milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/29/2015 about Credit card () with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (TN).
Issue: Balance transfer

Complaint: I recently opened a First Tennessee Visa account with the intention of transferring a balance from a MasterCard account I had with XXXX XXXX. I spoke to a representative at First Tennessee over the phone in XX/XX/XXXX to initiate the balance transfer, and was told that it could take 7 - 10 days to process. After not hearing anything for 2 weeks, I called back and was told that the balance transfer had been approved and that everything was fine. I kept checking my First Tennessee account online, and noticed that my Visa 's balance was still XXXX. After another 2 weeks, I called back again and was told that someone from their customer solutions department would reach out to me. A gentleman called me on XXXX/XXXX/2015 and told me that a check was cut to XXXX XXXX on XXXX/XXXX/2015, but that it was only good for 30 days so we would probably have to submit another balance transfer request. I did as I was told and requested another balance transfer via the First Tennessee website on XXXX/XXXX/2015. 

Finally, on XXXX/XXXX/2015 {$6300.00} posted to my First Tennessee account as a balance transfer. I received a statement from XXXX XXXX showing that I had a XXXX balance. I logged into my First Tennessee account yesterday ( XXXX/XXXX/2015 ) to find that the balance transfer had apparently been processed XXXX and my balance was XXXX what it should be!!! I immediately contacted First Tennessee and was again told that someone from their customer solutions department would reach out to me. I just received a call XXXX XXXX at First Tennessee and she advised me to contact XXXX XXXX and ask them to refund the overpayment. This is absolutely unacceptable and a complete waste of my time. If First Tennessee advised me to submit another balance transfer, then they should have put a stop payment on the XXXX check they cut to XXXX XXXX. First Tennessee needs to refund my credit card, and deal with XXXX XXXX on their own time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Other service problem

Complaint: I am a XXXX resident at the University of XXXX  XXXX XXXX. On XXXX XXXX, XXXX I traveled to XXXX to visit my family for XXXX break. I tried accessing my coinbase account and they locked my account and sent me this email : Dear XXXX XXXX, Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ( XXXX XXXX of ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please visit https : //support.coinbase.com for assistance.provide us with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement. 

If, however, Coinbase concludes that you reside in a prohibited region or are violating applicable sanctions in any way, your account will be closed and Coinbase will take any other actions required by law. 

Additional information regarding account logins from prohibited regions is available here. 

Respectfully, The Coinbase Team I am deeply concerned that I will lose everything in my coinbase account, despite my repeated emails to coinbase with evidence to the contrary that I am not a resident of XXXX, ect. 

Despite my emails, I am afraid I would not get any response from coinbase support as they have replied to me with an automated response. I am horrified that they may seize my funds, I have already lost a lot of money. 

I provided coinbase support with photos of my driver license and my utility bill to my house in Maryland. I have contacted coinbase support on the day I was locked out and have sent several inquiry emails requesting a follow-up or a status update but still no clue or any sign of them. 

I visited XXXX to see my family and I dont really have any intent on going back. I visited coinbase.com just out of curiosity because of the the recent movement in BTC prices and I was immediately greeted by the above message. 

Please advise what to do and how should I proceed and if there is any way I can get my account reopened. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: I sent XXXX XXXX XXXX a certified letter on XX/XX/2016 and requested proof that the debt and the account was mine ( signature, etc. per law ) I received a response saying that could not provide proof, as the account was opened online and that they would not be responding to anymore inquiries.

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 12-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This delinquent notice appeared on my XXXX account and stated this XXXX acct was opened this past XX/XX/2016. I do n't have a current XXXX acct at my current residence. I have n't received any notices or phone calls regarding the {$170.00} balance owed. I disputed this with XXXX but came back as being " valid '' '. I know for a fact this is not my acct and need this removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is reporting an account on my credit report when I have never had any kind of contract or agreements with them for them to be reporting on my report. I have contacted them and they stated they can not discuss the account with 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 06/18/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Billing statement

