milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-09-2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (AE).
Issue: Loan modification,collection,foreclosure

Complaint: I received XXXX to the XXXX in XXXX 2011. We started the process of listing our home for sale and were unsuccessful. In order to attempt to be compliant with our XXXX XXXX report date the agent and lender advised on attempting a short sale. In order to start the short sale process we had to show hardship and stop payment for several months. Prior to our departure of XXXX XXXX we had late payments past due and no clarification on a short sale. Over the course of the next year we were advised to apply for a deed in leiu. Obviously during this time our credit rating was destroyed and on final outcome our home was given back with an appraisal of more than XXXX less than purchase price XXXX years earlier. As I am returning to the states in a few short months we are trying to purchase another home and are having trouble. I have just now learned of a retro action from DOD HAP that may assist our past situation. Unfortunately i do not recall receiving and information about actions via mail as nothing was formal and may have appeared to be " junk mail ''. In short my service requires my family to move short notice and has caused financial hardship over the past years.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was denied having my loans consolidated for years. I was repeatedly told subsidizes and unsubsidized can not be made XXXX. Therefore I have n't been able to make my payment and remains forebearance accruing interest on XXXX accounts at 6.6 percent interest.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Other transaction problem

Complaint: I requested a payout in the amount of {$2300.00} from this company on XXXX XXXX, XXXX at XXXX XXXX. The payout method was via Wire Withdrawal to my bank account, which charged me XXXX due to the expedited nature of a 'wire ' withdrawal. It had a guaranteed delivery date of XXXX/XXXX/XXXX. After having not received the funds on XXXX, I contacted them, and they briefly replied that they were working on it. As XXXX time was nearing, I sent them several follow up e-mails and failed phone attempts ( Customer support telephone line is almost impossible to get ahold of, and they claim they do not honor withdrawal issues via phone, only site login difficulties ),  and received no replies. This money was intended for XXXX, rent, and a number of other bills that were due. I relied on this company to pay me out in the timeframe that was promised.. it is now 15 days past my withdrawal date, and 12 days past the expected delivery date, and I have not received a penny to my bank, or any valid e-mail responses indicating when my money will show up.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I got a free 2 year credit report from experian and i noticed that there was something on my public records that i knew absolutely nothing about, i was also a minor at the time still going to school and living with my mother. i have tried calling experian, the court where it says it was filed at and many other places and nobody has been able to help me with this issue. i believe that it may be fraud, i need help finding information on this situation. thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (Medical debt) with Midwest Recovery Systems (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There is a negative collections on my account that I am unaware of : Collections Co : Midwest Recovery System Original Creditor : XXXX XXXX XXXX Date of first Delinsquency : XX/XX/XXXX Date of Assigned to Collections : XX/XX/XXXX Amount owed : {$120.00} This is the first action that I have taken.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am being repeated contacted to pay a debt that is invalid. Dynamic recovery solutions is claiming I have an outstanding debt that is over 9 years old and completely invalid. They can provide no documentation that I have incurred this debt, but continue to harass me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-04-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: I have disputed {$210.00} in overdraft fees to my bank and the response I received did n't address my concerns so I am contacting you. I did a transfer using XXXX XXXX and afterward I checked my account which reflected the deposit. Following this, I sent a payment through the service XXXX. TD Bank later changed the order of my transactions to make it seem like I sent the XXXX payment before the XXXX XXXX deposit posted. This is not what happened and this is not what my account reflected when I checked after I accepted the XXXX XXXX money transfer. I contacted the bank 's customer service line and was told that I would have to go into a branch to get a refund because she was only allowed to give my back {$35.00} over the phone. When I went in to the branch, the representative told me that TD bank has a policy where purchases are posted before credits, no matter if the credit is received first. And then she said she would only be able to refund me {$35.00} of the {$210.00} overdraft fee. I told her that changing the order of transactions is illegal and I know XXXX XXXX, XXXX, and XXXX XXXX XXXX recently had to pay a XXXX dollar settlement for engaging in these practices. She told me that she would email her branch manager to see if they could refund me all of the fees. I never heard back. This was a branch on XXXX and XXXX XXXX. I also called the customer service number again and told them it was an emergency and I needed those funds because I was moving that day. The supervisor I spoke to only refunded me {$70.00}. So, the bank still owes me {$140.00}. I am reaching out to you in hopes that you can help me resolve this issue. I have had trouble getting food because of this bank error and it is not fair!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MS).
Issue: Problems caused by my funds being low

Complaint: I run a business that functions mostly on credit card transactional deposits. I opened XXXX accounts with TD bank for daily use of this cash. I continually get overdraft fees ( thousands of dollars ) as the card allows you to overdraft. They did not initially tell me about this feature. When I found out, I complained to management multiple times that I do n't want these fees and to turn off this feature as I have employees using the cards and they do n't always know the account balance. They refused to turn off this feature. I literally am getting hundreds of dollars a day in fees. I feel they are taking advantage of low income citizens. I do n't make a lot of money but I work hard for what I do make. I would like the accounts closed and the fees refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Mortgage (FHA mortgage) with Arbor Residential Mortgage LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I 've tried numerous times to sell my house via a short-sale and the bank has n't responded. Next, the mortgage company that handled my mortgage was bought out by Seneca Mortgage Company. While working with a HUD Housing Agency, Seneca Mortgage Company was giving the HUD Housing Agency the run around. I believe my house has went into foreclosure. What are my options?

