milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2017 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: No prior notice of default or dispute for note acceleration Prolonged prior loan modification by consistently stating that paperwork not received placing property in foreclosure. 
prolonging get contractor paid due to stating paperwork not received, paperwork done incorrectly per their instruction, losing draft, stated they never got it, but third party confirmed they sent it to him by mistake, this preventing sale of the property. 
Offered {$8900.00} move allotment which they received, but did not stand behind

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with Coinbase, Inc. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I was double charged on my account for all transactions I have made since XX/XX/XXXX using my debit card on https : //www.coinbase.com/ - I have attempted to contact customer support but they are extremely hard to contact, and I haven't been able to speak to anyone. I sent in a ticket already but I need this resolved ASAP.

These duplicated charges all occurred yesterday ( XX/XX/XXXX ), I will leave a list below of the transactions.

My initial purchases were debited from my account on : XX/XX/XXXX - {$500.00} International Service Fee Assessed {$4.00} on {$500.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$4.00} XX/XX/XXXX - {$300.00} International Service Fee Assessed {$2.00} on {$300.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$2.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX  at {$2.00} XX/XX/XXXX - {$370.00} International Service Fee Assessed {$3.00} on {$370.00} Trace : XXXX at COINBASE, XXXX, XXXX XXXX at {$3.00} - These are the duplicate charges : XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$370.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX  Not Categorized - {$300.00} XX/XX/XXXX Withdrawal Withdrawal at COINBASE XXXX XXXX XXXX XXXX XXXX Not Categorized - {$500.00} Please let me know anything else you need, Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Unknown late payment XXXX XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days Status Updated XXXX/XXXX/XXXX Balance {$510.00} Balance Updated - Credit Limit {$2100.00} Past Due Amount - High Balance {$1200.00} Monthly Payment {$26.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount - Comments

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: When trying to access an y credit score information regarding my credit account with Experian I get an error message after answerin g the verification questions repeatedly I even tried to access my annual credit report online and on experians website to no avail however when uploading proof of my identity in the dispute section they verified me and mailed me a report however I still can not access my score I s ee   XXXX   a ccounts are positively reporting with them so I know I have a file but every time I try to access my experian score on  freecreditscore o r on experian or   XXXX   scorecard I get locked out I need to be able to access my free experia n fico score I have similar problems with   XXXX    however  XXXX  has no problem identifying me I was able to access my report online they all have my updated mailing addresses to my   XXXX   XXXX   since we have reported that with the credit companies and an official change of address so I do  n't understand what is locking me out

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 Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: They mailed a collection notice with terms to my employer 's home address in another city. The letter was addressed to me at his address, my employer opened it. My employer put the open notice on my keyboard on my desk where it laid for XXXX days in my absence. 

They also mailed a notice with terms to my daughter 's address in another state. My daughter opened it and called me very upset.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (AL).
Issue: Account opening, closing, or management

Complaint: I have been trying for a number of years to geat a problem solved with Synchrony Bank formally GE Money Bank. In XX/XX/XXXX I purchased a XXXX which was financed by GE Money Bank. Due to circumstances beyond my control in XX/XX/XXXX I filed for XXXX bankruptcy and this account was part of that bankruptcy. I have been trying thru phone calls and writing the company to get them to pick up their property ( XXXX and trailer ). I sent a certified letter to the company at PXXXX GA XXXX on the XX/XX/XXXX which was signed for on the XX/XX/XXXX. The letter asked for the bank to either pick up their property or release the lien so it can be disposed of. As of this date I have received no response. Any help would be greatly appreciated since this has gone on for 10 years.

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 10/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was given a XXXX payment plan by Navient. The first payment was taken out of my checking account on XXXX XXXX, XXXX in the amount of {$65.00} and {$65.00} was to be taken out of my checking every XXXX months. Before the next payment was due I received a statement from Navient. Navient had changed the information ; I longer had a XXXX payment XXXX. The Loan Payment Plan is : **Consolidation XXXX, Loan XXXX XXXX {$49000.00}, Current Interest Rate - XXXX % Current Payment - {$50.00} **The Name of Loan - Consolidation XXXX, Loan Balance XXXX XXXX, Current Interest Rate XXXX %, Current Payment {$15.00}. 

Navient took the first payment of {$65.00} and has not honored the payment plan. The next payment was to be on XXXX/XXXX/XXXX. Navient has refused to take out the payment of {$65.00}. I received a notice from them stating on XXXX/XXXX/XXXX I will owe a total payment of {$500.00}. The notice was dated XXXX/XXXX/XXXX. 

Please help me to have my Consolidation XXXX honored.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Bank account or service (Checking account) with BB&T CORPORATION (VA).
Issue: Problems caused by my funds being low

Complaint: In reference to case number XXXX, you have closed the case although BBT gives me the run around and does not answer to charging {$36.00} per item when I opted out of the overdraft protection. In my view, you did a poor job. I did not report this to you so that you can compile statistics, I had hoped to get redress from the bank for abusive practices.

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 12/14/2017 about Student loan (Federal student loan servicing) with ACS Education Services (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have had a loan with ACS loan company which should now be Conduent? I have tried contacting them and their website service for logging in but it has been unavailable for a long time now. I have had an automatic payment with them for the last 5 years and have paid on time for every payment. This last payment did not go through and I can not get ahold of them. I gave them my SSN but their automated response is that I do n't have an account with them. I want to pay but I do not know what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
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: I received a fraud alert from CITI on XX/XX/XXXX about a transaction in the amount of {$690.00} on XX/XX/XXXX which I did not originally recognize, so CITI cancelled my credit card and sent me a new one ( my current card ). A few days later, I learned that my granddaughter to whom I had given permission to use my card, had used it to make that {$690.00} purchase ( XXXX XXXX order no. XXXX ). So I called and informed CITI that the {$690.00} charge was legitimate. This charge correctly shows up on my XX/XX/XXXX statement as rebill cm accepts ( XXXX ) and of course I am not disputing it. 

Also, at about the same time, on XX/XX/XXXX, my granddaughter cancelled the order and got an acknowledgement from XXXX XXXX. Subsequent to this, XXXX XXXX credited 75 % of the {$690.00} charge ( amounts to {$520.00} ) instead of the full amount as the product had already shipped and their third party retailer policy was to charge a 25 % restocking fee ( amount of {$170.00} ). This is the credit of {$520.00} which shows on my XX/XX/XXXX statement. 

Subsequent to this, upon my complaining about having to pay the {$170.00} restocking fee, XXXX XXXX sent a XXXX XXXX gift card on XX/XX/XXXX to XXXX XXXX as she is the one who had placed the original XXXX XXXX order no. XXXX. 

Therefore, the {$690.00} amount was fully refunded through a credit of {$520.00} to the CITI Card and a Gift Card for {$170.00}. 

There is no purchase in the amount of {$520.00} from XXXX XXXX or any other merchant for that matter. As such, the charge of {$520.00} on my XX/XX/XXXX statement is in error and I am disputing it and asking for an immediate credit in the same amount. 

I urged CITI to contact XXXX XXXX to verify everything I have explained and to contact me if further information was needed. 

I have repeatedly called and wrote a detailed letter, attaching all relevant information but CITI has not responded and the issue stays unresolved. 

I want CITI to credit the {$520.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Closing/Cancelling account

Complaint: I was issued a credit card by Fifth Third Bank that I did not apply for. I had co-signed a checking account for my XXXX mother about five years ago because she had trouble writing after her XXXX. She passed away XX/XX/XXXX. I notified the bank and they closed her checking account, but told me I need to call a special department at Fifth Third to get her credit card closed. It took me about 8 phone calls to get in touch with the department, as it appears there was only one man working there. I had to send her death certificate, which I did. 
About a month later, I received a credit card bill with my name on it. I had not applied for a card. It had finance charges. Evidently, my mother 's account, after being closed for four months, had been hit with a charge from her insurance plan ( that had also been cancelled ). Instead of refusing the check, the bank decided to charge my erroneous credit card ( the one I did not apply for ). I called the bank, they apologized and told me if I brought in {$47.00}, they would reverse all overdraft fees. I had to drive to the bank and do that. A month later, I received a credit card bill with fees and interest. The bank has received at least XXXX phone calls from me as well as faxes, in person visits, and escalated supervisor calls because I started receiving statements for finance charges for an account I did n't open. I 've spoken now to XXXX different representatives who apologize profusely, say the card will not incur any more charges, and yet every month, it happens again. It is now XX/XX/XXXX. I received a statement on XX/XX/XXXX ( and numerous subsequent emails ) saying there are now {$21.00} in finance charges. I am so, so angry. I never applied for a card. I did receive a credit card back when the checking account was first opened, but I shredded it because I did n't want it. It has never had a charge from me on that account. I do n't know why the bank paid out on a check that hit their bank four months after my Mom died, then charged it to a credit card they had opened in my name. When I spoke today to a representative, they said that Fifth Third would never do that. Well, they did. For the fourth time, I 've been told that the account is closed and all fees reversed. They 've apologized over and over. I do n't believe them and I am out of my mind with frustration. How can they do this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX/XXXX/XXXX I sent a letter stating i did not owe XXXX and asked for documentation. I did n't get any then I called and inquired about my IBR income based repayment plan and asked about a consolidation loan but then they told me that I would lose three years of being on the program this was in XXXX XXXX. On XXXX/XXXX/XXXX I asked for proof of my signature and they sent me back proof of only XXXX and beyond that point but only one signature nothing before or after that date. Then in XXXX I find out that the loans have been consolidated after they sent me proof of my signatures I asked for them to be removed. So i feel they consolidated them with out permission since they could n't provide me proof of prior loans on my file. They transferred me to the fraud department he took my name and work number. He did some investigating and he saw I called and inquired but I never signed to get them consolidated. He said since their is not signature on file he would reverse them. Now in late XXXX XXXX I get a letter saying sorry but there is nothing they can do they can not reverse the consolidation. I feel there were some errors on some loans and they took it upon them sleves to consolidate so they would n't have to provide the proof i was asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Non-federal student loan) with ReliaMax Holding Company (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: The school gave my son XXXX degrees after extending his classes for an extra year and extra charges for classes. It took him so long he was unable to use his computer degrees for a job because his classes were out dated. They were loans and he was only able to get a job at except at XXXX for minimum wage and part time. They have called our home phone and he does not live here, which I told them. They called my daughter who has a different last name and my son-in-laws cell phone. They call us daily several times using different numbers. No one gave them any information. I 'm tired of this harassment. Please help us. The numbers are : XXXX or 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 04-10-2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (AZ).
Issue: Account opening, closing, or management

Complaint: PayPal locked my account and will not give me access to my money. PayPal refuses to give me a mechanism to access my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with MIB Group, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: On my MIB report from the company XXXX XXXX XXXX XXXX report date XXXX XXXX 2017 states that I have a XXXX XXXX. This report is wrong I have never had this medical condition.. Please remove this false statement from my MIB report. 
Thank you MIB Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Credit card () with CITIBANK, N.A. (MD).
Issue: Transaction issue

Complaint: Used my citibank American Airlines card to make a purchase for a vacation plan in XXXX in XX/XX/2016. Came back to the XXXX and found out that the companies made promises that they were not willing to actually do. A third party company was used to sell the services. There phone numbers are n't answered during business hours and Citibank and myself could not get in touch with them but the company that they contract was with keeps referring me back to them for the services that are supposed to be " free '' and basically I have gone back and forth with them about that. CitiBank reps are only hearing them tell me how to " access '' the services but when I do that they tell me that I have to pay although the contract states that it is free and no additional fees. On yesterday XX/XX/2017 after almost 4 months someone by the name of XXXX answered the phone at the XXXX place which Traveler 's Choice International calls " XXXX '' and I asked for my credit card to be refunded the {$2900.00} that I paid based on the fact that Traveler 's is not willing to honor the free flight and that is what I agreed to and she stated that she would send the request over to the accounting department for me card to be refunded. The issue is I told the CitiBank representatives that they keep telling them falsehoods on the phone but when I try and call to access the services either the phone is out of order or they get on the phone and tell me that I have to call the third party to access the service. I am not sure it they will provide the service which is the reason for the disputes that I continue to file. The first time I filed the case with CitiBank it was filed incorrectly and a new customer service employee was notified on XX/XX/XXXX and supposed to have a supervisor from his team to contact me and I have heard from no one with them as of yet.

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 12/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I contacted Ditech back in XXXX to request assistance as I had lost my job and was in the process of starting a new one as a XXXX XXXX XXXX which was XXXX. I had lost my job in XXXX and had been paying my mortgage out of savings but after paying XXXX I would not have the money to continue until I earned income as a XXXX. I informed Ditech that I would not likely receive any income until 6 months from my start date. I then proceeded to provide them financial information for myself, my husband ( who is not on the loan ), and my parents who live with me. Initially the information was submitted through their document upload system and the system showed that the documents were under reviewed. However a month later we receive a call from XXXX XXXX stating she was our loan counselor and that the documents ( although their system has provide proof of receipt - which we printed ) were not fully received and that we needed to resubmit. We proceeded to fax the documents. Once again approximately 2 weeks later XXXX XXXX called again stating they did not receive a complete package. We then requested an email address which we could submit the information to. We emailed all the information requested, including multiple copies of Form XXXX authorizing them to obtain 5 years of our taxes. Time elapsed and we received no answer from Ditech. Instead we found an note on our door saying they had been by to inspect the property and that we were to call them to address our delinquency. I sent XXXX XXXX an email requesting clarification on this and she never answered. We are now 45 days late.I sold my car and used part of the proceeds to pay XXXX and XXXX. Now that we are current on our loan we receive a call from XXXX XXXX requesting a non borrower credit check for my husband and copies of his SSA award letter. We are now XXXX and XXXX XXXX calls again and says if we want my parents income included in their decision we need to provide them with copies of their bank statement, a non-borrower credit check and their SSA award letter. I spoke with XXXX and said I did not want to have their information included and that I wanted an answer ( approval or denial ) from them. Close to 60 days have elapsed and we have received no information from Ditech. We are currently behind for XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: diversified consultants is collecting for XXXX. acct was back in XXXX I had no service or signal so I purchased air wave equipment to obtain signal. XXXX stated I needed a secondary line to connect the equioment. XXXX denied me access saying my account was not eligible. XXXX failed to provide a signal that would allow me to reach any service, therefore I canceled my account. I do no know what charges could of created such a high balance of XXXX I am not liable for any termination fees as XXXX breached their own contract. I am unable to obtain records since my account is inactive status. diversified is only a middle man however such disputed verified acct is damaging my credit and they refused to remove it. this account is also past statute reporting and was illegally reaged.

Company response to consumer: Closed with non-monetary relief