Complaint: An unpaid due amount appeared on my statement ending XXXX XXXX. To me this is impossible since I do online banking and have authorized my bank to pay upon receipt of the e-bill. The credit card services section and bill pay/online banking are with the same major banking corporation. After several phone calls and going up the chain my dispute has not been solved. I had asked card services to remove the unpaid amount from the statement. They continually tell me that my XXXX payment has not been received and that they can not remove the amount. What I thought was a refund of the past due amount actually was treated as a cash advance. I have had XXXX managers in card services tell me that this was a banking error. According to card services the bill pay section made my payment early, XXXX XXXX, which happened to be the ending date of my statement. Therefore, it was credited to the previous month. I contacted bill pay/online banking and asked about when the e-bill was received and paid. According to bill pay the e-bill was created on XXXX XXXX, 2015, received by bill pay on XXXX XXXX, and paid on XXXX XXXX. 
Card services resolution is to reduce some of the interest charges, removal of late charge fees, and pay the overdue charge on a date in XXXX that I can not remember that was told to me. They also suggested that I pay the current minimum due and continue to carry the overdue amount. Neither of these solutions are acceptable to me especially the last XXXX. Carrying an overdue payment for months will ruin my credit rating which, in turn, I will have debt collectors. The bank that I deal with has received government bailout money and I consider my situation to be fraudulent also. Any help that you can give me would be greatly appreciated..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Settlement process and costs

Complaint: Hello, we have bought house back in XXXX, and our loan has adjustable rate. So the original XXXX had transfer us to Ocwen bank. So month ago Ocwen bank sent a notice that our payment will go {$600.00} higher, on XXXX month. So I went and applied for temporary loan modification, until next XXXX. But they now are solicit us with short sale, that was us plan. They are seeing very week about some short sale. In my option is unlawful and XXXX government should take their license away.. They are using some " dude '' from XXXX that have no idea about our law and country. Please help. We have there kids, please help. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with LEXISNEXIS (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: LexisNexis XXXX ( XXXX ), Motor Vehicle Division or XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX in XXXX, Georgia XXXX gave XXXX XXXX XXXX XXXX negative information on me which caused a higher insurance policy quote. LexisNexis has a " non-working '' system where I can not get a copy of this Free Consumer Credit Report under the Federal Fair Credit Reporting Act. The phone number LexisNexis indicates to call does not understand the English Language. The computer voice keeps saying " I do n't understand '' or " I did not get that '', or it get some of what is said/input, then erases what was recorded/input than starts over again. I called 5 times to get my report and LexisNexis failed to give me the report. There is absolutely no option to get a human being. I called XXXX on this matter as XXXX paid LexisNexis for this service and XXXX was unhelpful. The LexisNexis number is XXXX. Since XXXX refuses to have a human being attend this number with an option if problems arise, they have chosen to be in " non-compliance '' with the Federal Fair Credit Reporting Act. I was never able to get a copy of this negative report LexisNexis gave to XXXX XXXX which caused a higher price.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WI).
Issue: Taking out the loan or lease

Complaint: ONEMAIN  XXXX   XXXX   XXXX   XXXX , TX  XXXX  This address sent me an email stating I was denied a loan. I did not apply for any type of loan. Someone else has used my personal information to apply for a loan. I did not provide my personal information nor did I give permission to use my personal information to  any one. I 'm in the process in repairing my credit. I have a very low credit score and I know myself I can not get a loan any where, so I do not apply for any types of loans until I get my credit score higher.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MD).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: A creditor submitted a redraw of {>= $1,000,000} to my personal bank account of which I did not authorize, did not know about and caused the account to be frozen by the bank. As a result, I have no means of taking care of my family, even buying food and household items needed for them. I can not pay my mortgage or buy gas to take children to school or go to work. 

The background reason is that this amount is from a debt. I borrowed XXXX XXXX to open a restaurant that failed. While I am the guarantor for the loan, this amount and other debt from other businesses are all being included in a bankruptcy. With the bankruptcy, the Suntrust bank where I have my personal checking should not have posted the amount submitted by the creditor and should have at least called or written me to verify. I would have informed the bank that I am in bankruptcy and that the account should not be frozen. 

As I understand, when in bankruptcy, all debt collection should stop until the Court decides on all debt. So I do not understand why my bank will allow this. 

When I called the bank, no information would be given to me except to call a phone number. When I called the phone number it went to a place that sounded like a law firm or debt collection business but no one answered 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 08/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: X/XX/2017, account was down to {$50.00} or so. Had an automatic transfer for {$100.00} scheduled to go to my savings and 2 small bills to pay. Bills got paid, account down to XXXX bucks. Transfer went through. Called Bank of America, said it 's still processing but also told transfers should n't happen with no money to transfer, which has happened in the past. No money usually means an automatic cancellation of that months transfer. Phone rep are no help, just getting the run-around.

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 monetary relief
Consumer complaint received 12-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Enhanced Recovery Corp entered a fraudulent entry on credit report which had been previously removed as a result of ID theft in 2014. This fraudulent amount is allegedly for XXXX XXXX XXXX, which I have never had ( I use XXXX ). When I called their XXXX phone number, they said there was no account with my name.

