milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2017 about Mortgage (VA mortgage) with LoanCare, LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is with Loancare, XXXX, VA. I made my payment using XXXX 's Auto Bill Pay, so it was an electronic funds transfer and XXXX has verified that Loancare received my payment before the deadline of the grace period. But Loancare sat on my payment for 2 days before they posted it and they are now trying to charge me a late fee. 
So I called Loancare about the delinquent notice they sent because it was dated the day after XXXX 's proof of payment date. I had to verify my identity on Loancare 's automated attendant/phone system, and it retrieved my payment information stating that my payment was processed on the XXXX, which is the last day of the grace period so I should n't have received a late fee at all but the delinquent notice is dated the XXXX. So I transferred to a customer support person who told me my payment was processed on the XXXX. They ca n't even get their dates straight ; the delinquent notice, automated phone system, and customer support all have different dates. I asked to speak with a manager and they refused saying I 'd need to submit my complaint in writing. So they do n't even want to work with me on this issue - they are the worst!

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i Sent a ceritfied letter with return receipt several times for the last 3 months, but the unauthorized inquiry still remain and account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Making/receiving payments, sending money

Complaint: Was charged a {$50.00} return item fee by BB & T on a loan payment that is {$100.00} per month. I did make the error as I tried to make an electronic funds transfer however I incorrectly entered my account t number. There was plenty of money in the account and I a, 3 months paid in advance. It seems ludicrous that the bank can charge a fee at almost XXXX % of the payment and get away with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Customer service / Customer relations

Complaint: I returned XXXX appliances to Sears after XXXX became unavailable after purchase. It took nearly 3 months for the credit to appear back on the credit card, a Sears card issued by Citibank. For two months, I 've been asking for the credit to be transferred directly to my bank account ( consumer is given the option of a mailed check or direct deposit ). Each of the multiple times I have called, I was told it would take 3-5 business days. Two months later, I 'm told I was sent a check on XXXX/XXXX/16 which can take 7-10 business days to arrive. Total amount due to me is in excess of {$4000.00}

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 monetary relief
Consumer complaint received 02/13/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have an account with Bank of America in which I've discovered daily discrepancies with the purchases from XXXX starting back on XX/XX/XXXX possibly earlier. When I discovered the bogus transactions I contacted Bank of America in XX/XX/XXXX to put a claim in ... they in turn sent me documents with transactions that conflicted with the actual statements as far as the amounts and dates, and the dates in the documents aren't consecutive which makes viewing this data quite confusing! They wanted me to sign this document which I could be accused of committing a crime. And since the information is incorrect they wouldn't have to investigate the charges but instead hold me responsible for them! Financially and Criminally! 
On Saturday XX/XX/XXXX I contacted Bank of America to let them know of the inconsistencies in this claim ... On XX/XX/XXXX I was sent an email by Bank of America to this claim with the same inconsistent documents. 
I don't appreciate being put in a situation to engage in criminal activity by Bank of America. 
Also when I look at the transactions from XXXX in my online statement these dates have been conveniently removed ( XX/XX/XXXX to XX/XX/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
Consumer complaint received 09-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted by Credence Resource Management LLC. I have researched this company and it appears they are attempting to defraud people. I settled this account with XXXX XXXX in XXXX. I have attached the settlement letter and proof of payment. I have heard about collectors who take information from their companies and set up dummy companies to try to steal money. 

All my research online says that this company is bogus and operates overseas. They take the forgiven balance from settlements and try to bilk money out of those customers. This may be happening to XXXX of XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other fee

Complaint: XX/XX/XXXX I was approached by XXXX Attorney XXXX, located in XXXX CA, who claimed to be representing GE/Stein Mart, a credit card company from whom I had a credit card. I contacted XXXX requesting information on the debt, specifically invoices from the pro ported credit card showing purchases, payments and other information. The initial letter was sent XX/XX/XXXX. A follow up letter was sent XX/XX/XXXX after receiving no response to the first. I have yet to receive the information requested pursuant to the Fair Credit Reporting Act 1681s-2 and the Fair Debt Credit Protection Act. Last month I was rejected for a refinancing of my mortgage by the current mortgage holder, XXXX XXXX XXXX, in part due to this negative item on my report. This card, like several others, incurred a drastic increase in interest without notice and without cause in XXXX. I believe this was caused by a bankruptcy I filed that DID NOT INCLUDE ANY CREDIT CARD DEBT. I never missed or was late on a payment but multiple credit card companies increased the interest rate without notice or cause. I paid the increased interest for one or two years without realizing they had increased the rate. I have filed complaints with the CFPB and the other card holders on other creditors who did the same thing over the the same period and in at least one case the account was removed from my credit reports because it was found that the amount due was drastically incorrect when considering the overpayment of interest. In fact, the credit issuer owed me money. I am certain this credit card falls into the same circumstance but have been unable to get a response so I can perform the calculations to support my claim. I am including calculation of similar instances from another credit card company as an example of what I am certain is the case with this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I closed three ( 3 ) credit accounts with CHASE Bank. two accounts have been a year since it was closed. None of the three accounts are showing closed on equifax. This is showing XXXX in revolving credit affecting my credit score and the possibility of securing a future home loan.

