milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/26/2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Settlement process and costs

Complaint: I applied for a home loan, I was approved. When I was to close on the loan, the closers said unless the taxes on the home were paid, we would n't be able to get the loan. They presented a settlement statement sheet, that states moneys were deducted from the loan amount, to pay taxes for XXXX parcel XXXX XXXX {$160.00} and XXXX {$1700.00}, as well as parcel XXXX delinquent taxes for {$2400.00} which is for XX/XX/XXXX, also parcel XXXX XX/XX/XXXX XXXX {$4.00} and parcel XXXX XXXX {$44.00} and parcel XXXX Delinquent {$76.00}. They also state that they charged the borrower {$1500.00} to do it. I talked to XXXX XXXX, they told me several times, in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, that the taxes were not applied to the right place, that delinquent taxes, were to go to XXXX XXXX in XXXX. I also told them if the taxes were n't paid before XX/XX/XXXX penalties and interest would accure. They sent all the taxes to the City of XXXX. They were not paid on time, so Citizen Bank paid the taxes it seems. Now they are coming after me. I have been paying my loan on time. All of a sudden, they stopped applying the money being sent towards the loan, created and escrow account, and I owe them for taxes not paid for XX/XX/XXXX. The payments are being sent, but since they say we owe, they are not applying the payments to the loan, but to the escrow towards the taxes. I have made several attempts to show them their error, but nothing has worked thus far. This matter is getting worst, and it will potentially ruin my credit, as well as a possible foreclosure for none payment. I paid the XX/XX/XXXX XXXX taxes but somehow they managed to pick up the winter taxes. They keep telling me, that they are investigating the matter, but still not applying my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: this vehical was traded paid off by finance company this information is incorrect.

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 01-09-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, my bank account (XXXX XXXX) was compromised, so I contacted Coinbase about it. As the result, they have frozen my account for the period of 4+ months. They have charged my bank card on file automatically for $XXXX (causing overdraft fees and depleting my account) and also frozen the Coinbase account with funds in it.I have spent 5 months contacting Coinbase. I have spent 50+ hours of call time, e-mailing (Coinbase was e-mailed more than 200 times). Nobody has ever resolved my issue.At one point, I was told that I will not be allowed to use the site, then I was issued an apology and told they will soon refund all the funds and unlock my account. Now, there is absolute radio silence.As of today, XX/XX/XXXX, I still do not have access to my account or funds.I am beyond upset and broken.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Debt collection (Credit card) with Oxford Law, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Oxford Law Group LLC has been harrassing me and my family. I was contacted by Oxford Law Group by a man who identified himself as an officer, even gave a fake badge number. I was called a looser on the phone. They told me that if i did n't pay my debt on the phone immediatley that a warrant would be issued for my arrest. Prior to yesterday, i have recieved no contact from this agencey. They aslo called my dad and my sister, identifying themselves as police officers. They told my sister that if she did n't give them my address and phone number she would be charged with a crime. They also pressured my father to pay my debt over the phone to " keep me out of jail ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-02-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Denied for HAFA without proof of appraisal. We submitted a an appraisal of the property for a HAFA short sale to Wells Fargo that came in at $ XXXX. Wells Valued the property at {>= $1,000,000}. Wells then said they re-appraised it and said the property value was still too high but did not give me us a number. The payoff on the first mortgage is around {$110000.00}. We have an offer at {$100000.00}, which should make the homeowner eligible for HAFA. Wells has now countered back and say they need to net {$110000.00} with no valid reasons except investor demands? I think they just do n't want to do a proper HAFA short sale. The homeowner has two egregious home equity, open-end mortgages.

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 08/30/2016 about Debt collection (Medical) with Phoenix Financial Services LLC (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The following " Items '' was disputed with the Credit Reporting Agency ( s ) it came back has being verified. These Items are identified as # XXXX and # XXXX which were reported on XX/XX/2016 and said to have been opened on XX/XX/2016, they are Items not Accounts, from my belief. These Items have no Consumer Protection Law right to be reported on my private consumer credit report. Nor have your agency been given any Direct Prior Consent to " Communicate, 1692a ( 2 ) '' any information regarding me to anyone by any means. You have violated me and the Consumer Protection Laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et al. 

If the Items mentioned above are actual Accounts, opened by your agency, then they were open without my Direct Prior Consent and with my private nonpublic information and were extended my consumer credit. These accounts are to be closed and the Principal and any interest in these accounts be returned to me the Initial Creditor, creator, owner and beneficiary of all funds these accounts contain. 

I am a Consumer as defined in Section 1692a ( 3 ) of the FDCPA. 

You are a Debt Collector as defined in section 1692a ( 6 ) of the FDCPA. 

