milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2015 about Mortgage (Other mortgage) with PROVIDENT FUNDING ASSOCIATES (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/15 at XXXX I submitted a payment via the Provident Funding App on my smart phone. This payment is for the XXXX 2015 payment. I applied for credit and was told on XXXX/XXXX/15 that my credit score had significantly dropped and I would be receiving a higher interest rate because of it. On XXXX/XXXX/15, I obtained a copy of my credit report and was shocked to find Provident Funding had reported my loan 30 days delinquent based on the day the company chose to process the payment which was XXXX/XXXX/15. I explained to each of them that I 've processed many payments on the XXXX day of the month in addition have processed payments on a Saturday and have never received a negative mark on my credit until now. I was also told I would have had to process the payment on XXXX/XXXX/15 to avoid a negative mark on my credit because the XXXX is the last business day of the month for reporting in addition they are n't open on Saturday to process my payment. I was told they have to report accurately and per the FCRA guidelines and ensured me this was correct. I was told i can not receive " special attention '' and further explained the day i processed the payment did not matter, what mattered was the day they got my money. I repeatedly asked how I could receive a 30 day late when there are only 28 days in the month and I paid within the current month. I explained my understanding is i have 30 days from the due date and the representative told me that is no actual date to when they can negatively report on my credit and assured me provident is compliant with the FCRA guidelines. I wanted an explanation as to why internal business practices negatively impacts the consumer all because 1. It 's a short month 2. They are n't open on weekends 3. The last day of the month it reports to the Credit Bureau 4. I was told on the website it would n't be processed until XXXX/XXXX/15. The disclosure is vague and fails to state what the effective date is. The payment was made on a Provident provided website and they confirmed through the paperwork I submitted and their internal records it was received on XXXX/XXXX/15 at XXXX. This is negatively impacting my husband and I while in the process of obtaining credit. I have disputed this with the credit bureau agencies and provident funding has responded by saying the information is accurately reporting. I think this is unfair and deceptive to the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (WI).
Issue: Application, originator, mortgage broker

Complaint: I applied for a mortgage with VeteransUnited XX/XX/XXXX. I provided them with all pertinent information regarding employment etc. They advised me that I was approved for a mortgage loan and provided me with a pre-approval letter. I then found a home and made an offer. During this process I kept in contact with the lender to ensure that there were not going to be any unforseen hurdles. I was continually assured that there were none and that everything was on track. The lender ordered the title work for the property and I had an inspection done on the home. We were set to close XX/XX/XXXX and I had locked the interest rate for the loan. One week prior to close, I received a letter from the lender stating that they were unable to approve my application at this time. Upon contacting VeteransUnited, I was informed that because I did not have 12 continuous months of employment that I did not qualify for a VA loan. I explained to them that the layoff was seasonal and occured every year and that I had contacted the VA who advised that a seasonal layoff is irrelevant regarding obtaining a VA guaranteed loan. I told them that I had paid for the home inspection and had expended a lot of time and energy, not to mention money in faxing them documents and the inspection fee, to which their response was that maybe XX/XX/XXXX of XX/XX/XXXX. However, with another seasonal layoff with that employer inevitable, it is hard to imagine how they would overlook the continuous 12 month employment issue. It was also pointed out that there are several statements on their website regarding employment which boiled down to that all they require is income to satisfy the mortgage payment and normal living expenses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-01-2015 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Settlement process and costs

Complaint: I have signed a GFE for 3.75 interest rate and now I 'm being told it 's 4.515. I have tried to contact the agent and his manager repeatedly with no success. I was told I would get a refund for the appraisal and termite inspection and that has n't happened yet and It 's been about a month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/25/2016 about Debt collection (Medical) with Pro Com Services of Illinois, Inc. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In annual credit report a Pro Com Services of Illinois appears in XXXX XXXX XXXX XXXX entries and representing XXXX XXXX. The entries are small ( - {$100.00} ). After contacting my healthcare providers there are no outstanding balances and zero balance due. In communicating with the XXXX XXXX, they have no knowledge of Pro Com of Illinois representing them in the collection of outstanding debt. 
In addition, I have received no communication of any kind from Pro Com. It appears these entries are invalid, fraudulent attempts to collect monies not due them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Some time ago Navient has stopped processing my payments. I have not received any communications to this except now a few years later I have 19 late payment notices on my account. I only learned of this since i have applied for a mortgage as I have been relocated for work. I had previously agreed to a reduced interest rate repayment plan. This was supposed to be automatic and to my understanding was setup to reoccur every month. This is greatly affecting my XXXX XXXX and my ability to secure a new house with my job transfer. This is also time sensitive the house i am selling closes in 3 weeks and will be left with no option but to attempt to rent for my family.

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

Complaint: You have reported incorrect my personal 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 non-monetary relief
Consumer complaint received 07/27/2017 about Debt collection (Payday loan debt) with KAHRS LAW OFFICES, PA (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The complaint I have is about Kahrs Law Offices P.A. located in XXXX, Ks. They were handling the debt that my wife owed to a payday loan company. We were served by a sheriff and given paperwork for a court date but could pay the amount of XXXX before then and not go to court. I continuously tried to contact the office to pay off the debt and left all the information that they stated on their answering machine to have them call me back. No one ever answers the phone or bothers to call me back. The day of court my wife could not make it and still no one had called me back. Their office opened at XXXX XXXX so i tried as soon as they opened to contact them. It was at this time that a the woman who 's office it was finally answered the phone, i stated that it was my wife 's account and all I wanted to do was pay the debt of {$600.00} to pay it off. She then told me she could not talk to me, because i was not on the account. I told her my wife was at work and being that she works for a XXXX XXXX it would be hard for her to get time to call her to pay it or put me on the account, and that the time for us to be in court was at XXXX XXXX so i just wanted to pay it to insure that we did not accumulate any other fees. She again informed that she could not talk to me because i was not on the account. So after getting off the phone with her I tried to get ahold of my wife at work and to try and have her give the lady a call for fix it. By that time it was a little past XXXX XXXX when my wife finally got the chance to call her. My wife did not have a lot of time so she put me on the account so i could pay it. When i called back to pay the debt that lady informed me that since it was now after XXXX XXXX that we would now owe them XXXX XXXX dollars. So i paid the XXXX dollars while one the phone with them. After about a month we received paperwork saying my wife 's check would be garnished for the remainder. As check after check was garnished i immediately noticing that more than 400 dollars had been garnished. So I called back to Kahrs Law Offices to see what had happened. After yet again continuously calling getting nothing but answering machines, i finally got ahold of someone. I was then told by this lady that the amount that we owed after missing court was not XXXX XXXX dollars in fact it was XXXX. I asked her why the other lady told me it was XXXX XXXX and she was rude and said I could not tell you why the other lady told you that you only owed XXXX XXXX dollars.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Payoff process

Complaint: My bank sent a payoff to my credit card company ( with Home Depot ) on XX/XX/XXXX to an address that the credit card company provided to them. The credit card company cashed the check and it cleared on XX/XX/2016. The check was sent with a letter to payoff and close the account specified on the letter and the check. As of today it has not posted to my credit card and the account is still open. Home Depot can not locate where the payment was applied and has basically refused to work with me or my bank. Copies of the cleared check ( front and back ) has been faxed to them multiple times and they can never locate the fax. Every time I call Home Depot it is a different person I talk to. No notes are ever made from previous calls so I can be certain that no-one there has attempted to address the situation which started early XXXX. I received a call from the collections department today stating that my account is past due and there are late fees and interest that have been applied. The story was explained again and she was unwilling to help in researching where the payoff check went.

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 12/15/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Dear CFPB, Recently, my mortgage company increased my monthly payment by over XXXX dollars claiming a shortage in escrow funds based on their error in making double payments of my home insurance coverage and an increase in property tax 's. 
A ) On the home insurance claim, They have not been able to produce financial transaction data in order to show the " double payment '', and neither XXXX XXXX nor XXXX XXXX shows any double payment from them in their records. 
B ) My Annual property tax 's have not increased in 2 years and I shared these documents with them to verify. 
Included in the mortgage monthly increase is what they call a safe " pad '' which they have established in order to over-fund the escrow account, which apparently can be any number they wish. 
This is poor management of an escrow account at best, they have provided no evidence or justifications for this increase, and have " reminded '' me that if I do n't pay the new total my credit will be impacted and late fee 's will be added, which is basically extortion. 
Is this even legal? 
Are they trying to make me default on my obligations for some reason?

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit card () with CITIBANK, N.A. (CO).
Issue: Rewards

Complaint: Citi closed my credit card account without warning. Customer service said they could not tell me why my account was closed and I had to write directly to Citi Bank. I wrote Citi Bank asking for an explanation and for them to reinstate my account. They responded via mail quickly, but the said they would not reconsider their decision but still would not offer an explanation for why my account was closed. As of the final billing cycle, I had accrued {$150.00} in cash back rewards and Citi deems these points to be forfeited due to the status of the account. If I had been warned of a shutdown, but did not heed the warning, then I could understand the forfeiture. However have my account was always in good standing and involuntarily closed by Citi without warning and my earned rewards involuntarily forfeited without explanation. This is not acceptable. Citi earns money per each transaction and promises rewards on these transactions to their consumers. If I had known I would not receive rewards for these transactions I would have taken my business to a competitor instead. Citi may have chose to cut ties with me, which is their right, but to not pay the accrued rewards I earned is extra revenue to Citi, directly at my expense. I sincerely ask Citi to pay the rewards due to me and to reconsider my business.

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 07/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice from EOS CCA in XX/XX/XXXX to XX/XX/XXXX claiming I owed a debt to XXXX XXXX XXXX for {$150.00}. The debt was reported to XXXX and XXXX. I disputed this debt through XXXX and XXXX claiming the debt was not mine around the same time I received the notice of an attempt to collect a debt. I have never received services from XXXX or XXXX at any point. EOS CCA did n't respond the inquiry and as a result XXXX removed the debt. That was around XXXX XXXX to XXXX XXXX. I thought this was resolved. Now, fast forward to XXXX XXXX and I am receiving a notice of collection placement from EOS CCA again stating they are attempting to collect a debt for {$150.00}, which is the same debt I successfully disputed and had removed from my credit reports. I need help with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Checking or savings account (Other banking product or service) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: Received an invitation in the mail ( XXXX/XXXX/2017 ) from my bank saying ( in very large letters ) : " You ; re Invited ''. " Upgrading your account to " Preferred '' is " easy '' and your account number will not change.
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Shortly afterwards on the same day, I telephoned my bank branch ( Fifth Third ) as instructed by the notice. The bank informed I did n't qualify and needed about {$30000.00} more in my account.
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I find this extremely misleading, evasive and extremely poor business practices. You do n't invite someone and then turn them down, it 's that simple. The bank was also not truthful when they claimed the process was " easy '' ... ..far from that!!!
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After examining the flyer further, I did notice the fine print on the back. However, It should have stated on the front that certain conditions had to be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Problems caused by my funds being low

Complaint: Approximately 1 year ag o Citibank sold  me on taking their   XXXX  progr am which apparently gave me some extra services with a financiaal institution I 've been doing business with for 40 years. The requirement for keeping    XXXX   status was to maintain accounts with  a   XXXX   amount of {$50.00}, which I have done. Today I received a message fro m Citi that the cumlative amount now required has changed to {$20000.00}. It 's not so much that I trasure their gold program, It 's more that I think I 've been taken by very bad custome practices by Citi

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 02-12-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: On XX/XX/2017, I took my car to ( XXXX ) XXXX XXXX XXXX to service my car for family vacation. The repair was not done correctly and my family and I was stranded 11 hours away from home. I paid another repair shop where we were stranded to address the botched repair and filed a claim with my bank, ( BOA ) Bank of America, to get my funds back from the original repair shop. I sent the original documents pertaining to the repairS to Bank of America for their review of my claim via express mail with tracking. After repeated phone calls for over a month to follow the status of my claim, BOA claims they never received the documents from me and that they needed to be resubmitted for consideration. I then faxed the documents over and tracked my original documents, only to find out that they were received and lost by BOA. BOA then sided with XXXX and retrieved the credited funds from my account, placing it in the negative. BOA stated that I could not appeal because I was out of time and that I would have to resolve the financial matter on my own with XXXX. BOA would not allow me to close any of my accounts and they have taken approximately {$3800.00} from my accounts to recoup fees and the negative balance. BOA stated that if I could prove XXXX 's negligence via financial compensation, they would waive all fees and credit my account with the {$3800.00}. I retained a lawyer to deal with XXXX and they reimbursed me for the botched repair at the end of XX/XX/XXXX. I sent the letter attached with the check to BOA AND deposited the check in my BOA account as proof of XXXX 's negligence and BOA refuses to credit my funds to my accounts. I WANT MY MONEY!!!

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 07-10-2017 about Debt collection (I do not know) with Midwest Recovery Systems (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I have tried several times to have Midwest Recovery Systems located at XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX to send me a complete verification of debt. onto this date I have not receive any documentation from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: Macy 's is erroneously reporting a negative payment history for XX/XX/XXXX to my XXXX credit report for a credit card that was settled XX/XX/XXXX. The account balance is correctly reported as XXXX and the payment status is correctly reporting as " Settled, '' however the erroneous reporting of a recent negative payment history has a significant and negative impact on my credit scores. XXXX and XXXX correctly report an " OK '' payment history for this same time period, so although it is possible that the fault lies with XXXX, Macy 's has ultimate responsibility for the accurate reporting of this account.

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 11/21/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was originally serviced by XXXX as a construction mortgage. Since then my mortgage was purchased numerous times and the current mortgage holder is Wells Fargo. I believe at this point that Wells Fargo is fraudulently foreclosing on my property. They do not provide me written documentation but claim that they will be removing me from my home on XX/XX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, XXXX I wired {$21000.00} to Coinbase , Inc . The wire was sent from my credit union, XXXX XXXX of XXXX, to Coinbase 's bank, XXXX XXXX Bank. I spoke with XXXX XXXX Bank and they confirmed that they received the wire on XXXX XXXX, and forwarded it to Coinbase the same day. Coinbase has not credited the money to my account, and has not responded to my multiple attempts to contact them to get this issue resolved. I now believe that they are acting criminally. How can a company legally hold my money for 17 days without providing the promised services? How can they get away with having absolutely no way to contact them by phone? I have sent at least XXXX emails, opened XXXX support tickets, left them voicemails, attempted to contact them on XXXX, XXXX, and XXXX and filed a complaint with the XXXX XXXX XXXX. This company needs to be shut down, they are either thieves, or lack the competence necessary to run any sort of financial company. I have suffered financial harm because Coinbase has effectively stolen my money. I will be filling criminal complaints with every agency with jurisdiction to ensure that this criminal enterprise can not harm others in the way that they have harmed me.

Company response to consumer: Closed with explanation