milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/17/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: A former lender of my mortgage transferred the mortgage without releasing the title and is holding up the who process of getting a much lower interest rate. I have contacted them and the only method is to submit a fax to there research department. This is not right all the fees we pay during our mortgage and this is what we get. I could potentially loose my lock because of there mistake. Can I file suit for the difference in interest rates. Ocwen offers little help to fix there mistakes and they should be penalized for this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  2014 , my mother took me in to her local branch of  XXXX    XXXX   to add my name to her savings account. The bank collected all of my pertinent information and ran a credit check unbeknownst to me leading to a  XXXX  point drop in my credit. They refuse to even provide a letter of explanation to the credit bureaus. This at a time when I am in the process of purchasing a home! My bank contact person was  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 01-04-2018 about Student loan (Private student loan) with LOAN TO LEARN (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: LOAN TO LEARN ACCOUNT IS NOW IN COLLECTION WITH XXXX XXXX IN XXXX VA. I CURRENTLY HAVE A PAYMENT PLAN WITH THEM, AND HAVE BEEN PAYING ON TIME MONTHLY. SINCE THE LOAN IS NOW IN COLLECTIONS, AND IS NO LONGER WITH LOAN TO LEARN, THIS INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX SHOULD BE REPORTING MY PAYMENTS SINCE MY ACCOUNT IS NOW WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Debt collection (Non-federal student loan) with AES/PHEAA (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I received a complaint by this company trying to sue me over student loans from 2006 and earlier. I have no recollection of these so-called accounts and they have went as far as to hire attorneys in XXXX XXXX and begin suing me for what they claim I owe over $ 200XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I received a letter from XXXX XXXX ( reference # XXXX ) indicating I was denied for an XXXX that I did not apply for ( denial letter attached ). This inquiry is on my credit file as well. Please investigate the authorization of this inquiry and forward findings to my attention at my mailing address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
Not only is my concern that I did not authorize this inquiry but that that this inquiry used my employer 's mailing address. 
Your prompt attention is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a collection notice from Southwest Credit. for {$1200.00} for a XXXX bill. I have never had a XXXX account in my name. I checked my credit report to be sure that there is identity theft issue. I have no XXXX account listed

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The account that appears below does not belong to me. I have reached out to the creditor and to the credit bureaus about this incorrect information that is reporting on my credit report. I am a victim of Identity Theft I have never ever had an account with these people. I have done all I can do by sending letters, conversations with numerous amount of people to resolve this matter. I am very mentally distraught! How can a person go through something like this and no one to turn to to get this matter resolved. I hope you guys can help me with this because I 'm tired of being dragged by the bureaus and this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MO).
Issue: Fraud or scam

Complaint: Money wire deposit not received. 

I sent a wire deposit to Coinbase in the amount of {$26000.00} on XX/XX/XXXX, It is now XX/XX/XXXX. They state on their website that money wires typically take 1-2 days. This fiasco cost me {$94000.00} and counting on just one investment. I am utterly disgusted with them and they make me wan na XXXX every single day. If they cant handle to take on extra business then they should not allow new customers until they get properly staffed. I absolutely hate incompetence. It wasnt till after I read all the other complaints on XXXX about customers with the same issue before I realized I had a real, and even more serious problem. Some customers havent received their money going on two months! Im hearing rumors that Coinbase is a Ponzi scheme, that they are borrowing our money as long as they can interest free, etc. Im going with fraud/scam though because I havent received it as promised. 

People involved are XXXX XXXX and Coinbase. XXXX XXXX confirmed that Coinbase received the wire, but when I call Coinbase they tell me they have no record of it. I also have no record of any pending transaction on coinbase. So either XXXX XXXX   blatantly lied, Coinbase has it but dont want to release it to me, or XXXX has it. Thats for you guys to figure out. In this case I really hope XXXX has it because I heard if you give, you shall receive 10 fold. That would give me my losses back and some. 

My next step is to file a complaint with the BBB and FBI. If you suggest any other avenues of approach please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I received a notice on XX/XX/XXXX stating that my account was past due for {$8.00}. this account was paid off in full in XX/XX/XXXX, and the account was closed. I called the number listed on the statement, but since I no longer had my card information, they were unable to help me and asked me to go into a branch. I went into the Downtown branch, but they were unable to help me and told me to call the number on the form I brought in. I explained that I already had, and they told me to resolve this issue in a branch.

No one at Bank of America has been able to help me, and I have no idea how there is a charge 4 months after this account was closed.

