milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Application, originator, mortgage broker

Complaint: My wife XXXX and I, XXXX met with XXXX Of CHASE on XX/XX/XXXX to discuss a refinance of my mortgage loan No. XXXX. 
We proceeded to fill out all of the paperwork and at that time I mentioned that due to XXXX, we had to take out a SBA loan, and would that be a problem. She said that as long as the SBA agreed to be 2nd on the mortgage, there would not be a problem. Over the next couple of months, we supplied all of the paperwork that CHASE requested, usually the same day. The week before XXXX we were told that the loan was approved, and the closing would be in a couple of days. We were very excited. That lasted for a couple of hours, that is when I received a phone call saying that the closing would be delayed because the SBA was never contacted! I was furious! I asked why were they never contacted? The reply was " it feel through the Cracks ''. Over the next couple of months I kept asking, daily, what was going on? I was told that they could not get any answers from the SBA. I finally said " give me the contact number and I will call ''. I had the approval the following day! CHASE then told me that they could not get the final payout numbers from the SBA. Again I called and has the numbers in an hour! 
Finally on XX/XX/XXXX I was told that the loan WOULD NOT BE APPROVED because the debt to loan ratio was to high. WE went from a closing in XXXX to not being approved in XXXX due to the fact that CHASE dropped the ball! I asked them if they could take off one of the loans that I had and replace it with the SBA so that the numbers would work and they said that nothing could be done, which I do n't believe. After 4 months they are refusing to work with me on this refinance. I even said to them that I would even consider a higher interest rate just to get it approved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Account opening, closing, or management

Complaint: chex systems services is reporting inaccurate reports showing that in the past my account with XXXX XXXX XXXX and XXXX Bank was unpaid and closed. Were update closed but not in a good standing. All my bank accounts balances were paid to zero. There is no balance owed on my XXXX XXXX XXXX account nor my XXXX Bank account.Which is hindering me from opening up a bank account in my name

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: XX/XX/XXXX mortgage for XXXX over 15 yr. 11.95 % balloon payment, under HAMP we were denied a mod for 13 yrs. 6 mon. before finally dropped {$650.00} mon. to {$400.00} and lower % to 4 %, had major hardship XX/XX/XXXX, XXXX XXXX, no insurance or job, they raised payments for XXXX yrs. During mod review from XX/XX/XXXX-XX/XX/XXXX they attemted to Foreclose, this is Dual tracking, tacked on over $ 28k in penalities in that time span, so I owed over $ 28k more than I financed at end of term, now they filed Foreclosure 2 yrs. later, looking for help, never told about Recsission

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: I deposited {$6700.00} ( mostly hundreds ) into a Bank of America ATM ( XXXX XXXX XXXX, XXXX, CA ) on XXXX/XXXX/16. The ATM counted {$4200.00}. I requested to remove my money, as the amount shown was off by {$2500.00}. The ATM gave me back {$4200.00}. I immediately went into the branch and told a manager what had happened. She informed me that they have no control over the ATMs, and gave me a phone number to call. I stayed at the bank and called the number from the bank phone. I spoke with a person who told me I 'd be issued a temporary credit of {$2500.00} while they investigated. I was satisfied, as I was sure they 'd identify the problem. 
Yesterday I received an electronic letter from Bank of America saying they did research, did not find the {$2500.00}, and that the credit to my account would be removed. 
I use this specific bank account to pay bills only, and deposit exact amounts into the account. My business accounts are through BofA, through which over $ XXXX per year circulates. I have been banking with BofA for over two decades. I have never filed any complaint or had any issues. I called and asked to speak to someone in the research department to see what the research consisted of exactly, as I ca n't believe {$2500.00} can go missing. The person I spoke with told me the research department had pulled data from the ATM and determined that I deposited {$4200.00}. This was, of course, the exact problem I had encountered the day I deposited the money. I asked if the money in the ATM had been counted, and was told only that the money is collected once a week and that there is no other information. 
I am very uncomfortable with what has happened. I am shocked that I have completely lost {$2500.00}, and that there does not seem to be anything I can do about it. I was told that someone from the research department would call me back yesterday within 2-4 hours, but no call ever came. 
I hope someone can help me ... I ca n't stand the idea that {$2500.00} is simply gone from my possession. As I mentioned to the person I spoke with over the phone at Bank of America, if the amount was {$100.00}, or even {$200.00}, I may be convinced that it was my error. But this is impossible for an amount of this size. 
Please help!