Without limiting the many violations you have committed, including Aggravated Identity Theft, unlawful possession and misuse of my Social Security Number, misrepresenting my character, taking unlawful actions, putting my ability to be a consumer into involuntary servitude, etc. the following sections are more than reasonable enough to point out your violations and liabilities : 1. You violated 1692c of the FDCPA. 
2. You violated 1692e of the FDCPA. 
3. Constitutional Violations, specifically 14th and 13th Amendments and 1692d of the FDCPA. 
4. You violated 1692j of the FDCPA, etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Student loan (Federal student loan servicing) with Equitable Acceptance Corporation (ME).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XXXX/XXXX/2017 I was contacted by XXXX XXXX of XXXX XXXX, " a government funded program to help students through loan forgiveness. '' She told me that I might be eligible for 100 % loan forgiveness and that I should complete an application to see. After completing the application she told me that I qualified for {$0.00} payments 240/mo if I accepted this management fee of $ XXXX/mo for 36 months for them to handle the docs and applications. So the hook was saying " would you rather pay -- $ XXXX/mo for 36 months to have $ XXXX/mo payments through the remainder of your 240/mo term -- or pay your current payment of 90/mo for the remainder of your 240/mo term? '' to me it seemed like a no brainer so I went through the process and signed papers to have them handle the refinance.
What I am realizing now is that I could have done this process myself for free by just calling Navient. I am angered and frustrated that a company can target and swindle student loan holders who, like me, are young, hardworking, and just trying to do whats best for themselves and their future. Even if the fine print covers Equitable Acceptance legally which I WILL have a professional to look into ... it is unethical to mislead the consumer into thinking they are taking an option that is n't offered anywhere else, nonetheless for free and is a blind robbery of people who do n't have money to spare in the first place!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Debt collection (Credit card) with Selip & Stylianou, LLP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: well I had a judgement placed against me XXXX 2016 for {$6100.00} .this includes no interests as stated in jdgement. XXXX I noticed I 've made 9 payments total {$1100.00} im looking and they still have my balance at XXXX after payment I made today XXXX/XXXX/2016, but my balance based on judgment should be {$5000.00} after my 9 payments difference of {$410.00} I called the law office of selip & Stylianou llp in XXXX ny. XXXX my account representative at ext XXXX says the difference is from interests im being charged he sys per NY state 9 % {$1.00} a day???? that 's crazy how can they charge interests on a judgment that did n't include interests??? Basically making payments im being unfairly robbed cause the account will never be paid off if they are charging me interest per day this is crazy and unfair s there something I can do???

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 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 was recently hacked and I have been affected due to this issue. Because of their lack of security and infrastructure, I likely have to put my account into a forever loop of fraud alerts to protect my financial identity thieves from ruining my life. 

The failure to inform their clients since the initial hack in XXXX - now XXXX, and the quick sell out of investors speak otherwise of what was really going on in the background while trying to make money off of customers and still trying to please their investors. Please investigate this company for insider trading, fraud, and fine the company for practice maleficence.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XXXX XXXX, XXXX I filled out a form on the Experian website to receive a " free '' credit report. Once I had submitted my information, it only shows certain reporting information for " free '' and says if you want your credit SCORE, you have to pay {$1.00}. So, I paid the {$1.00} to get my credit score. What the website does a VERY poor job of explaining is that in paying that {$1.00}, you are signed up for some sort of " membership '' program that costs {$21.00} per month. If you do n't call and cancel the membership within 7 days, your membership automatically renews for eternity. I was unaware that I was being signed up for this program, and when checking my credit card statement today ( XXXX XXXX ), I saw that I had been charged {$21.00} on XXXX/XXXX/XXXX and another {$21.00} on XXXX/XXXX/XXXX. It should also be noted that in going back through my junk email folder I noticed several emails from Experian, NONE of which were receipts or notices of being billed for the membership. I found a very generic " Welcome to Experian '' email, that had I seen at the time, I still would not have known that I had signed up for any sort of membership. Reading the email, it seemed like typical follow-up marketing when you give out your email address. No mention of the cancellation period, no mention of being charged for anything, it does n't even mention the word membership until the very BOTTOM of the email. When I called Experian to dispute the charges, explaining that I was unaware of being signed up for any sort of membership, they were only willing to refund one of the charges. I even spoke with a supervisor and no one was willing to help. The XXXX/XXXX/XXXX charge has not even gone through on my credit ( still pending ), yet Experian told me there was nothing they could do to refund the charge and that I would have the membership benefits through XXXX. Thanks Experian, that 's so helpful! I get another month of a membership that I did not sign up for, I do not want, need, or find helpful, and there 's nothing you can do about it. These types of practices are extremely deceitful and should be stopped!! I am certain that I am not the only person who has been tricked by this process. This needs to end, and the victims compensated justly.

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 01/18/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX Was sent a debt verification letter in return they only sent a billing statement .Under the FCRA 15 U.S.C. 1681I. All  unverified account must be probably deleted

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 02-01-2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: All ( XXXX ) Credit Reporting Bureaus are reporting the closed XXXX Account as a Repossession. The fact of the matter is, I paid off the entirety of this loan in advance of the maturity date and I hold the title and lien release to the vehicle. No Repossession ever occurred yet after 2 CFPB complaints with XXXX and these XXXX complaints - XXXX for each credit reporting bureaus, they can not accurately report the " correct '' status and would rather ruin someone 's credit score than do their " due diligence ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan had been transferred to Freedom Mortgage, we were on a biweekly payment plan as we wanted to payoff the loan faster. We ended up moving from XXXX Texas to XXXX and sold the home. During closing a payoff amount was requested and we contacted them to notify that the loan would close on XX/XX/XXXX and the payment for XX/XX/XXXX would be included in the payoff amount. A represenative told us this was normal practice and so we went on to close the loan on the XX/XX/XXXX. Once the loan was closed and paid in full, we began looking for a new home in our new XXXX of XXXX. Come to find out our credit had been dinged badly due to Freedom Mortgage saying we had missed XXXX payments!!! WHAT?? I immediately got on the phone to find out what was going on. After countless phone calls and talking to representatives and waiting for supervisor call backs ... .still they can not put me through to anyone who has the authority to look into the matter and realize that NO payments were missed and the loan is closed and paid in Full!! This has prevented us from looking for and applying for a new mortgage. This is by far the worst handling of a situation where a client who has always been in good standing and has completely paid their loan in full, is being completely discredited by a mistake from their company!! It completely disrupts peoples lives!!

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 09/28/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Settlement process and costs

Complaint: Selling a invalid amended note to bank of XXXX and servicing rights to XXXX and refusing to investigate the issue when brought up to there attension

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Mobiloans, LLC (TX).
Issue: Problem when making payments

Complaint: during the   XXXX   XXXX   of  XXXX   2017 , I requested that my banking account information be updated so that i could use an additional account to make payments on my loan. I was not given the opportunity to do so, I received no response offering to help update my account information or providing me the option to do so.     during  XXXX   2017 , I called and requested that I be given an update on my account and was placed on hold for an extended period of time. I contacted mobiloans again during  XXXX     2017  and after discussing the status of my account and learning of the additional charges being added I was offered a settlement amount. I verbally accepted the offer extended and was told that the agreement would be in place and the amount owed would be the agreed offer. As part of the offer I was asked to agree to a payment to be taken as " good faith '' I was told that it would be applied to the new settlement amount and would cease any previous ach payments.To confirm the agreement, I asked that I be delivered a copy of the terms and conditions of the settlement offer as proof of the agreement via email or physical mail. I was told that they would not do that and that I could expect information by the following close of business. The following day I was charged  XXXX  payments instead of the  XXXX  payment as agreed and was never given the terms and conditions of the settlement offer. I contacted them again and still did not receive the information requested. furthermore during this time I was unable to make payments on the account online.   
As a result of these actions and behaviors on behalf of Mobiloans, I consider this to be a breach of contract for violating the terms and conditions of the settlement agreement o  ffered to me and for not allowing me to pay my account balance to avoid additional fees and charges.

Company response to consumer: Untimely response
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Closing on a mortgage

Complaint: Our complaint is against Nation Star mortgage/DBA Mr. Cooper. 
I paid off my mortgage XX/XX/XXXX and they were to reimburse me {$1100.00}. 
They sent a check for {$150.00} XX/XX/XXXX which I rejected and sent it back to them with the reason that it was not the amount I was due. They sent a letter from the research department dated XX/XX/XXXX and said they were looking into this matter and I still have not heard back from them. 
The XXXX XXXX XXXX XXXX of Michigan bought my property be cause they are widening the road where my house was located. they wired money to them XX/XX/XXXX and XX/XX/XXXX and rejected both wire transfers finally XXXX XXXX XXXX XXXX sent them a cashiers check XX/XX/XXXX and it was accepted then, but we have n't been able to resolve the matter of the {$1100.00} that Mr. Cooper still owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (Auto) with ARVEST BANK GROUP, INC. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX Averst Bank 2008 this is to old to be on my credit repot. Its XXXX. I want this removed. I gave this back to then. They sold me a lemon. The transmission had went out of this thing after a XXXX or four months. I lost thousends on this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I noticed incorrect information on my credit report that belongs to someone else. I reached out to the company to dispute the information, but when they were done with the dispute they did not remove the information from my history.

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 Debt collection (Other debt) with I.C. System, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2016 XX/XX/XXXX XXXX XXXX opened up an account for XXXX dollars in my name. This is an error because I never opened up an account with XXXX XXXX. I would like for this to be removed because it is having a negative impact on my credit score.

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: After many attempts to resolve this issue, XXXX and XXXX continues to report the following items : Equifax : XXXX, XXXX XXXX XXXX XXXX ( attached to bankruptcy ) XXXX : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX had deleted and is no longer reporting the bankruptcy items. These credit reporting agencies who were getting this information from XXXX continue in blatant violation of the FCRA to report these items ...

Company response to consumer: Closed with non-monetary relief