milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (MO).
Issue: Loan modification,collection,foreclosure

Complaint: Our house is in forclosure but it is on hold. We have been trying to work with our mortgage company since XX/XX/XXXX trying to get a loan modification. Our paper work has been lost, missed placed over looked, we have been told the wrong information and cant talk or do n't get calls back from anyone. Just since XX/XX/XXXX we have had XXXX modification turn downs because paper work was missed placed or over looked and we were told to disregard any letters we get because it was there fault and it will be resummited to under writing. This was wrong and a lie. All these delays have cost us time and money and possiably cost us our house.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The judgement on my report from Midland Funding LLC is not mine. This debt is my son 's. He has n't lived in my house since XXXX 1992. I 've never had this debt nor have never co-signed for or authorized this debt. 

I was never properly served. A young man rang our doorbell and when my wife opened the door, he threw the notice at her and ran to his car all the while she was telling him that he had the wrong person. He sped away screeching his tires. 

XXXX and XXXX removed the account after performing their investigations. Please help. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Debt collection (Payday loan) with Alliant Capital Management LLC (OH).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XX/XX/2015 I received a call to my mobile phone from a number I did n't know. I use this phone for business contacts so I called it back thinking it could be a client. It was answered by a man who identified himself as XXXX. The number is XXXX. I did not confirm that he was speaking to me. He gave out the last XXXX of my ssn, the amount of the debt, my former employer and other information. Again I did not confirm my information. He became aggressive and harassing. When I asked who he worked for he did not give a name at first and then said it so fast and quiet that I did not understand. He then began making threatening statements. I informed him that this was a line used for business and not to contact it again, he stated that he would continue to call. I disconnected the call at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: My Bank of America checking account was subjected to multiple overdraft charges. This seems to have been caused by the Bank applying the transactions in a manner that maximized the number of transactions subject to an overdraft fee. In addition, while the default display of transactions shows the " statement balance '', the bank maintains a separate " account balance '' that apparently can trigger fees even when the statement balance is showing a positive balance. This seems misleading at best and deceitful at worst.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2017 about Credit reporting () with Professional Debt Mediation, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XX/XX/XXXX I contacted Professional Debt Mediation, Inc to pay a debt originally owed to XXXX in XXXX, FL. The amount was for {$1000.00}, the company and I agreed to settle on the amount of {$800.00} with the promise that the debt would be paid off and this would be removed from my credit report within 60 days. Well it is 2 years later and I just got a hard copy of my credit report and what showed up? This debt! That was supposed to be taken off!!! I have attached the letter from the collector I received at the time. I also have the original e-mail and the bank statement that shows the {$800.00} dollars were withdrawing from my account. I have attached some documents for your review as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/XXXX, I sold a property at XXXX XXXX XXXX, XXXX, TX XXXX as a short sale. I had XXXX liens on the property. There were NO lines of credit on the property. On XX/XX/XXXX, the loans were transferred to Bank of America, which is when my nightmare began. This is my 3rd COMPLAINT with Bank of America for this same property. Bank of America harassed me over payment for the loans and a property which had been sold. Additionally, they are erroneously reporting the first lien account number # XXXX on my credit supplement as a close date of XX/XX/XXXX, which is COMPLETELY inaccurate. Additionally, they are reporting the loan as a line of credit, AGAIN MORE INACCURACIES from Bank of America. I honestly do not know what else to do. I am trying to purchase a home with a very tight window for closing, and Bank of America refuses to assist me. I have called numerous times and I simply get transferred around with no help. I need someone, ANYONE AT BANK OF AMERICA TO SEND A LETTER TO MY EMAIL ADDRESS STATING THAT THE PROPERTY WAS SETTLED AND CLOSED XX/XX/XXXX. I NEED THIS AS SOON AS POSSIBLE. I AM ATTACHING THE HUD-1 SHOWING THE PROPERTY WAS SOLD ON XX/XX/XXXX ALONG WITH THE SHORT SALE APPROVAL LETTERS FROM XXXX SHOWING RELEASE OF THE LIEN AND THE ACCEPTANCE OF {$170000.00}. THIS BANK IS SO UNETHICAL. BANK OF AMERICA TRANSFERRED THE LOAN TO XXXX AFTER THEY SENT ME A CANCELLATION OF DEBT. THEY SOLD IT TWO YEARS LATER. AGAIN, UNETHICAL PROCESSES OF BANK OF AMERICA CONTINUE. THERE IS NO ONE AT THE BANK WILLING TO HELP CORRECT THEIR MISTAKES. I COULD GO ON. THIS IS THE ONLY COMPANY I HAVE EVER ENCOUNTERED SUCH AGGREGIOUS PRACTICES. SURELY THESE PROCESSES ARE UNLAWFUL. I DO N'T KNOW WHAT ELSE TO DO. THIS BANK CONTINUES TO REPORT INACCURATE AND FALSE INFORMATION. CAN THE CFPB INVESTIGATE THE FRAUDULENT PRACTICES OF BANK OF AMERICA? I AM SURE THAT I AM NOT THE ONLY ONE WHO CONTINUES TO SUFFER AT THE HANDS OF THIS BANK. SOMEONE HAS TO STOP THIS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2016 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Credit line increase/decrease