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 12/14/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MO).
Issue: Money was not available when promised

Complaint: On XX/X/2017, I wired {$5000.00} from my bank to Coinbase/XXXX to have the money credited to my account. As of today, the money has still not been posted and the company has been non-responsive after multiple attempts. 

The XXXX for the wire transfer is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XX/XX/XXXX I started receiving debt collection notices regarding cell phone bills in my name. After I looked into it I found out someone was using my personal information to get phone service in my name. I contacted the phone companies and they agreed I was not responsible for the debt. 
XX/XX/XXXX I started getting calls from debt collection agencies trying to collect the debt I was not responsible for. I asked these debt collectors to send me a debt validation letter, they never did. I disconnected my home-line due to all the collection calls I was getting but they still call my cell number sometimes several times a day. The most aggressive debt collectors that contacted me are Midland Credit Management, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX. 
After more than 4 years of this abuse from debt collectors I want to file a complaint and hopefully put a stop to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Application, originator, mortgage broker

Complaint: I signed a XXXX home purchasing contract. I was processing XXXX loan from wells fargo. Well fargo agent fill up and information and gave me approval letter. I paid the loan rate and processing fees. Then I have submitted contractor bid.They have gone through contractor bid. When it comes to closing date after 4 weeks of bid submission. Wells Fargo called me and rejecting contractor. They ca n't close it with this contractor and they want extension and go with new contractor. Now, They gave me their contractor detail to submit the bid. I went with contractor with high bid. Then they were delaying it and extend the closing date. We extend the closing date. I was middle of the switching company. I told them beginning of the loan process that I would be moving to another company, which will have future employment. I would not be get paid until I start the project. Agent told me that it would be fine and she would be closing it. 
Now, They verified with my new employer XX/XX/2016. They will be closing it next week. They need another extension. we did extension for 2 weeks for them to close it next week. But they did n't close it next week and they went for 2nd week and calling again employer why I did n't start to get paid yet. I told them that I would get paid when I start the project. Now, last minute, Bank under writer would n't close the property. They could have told me long time ago. i could go to another lender. Now. Fannie mae would n't extent anymore. 
Agent promised me that They close property with 45 to 60 days. It is more than 90 days, they could n't close my property and denied it last minutes. I lost lucrative property and over XXXX equity. I had go through over 60 days of hard work, XXXX, put together contractor as per their request and spent lot of time and stressful time with this agent request. They took money to close the property. 

I am filing report to band this agent and wells fargo to practise loan processing in NJ. 

you can reach me at XXXX XXXX XXXX or email me at XXXXXXXXXXXX

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 08/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: To Whom It May Concern, we have been fighting Nationstar Mortgage LLC, hereafter referred to as Nationstar, for the better part of the past 2 years. We adamantly dispute who Nationstar claims is the beneficiary of our debt obligation. We have written Nationstar many times in regards to the ownership of our alleged debt and to date they have not addressed our concerns and questions. Because of Nationstar 's refusal to comply with our requests, we are filing this Complaint. The entity Nationstar claims is the owner of our alleged debt is The XXXX XXXX XXXX XXXX XXXX as Indenture Trustee for Nationstar Home Equity Loan Trust XXXX. We dispute this information because this alleged transfer occurred when the debt was in default. We understand that pursuant to the FDCPA, when an assignee obtains a debt while it is in foreclosure, it is a debt collector and not a creditor. Based on this fact, we believe Nationstar is falsely representing the character of the alleged debt in violation of the FDCPA. This information needs to be addressed prior to Nationstar participating in any non-judicial action. We presently have a foreclosure date set for Tuesday, XXXX XXXX, 2017. We understand that under the Fair Debt Collection Practices Act, hereafter referred to as FDCPA, 15 U.S.C. Section 1692f ( 6 ), Nationstar is a " debt collector '' because they are attempting to enforce a security interest in which they have no legal authority or right. As a " debt collector '' without legal authority or rights they can not proceed with a non-judicial action against our property pursuant to 15 U.S.C. Section 1692f ( 6 ). Under the FDCPA, a debt collect may not use unfair or unconscionable means to collect or attempt to collect a debt and more specifically they may not take or threaten to possess or disable property when they have no enforceable right to the property. We are filing this complaint because we are beyond frustration and anger that Nationstar is taking this action against us without legal right and authority. We believe if we do not file a Complaint, they will continue to blatantly disregard the law and fraudulently and wrongfully foreclose on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: About a month ago, I inquired about the HARP program, and I was assigned to XXXX XXXX. I was told by XXXX that in order to be approved with the HARP program I have to be working. At that time I inquired about the HARP program, I was in between jobs and was only receiving unemployment benefits. On XXXX XXXX, I went back to work and contacted XXXX XXXX again. He instructed me to send him a copy of my paystub, and so I did on XXXX/XXXX/2015. As of today, I still have not heard from XXXX XXXX. I have been leaving messages at XXXX XXXX XXXX XXXX, but would not return any of my calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Prince Parker & Associates (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Twice I have been contacted by debt collectors on behalf of XXXX at my place of employment. To my knowledge, I never gave XXXX my work phone number nor did I authorize them to contact me at work. When this happened the first time ( XX/XX/2016 ), I called XXXX Customer Service and requested they not contact me at work anymore. I was told verbally by a representative that they would not contact me there anymore. I also subsequently canceled my Internet and Cable service with them due to my displeasure of them resorting to these tactics to collect money I owed them in addition to them repeatedly disconnecting my services for payments not made mere days after they were due. 

On XXXX XXXX, 2016, I was once again contacted at my place of employment by a debt collector seeking payment for my remaining balance to XXXX. I expressed my displeasure to the creditor and she said " I have several complaints like this ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Capital One is showing that my auto loan is delinquent when I have payment proof that I 've sent them but to no avail & this is being reported to all XXXX Bureaus but specifically XXXX as I 've written them a letter as well as called them but again to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Student loan (Federal student loan servicing) with MOHELA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I requested a change in repayment plans. Apparently, MOHELA lacks the ability to process these requests efficiently. As such, it places the account on a " processing forbearance '', in which it unilaterally delays payment for a month and capitalizes the interest ( referencing the right to do so under the master promisory note ). At no time did I authorize this or accept this. Nonetheless, MOHELA continues to forward me mail indicating its intent to capitalize interest. This is unacceptable without additional information and/or a refusal to cite to the provision in my master promissory note that authorizes such behavior ( i.e., at no time have I authorized MOHELA the right to capitalize interest on my account ( s ) ). 
MOHELA 's forced forbearance and capitalization is a MASSIVE class-action lawsuit waiting to happen. Damages are calculable. Good luck! 
Do n't capitalize my interest ( or my wife 's interest for that mater ). 
What MOHELA is doing is the exact type of behavior the CFPB is trying to prevent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: This is a follow up to a memo dated Monday, XXXX XXXX XX/XX/XXXX provided below. 

As of today, XXXX XXXX XX/XX/XXXX @ XXXX XXXX I have AGAIN reviewed my credit report and see NO MODIFICATIONS to the Credit Report surrounding the issues addressed here. I have over Fifty Thousand Dollars of Credit that has been extended by Citi because of my outstanding payment histories. This is NOT REFLECTED in the credit reporting to the Bureau 's and is having a NEGATIVE effect on my credit. Currently as of today I am showing " open '' revolving terms since XXXX/XXXX/XXXX. My PAYMENT STATUS is showing as UNKNOWN. My BALANCE is BLANK ( although there is NEVER A BALANCE ) and my CREDIT LIMIT, AMOUNT PAST DUE and HIGH BALANCE is completely BLANK. My Credit Card statement shows Available credit of over {$50000.00} ( XXXX ) and it is not reflective in my credit report. As such it is NOT PROVIDING A FAIR AND ACCURATE ASSESSMENT OF MY CREDIT SCORE OR CREDIT WORTHINESS. I have contacted Citi over a half dozen times and they continue to tell me that they are reporting it. The Credit Bureau 's claim that the information is accurately reflected from what is being provided. All I am getting is the run around. 

XXXX Monday, XXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX, XXXX XXXX DC. XXXX RE : Formal complaint for Citi & Credit Management Department To Whom It May Concern, Over the past few years I have been working to address inaccuracies within my Citi Credit Card account that have been going unreported on my credit report. The exact same information that has been provided multiple times previously and I have not been able get them to report the true and accurate information as indicated in the attachments. 

I have written multiple letters, certified correspondences and have called no less than a dozen times and ca n't get to anyone who can actually help me. I have requested the service reps to document the notes on the account. Even after XXXX DECADES as a customer, I can not seem to even get someone on the phone to speak to. This is IMPORTANT to report as it is having a NEGATIVE impact on my credit currently and if continues to go unreported it has the potential to cost me thousands if not hundreds of thousands in interest costs over the my remaining working years. 

Again, Citi shows an " Open Account " however, it still IS NOT reporting accurately as it still fails to show my 24-month history, my credit balance, by available credit limits or my payments being on time. All of which have a significant impact on credit scoring. 

Please again consider this letter another formal request for this issue to be investigated immediately and inaccurate information is addressed and modified reflective for the life of the account, so that my true credit history, and subsequent score, is reflected with the XXXX major national credit bureaus. 

+++++++++++

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 Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (VA).
Issue: Problems when you are unable to pay

Complaint: I have a loan through Prestige Financial Services. I purchased the vehicle in XXXX, XXXX XX/XX/XXXX and relocated to XXXX XXXX because of medical issues after a car accident. The car then broke down and I was told by the mechanic that the car was a salvaged vehicle. Due to prestige telling me XX/XX/XXXX that they will finance the repairs, I decided to stick with the vehicle even after being told by the mechanic fixing the vehicle that I would be better off getting rid of the vehicle because of the underlying issues. In XX/XX/XXXX I became delinquent due to some unexpected and unforseen expenses. I have told Prestige repeatedly that I would love to keep my vehicle and even have given them dates that I could pay. Their response is a refusal to accept anything less than the total amount due and repeated threats to garnish my wages and take me to court. Not once did I say that I would n't pay, I 'm just having a hard time coming up with the total amount due at this time. One of the supervising collectors have even told me that I should give him all of my income information and also my bills so that he could arrange them since I obviously do n't know how to handle my finances. All of this has caused me stress and I feel as if I 'm on the verge of a XXXX due to their harassment and threats with a garnishment for a refusal to pay though I never told them that I would n't pay. I 'm not asking that they move a payment and I know that my interest rate is crazy high because this is a predatory loan after I filed bankruptcy. I just put another {$300.00} in repairs on this vehicle that I should n't have had to have repaired for a while after purchasing it. The threats with garnishment and lawsuits is unbearable and unbelievable considering that I 'm not refusing payment, I 'm just asking to have them broken up until I get back on my feet.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (I do not know) with Professional Debt Mediation, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a reporting on my credit reports in collections that states I owe {$1800.00} to XXXX at XXXX. It was opened XXXX. It was last reported XXXX. It is stated as an individual responsibility. It is from Professional debt mediators. I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other

Complaint: XX/XX/2015 both Bank of America and XXXX credit card balances were paid off by XXXX company in which I am paying them off in the form of a loan. The payments to the banks were considered a charge off and XXXX balances exist on both banks yet they are still leaving negative comments on XXXX, XXXX, and XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank. I am requesting that the negative comments be removed from my credit reports since a settlement with both banks was commenced on XX/XX/2015.

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