving money with due diligence. Given the financial size of the organization and it 's function as an exchange, there is no good reason to devote so little to support. 

Coinbase support did not fulfill promises made in my ticket. 

Coinbase support did not follow-up on my ticket After Coinbase determined which funds needed to be frozen, it did not promptly release all uninvolved funds back to the owner 's control. Since the start of the ticket, I did not have access or control over funds unrelated to any incidents for exactly 31 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with ACS Education Services (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I just completed a 5 year bankruptcy plan. I successfully repaid my plan as of  XXXX    XXXX  . I am divorced and a single mom with full legal and physical custody of  XXXX  children. I want to pay my loans back however the monthly allocation of  XXXX  is high. I would like to negotiate taking off the interest that accrued during my bankruptcy to make the payments easier. I am currently throug h ACS and  their communication is only to manage through deferment or forebearance which I am not interested in. I have asked for the lender and discovered it is   XXXX   XXXX   XXXX   XXXX   XXXX   . Yet I call and email them and they do n't have me as a customer. Can you help me as I do n't know how t o reach out and try to resolve this with the lenders?

Company response to consumer: Closed with explanation