milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/23/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Payoff process

Complaint: I am writing to complain about practices of Bank of America XXXX. I am writing specifically about their policy for interest fees on balances paid in full. We made an error that we fully recognize as our own in shorting a payment by {$260.00} approximately. Upon receipt of the next statement dated XXXX XXXX, 2015 we received, we immediately paid any difference. Additionally we paid our full balance on the XXXX XXXX statement including the interest charge. Upon receipt of our statement dated XXXX XXXX, 2015 we were charged an additional interest amount based upon all of our purchases the previous month XXXX approximately {$4700.00} of purchases were subject to the rate ). Upon calling Bank of America I was told that while no where on the front page of the bill, which contains the summary and any interest charges, that on the back on page XXXX, in small print, it is written that " We will not charge interest on purchases on the next statement if you pay the New Balance Total in full by the due date, and you had paid in full by the previous payment due date. '' I understand that there is a residual interest charge, however, the statement is misleading as it states " Balance '' in the " Account Summary '' section on the XXXX page of the bill and does not specify " Pay Off Balance ''. It is my belief that credit card companies should include the payoff balance at the time of the statement so that customers can avoid large residual interest charges. I am a consumer who has never made this mistake in my 14 years as a customer with this company, and in doing so was charged on the mistake of {$260.00} a total of approximately {$80.00} due to the poor information provided. I made the payment within XXXX day of the closing of the new statement to bring my account to what I thought was in good standing. ( i.e the short payment was XXXX on a due date of XXXX, statement closed XXXX, I realized it on XXXX and made an immediate payment ). This is an abuse of the fine print and of the agreement. It is deceptive as well as probably the reason so many people who are much less educated than I are struggling with so much credit card debt. The company was without my short payment of {$260.00} that would have paid off the balance in full for a total of 4 days and earned {$80.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Payoff process

Complaint: I had a credit card with Chase Bank. Chase reported it, correctly, as a Charge Off in XXXX XXXX. On XXXX XXXX, XXXX Chase cancelled the debt, wrote it off as a loss, and sent to me a XXXX Cancellation of Debt form. I had to count the $ XXXX as income and pay taxes to the Federal and State of Ohio 's government on it. However, Chase kept reporting this as a charge off each month despite the debt being cancelled. I submitted to each agency the correct information and they cleared it off my credit report. Chase then reported, again, on XXXX/XXXX/XXXX that I still owed the debt to them on my credit report, despite them writing the debt off as a loss, placing it back on my credit report. There should be no reporting 's from Chase after XXXX/XXXX/XXXX. 
I have spoken with people from Chase repeatedly and the response I get is that I still owe them the money ( despite them reporting it as a loss ) and then he tried to collect the debt from me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On XXXX XXXX, XXXX @ XXXX I cancelled my XXXX  wholesale club membership {$XXXX}. On XXXX XXXX, XXXX I received an email from Comenity Capital Bank which manages the XXXX credit card, with a notice to pay {$XXXX} for a XXXX wholesale membership. I called Comenity on XXXX to advised them that I was no longer a XXXX member and should not have to pay for a new membership that was charged on XXXX XXXX, XXXX, 17 days before the expiration of the full membership. I spoke with two XXXX agents. I was told that they could not resolve the issue and the only way to fix the matter was by going to my local XXXX store to obtain a credit that would reflect on the credit card and as simple as that the issue would be resolved. On XXXX XXXX, I went to XXXX. They told me that they were not responsible for that charge. XXXX told me to contact Comenity. I left XXXX and called Comenity. I told Comenity that they gave me false information on how to fix the problem. They advised that I should wait 10 days to obtain a form in the mail to dispute the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage was transferred to GreenTree Servicing in XX/XX/XXXX/XX/XX/XXXX. There were confusing documentation sent from both XXXX and Greentree in regard to who and where payments were to be sent. I never rec 'd a payment booklet nor an actual statement. I waited and sent a payment in XX/XX/XXXX. The item I did receive from GreenTree said " Informational Statement '' an " This is not a bill '' ... .I paid in XXXX, XXXX, XXXX ( which they held the check long enough to charge a late fee to my account ). But in XXXX, they ret 'd my check and refused the payment that was above the amount of my house payment. SInce transferring my mortgage to GreenTree, it has been a constant complication. I have tried to deal with them but even completed a " loss mitigation/modification pkt '' in order to settle this issue. I have not been informed of the result, p/there statement but instead rec 'd a letter from a lawyer informing me my house would be up for foreclosure on XX/XX/XXXX. Essentially, we never had a prob prior to Green Tree and I have offered and tried to make payments but they have refused to take them making me further behind and adding ridiculous charges/fees. I need help to deal with these people or advice on how to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am not sure if it is the right category. 

