milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2016 about Debt collection (Payday loan) with Asset Mediation Partners LLC (OH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On XXXX XXXX, XXXX, I was contacted at my place of employment by a person calling himself " XXXX. '' He said he was a processing agent and had legal paper to serve me at my workplace and papers to give to my HR department to start garnishing my wages. He advised me to contact XXXX XXXX XXXX at XXXX to stop the process of serving me. He would not give me a callback number or tell me what company he worked for. The called id was UNKNOWN. He called may office phone several times in a row and also spoke to our receptionist and left a message with her. I contacted AMP and then was told it was Asset Mediation Partners and the I had taken out a payday loan with XXXX XXXX XXXX in XXXX XXXX and had defaulted on said loan which is fraud and theft by deception. He said I could only pay the {$1400.00} by credit, debit, or PREPAID card. I asked for a debt verification letter which was emailed to me. I then called XXXX XXXX XXXX to verify that I had an outstanding debt with them. They informed me that I do not and never had. Their records do not match my name, address, or social security number. I called Asset Mediation Partners back and told them the debt could not be verified. The person then advised me to call XXXX XXXX XXXX to verify their records. I told him I already had and the debt could not be verified and I did not owe it. I asked him to send me a copy of the papers I was to be served with and he told me he had no idea what those papers contained. He claimed the " location service '' has the paperwork and he is not familiar with what would be in them in the State of Ohio. I asked him what paperwork would be given to my employer in order to garnish my wages and again he could not answer the question. He then advised me to call XXXX XXXX XXXX 's corporate office, which I already had, in the morning and then call him back. The debt does not belong to me. I did email back a letter to advise them to not contact me at my home or place of employment anymore and that I am filing a claim with the CFPB. I also looked up their website athttp : //www.assetmediationpartners.com and the phone number they list on their website is not a working phone number.

Company response to consumer: Untimely response
Consumer complaint received 12-01-2015 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Managing the loan or lease

Complaint: I had a payment for a loan with Net Credit due on XXXX XXXX, 2015. I called to pay off the entire balance of the loan but had to use a different checking account than the one I was using for the loan. The representative for Net Credit advised I would need to mail a check from the different bank account in and it would need to be processed for me to use a that different account. I then asked if I could pay with a debit or credit card and the representative advised I could. I told the representative I would call back on XXXX XXXX and pay off the loan with a debit card because it would be quicker than going through the process of paying with a check. The representative advised that she would make a note that I would call back and pay off my account on the XXXX. She told me the amount would be {$3900.00}. 
I called today, XXXX XXXX, to pay off the loan. I was told the balance was {$4100.00}. I was told the account accrued interest since XXXX XXXX. I advised the representative I called on the XXXX and attempted to pay off the debt with a check and was told I had to mail in a check and the check would be processed. I told the representative that I was advised to call back because paying with a different check would take longer than paying with a debit card and I was not told interest would accrue on the account in the meantime. The representative told me that it is a contractual agreement that interest is accrued when payment is not made. I told the representative, and the manager, I attempted to pay the debt on XXXX XXXX with a check and that the time it takes them to process a check it not my responsibility. They accept checks as a payment option, the representative on the XXXX advised me otherwise, and I should not be charged interest when I attempted to pay the debt on the XXXX. 
XXXX, the manager, then told me I also stated I would pay off the balance on XXXX XXXX. I asked XXXX if the interest I was being charged since XXXX XXXX or for me being one day late from the day I stated I would call back to pay the balance in full? XXXX advised the interest was from XXXX XXXX to today. I told XXXX multiple times that I should not be held responsible to pay interest when I attempted to pay the debt on XXXX XXXX but I was still charged the extra {$170.00}. If needed, I did record the conversation and can provide a copy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Struggling to pay mortgage

Complaint: In XXXX 2017 I asked for mortage assistance. I completed the paperwork with a home XXXX. They asked for several documents that were provided. They insisted on using the automobile declaration page as residence verification. I explained to them that the auto insurance was in my spouse 's name and we maintain XXXX separate residence. But they insisted on me submitting this as verification alone with a letter explaining the circumstances of address differences. Upon receiving this the modification was denied and an appeal was started. The rep. asked that I submit bank statements, any other documents that would prove residency and a letter explaining the difference in mailing address and permanent residence address. At this point the underwriter now had bank statements, utility bill ( current ), letter from the bank verifiying address, bill for carpet placed in the home and another letter detailing the concerns regarding residency. I also explained in the letter that during my year of unemployment I never asked for assistance but struggled to pay the mortage every month even using my entire savings and retirement funds. Again the modification was denied and the XXXX was supposed to contact me on XXXX after discussing this with his manager. I contacted the XXXX after not hearing from him by XXXX. He informed that this manager was out sick and he would speak wth her and contact me early today on XXXX as of XXXX I have not heard from the XXXX or received an email.I have again left him a message. The reason for the constant denial is because I have a different mailing address from my permanent address ; however XXXX years ago I received a modification and this was the same status at that time. I now feel that Wells Fargo is denying my modification unfairly since I have submitted everything requested. The rep keeps saying they need more paperwork but there is no specific paperwork being requested other than those that were already submitted.I have asked to speak with the underwriter or a supv over this dept but the rep has no information to provide regarding this.

