milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-02-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with FCI Lender Services Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to negotiate with the holder of our mortgage loan FCI Lender Services in XXXXXXXX but are being stonewalled and given false information while they work to auction off our home we have owned for 50 years. FCI has claimed that since they are a private company that they are not bound by any federal or regulatory guidelines that govern mortgages. Based on earlier complaints we had registered with FCI, they agreed to open a review and issued a denial letter on XXXX XXXX, 2017 ( uploaded ). In the denial they state that they will not use my wife 's income because " unable to count the self employed income due to lack of 2 year history to support the income ). I thought evaluations were based on the current financial information from the last 90 days?? This income is listed on the tax returns, I find it hard to believe that FCI can just discount it and make up a rule that this income does not count because it comes from self employment and they do n't see a two year history??? 

Also in the denial FCI states that there was no type of good faith down payment offered toward the arrears. This is false, we offered them $ XXXX earlier this year in order to get them to work with us. Not only are they denying us access to programs and inventing guidelines as they go they failed to offer us the option for mediation in the state of XXXX, which is required by law. Additionally, FCI has been piling on junk fees for all kinds of things ( inspections, questionable and extremely high late fees ) and also greatly inflated the delinquency due for past taxes and insurance. They claimed that I was so far in debt to them that they could not work with me. I told them that they were required to work with me because the government has programs in place to help struggling borrowers. They told me that they do not have to follow the government regulations because they did not take bailout money and because they are not regulated by the government.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Mortgage (Other mortgage) with RoundPoint Mortgage Servicing Corporation (SC).
Issue: Loan servicing, payments, escrow account

Complaint: For the second time in a year, we have received a drastically different payment amount and escrow analysis. The burden this creates on short-notice for a family of XXXX is tremendous. We have relied on our mortgage company to do their job ; however, we are for the second time, realizing this is not happening. RoundPoint Mortgage is giving us a $ XXXX payment increase and asking that we come up with a huge addition to our escrow in a short amount of time. This should n't be allowed to happen like this. We can not afford the home we are living in for {$200.00} more a month and XXXX dollars to be paid on short notice. These are DRASTIC changes in our finances and we have been waiting on call backs from XXXX at RoundPoint Mortgage who was supposedly getting to the bottom of this issue for weeks now. Having your home and mortgage in the hands of RoundPoint Mortgage is risky and terrifying for a family. This is the second time in a year we have received a notice of a large increase in payment. We never get clear answers and wait on callbacks that will never come. The only way we received a resolution in the past was going through this Bureau. That should n't be the way business is done. We are busy enough!

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 10/13/2016 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (MN).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with BMO Harris bank on XX/XX/XXXX. I opened this account in the XXXX XXXX, MN branch location. I brought with me a coupon for a promotion to open the account. The coupon and the bonus terms and conditions are attached to this file. The terms are that I will receive a {$200.00} bonus for opening a new account and setting up a recurring direct deposit of {$300.00} or more. The terms say that the bonus will be credited within 120 days. I contacted BMO Harris Bank and asked why my bonus was not credited. Initially, I was told it would be credited to my account within 10 business days. Later I was told that I did not meet the terms of the contract. I was told that I had an account open within the past year. This is not true. The most recent time I held an account, in any form, with BMO Harris, was XX/XX/XXXX. According to a BMO customer service representative, I closed that account on XX/XX/XXXX. The terms of the offer say : " Offer not available to existing BMO Harris personal checking account customers or those who have closed a BMO Harris personal checking account within the past 12 months of opening a new account as part of this promotion. '' Since I opened my new account on XXXX/XXXX/XXXX and closed my most recent previous account on XXXX/XXXX/XXXX, I did not have an account with BMO Harris for over a year, and during no part of 12 consecutive months. I have otherwise met the terms and conditions of this offer and as such, BMO Harris is in breach of contract. They have refused to credit the {$200.00} bonus to my new checking account after 120 days. I also feel that this is false advertising on the part of the bank, and has wasted some of my time and likely the time of its employees in researching this matter. I acted in good faith, met the terms of the offer, and expect the bank to hold up its end of the deal.

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 08/27/2017 about Debt collection (Medical debt) with Unlimited Progress Corp (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX of XXXX : I have an XXXX done on my shoulder to determine if I need XXXX. This is done at XXXX XXXX XXXX in XXXX XXXX, IL. 

XXXX is done, and this all gets billed to insurance. By XXXX of XXXX I have all my bills situated, and run through insurance, have all the statements for what 's due in hand. 

Come XXXX of XXXX I get a bill for XXXX from XXXX Diagnostic Imagining for my XXXX, warning that this bill will be sent to collections if not paid by a date in XXXX. This was the first bill I ever received from them, so I paid it the first week of XXXX. 

Fast forward to XXXX of XXXX I get a collections notice in the mail from XXXX XXXX and XXXX XXXX in XXXX, IL. I filed a claim with transunion claiming I payed the bill, but XXXX XXXX never removed the claim from my credit history. I also sent them a certified letter the first week in XXXX with proof of payment to the original company and they still have not removed my collection from my credit history. 

This never should have been there in the first place, and my credit has taken a huge hit over a bill I payed, and now the debt collector refuses to remove it.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Date XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Date XX/XX/XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I went online and requested a call back from a car salesman. He then called me back asked me if it was okay to do a " SOFT '' credit check to see what I may be looking at when I do apply for a new car. Before I know it the sales person ran my credit with all these different banks without my consent and he never called me back with any information.

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 01-04-2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have a 7 year fraud victim alert on my Equifax credit report any time I try to order a copy and the automated system wo n't send me a file disclosure it 's been a year and I have the rights to free copies to detect further fraud

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am disputing account number XXXX with Portfolio Recovery Associates because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Portfolio Recovery Associate to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NH).
Issue: Settlement process and costs

Complaint: I called my local wells fargo to get a refinance on my loan that is XXXX and bring it down to XXXX they told me I would n't have to pay closing costs because of the FHA XXXX program that has been around for years. well 3 years ago and 1 year ago I called wells fargo to tell them I wanted to refi and they told me I had to pay closing costs. so ithought I could never do it because I did n't have the money, not knowing they misled me to believe that there was a program they never told me about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Bank account or service (Checking account) with PNC Bank N.A. (NC).
Issue: Account opening, closing, or management

Complaint: I was a customer of a local bank named PNC and I had a personal checking account. When I went to close my personal bank account, the bank issued XXXX cashiers checks. Both checks bounced when deposited into another financial institution. After informing the bank that their cashiers checks bounced, the bank ( PNC ) required me to return the cashiers checks, before re-issuing new valid checks. Because the cashiers checks had been destroyed, the bank has refused to reissue new checks and has not refunded my funds after more than two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Date of the transaction : X/XX/2017 Amount : {$1800.00} Apparently I was charged for merchandise that were sent to a different residential address. I have spoken to the merchant and was told they made a mistake and advised me to dispute the charge with the bank due to them having trouble with some error. I gave many documents to support what happened as well as where the merchandise went to. I gave everything that the Chase Claim department would need to approve the claim. A month or two later they noticed me that the merchant gave valid information to state that the charge was correct. Then, I appealed the case stating that 's not possible, as well as giving more documents to support the fraudulent charge. However, the bank denied the appeal a week later and I 'm out {$1800.00} now ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: on XXXX/XXXX/2016 credit report report for XXXX. first collum under Remarks the XXXX XXXX is om every monthly reported entry. I called XXXX @ XXXX and inquired about my account and specificaly the reporting. the supervisor XXXX XXXX said my credit history was good and i should contact Transunion. I would like the XXXX XXXX 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 explanation
Consumer complaint received 02/14/2017 about Debt collection (I do not know) with Holloway Credit Solutions (AL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Holloway Credit Solutions left a detailed message on my work voice mail mentioning me and a debt I owed. I want them to stop. I thought this was not legal? I sent them a letter of asking what this was for with no answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (I do not know) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I found a collection on my credit report. I called the company to tell them it is n't mine. I had already filed a police report with a different collection agency last year. This debt keeps recurring from different collection agencies. Although I offered to send them a copy of a police report made on the same debt last year, they insist I complete their " packet '' so they can investigate. When asked how long this would take, the answer was that they did n't know ; it would take as long as it takes. I feel like I am fighting an uphill battle with these people. The address where the debt originated is on their report, but they say it is my responsibility to prove I do n't there.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Confusing or missing disclosures

Complaint: At the begin ofXX/XX/XXXX, I started investing in XXXX. 
I send money to Coinbase and at XX/XX/XXXX, I have wanted to participate to an XXXX ( XXXX XXXX XXXX ) named XXXX. This XXXX is possible via XXXX currency and smart contracts ( programs ). The principle is to send ETHs from a wallet to the XXXX XXXX Smart Contract and when the XXXX is over, it sends back tokens to the original wallet. 

I sent 4 ETHs and 5 ETHs to 2 different Smart Contracts but both are XXXX of XXXX. 

My problem is that Coinbase speaks about your wallet ( owned by you ) but finally, it 's not your wallet, it 's a technical wallet owned by Coinbase. And when the tokens come back to the wallet, it 's too late : the tokens are in the technical wallet but you do n't have the keys of this wallet. 