It 's a debt with XXXX that dates back from 2010. The debt was the last bill emitted by XXXX XX/XX/2010 when my wife XXXX XXXX XXXX was living at XXXX XXXX XXXX # XXXX XXXX IL. The last bill ended up through a collection agency at the end of the XXXX. We payed it XX/XX/2010 as soon as we were made aware of it. We did not have a permanent address for 3 months which explains the lack of awareness for that last XXXX bill. 

XXXX decided to invoice XXXX with late fees after the bill was paid through the collection agency, They failed to try to contact us by other means than letters. 
Late fees have been accumulating on top of each other for the last 6 years without any of our knowledge. 

We are currently trying to refinance our home, this is affecfting her credit. I just found out that we had that debt collection on my wife name. We called the collection agency and paid it, the amount was for XXXX and they have been charging late fees monthly for the last 6 yrs. XXXX never tried to called my wife since 2010 even though her phone number on record was still valid. 
They just sent it straight to the collection agency. 

The issue is with XXXX, not the collection agency

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 02/27/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (WA).
Issue: Managing the loan or lease

Complaint: On XX/XX/XXXX16 I was involved a MVA. Subsequently my vehicle was totaled on XXXX16 due to the amount of damage. I notified ALLY Financial on XXXX16 of the incident because I knew I would need to gather documents from ALLY Financial for my insurance company. I also had GAP insurance provided for my GAP coverage. I had been requesting the required documentation from ALLY Financial for 6 weeks so I could get my claim completed with XXXX regarding my GAP coverage. ALLY Financial finally informed me after I placed several calls over the course of 6 weeks that they would not send the required documentation to XXXX because they were considered a 3rd party. NOBODY from ALLY Financial had relayed this information to me until almost 2 months after my claim process had begun. Now I am having to pay an excessive amount of daily fee 's and interest because the date of accident was on XXXX16, and ALLY did n't get the required documentation to my insurance providers in a timely manner. I do n't feel I should have to pay the excessive fee 's for the daily rates they are charging me because of their lack of communication and failure to get me the documentation I had been requesting.

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 06/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Application, originator, mortgage broker