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 04/29/2017 about Checking or savings account (Checking account) with BB&T CORPORATION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I have a Car loan with BBT and when I opened the loan account, they also automatically opened a checking account. They did not give me an opportunity to not open the checking account. I was told that the checking account was not going to have any fees associated with it.   I have paid my loan payments all on time and am close to finishing the loan. They started charging an " Account  Maintenance Fee ''  in  XXXX  for {$13.00} every month.   I did not authorize the fee nor was there a separate notice informing me of the fee. They snuck a short message into my regular monthly statement that went unnoticed since I get my statement emailed.   The message it 's is ambiguous and does n't clearly state why the fees will be charged other than " mortgage qualifier being removed ''.

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 06/21/2017 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: Inquiries not approved by me, some inquiries were removed and put back by Transuion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 09/23/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (AL).
Issue: Problems when you are unable to pay

Complaint: Avant would never work a payment arrangement that was in my needs. The interest rate was to high as well the payments. So I got behind then they sold my account to XXXX XXXX XXXX. XXXX ended up pursing legal actions against me. Well I ended up winning the case and turned out I did n't have to pay them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Closing on a mortgage

Complaint: On or aboutXX/XX/XXXX I contacted Quicken Loans on line. Explained my situation. Family buying home from family. Home worth alot more than money needed. I wanted to buy my house from my parents. They owed XXXX XXXX XXXX and wanted to get some money out of it for travel. I explained this to mortgage banker. She told me that we could use equity to pay off XXXX XXXX and money that i would borrow would go to them. " they will walk away with 35 thousand+ '' I understood that the equity would pay off XXXX XXXX pay closing costs and I would have my house back and they would have 35 thousand + to do what they wanted. I uploaded all required documents in the following days. We needed a new survey we need an appraisal house came in at XXXX XXXX. Quicken Loans gets a house worth XXXX XXXX for the XXXX that I borrowed and my parents got {$4900.00}. This was not was we were lead to believe. Quicken Loans lied to me, said that we would have 35+thousand dollars in cash and I would have a loan for my home. I feel like it smells a little like fraud. Spoke to Executive Dept at Quicken Loans and he says there is nothing they can do. Yes there is. They can do what they said that they would do and give me 35+thousand dollars for my parents.. They are the EXPERTS. Give me ALL the FACTS and be transparent. Do n't lie.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Credit card protection / Debt protection

Complaint: Wells Fargo opened an UNauthorized credit card account for my son. He had just turned XXXX years old, was a XXXX and had no job, instead took care of his sick father. He was not financially capable of repaying this nor did he have any kind of financial literacy regarding credit. This was in XX/XX/XXXX. I was not aware of any of this until he had a balance charged off. XX/XX/XXXX I sent Wells Fargo a letter stating that issuing my son a credit card was in violation of The Credit Card Accountability, Responsibility, and Disclosure Act of XX/XX/XXXX which states numerous criteria but one of which is that a parent must co-sign which I 'd NEVER do. I 've asked them to remove this from his credit report based off of the this, but they did not comply. XX/XX/XXXX, my son was approved to attend XXXX University which only XXXX applicants get accepted per year. His credit report was pulled, the Wells Fargo charge off appeared and they denied him admittance until this issue is resolved. Wells Fargo has a history of this type of behavior which I feel is predatory. Please assist me in getting this resolved immediately.

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 03/31/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Making/receiving payments, sending money

Complaint: Chase Bank while I was traveling on the road in XXXX without notice shut down my debit card and account last week without explanation. I had no means of using another debt card while traveling alone on the road. I also have no access to banking information. 
I was inquiring about a claim that week because the bank has taken too much time to resolve XXXX outstanding claims exceeding {$600.00}. I met with a banker, upon my return to XXXX, and the Branch Manager clearly stated that he did not know why my account was shut down ; and did not notice any unusual activity. In fact, the bank did not even give the banker a reason. I could not use my Debit Card at all and had a recent balance of {$940.00}. I had to withdrawal funds from my checking account this week of {$230.00} and have funds missing without even a withdrawal from my previous balance. I recently contacted the claims department and claims clearly, stated, " that the investigation of my claims will take 45 days '' when this time frame has already lapsed. 
I find this type of conduct from a bank unlawful, and I had no means to travel with a card to use for a car rental, which cost me {$250.00} of added travel expenses in order to obtain another card for a car rental, because I had to extend my stay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: We are considering selling our home. Our primary mortgage holder, Ocwen, modified the loan a little over three years ago. This resulted in {$32000.00} of deferred principal that has been forgiven over the last three years. Part of the modification includes an Equity Share Arrangement where we would share any price appreciation with Ocwen. Somehow, the home value was set at {$60000.00} when the modification went through, and the home has never been worth that little. Regardless, the problem we are having is figuring out how much we will need to pay Ocwen if we sell our house. Every time I call, I get a different answer. XXXX person says we will split the profit XXXX, another says there is no sharing because the reduction was forgiven, another told me the only way to find out is to sell my home and see what Ocwen sends me for a pay-off. Unfortunately, I have a second mortgage and sending a bunch of extra money to Ocwen means I ca n't pay off XXXX mortgages, so I ca n't sell my house. I 'm ok with that, except the only way I can find out if that is necessary is to sell my house and see what Ocwen sends me for a pay-off??? Why ca n't someone give me a definitive answer so I can move forward?