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 04-04-2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Late fee

Complaint: Chase Bank is manipulating the payment receipt date so that they can charge late fees. My XXXX payment was due on XXXX XXXX. Chase charged me a late fee because they claim they received the payment on XXXX XXXX. That is not possible. Chase received the payment on or before XXXX XXXX. XXXX XXXX is a Sunday and the XXXX does not deliver mail on Sundays.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: On XX/XX/XXXX I filed a fraudulent Dispute that there are multiple unauthorized fradulent charges on my account which totals up to {$9200.00} and My log in user name and password was changed my debit card pin number was changed. I'm not familiar of this citys and locations of this fradulent unauthorized charges that took place on my account I have never visit this cities that The fraudulent unauthorized charges happen I'm not familiar from this cities that a fraudulent unauthorized charges happened and I don't even have a history of being in this Citys that the fraudulent unauthorized charges happen on my account and I'll XX/XX/XXXX I got the final decision from the investigation Department saying that they did not find any error occurred on my account and they have documents to support that, first of all I did not file a dispute that there's a error occurred on my account I filed a fraudulent unauthorized charges dispute on my account, second of all my login has been changed and my Debt card pin number been charged, after knowing all this how can you make a final decision not to credit my money of {$9200.00} that was fraudulent stolen from my account. 
Claim Date : XX/XX/XXXX Claim Number : XXXX Claim Amount : {$9200.00}

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 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I learned via XXXX XXXX that Transunion is reporting and open collections on my credit statement from the XXXX XXXX XXXX XXXX XXXX in the amount of {$2600.00}. Supposedly, it was reported on XXXX XXXX, 2017, and referenced with ID # XXXX. I learned about it, and filed a dispute via XXXX XXXX on XXXX XXXX, 2017, stating that I have no knowledge of this account. I heard nothing.on my dispute, so I called Transunion. The person I spoke with recognized I had filed the dispute but stated there was no change to the report. They said Transunion sent my dispute to the business who posted the collection, but they received no feedback. I filed another dispute, this time directly with Transunion, on XXXX XXXX, 2017. This is a bogus collection. I have never been contacted by anyone regarding this collection. Transunion does not appear to do anything other than forwarding my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Mortgage (FHA mortgage) with CONTOUR MORTGAGE CORPORATION (NC).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I originally applied for a mortgage loan with  Contour M ortgage in  XXXX  o f 2017. I w as prequalified by myself and at the time i did not want to add my husband. I later realized that for the type and size of house we wanted we needed to add both my husband and I on the loan. The lo an officer assured us that if he was added to the loan we could go as " high as we wanted '' ( his words exactly ). W e searched for a home and foun d one a nd asked him for a pre qualification letter on   XXXX   XXXX   , 2017 o f a certain amount on the advise of our realtor. She suggested this be done so the seller would agree to pay closing cost. The loan officer agreed. We contracted on  XXXX   XXXX  , 2017 with  a closing date of  XXXX   XXXX ,  2017 a nd a due diligence date of  XXXX ,  XXXX ,  2017 . We sent the loa n officer ev erything he needed which included     XXXX   XXXX  , bank statements and all disclosures he asked us to sign as soon as he sent them or asked for them. On  XXXX   XXXX     2017 the lo an officer informed us that I could not be on the loan because of a  XXXX  issue. ( after having this looked at by another lender this was showing clear ). The l  oan officer assured us at this time that we could proceed with this loan in just my husbands name.
As the due diligence time approached we did not hear anything from the loan officer so w  e called a day before on  XX/XX/XXXX , to see if everything is ok to close and to confirm that the appraisal was completed. The loan officer assured us everything is fine but no the appraisal has not been completed. The appraisal payment was taken from our account on  XXXX   XXXX ,  2017. It was  ordered an hour after our realtor called to ask about it on  XXXX ,  XXXX ,  2017. As the  closing date was approaching everyone involved including the seller was wondering why underwriting was n't complete. The appraisal still was not back as of  XXXX ,  XXXX ,2017. My realtor called someone in corporate to get a resolution and he confirmed that based on the income and credit report this loan has no problem being approved and assured her that he will do everything he can to speed up the process for a closing asap.     The final decision from underwriting came back on  XXXX   XXXX ,    2017. It  was denied due to insufficient income. This was not relayed to us. we had to call to get a status and that is when we were told that we did n't qualify due to not enough income for the price of the house. We still have not received a formal written denial as of today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2016 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Unsolicited issuance of credit card

Complaint: pay pal sent me an unsolicited credit card.