Complaint: My wife and tried to work with Bank of America ( BOA ) to get a repayment plan in XXXX XXXX, Bank of America suggest we go through XXXX. On XXXX XXXX, XXXX we went to XXXX ( XXXX ), who contacted BOA, who stated we need to a Home Modification Loan. We filed for a Loan Modification with BOA, and were told to make no mortgage payments while the Modification was being processed. This went on for XXXX months until BOA stated we need to pay the XXXX months we were past due in order to make the Modification possible. My wife file for Chapter XXXX Bankruptcy and once the hearing was completed on XXXX/XXXX/XXXX, we made our XXXX payment on XXXX/XXXX/XXXX and made every payment thereafter on a regular basis. On XXXX/XXXX/XXXX we received a letter stating that our mortgage had sold to XXXX XXXX XXXX. ( XXXX ) We made our XXXX mortgage payment to XXXX on XXXX on the phone. On XXXX/XXXX/XXXX we received a call from our Lawyer, stating we were delinquent on our mortgage payment. On XXXX/XXXX/XXXX we received Court papers dated XXXX & XXXX/XXXX/XXXX that we were delinquent and that we had a Court date for XXXX XXXX, XXXX to foreclose on our home. We immediate met with out lawyer on XXXX/XXXX/XXXX and hand Exhibit XXXX which showed our payment to BOA were XXXX months behind. 
My wife and I went through our personal bank records and pulled all the checks and bank statement starting from the XXXX mortgage payment to the current payment recently made to XXXX. As of XXXX/XXXX/XXXX we heard from our Lawyer and everything between XXXX and us has been straighten out and foreclosure process stopped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX card, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX card , XXXX  XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, these all hard inquiries that I do not approve. 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 11-02-2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have two problems with Ocwen, my mortgage company. First I asked them to remove my FHA mortgage insurance and they denied it because " The LTV is greater than 78 % of the original value. When I purchased my home the value was XXXX and i currently owe XXXX. Which is less than 78 %. When I called, they stated what they meant was 78 % of the original loan amount. There wording says one thing and they mean another.. very misleading and wrong. 

Second issue my XXXX escrow analysis. Ocwen is doing very shady mathematical practices on my escrow analysis which is causing my monthly payment to go up dramatically. I received a letter stating my expected escrow balance is {$55.00}, making my expected balance deficiency {$0.00}. Total escrow shortage {$0.00}, cushion of {$480.00}, and and additional {$1700.00} is needed for the escrow balance. XXXX divided into XXXX payments of {$48.00}. My mortgage has gone up {$82.00}. They ca n't give me a clear answer of what is going on with my loan. My taxes stayed the same and my insurance went up less than {$20.00}. I was told my a representative that is an issue from XXXX when my loan was purchased from GMAC. My XXXX escrow analysis had a shortage of {$480.00} which was only the cushion.

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

Complaint: On XXXX XXXX I purchased some cryptocurrencies on coinbase.com, then on XXXX XXXX I found out that my account has been disabled, I was not able to log into my account and withdraw those cryptocurrencies ( worth more than 2000 dollars now ), so I immediately sent Coinbase a ticket following their instructions @ XXXX XXXX XXXX Then I received an auto-reply from them telling me my case number : # XXXX From that day on, I 've been waited for 8 days and still nothing from them. Last week I figured out Coinbase 's support phone number and called, each time I stayed on the line for more than half hour, but the calls never went through. 

I 'm pretty desperate and angry right now. It seems like Coinbase does n't care about the customers like me. I know their support team is still functioning because several friends of mine tried to verify their Coinbase accounts last few days and their requests got proved immediately. So my conclusion is Coinbase choose to ignorant technical problems, they only respond to the problems that endanger their profits. 

I want my money back. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX should not be on there. This has been going on for 10 years, I have asked before to take it off three times. Please take it off, which I was told it would be every time I report it.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KS).
Issue: Payoff process

Complaint: I have been trying since XXXX/XXXX/2015 to communicate with Capitol One regarding a payment plan to stop collection efforts and make regular payments towards the amount owed. Since then, they have continued collection efforts, as well as charged-off the account, and worst have put my boyfriend in the line of fire with his credit as well. He was to be only a USER on the account, and has NEVER agreed to be on the card as a co-borrower. No contract has ever been signed by him. Therefore, both my credit and his are currently being destroyed by this XXXX company. I have made many efforts to contact them ( see attached ), to when they only respond with a letter ( see attached ) that says to call them and that they can not respond in writing. I refuse to call until I know my rights and my boyfriends rights are being upheld by the company - and currently, they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have XXXX XXXX XXXX credit account, managed through Synchrony Bank. I bank constantly adds late charges to my account where there are none due. This first time this happened is XX/XX/XXXX ( please refer to statements from XX/XX/XXXXto XX/XX/XXXX ). I constantly receive collection calls and when I attempt to respond and resolve the issue I am met with incompetent customer service people who English is not good and will not investigate the issue. I have to take my time to research and the issue. Since this is an error on their end they should provide the proof the my account is late or past due. These is by design on Synchrony part to harass customer they feel do not understand credit because one chooses to do business them. This equates to Fraud.

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 06/25/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a homeowner in the state of Va. I am currently in bankruptcy, I am surrendering my home under my bankruptcy, my home has not went thru the foreclosure process yet. Im in the process of moving out of the property, and when I went back to my property, my tv was missing. Is it legal for the mortgage company to change the locks on my property / take possession without notifying me or my attorney?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: If I do n't have funds in my account they payments are supposed to decline instead they accept them and charge me {$35.00} in overdraft fees, I have also set up an active hours account but they take forever reporting my activities to them so I end up getting another overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been denied a loan modification for the third time despite meeting all the guidelines. XXXX XXXX XXXX blames the Investor Deutsche Bank National Trust Company as Trustee on behalf of XXXX XXXX XXXX XXXX Mortgage. This Investor gave a sub prime mortgage and continues to be predatory in regards to how every six months our monthly payments doubles. In XXXX 2016 our payment increased by {$1000.00}. and in XXXX the payment doubles. This Investor gave us a four year trial modification which we paid on time for XXXX. This investor has refused to modified the loan permanently which is a violation of the law. The investor is hoping and praying that we stop making our payments so that they can foreclose on us. Deutshe Bank and XXXX placed a {$93000.00} junk fees and charges which continues to hurt us, because they gave us an interest only payment which does not exist anymore. This Investor does not want us to live their AMERICAN DREAM OF HOME OWNERSHIP.

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 12/29/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: I received a mortgage loan modification in 2012 and I believe I was deceived into signing papers to save my home. I was told numerous times over the phone by Nationstar Mortgage that I qualified for a loan modification because I had successfully made all my mortgage payments. Yes, I made all my mortgage payments, so why did they ( Nationstar Mortgage XXXX add an additional {$260000.00} on top of my original mortgage loan with the modification??? I was deceived and lied to and this is a SCAM by Nationstar Mortgage. I made all my mortgage payments and paid all late payments. Then I made additional trial modification payments and I was told on the phone I would not get any additional fees because I made all my payments to qualify for the loan modification. Did Nationstar Mortgage pocket and dissapear all my mortgage payments I made prior to the loan modification??? I just now realized that they ( Nationstar Mortgage ) committed FRAUD with me because they added additional fees to my mortgage loan that I never had before. Please help me to remove the amount of {$260000.00} that Nationstar Mortgage added to my mortgage loan by FRAUD. Nationstar Mortgage lied to me and deceived me into signing papers to do a mortgage loan modification with the Nationstar Mortgage, which now changed it 's name to Mr. Cooper Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Transunion continues to ignore all of my requests for investigation of wrong information on my report, Transunion has not notified me of any changes or investigation. 
I have received no emails nor letters from Transunion, addtioanlly I pay for the monthly service and see no alerts or notfications

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 06/15/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been forced into foreclosure due to unwillingness of my lender, Ocwen Financial to modify my loan. I was only two months behind on my rent and was not allowed to make payments due that everything had to go through a relationship counselor by appointment only. The past due amount kept getting pushed higher and higher, and in spite of my attempts to catch up and communication with anyone in customer service ( XXXX % of whom are non-english or broken english speakers ) communication was EXTREMELY difficult. Each person disseminated different information. I was bombarded with paper work that i could n't understand. I am now 11 months overdue and am selling my house to resolve the matter! All this could have been avoided if there was willingness to work together and communicate. Even though I was laid off 6 years ago from my job and have been working XXXX-XXXX jobs to make up the income -- there was NO willingness from them to modify AT ALL. I have XXXX kids to feed and provide for -- I 'm done fighting for my home and not sure what the future holds for us!!!

Company response to consumer: Closed with explanation