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 05/27/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I was sent a mortgage modification from my mortgage company " Ocwen '', I filled out no paper work it was just sent to me. So I decided to take advantage and started the trail payments. I finished the trail payments which I set up on their website to be automatically taken from a bank account, so that I would not be late. I noticed the payments had stopped and asked my mortgage counselor why. I was told they would resume once the mortgage modification was approved. So I left enough money in that account to make the first payment. We are on a very tight budget and owe money to other debtors as well. So every extra dollar we use to try and pay off a debt. I asked the counselor do I have to do anything or change any information. I was told no they had my bank info and the payments would continue to come out automatically. The modification was approved XXXX months later and I was told I had to send in XXXX payments. I told them I did n't have XXXX payments I thought they would take the payment I left in the account when it was approved and I would add another. I was told at this point it was my fault and responsibility to keep paying. I argued I was miss informed could they please help me there is no way I can send XXXX dollars. Please add the payments to the end or can we stretch them out over XXXX years seeing I was having a hard time with the payment before the modification, how would I now be able to pay a higher payment if I could n't before the modification? I was angry and they were very demeaning telling me as a homeowner I should know better. I said to them why did you stop my auto pay they had no answer it my responsibility. I again explained I trusted their direction and now they will kick me and my wife and kids out on the street if I do n't give them at least XXXX and they will set up a payment plan for the rest. I don ; t know what to do I don ; t want to be homeless, we have lived here for almost XXXX years. Please help they seem to do and say what ever they want.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (FHA mortgage) with CORNERSTONE MORTGAGE COMPANY (OK).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX has put me in a home that I could never afford but yet they took all my down payments etc and told me I could. My previous house payment was {$380.00} they put me in a home with a {$690.00} house payment which I do not make enough. I haven't even paid bills yet of which I do not have the money. They said I could afford it and I believed them I put in a complaint to you going 2 months ago and you have not given me an answer. I'm sure they are refusing you info like the do 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 03-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Mortgage has decided to create their own Bankruptcy Law, when it comes to short sales. Caliber is demanding an approval from the court ( " Motion to Sell '' ) allowing the short sale to take place, and will not give the court any kind of short sale approval terms whatsoever. The BK court will not review a Motion to Sell until they have all approval conditions from the mortgage lender. Caliber has decided that they are above the BK court and are going to create their own rules as to how a short sale works when the borrower is in bankruptcy. What is Caliber trying to hide from the BK court?

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The companies response to my complaint XXXX to cfpb is a complete lie. they claim they could not speak to me however they refused to because I had answered the phone stating that I was recording the call not knowing who was on the other end however they were calling me on a recorded line themselves ... .. The inquiries on my credit file have been on my credit report for 2 years .... 1 in XXXX  of XXXX which is showing as an XXXX inquiry but is actually a chase inquiry on my XXXX report 2 the XXXX on XXXX of XXXX  that is showing as a chase inquiry on my XXXX report. I have at one point requested the removal of these inquiries be expedited they refused to do that. In fact I was not happy with what they called masking the inquiries instead of removing them because I had not applied for this card they said they can only mask them whatever that means.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have items on my credit that does not belong to me. The only thing that should be on my credit report that I know is right is student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In 2007 While I was being treated for XXXX XXXX My Identity was stolen and my credit cards were stolen I reported it to all of my creditors as soon as I became aware of what was going on However none of the creditors were willing to help. Instead they reported and sold the accounts to collection agency 's. The collection agency 's have seine sold the paper to other collection agency 's. I disputed the the debts with the credit reporting agency many times the dates are inaccurate the accounts are over seven years old They were caused by Identity Theft and I did not benefit in any way. I locked my credit report for several years I have been unable to resolve the issue with the credit reporting agency. Mean while I have been harassed and threatened by the collection agency 's I am on SS XXXX and have been for over seven years. This has caused me great hardship as I can not even qualify for an apartment to live in. All of my Student loans have been discharged yet the reporting agency continues to report them as in collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The XXXX XXXX account on my credit report shows inconsistencies. I 've made several attempts to address this matter and have been unsuccessful. Though I do have a late payment, TransUnion is reporting other late payments.

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 12-12-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Payoff process

Complaint: I have made XXXX payments via US Mail from a Post Office to a Post Office Box for my full statement balance for a Chase United Visa Credit Card. All other payments to XXXX, XXXX, XXXX, XXXX, XXXX Bank, etc. have been received and processed. For the second month in a row, Chase has not " received the payments '' and proceeds to charge interest and late fees. I think they are trying to force customers to using online payments by delaying the crediting of mailed checks.

Company response to consumer: Closed with explanation