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 11-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another one of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XX/XX/XXXX, when my last credit report pulled was XX/XX/XXXX and they were no where to be found.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a line of credit through XXXX in the amount of {$1900.00}. This credit line is not reported on any of my XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Payday loan, title loan, or personal loan (Installment loan) with DISCOVER BANK (MS).
Issue: Problem when making payments

Complaint: The company charges a {$39.00} late fee. My monthly payment before the late fee is {$170.00}. When they add the late fee, on their website my account shows a minimum payment due of {$210.00}. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. I was late making my XX/XX/XXXX payment. I made a payment of {$210.00} on XXXX XXXX, 2017. My account now shows a balance due of {$78.00} for XX/XX/XXXX. I called the company today XX/XX/XXXX and was told that they do n't apply my payment to the late fee until after my next payment is made. Well that is not acceptable and apparently not true. If that were the case, they would have applied my {$39.00} payment for the late fee charged in XX/XX/XXXX when they posted my payment for XX/XX/XXXX. This is not the first time I 've had billing issues with this company and I 'm sick of it. If I make my payments per my loan agreement and pay my late charges, my account should be brought current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed some inquiries on my credit report from companies that I have no knowledge of. I completed a dispute with Equifax and a also requested verification and proof of these inquiries but received no verification nor proof but a letter stating the records are factual. How can that be? I only took them 2 days to verify they are factual but when I contacted the same companies they have no records of me nor did they find me in their computer system. So how did Equifax verify these inquiries. I called them XXXX/XXXX/16 and was told they do n't really investigate inquiries. I am totally confused if you do n't investigate how are they factual inquiries? And to add the same inquiries were added to my XXXX XXXX and XXXX reports I did the same investigation and the same inquiries were investigated and removed. I do n't get it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Credit card protection / Debt protection

Complaint: There were XXXX charges for {$590.00} from XXXX on my XXXX cc. I contacted the cc company and they told me they would take care of it. We canceled that Platinum card and I was issued a new Rewards card, but not a Platinum.The charges were reimbursed on my XXXX statement. I received a letter on XXXX XXXX saying the " were unable to accept my claim for the following reasons : 1-cust. benefited from use of card/participated in the purchases ; 2-Cust released acct info to third party and 3-cust. accepts responsibility for the charges. '' I called them that same day and asked for a re-investigation. A lady called me on XXXX XXXX and said they were not going to take care of the charges and the next day ( XXXX ) I recd my bill and there were the charges ( again ) {$590.00}. I DID NOT MAKE THESE CHARGES. I then contacted XXXX and because it was over XXXX days, they would not do anything about it. If I had KNOWN the cc company was going to deny my claim, I would have contacted XXXX. The cc company said " they would take care of it '' so I believed them and let them. Now I am stuck with {$590.00} in charges I did not make. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2015 about Consumer Loan (Installment loan) with Conn's, Inc. (AZ).
Issue: Problems when you are unable to pay

Complaint: I bought furniture from the Conn 's in my area in XX/XX/XXXX. Everything with the furniture was perfect the problem is with the company 's customer service skills and lack of empathy on their cardholders. I had a baby on XX/XX/XXXX and that caused me to be out of work for a couple months. I had half my income coming in and my husband was n't working at the time. I had bills to pay and Conn 's was XXXX of them. I called all my other creditors and they were able to help me in regards to my situation. Conn 's on the other hand, was very rude, and did n't want to help in any way shape or form. I tried my best to pay the bill but unfortunately fell behind on payments for about four months. They would call my cell phone number so many times a day I had to block all the phone numbers they called me from. This went on for months, even after I would answer and ask them to stop calling and to see if we could work out a solution because it did n't want to stop paying them. I did n't want to ruin my credit or get my furniture taken away. Since the collections agents did n't want to help I just decided not to answer anymore and just call customer service. I called numerous times, spoke to managers but they were as rude as the customer services agents. The loan was 12 months no interest, which expired in XX/XX/XXXX. I was n't aware that if I had a missed payment I would get all the interest charged on the account. Well back to my four months of not being able to make payments, I got hit with so much interest that i ended up paying more than the furniture was worth when I got my income taxes back. I called the company to see if they were able to help me with some of those charges because i was ready to pay them in full if they were willing to work with me on that. After struggling with an insensitive customer service rep I asked to speak to a supervisor. The supervisor said there was nothing she could do and that I had to pay the full balance. After arguing with her I decided to be the bigger person and just agree with her and pay the balance in full. I asked her to send me a letter of confirmation saying the balance was paid in full and to close my account. She sent me the letter and closed my account. I 've been receiving letters from the company still, after I asked my account to be closed, that I have some credit available to make purchases. It does n't make sense to me if I close an account i should n't have an open line of credit. I 've tried to call the company to stop sending me those things. They do n't answer their phones. there are no messages saying there are closed, it just rings for awhile then the call drops. This company is very unprofessional and rude. I do n't want anyone else to go through what I went through.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Medical debt) with NCB MANAGEMENT SERVICES INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was denied credit due to a collection account that appeared on my credit. I saw that it was NCB MANAGEMENT SERVICES. They never sent me a notification or anything they just put it on my credit. I sent them a dispute and a request for validation of the account. I never owed anyone XXXX They also re aged the account as well. This has been going on for 95 days and NCB refuse to answer me. They continue to report this inaccurate unverifiable information on my credit.

Company response to consumer: Closed with explanation