CHASE has done this out of habit and nothing seems to get their attention.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This has been ongoing since Monday. I recently signed up for a Capital One card to help rebuild my credit. When I applied I was asked to show my id in photo. I showed them my passport, I was approved for the card and have made some purchases with the intent of paying off my card in full within 25 days to avoid interest. This week my card was turned off suddenly and I was asked to call. I find out that they require my ID again, social security card, and a utility bill to " confirm my identity. '' I send it off and I receive a call today telling me that the documentation I sent was n't good enough and I need to send my social security card and my utility bill again. This is after spending two hours going back and forth with them and this entire process making me feel as if I 'm being treated like a criminal when I 've done nothing wrong. I sent my documentation and they said they ca n't do anything until Monday. This is just unacceptable practices and the fact they 've gone out of their way to treat me as if I 'm a criminal just tells me Capital One is a disgusting company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen issued a Notice of Default, through XXXX XXXX XXXX XXXX, without granting the " In Person Meet and Confer '' provided by the WA State Foreclosure Fairness Act. I have made XXXX formal requests for the meeting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Trouble during payment process

Complaint: From  XXXX   XXXX  to  XXXX   XXXX , I have tried to reach asset manager at  Bayview Loan Servicing o n several occasions. The most recent occasion was the beginning of  XXXX   XXXX , in which I wanted to know what my new mortgage payment would be in the permanent conversion modification package  Bayview Loan Servicing w as suppose to be sending since  XXXX   XXXX . I had obtained Homeowners insurance from  XXXX  and canceled the lenders forced placed insurance ; however, the lender has failed to cancel their forced placed insurance and notify me what my new payment would be. I left messages for asset manager  XXXX   XXXX  and  XXXX   XXXX . It is important to note the homeowners insurance we signed up for at  XXXX   XXXX  is {$2500.00} lower than the forced placed insurance  Bayview Loan Servicing place d on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown account and I have disputed and requested validation and nothing has been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Other transaction problem

Complaint: I initiated a domestic Wire Transfer On XXXX XXXX, 2017 to XXXX/Coinbase in order to invest. The transfer was done from my husbands bank account to my Coinbase account for the amount of {$4000.00}. The transfer was rejected because of the name on both accounts did not match. They sent me an email saying they wire transfer will be reversed in 3-5 business days. It has been almost 2 months and the money is still not back in the account. Ive contacted them multiple times, and everytime I would get a hold of a customer service representative, they would disconnect the other line once they know what the issue is. Then someone would send me an email saying they have escalated the issue and someone is working to get it resolved and still nothing happened. A few days ago, I received an email saying that the issue has been resolved, but the money is still not in the bank account. 

I feel like there is fraud involved. The money was supposed to be invested on XX/XX/XXXX, but they held the money for almost 2 months and Ive lost a potential return on that. 

This company needs to be held accountable for the carelessness in handeling this case. The money must be returned ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: On about XX/XX/XXXX - I received a Chapter 7 bankruptcy discharged. My primary home on XXXX, CA. XXXX mortgage at the time was Bank Of America and it was included in the discharge. 
On about XX/XX/XXXX, Bank Of America granted me a loan balance forgiveness. ( most of this was late charges and penalties as well other unexplained fees ). The loan was also modified. 
On about XX/XX/XXXX - we received a XXXX form XXXX ( Cancelation of Debt ) in the amount of {$100000.00} - debt discharged. This form was incorrect. Bank of America indicated that we are personally liable for this, under box 5. Box 6 had the wrong coding, F ( F = agreement ) instead of A ( A = bankruptcy ). Under US Bankruptcy code, we are not liable for the debt. 
I tried contacting Bank of America for several months in regards with no resolution. The mortgage was included in the Bankruptcy BEFORE it was modified. Because of this wrong coding and refusal to update - State of California tax us on it nearly {$10000.00} On about XX/XX/XXXX - Bank Of America sold the loan to XXXX. I am requesting an investigation in regards to this matter with an updated corrected form of box 5 as unchecked and Box 6 coded as A. I have uploaded the loan modification document as well as the XXXX form for your review. 
Respectfully Yours