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Student loan (Non-federal student loan) with ACS Education Services (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have tried to work with my current student loan over a couple of years to receive contact information the the bank that holds my loan or to understand why I can not receive that information. I have not been receiving statements or information about my loan for several years & my student loan company has not providing me information. I recently reached out ( again ) to the company to understand more about my loan & my current interest rate. It took 2 months of run around to even get access to my account and when I did, I was shocked to discover it was XXXX points higher than I believed. I have asked to receive information about the interest rate or contact information for the bank that holds the loan. I was told I could n't not have it. ACS, as the servicer of the loan, could not make any changes, and did not have any information or contact to discuss the loan with the holding bank. I was repeatedly told I would just have to " find another bank. '' I do not understand why I can not speak to my current bank about my loan and potential changes, before seeking out another bank or refinancing!

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Unauthorized transactions or other transaction problem

Complaint: On the XXXX XX/XX/2017 I transferred funds from my account on XXXX to my account on coinbase.com. The funds never showed up in my coinbase account. I contacted XXXX  to ensure the transfer went through and was assured it had and to check with coinbase. 

I have sent numerous emails to coinbase requesting the matter to be looked at and have been ignored. 

I lodged a complaint with BBB and they too have tried to get the matter resolved and coinbase have ignored them. 

The transaction id is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Trouble during payment process

Complaint: Freedom Mortgage double dipped my bank account and took two mortgage payments when only one was authorized. They are stating the burden of proof is on me even though they 've acknowledged the error on their part in multiple recorded conversations on XX/XX/XXXX and 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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 01-09-2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: US Bank XXXX, CA branch manager has frozen my business & personal bank accounts due to a personal vendetta against me. My accounts have been frozen for three months. I have reached out to the bank but received no response as to why my account was frozen or when my funds will be released.

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 09/24/2015 about Credit card () with BARCLAYS BANK DELAWARE (DC).
Issue: Other

Complaint: The Barclay 's MasterCard card benefits available to me when I signed up this XXXX 2015 contained a 90 day purchase protection warranty up to {$1000.00} per claim. I have the paper documentation to prove this. I purchased about {$1500.00} of merchandise across several receipts ( over several different dates and stores ) that was stolen before the XXXX period expired. I called the number that I was told to call, and filed a report. I was told that my bank had listed the benefit to a max of {$500.00} per claim. That could n't be right, because when I log into my online account and download the PDF of my card 's benefits, it also says the same {$1000.00} max. Later, on a separate call, I was told by the card 's benefit contractor ( XXXX ) that I needed to file separate claims for each receipt containing XXXX items, I spent hours doing so, but that 's fine because it 's worth it to get all my money back. At the very least, they would get the smaller claims paid to while we argued over the cap on the XXXX large claim over {$500.00}. I called Barclay 's, and spoke with XXXX who confirmed that my information was correct -- that the cap was {$1000.00}. She started a conference call with their contractor to tell them the confirmed amount, that I was right, it was for a max of {$1000.00} per claim, which that combined with the other claims would make me whole. However, XXXX at the Contractor contacted me and told me that his colleagues had spoken with Barclay 's and that they had told them that their information, $ XXXX/max was correct, and that no matter what they had told me earlier ( to file separate claims ) they were likely going to combine all the claims I was told to file into XXXX claim, and that if I had a problem with that, I could call the Barclays. As stated above, I told him to look in his file for the call on Monday. Thankfully, they had this three-way call in their notes, but XXXX with XXXX could not tell me who I needed to call or ask for at Barclay 's, meaning I would be in the same runaround. Clearly, someone at Barclay 's is at fault for XXXX team not accurately reporting my benefits to XXXX, and XXXX is at fault for 1 ) not defining the scope of a claim in their card benefits fine print 2 ) fraudulently telling me to file XXXX claims at XXXX time knowing the situation full-well, even though they later told me they might combine into XXXX claim, despite numerous purchases, each under the {$1000.00} limit and XXXX me over in the process out of several hundred dollars. All told, between both of their mistakes, I 'm out around {$1000.00} for purchases that according to all documentation I have ever been provided ( again had this card around 3 months ) I should have reimbursed to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation