milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2018 about Debt collection (I do not know) with Financial Recovery Services, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am tired of being threatened by these dishonest, and deceitful collection company. They keep calling me and sending information stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX. XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified on my V. A. Loan that I rightly deserve please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Good afternoon, My name is XXXX im having various issues with my mortgage company " Freedom Mortgage '' this is the second issue with them I paid them {$1600.00} on XX/XX/2017 now their stating that they never received the payments I show them my bank statements and had my bank send over the proof the took the funds out my account..Now they keep calling me asking for the same paperwork they have in systems.. I 'm starting to think someone for the company has been stealing my payments so I call lose my house ... I 'm a fairly new homeowner it 's been a rough year dealing with Freedom mortgage ... They are creating a hardship for me and my family it 's been a long year now going back and forth with them about money ... Please please help 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 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I have virtual currency on the exchange that Coinbase uses ( XXXX ) and have been locked out of my account for over a month. I have sent all the required identification to the company and they have informed me that this issue would be resolved within 5 business days ( this was three weeks ago ). Since then the company has not been responding to my complaints in a satisfactory manner. At this point I am not getting a response at all.

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. ().
Issue: Unexpected or other fees

Complaint: On XX/XX/XXXX I was locked out of my Coinbase Account which funds still held within. Over a week later I 've still not managed to access my Account to purchase or withdraw anymore funds which I urgently need to do. I have tried to resolve directly with the company but still no luck. 

When logging in through the browser I get 'Sorry account temporarily disabled. Please contact support '. When trying through the app I get 'Error - Your account has been locked. Please visit Coinbase to resolve '. 

I think I was locked out because I entered my password incorrect too many times. I then tried to re-set the password but no luck as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (OK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: For several months I stopped receiving statements from my Wells Fargo credit card. Then in XXXX, I received a statement that was forwarded from another address in Texas. On the statement were two charges on XXXX XXXX in the amount of XXXX and XXXX from a XXXX XXXX in XXXX XXXX. I have not been to XXXX XXXX in several years. I called Wells Fargo on XXXX XXXX who put me through a rigors process of proving my identity and canceling the account. They reissued a new card, but I refused to activate unless these charges were reversed. After receiving other statements still showing a overdrawn balance with fees, and being notified that my credit score dropped to the lower 600s, I contacted Wells Fargo again on XXXX. I was told that the fraud complaint was closed and no fraudulent charges were ever identified. The representative said he would try to reopen the investigation but could not promise anything. After all of the news about the corruption within Well Fargo, I  want to see if filing a complaint with CFPB would be of any help.

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 08/23/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The Department of Education forgave all of my previous ( prior to XX/XX/XXXX ) student loans due to XXXX. The monitoring period was from XXXX XXXX through XX/XX/XXXX, with XXXX of those loans having a monitoring period that extended to XX/XX/XXXX and XX/XX/XXXX, respectively. Therefore, the " Date of Status '' being reported to the credit bureaus ( XXXX, XXXX and XXXX ) should not show any activity beyond XXXX XXXX. Nor should a " recent balance '' stated, or implied, appear as though the accounts continue to have a balance owing. Furthermore, the " Recent balance '' should be shown to be " XXXX. '' This is not the case. 

Nelnet Inc, the student loan administrative arm for the Department of Education is reporting inaccurate and misleading information to the credit bureaus ; thus, distorting my credit score and worthiness. This has resulted in lost of credit and job opportunities, and has affected my finances negatively. 

The accounts that show under student loans, include : Department of Education, Nelnet Inc, and XXXX. All of the student loans were transferred to the Department of Education ; and, ultimately forgiven. Nelnet Inc, the administrative arm of the Department of Education, oversees student loans and any forgiveness of such loans. Reporting of such loans is also handled by Nelnet for the Department of Education.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Mortgage (FHA mortgage) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was paid through the sale of my home. The balance paid resulted in an over payment. BBVA Compass indicated that they were to issue a refund to me, for {$1200.00} processed on the XXXX. I contacted them on the XXXX of XXXX to inquire where my refund was. I was told that the check was mailed on the XXXX of XXXX, and that I needed to fill out an affidavit of indemnity for them to reissue payment, and that they would directly deposit the funds afterward. I did so, and then followed up with them, at which point I was told that they had mailed the check a second time rather then placing it in my account. They indicated they would stop the second check and then deposit funds, and that I should hear back on the XXXX confirming the same. I did not hear from them, but did receive the first check on the XXXX, which they failed to mail until the XXXX despite their representation. It is absolutely unacceptable that they could not simply tell me that they had only mailed the check two days prior from Alabama. I would of course been upset that it took them that long, but this whole ordeal and comedy of errors could have been avoided. I called back again on the XXXX, and was told by a supervisor that my funds would be in my account Friday after business hours, the XXXX. On top of that, they mailed my 2nd check to the wrong address. I did not receive my funds as promised. I called them again today, and they of course ca n't get a supervisor on the line. I was told they would have a supervisor call me, and I have not received a call. I have tried dealing with them and I am fed up. If I owed this bank a delinquent payment I would be assessed fines and collection calls. This is ridiculous that they ca n't competently process a refund, and continue to make false promises.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Jonathan C. Frank & Associates, LLC (UT).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Jonathan C. Frank & Associates identifies themselves as a law firm when they are just a debt collection company attempting to collect a past debt that was written off by the bank not only that they have called other members of my family stating they are a law firm with a case against me FRAUD this is a debt collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I received a letter dated XXXX XXXX, 2017 yesterday ( XXXX XXXX ) stating that BOA was shutting down my business banking account in 30 days ( with restrictions to the account starting in 21 days ). The letter states that there is no recourse, and that no reason for this closure will be given. The folks at the local branch I 've dealt with were unable to shed any light on the reasons for this. I 've never, ever had any financial problems with my account, which is tied to my 22 year old business with a stellar financial history. The letter states that I can call in to an automated phone line and leave a message, but that BOA wo n't reconsider closing my account.

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 09-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received notice that XXXX XXXX XXXX NY XXXX NJ had XXXX violations for {$8.00} each. I have had XXXX Pass for over 10 years with auto payment on my CC. I have NOT received any violation notices XXXX in YEARS as I take the bus into NY every day AND my XXXX pass is on Autopay. If I had received any violation, I would have filled out the bottom to show I have an active XXXX Pass account. 

I have called Alliance One to get copies of these violations. No response at ALL. Alliance One is charging a {$50.00} fee per violation. Now there is a {$110.00} bill for something that is Autopay and I got no notices of violations in YEARS. I want copies of these violations NOT just numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Iam writing in reference too the XXXX XXXX Collection Acct on all 3 of my credit reports XXXX, XXXX and Experian under state statue 7rs or over they must be deleted of my credit reports not just showing closed please remove off my credit reports!!! Thanks

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 07-03-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Credit line increase/decrease

Complaint: On XXXX XXXX, 2015, I requested an increase on my Bank of America credit card from {$2500.00} to {$3000.00}. Buried in the fine print, however, was an authorization to perform a hard pull on my credit report. This hard pull has adversely affected my credit score. On XXXX XXXX, 2015, I chatted Bank of America to request a reversal of this hard pull. My representative, XXXX, informed me the hard pull is required by federal law, which is not true, especially since XXXX XXXX, XXXX, and XXXX have all granted me credit increases via soft pulls of my credit report. Upon further questions, XXXX admitted the hard pull requirement was an internal Bank of America policy and NOT a federal regulation. When I then questioned her on why she gave me false information, she acted as if she did not understand my question and then prematurely disconnected the chat session. I can forward the pdf of this entire interaction to you if necessary. 
I would prefer my credit report be fixed and the inquiry deleted, but, most importantly, Bank of America should not be permitted to systematically lie to their customers about why they perform hard pulls ( a quick XXXX search reveals on the myFICO forums that the " this is a federal requirement '' line is a frequently used Bank of America customer service tactic ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted the credit reporting agencies on  XXXX / XXXX / 2017 , by mail. As required by law they still have not responded my to request

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I went to purchase a vehicle. I spoke to a sales person in regards to said purchase and he stated once we found the vehicle which we were looking for he would run my credit. Well he stated and agreed that my credit would not be pulled until we found the car. We never found the car that day ( XXXX XXXX,2017 ) yet on the following day my credit was pulled by his sales manager as he was n't present with the sales counselor of record when we spoke about finding the car and applying for a loan. I spoke to the sales manager he apologized for it as he stated he was unaware and that he would write a letter illustrating this mistake and contact his boss so the  inquiry would be removed. The inquiry is still reflecting on my credit report and has not been removed.

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 12/22/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have had nothing but problems with this company, I have tried contacting the let them know that they are reporting to the credit reporting agency 's inaccurately. Each time I am met with a form letter and a note that they are going to add dispute comments. They are reporting this account as late every month even after it was sent to collections. And even after it was settled. I settled in good faith after finally receiving my XXXX veteran benefits without even questioning them, thinking they would accurately report. In my letter I simply let them know it was reporting wrong, they refused to fix it and added dispute comments to cra.

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 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 placed a call to equifax and  XXXX   In reg ards to an collection account from enhanced reporting corporation in the amount of {$360.00}. I received documention from the creditor that the account would be removed from my credit report and The credit reporting agencies were also provided with this document of removal from the creditor. I submitted this document to Equifax and  XXXX  they confirmed they received it but refused to remove it from my report ( this was on  XXXX   XXXX     2017  ).

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: On XXXX I requested a full refund of {$440.00} from Best Buy for a two year renewal protection plan I purchased on XXXX that was unilaterally cancelled by Best Buy on XXXX ( four days before it was to begin ). Best Buy said Id be emailed an answer to my request in five to seven business days ( Reference XXXX ). Today is the XXXX business day and I did not get the answer I was promised, which is not surprising when you consider the following : *I purchased a laptop two year protection plan ( maintenance, accidental damage and XXXX Tech Support with XXXX ) on XXXX for {$300.00}. 
*I renewed the two year protection plan on XXXX for {$440.00} ( XXXX to XXXX ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I find no titles here that address my problem with XXXX and Transunion credit reporting offices. I have no idea how they determined that by me using my credit card, that it should effect my credit score by a negative XXXX when usage should have absolutely NO bearing on my score. 
Credit scoring was to be on how well we pay our debts, NOT when and how much we spend and by using what method we used for a payment method. Our spending habits are NONE of those credit reporting offices business! 
My credit score was up in the XXXX area, plus or minus XXXX or XXXX points but since I used our credit card to make a couple of purchases, I am being punished for such activity! 
I find this Highly irritating as I have a percentage factor of XXXX percent relating to On Time Payments and bill payoffs. 
What gives these credit reporting offices the legal right to punish consumers for using their Good Credit?? 
I wish to submit a formal complaint against these XXXX offices for Discrimination against such consumers as myself as they, in my opinion are violating my consumer Rights and creating an embarrassing situation for me when someone checks my credit score. 
These credit reporting offices are changing their policies on how and what they use to discredit honest, bill paying citizens and should be investigated based on their biased and discriminatory activities.

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 04/25/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech financial is committing the following violations : 1. Dual tracking. They are pursuing foreclosure sale while still evaluating me for a loan modification. 

2. Ditech has failed to provide me with the written calculations how they have determined my Gross income. 

3. They falsely stated my loan was originated after XXXX XXXX, 2009 with XXXX and listed that as a reason for denying the loan modification. 

4. I have had a change in my circumstances. My income has increased substantially. 

5. They have failed to evaluate me for a modification based on my new income. 

6. They have failed to make any contact with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Student loan (Private student loan) with Manhattan Beach Venture, LLC (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Harrasing phone calls from XXXX for a student loan I do not have. I have been out of school for approx. 30 years. I notified company to cease & desist. Company has ignored my wishes. Please contact company to stop unwanted calls and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MO).
Issue: Application, originator, mortgage broker

Complaint: I am filing this complaint in response to letters from both Caliber Home Loans, and XXXX as their representatives, regarding a foreclosure sale scheduled for XXXX XXXX, XXXX. I have repeatedly requested visual proof of the " alleged '' original hand signed loan documents, to which I have received no reply. I sent a RESPA request on XXXX XXXX XXXX by certified mail, to which Caliber was required to respond within 30 days. There was no response from Caliber within the legally prescribed time frame, and when I did receive something from them, the documentation was incomplete and contained photocopies of documents that either did not exist, or which had been altered, from the original file.I have XXXX " different '' copies of the note from previous inquiries on this alleged debt which prove that the original documents have been altered at some point. I also have a photocopy of the " right to cancel/rescission '' document that contains signatures which we have contended were not ours for the past two plus years, since we became aware of the document 's existence for the first time. I went to the title insurance company associated with this file on Friday, XXXX XXXX, XXXX to view their file. I asked them to show me the copy of the " notice of right to cancel / rescission '' form from the original file, as this is the document that we maintain is the forgery, placed in our file that we have never before seen or signed. The form does not exist in the original file, as required by Missouri law, and the office manager has stated he is willing to testify that the form was never part of the original file, thus proving that the form submitted by both XXXX XXXX XXXX and Caliber Home Loans at different points in time is clearly a forged document. I am demanding this foreclosure be stopped as there is no clear evidence that Caliber Home Loans has any legal right to our property, or any debt against it and that their behavior is questionable at best, if not clearly operating outside of the law.

Company response to consumer: Closed with explanation