milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-05-2018 about Debt collection (I do not know) with Weinberg Mediation Group LLC (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Left a VM. My husband called them back. They never disclosed that they were a debt collector but rather asked my husband to verify the last 4 of my social or DOB. He gave them my DOB. Gentleman went on to say that a complaint was filed with the XXXX court ( there's no complaint at the XXXX court ) and that this could be resolved quickly over the phone or they'd take further collection action ... implying filing a law suit. He claimed that I owed a debt to XXXX XXXX XXXX XXXXXXXX for a line of credit. I haven't had a line of credit for over 10 years anywhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: Hi my name is XXXX XXXX user in coinbase/XXXX XXXX XXXX, my email address at coinbase is XXXX On XX/XX/XXXX I made a domestic transfer for XXXX $ from my commercial account named XXXX XXXX XXXX from XXXX XXXX, and I forgot put the Recipient Instructions/Message XXXX here are the payment details Username : XXXX Entered on : XX/XX/XXXX XXXX XXXX Company : XXXX XXXX XXXX  User Name : XXXX XXXX Approved 1 on : XX/XX/XXXX XXXX XXXX  BankReceived on :XX/XX/XXXX XXXX XXXX First Confirmation Number : XXXX Entry Method : Freeform   Status : Bank Received Account Type : ABA Bank Code Look-up Bank Code : XXXX Bank Name : XXXX   XXXX XXXX Beneficiary Bank Address 1 : XXXX XXXX XXXX XXXX Beneficiary Bank Address 3 : XXXX XXXX XXXX State : NY Account Number : XXXX Payment Total XXXX USD to 1 Beneficiary on XX/XX/XXXX I've sent several e-mails. they keep giving me an automatic response. they haven't tried to contact me. I need my money back or id like to have the funds on my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was told that What they had was accurate when i never made thise inquiries and the false address wad never removed. I have never been to Arizona so I know I should n't have an address there. The numerous inquiries made by multiple agencies wo n't be removed. Also late fees for things that are inaccurate.

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 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax has added a 90 days  Fraud Alert i n my credit report stating that was requested by consumer.   I HAVE NOT REQUESTED A FRAUD ALERT TO BE ADDED ON MY REPORT.     Please  REMOVE Fraud Alert i mmediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (GA).
Issue: Trouble during payment process

Complaint: Our loan servicing was moved from XXXX XXXX XXXX XXXX to LoanCare LLC, effective XXXX XXXX. Our on-time payment to XXXX XXXX  XXXX for the XXXX of XXXX, was not posted by LoanCare until XXXX, causing us to pay an additional 12 days of interest. Since that time, all payment made have been electronically transmitted through XXXX XXXX Bill Pay to this company - and all of them have been received by LoanCare prior to the due date, but posted a few days into the month - every single month. We have three other mortgage companies - all paid electronically through the same process, and all of the others post on time. We never had this problem with the prior servicer, XXXX XXXX XXXX. Here is what we have been dealing with : Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX This means that not only are they in receipt of the ACH remittance from XXXX XXXX early or on time - but that all of the other Regions customers that are included in this remittance are also in the same boat. They are not posting our payments timely and are charging us interest for additional days when it is not due to them. Please advise. 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 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/15 I paid a debt owed to a collection agency in full. In writing I received notice that they would not report to a credit reporting agency. However as of this date, they continue to report the account and refuse to remove it even though I have pointed out in their own writing that they agreed not report to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (DC).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is in conjunction with a complaint filed XXXX XXXX, XXXX ( Acct # XXXX. That complaint was against the servicer XXXX XXXX XXXX XXXX ( XXXX ). After providing supportive evidence of my complaint to XXXX ombudsman office, XXXX XXXX and their attorney it has become evident they intend to do nothing about the mistakes in accounting on my loan. Prior to XXXX being the servicer JP Morgan Chase under the brand name of EMC Mortgage Corporation was the servicer and prior to Chase it was EMC. My complaint involves errors in accounting at the time when JP Morgan Chase purchased XXXX XXXX which was owner of my account. More specifically in XX/XX/XXXX. As a result of these errors which include a notice of foreclosure based on information that I was behind in my mortgage payments. After presenting evidence to XXXX from my bank statements and from the payment history supplied by Chase it became evident that gross errors were made. As a result of these errors I signed a repayment contract and later on asked for and received a modification which allowed the money allegedly owed on the foreclosure to be added to my principle. This was all done by EMC/Chase who was acting as servicer. As a result of these circuitous dealings XXXX has been charging interest on an erroneous principle. 
Since SPS is doing nothing to correct this situation I am filing a complaint against JP Morgan Chase where the problem originated. However, XXXX has perpetuated in issue. I am now in foreclosure. I have a seller for the property. I need the amount owed to reflect correct accounting. Aside from the mistakes mentioned above there was also under reporting of mortgage interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I started at XXXX XXXX in 2008. I was told that all of my classes would be in the class room. Unfortunately, XXXX XXXX went to an online format for my remaining XXXX credits. They also told me that they would accommodate my XXXX and my work schedule. My XXXX is XXXX XXXX. While I was trying to fix the problem with XXXX XXXX  and their refusal change from online classes to in-class instruction, I was not given any more funds and had to start paying my loans. At the time, I asked for the loans to income based. Navient put me into forbearance at least 7 times that increased the interest. My loans are costing me {$72000.00}. I would like to consolidate my loans ( I have three ). Navient has told me that I can not consolidate. I need help with this situation. I am paying for loans and have no degree. Any help that you can provide would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX all should n't be reported to my account I told them who I was staying with put me out and use my identity to try to obtain Credit in my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Called and spoke to a representative on XXXX/XXXX/XXXX and expressed how I was a victim of XXXX XXXX. I inquired about a goodwill credit that they were offering and I qualified for {$100.00} that would not be required to be paid back. The representative also said that he would refund some of my interest charges as well which would take XXXX hours to reflect on my account, but the goodwill credit would show up within an hour. I am always aware of my available balance and once both credits hit my account my available balance brought my account balance to {$360.00} which included my payment I had just previously made. My limit is {$500.00}. Today I check my account to see that my balance was {$570.00} which would put me over the limit. I was told by a representative that I continued to use my card after the available balance was gone which is false. I charges go through immediately and my available balance is updated immediately after my card is used. There is no way that any charged could have gone through after that available balance was at XXXX it would have automatically denied. All of those transactions were done in person and would have declined. I have closed my credit card account effective today due to the customer service reps including a supervisor that basically told me they could do nothing about what I was told by a previous representative or what took place on my account. This is very frustrating and was the last thing I wanted to worry about after a disaster such as XXXX XXXX. I am also considering closing my bank account with Capital One due to this error. I have been a customer of Capital One for a while and am very disappointed that I am even having to make a complaint. But no one wants to take responsibility for this mistake on their part.

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. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I did not apply for any new credit or a cell phone account and have a new HARD INQUIRY from XXXX XXXX XXXX on my Equifax report. Please investigate. Thank you SO much!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried several times to modify my home loan with my mortgage servicer, Residential Credit Solutions. Much to my dismay, but not surprise, they have denied me. In my first attempt years ago I fully understood why ; their calculations, ability to find and / or put me into the right modification program. However on this recent last round my income increased making it possible to receive a modification and yet I was still denied. Upon my internet research I discovered that they have been fined through CFPB, and others have stated that this mortgage servicer uses bad practices and never gives modifications. I also discovered that they are a type of home loan warehouse. This is meaning they collect loans ( homes ) and try to possess them in order to sell them off for their profitable benefit. For them extending a modification to struggling homeowners is not in their interest. They take months upon months to complete the process. I was originally told they would take anywhere from 45-60 days. It took 6 months ... and I used a housing counselor. 

Is there anyone controlling and checking their behavior and / or true ability to help homeowners receive an affordable payment? Knowing they they have a huge history in dissatisfied customers and complaints what can be done? 

If anyone else has similar experiences with Residential Credit Solutions ( RCS ) please write in and share your story, but most of all file a complaint. They are run by execs who have in their previous employment been fined, brought up on charges, and convicted of bad practices. This is an awful company!

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: My dad is a credit card/identify theft victim. He fell for a scam in XX/XX/XXXX and again in XX/XX/XXXX that have wiped his savings and created major debt. First, in XX/XX/XXXX it was a telephone call saying that he was late on paying a bill and needed to pay immediately, so he provided a credit card number with his personal information. That created a ridiculous amount of charges, which he was unaware of. He is in his XXXX 's with some XXXX caring for my mom who was very ill. Then in XXXX XXXX he received a phone call, letting him know that he had won the big prize of Publisher 's Clearance but that he needed to follow very strict instructions. So he did. The result : Someone opened via internet a Citibank credit card in XX/XX/XXXX and charged {$10000.00}. In addition, they charged over {$12000.00} on his XXXX XXXX XXXX card and another {$10000.00} at another institution. Both Citibank and XXXX XXXX XXXX refuse to accept the fact that he did not make any of the purchases and have released the case to Collection agencies to recover the funds. I 've documented all the transactions and we can not believe that after all the documentation, either institution have not properly looked into the case. What we get is letters telling us " You opened the account via internet in Citibank and this is your responsibility ''. My dad does not own a computer nor did he have internet service. We 've written to Citibank several times and get the same response, " you opened it, it is your responsibility ''. The crooks were brilliant in how they managed everything. They opened the Citibank account and deposited the money in his checking/savings account at XXXX XXXX XXXX, then proceeded to make telephone transfers. They completed wiped all this checking and savings. My mom died on XXXX XXXX, XXXX and her memorial was XXXX XXXX. Because of his XXXX situation, and my mom 's death - I took over my parents ' finances in XX/XX/XXXX. I have spent considerable time understanding what had transpired, documenting much of the transaction. Both banks ( XXXX XXXX XXXX and Citibank ) have been unsympathetic. We spent considerable time at the local XXXX bank and ultimately chose to close his account after my dad 's account was cleaned out. I 'm at wit 's end on what to do. I 've over communicated with both institution. My parents, who have had wonderful credit scores in the past and now my dad, are now considering bankruptcy as a solution, which for us is a last resort. I am disgusted by the arrogance and disrespect conveyed by both banks.

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 12/22/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Trouble during payment process

Complaint: I have used the paper payment coupon for my mortgage. 
I have indicated on the " additional Principal '' line the amount that should be applied. 
I have also indicated the XXXX XXXX XXXX payment amount and additional principal amount on the memo line of the check. 
Each check is for full XXXX XXXX XXXX plus extra Principal. {$1200.00} XXXX XXXX XXXX plus {$30.00} = {$1300.00} Prepayment of principal occurred XXXX XXXX XXXX Check XXXX XXXX, XXXX ( Check XXXX XXXX and XXXX XXXX XXXX Check XXXX XXXX. 
XXXX XXXX statement reflect the XXXX months of prepaid principal ( XXXX x XXXX = XXXX ), as unapplied partial payment, so instead of the required {$1200.00} XXXX XXXX XXXX  payment, it 's {$1100.00}. 
I would increase the prepay principal amount, if it was properly account for. 
Why are they not letting me prepay my mortgage monthly?

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Advertising and marketing

Complaint: I applied for a Chase Sapphire Reserve credit card on-line from their official web site and my credit card application was denied because of a XXXX rule ( I applied for more than XXXX credit cards in the last 24 months ), which was not clearly written in the application page.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The debt collection company, Diversified, ( XXXX XXXX is the latest person ), repeatedly calls. Their # is XXXX. I have spoken to them at least 10 times. I have indicated that I owe NOTHING and have asked them to stop calling. My position is that I am willing to defend myself in a court of law, therefore I have told them to sue me or take me to court. They simply reply that they will call again at a later date. I have told them that they are harassing me and some just laugh. The calls do n't stop. Please help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: Item 1 ) First, The reason I am filing a Complaint against this Payday Loan Company is for several reasons. The first is that there are laws in the state of Illinois that preclude and exclude allowing interest rates greater than 35 %. The interest rates on this loan is very high and some are well above 600 % to 1800 % regarding this loan. And, this should not be allowed by law. 
Secondly, the rates are staggering and they never check to see if I could afford these loans as there are rules stating that a purchaser should not pay on more than XXXX outstanding payday loans at any one time. And, I have been paying on a total of ( XXXX ) Payday loans for well over 9 months in succession with much difficulty. 
Thirdly, I not only continue to pay these loans with exorbitant rates and fees. But, the huge charges were destroying our ability to live after deducting well over 90 % of my take home income for well over 3 months and I have not paid my mortgage since XX/XX/XXXX and XX/XX/XXXX for both the first and second mortgages and I am in jeopardy of foreclosure as of this date, XX/XX/XXXX. 
Lastly, several Companies did not tell me of their extremely high rates they were and some also withdrew from my bank account even though I asked them to STOP future via EFT Revocation Letters. A Couple withdrew funds directly from my account even after it was Bank closed causing me to incur heavy bank fees per day of even {$50.00} or {$60.00} at certain intervals. This was a very stressful time during months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX causing us to be fragmented and close to homeless situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (NE).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive on average 3 phone calls a day. I have repeatedly asked them to stop calling, and even to communicate via email. They 've insisted that they can not communicate via email and that they will continue to call. From XXXX XXXX I recieved 63 phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I looked at hard enquiries. I have no idea who these companies are checking my credit. I bought s car from XXXX XXXX last year. I see a recent inquiry. Also I do n't know who this Cb something that shows repeatedly checking. I want them removed. The last legitimate inquiry I ask for was a XXXX XXXX be reinstated. Everything outside of that I need deleted. 
Also, I volunteer the accounts that were closed. I paid in full and asked the company to please Cluse my accounts. On every one closed it says closed by the creditors. That is not so. Lastly, it shows late pays. I went through one rough patch in 2013. I have had on time pay for everything since. 
I appreciate your help in making all the adjustment. 
I have been working hard for years to correct many wrongs in my life. 
Kindest regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Credit card protection / Debt protection

Complaint: One Main Financial keeps attempting illegal phone calls to me after I have requested for them to stop. I sent them a letter, here it is attached and they are flagrantly disreguarding federal laws in their attempts and they need to be fined in accordance with the do not call policy. Consumers need help against banks like this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Loan modification,collection,foreclosure

Complaint: Countrywide sold my loan. They changed it to a fixed loan since I told them I was promised at closing plus I could n't afford ARM. XXXX Bank of America but they kept me on ARM. XXXX shows that after XX/XX/XXXX sale to BOA they were to reach out to customers to issues checks and be required to offer a loan modification. I was never notified. I had to file for bankruptcy and once it was closed last month, they sold my loan. This SHOULD HAVE BEEN MODIFIED per agreement with attorney generals complaints. XXXX XXXX XXXX MN XXXX

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