Complaint: I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the referenced account numerous times from  XXXX   XXXX  to  XXXX   XXXX ,    2017 wit h the creditor. I still have yet to receive a positive resolution. On  XXXX   XXXX ,  2017, I r eceived another credit alert from  XXXX  reflecting the incorrect balance Capital One is reporting to  XXXX ,  XXXX , and  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account balance has not been updated by Trans Union since 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 10/20/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Unsolicited issuance of credit card

Complaint: Citibank Visa, in its partnership with Costco, opened a Citibank Visa account in my name, using information from a previous, closed Costco XXXX account. I did not request or authorize the new account, nor do I recall ever receiving a card. I certainly never activated or used it. This week, I received a first statement showing an overdue balance comprising the original membership fee, plus a late fee and interest accrued at an annual rate of about 24 %. I contacted Citibank Visa and, ever several escalations and arguments, obtained their agreement to close the account and erase the interest and penalties. I have also demanded that Costco refund the original {$100.00} membership fee to the closed visa account, to ensure a zero balance. 
My concerns are twofold : First, I am worried about possible adverse impact on my credit. Second, and more broadly, I suspect that Citi and Costco may be engaging in practices similar to those adopted by XXXX XXXX : opening unauthorized, unwanted accounts to generate spurious revenue from unsuspecting consumers. I hope you can determine whether this incident is an aberration, or part of an abusive pattern. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have disputed multiple times a collection account listed on my credit report that was XXXX in a bankruptcy. The collection agency NCC Business Services is still reporting that I owe a balance on my credit report.

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 12-11-2015 about Credit reporting () with Experian Information Solutions Inc. (OR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian : - i got turned down for a loan due to low credit score - got free credit report ( annual from all XXXX agencies - noticed a lien on all three - I was able to remove it on all but experian ; I tried to upload proof of the error - I canceled check that had the case number and all the relevant ( both sides of the check ) info that was generated by my bank, the upload kept failing due to the wrong file format ( even though the file format was correct as i am a XXXX ) then I mailed a copy of the proof along with copies of my drivers license, SS card and a utility bill to experian on XXXX XXXX 2015 and I have not heard back, in the meantime my fico score has dropped XXXX-XXXX points and I have been denied a loan. 
I am about to send them another letter via certified first class mail in hopes to get them to investigate the issue, ( which they have not done ) - I have attached the proof of payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: After having a substantial relationship with  Suntrust Ba nk, I got a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship My account was closed after a payment was made by mistake and should have been reversed.   XXXX   XXXX   bill went through and should have been sent back but bank closed and paid transfer and then held account.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do 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 03-04-2016 about Debt collection (I do not know) with Collection Technology Incorporated (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I work for free - XXXX. CTi contacted this XXXX XXXX that I XXXX for with an Employment Verification FAX. Using a fake name. XXXX XXXX. The XXXX sent me the form and I have all the info on them. They could have tarnished my name, my daughter 's well being ( XXXX. ) Please tell me this is wrong?! 


Collection Technology Inc C T I XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Contract Dispute Law Firm Solutions To Your Dispute Needs. Call To Learn About Your Options. 

XXXX Collection Technology Inc A privately held company in XXXX XXXX, CA. Is this your business? Claim This Profile More Details for Collection Technology Inc Categorized under Adjustment and Collection Services. Our records show it was established in 1960 and incorporated in California. Current estimates show this company has an annual revenue of XXXX and employs a staff of approximately XXXX. 