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 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I definitely understand the importance of good credit and being a responsible person. During the year 2017, I experienced some health problems that caused me to missed several days, even weeks of work. That lead to getting behind on bills and payments. I contacted XXXX to explain the situation. After several months of treatments and doctors, I am able to get my situation back on track. All I asked for in the GoodWill  letter that I faxed to them was to excuse 4 late payments, since out of the 2 years prior I had not been late and now the last 4 months been current or before time. I am the only one employed in our household and everything falls to my shoulders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Application, originator, mortgage broker

Complaint: Caliber services my present loan. They reached out to me to refinance. I went through the whole process including paying for an appraisal. They gave me a loan committment promising the terms of a refinance. They initially set a date but never sent the loan documents. They promised a new date to be set and that is when all communication stopped. Repeated attempts have been made by myself and my attorney to communicate with Caliber and they continue to ignore both of us. The process began XX/XX/2016 and my loan processor changed several time. Communication ceased XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/31/2016 about Student loan (Non-federal student loan) with PNC Bank N.A. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have/had a student loan through PNC Bank, XXXX ( XXXX XXXX XXXX ) was servicing the loan for my time at The School XXXX. I was admittedly behind on my balance, I 've been unemployed for the past 3 years, I 've had issues with all of my loans, my government loans have all been put on hold because of my unemployed status. I made a payment of {$300.00} on XX/XX/XXXX. 

I received a letter from an assumed collection agency dated XX/XX/XXXX. this means it was sent to collections before the end of the month and therefor before it met the charge-off threshold. 

After I started the dispute process with the presumed collection agency, I began to think about this and realized something was not right : I was NEVER contacted by PNC or XXXX, by post, that my loan was going to go into charge off. They could have tried calling, I do n't believe they did however, and I know, no messages were left to my voicemail. 

When I began to investigate this I found there was a severe inconsistency between my credit reports and what I know to be true, XXXX states my last payment to PNC was on XX/XX/XXXX, and XXXX says its XX/XX/XXXX when like I said it was XX/XX/XXXX, I would have paid it again but I could n't because it was no longer there. In fact according to my credit report my account was closed in XX/XX/XXXX. I was completely unaware and thus I have become very confused. Where did the payments go that I made after that assumed time? 

I complained about PNC before, about this loan actually, and was told at that time it was the last time they would help me, so that 's why I never contacted them when I became ultimately behind this time ( case number XXXX ). 

As stated above and I am reiterating : I 'm currently disputing it with the presumed collection agency XXXX XXXX XXXX XXXX , XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XXXX/XXXX/XXXX spoke with XXXX in C/S dispute area of Equifax XXXX after holding over XXXX minutes XXXX XXXX day I received an email from Equifax with a confirmation number. 

Every time I tried to access on line to see my updated info I was locked out by Equifax. 

Called again a couple of days later, after about XXXX minutes of being on hold a representative answered and I was immediately disconnected from the call. 

Called back a little while later and the automated system cut me off. 

Called back today and the automated system cut me off. 

I can not access my dispute on line because I am locked out and I can not reach them on the phone because I " mysteriously '' keep getting cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are several inquires I did NOT inquiry what is going on? I want these removed XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/2016 Type Mortgage Reporters Phone Number ( XXXX ) XXXX Address XXXX XXXX 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
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In XX/XX/XXXX, I attempted to correct the last status of a student loan that was consolidated and paid off as of XX/XX/XXXX. Experian conducted their " investigation '' and updated my credit report incorrectly ... stating that I missed a payment as of XX/XX/XXXX.  This account has been closed and paid in full as of XX/XX/XXXX, therefor I can not possibly have missed a payment in XX/XX/XXXX. Upon submitting a letter provided by the creditor ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Experian notified me that they could not use the letter in question to correct my credit report and that they would contact the creditor to verify again. Now, they are reporting the account to be in collections as of XX/XX/XXXX ... again, this account has been closed and paid in full as of XX/XX/XXXX ( over two years ago ) and a letter from the creditor was provided to Experian that confirms this. Experian is willfully not accepting the letter that the creditor provided, and their " investigations '' are not resolving the issue and have cost me 51 points on my FICO credit score. As a result of their willful misreporting of information on this account, I am forced to file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: After I left graduate school, I was ( and still am ) working in the education field making very minimal money. Navient initially did not inform me about income-based repayment ( IBR ). When I did research and found out that I should be eligible for IBR, they made the process to enroll in it exceedingly difficult. During the time that my loans were with them they did not approve me for IBR. Thankfully, I was able to transfer my loans to a different provider who was willing to approve me for IBR.

Company response to consumer: Closed with explanation