I have tried many times to explain that to Coinbase et to try to have an arrangement ( even if I am charged ) but I received no response at all.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Notified Diversified Consultants on XXXX-XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 (A)(7). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Diversified Consultants to remove incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA  section 623 (A)(7). Never received any mail from Diversified Consultants.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: multiple inquiries from the same companies reported several times and I spoke with the credit bureau before and they removed them and after there crash they where reapplied. Please remove these inquires immediately XXXX XXXX XXXX-they are no longer in business and ran numerous credit inquires against my agreement XXXX-ran my credit once and its reported over and over again as an inquiry XXXX- never authorized this inquiry I was a victim of trans unions inquiry issue and all old inquires were replaced also- XXXX XXXX XXXX XXXX XXXX these where all previously removed and now they are all listed on my credit file twice due to transunions problem please remove them thank you

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 10/26/2016 about Bank account or service (Checking account) with PNC Bank N.A. (FL).
Issue: Problems caused by my funds being low

Complaint: I opted in for overdraft coverage for my PNC checking account. I overdrew my account, however, a deposit was made which covered the charges and brought my account to a positive balance on a Friday. On a Monday, another charge overdrafted my account, resulting in me having a negative balance. Instead of counting from the day that my account was overdrafted the second time, PNC began to access " continous overdraft fees '' in the amount of {$7.00} per calendar day which - persuant to the agreement that I signed opting into overdraft coverage - is only to be assessed after an account REMAINS in overdrafted status for 5 calendar days or more. I spoke with them twice regarding this matter, however, they maintained that their agreement permitted the assessment of these additional charges of {$7.00} per day. I was told on Friday, XXXX/XXXX/16 that I would receive a call from a PNC representative named XXXX XXXX that day to discuss further, however, that has yet to happen. Their overdraft coverage agreement is misleading and egregiously unclear with regards to the assessment of the {$7.00} per day charge and I believe that I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Capital one  XXXX   XXXX   2015 their is  an inquiry on my credit about this credit card and I do n't even own a credit card never have. Your customer service did n't help at all they keep stating that they ca n't help me and it 's getting frustrating You guys customer service needs to be adjusted because how can I have an inquiry for something I did n't even order or apply for

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a card account by Synchrony at the Lowe 's store. It took a long time to get my card and apparently it was sent somewhere else before they sent a new one to me. At that point the person who recieved my card originally stole my identity and has started creating multiple credit cards with the synchrony company in my name. I have submitted a fraud alert on my name twice since then! I would like any applications to the this rediculous card company to be blocked because I will never personally apply for a card through them, and any other applications are fraudulent! Please stop letting people steal my name and credit, because you are too money hungry and ruin people 's lives by not doing the proper background checks to actually verify a person 's identity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: None of the above fit. every time we try to call a woman comes on and gives hours and says if you have reached this message every one is answering other calls and leave a message. After the message notice comes on it says the mailbox is full.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Problems caused by my funds being low

Complaint: Just as what happened at XXXX XXXX XXXX whom transferred my account without my consent to Huntington Bank monies were removed via late fees which now are getting close to {$1000.00} per month for the last 3 months. several times late fees were changed to my account without any reason at first they were removed now they 're getting worse. I called and requested that charges be removed and my account audited for the year. Bank officer on phone XXXX said they would send me a email how to get a audit, the email never came. I requested this on XXXX/XXXX/2016. Now I have filed several complaints which have proven with paperwork to be correct but I have never been refunded on any of the cases I filed with CFPB, FTC, DOJ or any legal agency even though my paperwork was use to prove cases. This I believe is a criminal organization which seems to get people inside banks, agencies to commit fraud then violate me in trying to protect reputation including Federal agencies whom I sent paperwork and went in person to give paperwork to FBI, IRS etc. As for CFPB I have received after filing complaint a call which states that I should call a phone number I do so but the number never answers and phone company states number out of order. Just In the last several months means to directly contact Huntington has gone from website there is n't any chat, email or a direct address to headquarters when there used to be able to do so online. 
In conclusion I have filed similar complaints sent in evidence as I did for my former home address when several banks fraudulently use a similar address to mine to file fake mortgages then when I reported case to FBI and police cases would be filed without trial to protect government officials involved in fraud. ( XXXX XXXX XXXX XXXX XXXX XXXX, MI. XXXX ). I sent in claim paperwork to DOJ law firm in XXXX and have heard nothing for the last 3 years, likewise for my bank complaints like XXXX and now the same thing at Huntington Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: I purchased my vehicle XX/XX/XXXX. I started my chapt XXXX bk XX/XX/XXXX my chapt XXXX bk was approved XX/XX/XXXX. It is my understanding that when you are under bankruptcy protection that the loan or finance company can not charge you any fees or accelerate your interest while under bankruptcy protection. 
My loan is due to end as of XX/XX/XXXX. I was just told that my payoff is XXXX this is incorrect. I was also told that this is additional fees and interest charges.

Company response to consumer: Closed with explanation