Company Contacts XXXX XXXX XXXX Chief Executive Officer

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been submitting documents to the bank and they keep adding to the required list but not allowing more time to complete the documents list and pass audit. They gave me time to submit documents, but every time I call the need additional documents. There is a foreclosure sale date of XXXX and they keep adding to the list of documents, letters of explanation while my short sale seller documents and hardship have been validated previously. I feel they are fast tracking me to foreclosure. When I call they tell me that even though I am being review for foreclosure alternatives, they will continue with the foreclosure sale date. I consider this dual tracking and extremely unfair business practices and in violation of CFBP rules. Is there some way to ecourage them to continue with the short sale offer review. They have been sitting on the offer since, XXXX, almost a month. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Money transfer, virtual currency, or money service (International money transfer) with CITIBANK, N.A. ().
Issue: Money was not available when promised

Complaint: Hello. 
On XX/XX/2017, I did Global Transfer at citibank from the U.S. to the XXXX XXXX and I closed my account. Transfer amount was USD XXXX. 
However, it did n't work and monthly service fee keeps being charged. 
I tried to contact with citibank, but they did n't respond phone call. Because I am outside of the U.S., the phone call is only way to contact with citibank. 
I do n't understand why the global transfer did n't work and monthly fee was charged even if I got receipt. 
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 monetary relief
Consumer complaint received 09-01-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do not know the source of information due to this but the contract for the collection that was place from NATIONAL CREDIT SYSTEMS, INC ( XXXX XXXX XXXX ) Acct # XXXX. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: On the XX/XX/XXXX. I 've made a deposit over 1000via SEPA to Coinbase 's bank. It stated that my money will be available after 3 business days, but even today I have n't received my money. 

I 've contacted the support multiple times, but never got a really helpful reply. Except " wait for a specialist ''. After browsing through multiple communities online, I 've seen that there are many more, having the same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with General Credit Service Inc. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, a minor child damaged a gas line that was incorrectly installed on a property that I was renting. The utility company repaired the line. The utility company demanded that I pay for repairs. I refused because the gas line was incorrectly installed and because I did not damage the line. The utility company referred their alleged tort to a collection agency. The collection agency sued me in small claims court. The court dismissed the case because in Oregon a plaintiff must sue the responsible party ( the minor ) and then add the parent as a defendant if the child 's actions were " intentional '' or " willfully negligent '' ( ORE 30.765 ( 3 ) ). 

On XX/XX/XXXX, the judge ruled in my favor, dismissed the case on the grounds that the collection agency failed to name the child as a defendant, and instructed the collection agency to pay my court costs. As of today, the collection company still has not paid the court costs. Instead, the collection agency falsely reported the alleged tort as an unpaid debt to the consumer credit reporting agencies. My credit score dropped. My interest rates went up. I have been unable to purchase a home or to get a business loan as a result. 

I consulted several lawyers who all confirmed that an alleged tort does not qualify as a " claim '' under Oregon law ( ORS 697.005 ) and that collection agencies can not solicit a claim for any amount that does not meet that definition. 

In a XX/XX/XXXX letter to me, the utility company 's claims manager acknowledged that the matter is not a " claim '' but rather a tort and and defined a tort as " a wrongful act, not including a breach of a contract or trust, that results in injury to another 's person, property, reputation, or the like .... '' in his letter. 

Through much correspondence, I warned the collection agency and its lawyer that the Fair Credit Reporting Act 's Section 1681o grants actual damages, lawyer 's fees, court costs, and punitive damages to consumers when a collection agency willfully reports false information. 

Still, they continue to report the item as an uncollected debt. 

I have requested that XXXX, XXXX, and XXXX remove the item from my credit report three times, most recently today.

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 12/13/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I had an account with CoinBase for about 1 month. Where I brought about XXXX dollars with of Bitcoin and LiteCoin from CoinBase. When I was exploring the app, last week, I came across a feature that said verify identity, when I clicked on it and tested it, I got locked out of the account and my account was closed. 

They soon sent me an email saying my account was closed and that I had to move my founds off CoinBase, I was able to talk to a friend and move my money out. 

I have since missed several opportunities to buy more bitcoin and litecoin and this has caused me much stress. 

I have attempted to call their phone number several times to no avail. 
I have written to them on XXXX, XXXX and on their support website to no avail, not even someone letting me know that they are fixing the issue. 

This is not acceptable, especially from a financial institution where people are dealing with money and in this case large amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (HI).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Please reference complaint number XXXX When asked how this could be resolved I left out that I need to make sure my credit is restored and does not show late payments that they accused me of since they had lost my check.

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