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 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: There is a hold on my credit card that  Discover  card wo n't release it

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received a letter stating I had until XXXX/XXXX/XXXX to resubmit my information for XXXX through XXXX. I lost my job last year and have been doing contract work since and created my own XXXX as a XXXX, so I had questions as to how to report my current income given I do not even make half of what I made last year. I called customer service and submitted exactly what they told me to submit on XXXX/XXXX/XXXX. I faxed the documents as well as sent them in the mail on XXXX/XXXX/XXXX. I received a letter stating more information was required and my bank documents were not enough as I was previously told. I immediately sent in what the next person told me to send in which was a letterhead from my XXXX stating this was my business that I own and I pay myself. 
I received a denial. I called and was told this was because I stated " sole proprietor '' and not business owner on the letter. I asked exactly what does the letter need to state because I could not afford the payments of almost $ 1600/month when I am a XXXX mother and only bring home about $ 3500- {$4000.00} a month. I was then given an amount of $ XXXX. I questioned this as this was more than the 15 % I was told my payment would be. I called again and emailed. I was told I was denied again and my payments would be based on my income from XXXX when I made almost three times the amount I do now. 
I called and spoke to another representative. XXXX now told me I had to resubmit my application entirely in order for them to recalculate their mistake. As soon as I did, XXXX stated my application was now late and added {$20000.00} to my balance. They finally fixed the calculation after weeks of phone calls and begging for someone to listen to me. 
XXXX finally calculated my payments correctly based on this years income and not my previous job from which I was laid off, but not before demanding one inflated payment due right before XXXX. I am a XXXX mother of XXXX children and I have only made {$900.00} this month due to insurance company delayed payments from the patients I see. I XXXX XXXX XXXX XXXX XXXX and that business has died because I XXXX XXXX XXXX XXXX in which no one knows what is happening to that any longer. There is no way I can skip paying my electric and house payment in order to pay a loan payment that never should have been calculated so high to begin with. The calls are recorded and they have proof I did exactly what I was told to do by them. 
Each representative told me something else. They made the mistake and are now trying to exploit money out of it. They are holding my credit hostage too. I have good credit and now it will be ruined because I literally can not make the inflated payment they are demanding due to their miscalculation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Despite repeated requests, Nelnet will not grant me access to my online account. If they fail to abide this, I will be forced to file a civil action and a claim with US Dept of Education Ombudsman 's Office through my Congressman 's Office to compel the US Dept of Education to compel Nelnet to allow me access to see how much interest has accrued since the filing of my Chapter XXXX Bankruptcy. 
If there is such a regulation or law prohibiting me access to my student loans account online, then I have a legal right to Discovery. Please provide the following : ( 1 ) the legal statue ( cited with section and paragraph number ), ( 2 ) when this statue was enacted, and ( 3 ) the exact verbiage of the statue and how Nelnet is interpretting this statue. 
If it is a regulation, then please cite the regulation, which Federal agency it falls under, and a point of contact person at that agency regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: In XX/XX/XXXX Stellar Recovery reported a outstanding balance of {$58.00} to my XXXX credit report. No only did this collections agency report this without sending a notice to me, the amount is wrong also. My amount due in full with the original creditor was {$57.00} and was paid in full on XX/XX/XXXX. I emailed XXXX XXXX Executive Customer Relations XXXX | XXXX. Office : XXXX, ext. XXXX in XX/XX/XXXX regarding this outstanding bill however, this person did not respond to me. I was unaware that my bill was reported to a collections agency and since Stellar Recovery reported this to my XXXX credit report, my credit score dropped XXXX points. I never received any notice or phone call from this collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with SUNTRUST BANKS, INC. (MD).
Issue: Billing disputes

Complaint: Several weeks ago I received confirmation that a dispute that I had with SunTrust Bank had been resolved in my favor and a credit would be issued to me at my SunTrust Bank Account. Today I opened up a piece of mail from SunTrust Fraud Managment Services suggesting that the dispute has not yet been resolved in my favor and requesting that I fill out a form pursuant to this earlier dispute which I was told had been resolved in my favor. Now I need clarification : " Has the dispute already been resolved in my favor and is this form merely the result of one part of the bank not knowing what the other part is doing? '' OR " Is the bank rescinding it 's resolution of the dispute in my favor or making it contingent upon the completion of additional forms? '' Can I ignore these new forms? Or must I continue to dispute the charges? The forms are confusing in that they list a credit and charge for equal amounts relating to XXXX of the XXXX charges I disputed earlier before clsoing my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (GA).
Issue: Managing, opening, or closing account

Complaint: I have a prepaid Rushcard that I still cant use at this time. The company states that the problem is fixed, but I am still getting error messages when I try to transfer money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 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: Information belongs to someone else

Complaint: I am a victim of identity theft. There are several items listed on my report that do not belong to me. I have tried several times through disputes to have them removed ; yet they are still on my report. XXXX XXXX XXXX remains on XXXX and XXXX report. XXXX remains on XXXX, XXXX and Experian reports. XXXX XXXX remains on XXXX report. And unauthorized inquiries remains on all three. I have attached my ID Theft form. Please remove these items within four business days as legally obligated under the FCRA. All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

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 01/26/2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan modification,collection,foreclosure

Complaint: In response to my complaint Case number : XXXX Chase stated they would agreed to order a new appraisal on XX/XX/2017. I have followed up with them several times and they keep giving me the run around and no appraisal has been ordered and the file continues to be at a stand still.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Other debt) with AFNI INC. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A Collection company by the name of XXXX XXXX continue to re-age an un validated bill on my credit report. When I talked with them, I was told that they had the right to do so. This bill is with XXXX and the date of delinquency is XXXX XXXX, XXXX. They are making it like I just opened the account, thus damaging my credit score every month. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX XXXX has continued to contact us after we told them that the person they were trying to contact was not at the number they were calling they called us XXXX times within one hour on a sunday XXXX we advised them if they continued to call we would file a complaint the names of the persons that called us were XXXX XXXX and the XXXX time the person was very hard to understand very poor english XXXX XXXX we believe

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This insurance company cancelled my insurance, so i switched to another one, so i will not pay this debt!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Student loan (Private student loan) with Social Finance, Inc. (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I initiated a student loan refinance through Sofi in early XX/XX/XXXX and the loan was approved and finalized on XXXX XXXX. This was also to take over payment of a student loan that my mother had opened while I was attending school. I would be refinancing her loans to my name. She has been unable to make the payments on her loan so I have been paying them. I will refer to her XXXX account as my own since I have been making the payments. Sofi sent the payoff check in the amount of {$16000.00} to the wrong department at XXXX which I found out after waiting two weeks for my balance at XXXX to be paid off. After notifying Sofi, they found that the dept of education would need to issue a check from the US treasury and that it would take 4-6 weeks for that to occur. Because my old loan was never paid off, I was forced to make a payment to my old lender XXXX to stay current on that loan. However, with the 4-6 week lead time on the US treasury check and the reprocessing, I would end up needing to make another payment to my old lender XXXX as well as my first payment to Sofi in XXXX. I requested that Sofi move my first payment date out another month to accommodate their mistake, to which they denied. I tried working through the escalation team and was met with the same answer : they can not and will not move my due date. Not only was this not my fault, I currently have two student loans collecting interest, my original XXXX loan as well as my new Sofi loan ( which has been accruing interest since the check was cashed by the wrong department ). Currently I am waiting to hear back from Sofi when they receive the check back from the US treasury. In the meantime, I have my Sofi payment due on the XXXX and my XXXX payment due on the 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 monetary relief
Consumer complaint received 09-02-2015 about Debt collection (Credit card) with TENET HEALTHCARE CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: they contacted me too many times and not stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This collection agency currently holds XXXX accounts : XXXX, XXXX, and XXXX XXXX XXXX. XXXX was originally defaulted in XX/XX/XXXX-XX/XX/XXXX, while I was still in school, because I could not pay. XXXX was defaulted in XXXX, while I was still in school, because I had moved and could not pay. XXXX XXXX XXXX was defaulted in XX/XX/XXXX-XX/XX/XXXX, after I had tried to switch over to XXXX and XXXX XXXX XXXX told me I had to pay about {$400.00} to close my account, which I did. Then a week later, XXXX XXXX XXXX told me I had to pay an additional {$200.00}, so I did not. All of these accounts began to default in XX/XX/XXXX - XX/XX/XXXX. Enhanced Recovery has reported them fraudulently as XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to increase the amount of years these accounts can negatively impact me. I have not had any XXXX accounts since XX/XX/XXXX/XX/XX/XXXX. I have not had any XXXX accounts since XX/XX/XXXX, and I have not had any XXXX XXXX XXXX accounts since XX/XX/XXXX. They have also called me several times on weekends in a row using different numbers all leading back to their number if called back ( 10 calls within an hour, a few times a day ). They have also called my work and had the front desk forward their call as urgent to harass me at work - while interrupting a meeting I was having with some partners at the XXXX I work at and embarrassed me. During this call they also threatened me and warned me that if I do not call them back later that day there would be " consequences. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief