milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have asked Nationstar for assistance for a few months now and they have agreed to help me. Unfortunately my health has been deteriorating rapidly due to the amount of stress I have been under. This made it very difficult for me to get the required documents together in the time provided. All of this stemmed from my wife 's poor health as she was diagnosed with XXXX and subsequently the XXXX of her XXXX XXXX. For me this placed me in a very bad situation as I suffered a XXXX which XXXX and took over XXXX. All this not being enough the mounting medical bills and depleting money reserves placed me further and further back on my financial obligations. Now as I regain my XXXX I find that Nationstar has opted to sell my home on XXXX XXXX 2016. I have tried to speak to my assigned representative with Nationstar XXXX XXXX to get the assistance I need but I fear that I 'm too late. This did not happen intentionally as I do have proof of what has happed to me and my wife by medical records and bills. At this point I have tried everything within my power to maintain my home and I 'm now in the hands of Nationstar 's trustee XXXX to keep my home that I have worked so very hard to get. I have lived in my home for 18 years and have never had a problem or delinquency on my mortgage but now that I face losing my home I feel as I have no option. I was advised to contact your institution to see if there is at least a small hope of an opportunity to get back on track and retain my home. I 'm a good member of my community and have always been responsible for all my financial obligations. Please speak to Nationstar to give me the opportunity that I need to retain my home and get back on track with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: Occ # XXXX PUBLISHED XX/XX/XXXX XXXX XXXX XXXX  I just discovered another listing of XXXX XXXX XXXX in my files on XXXX dated XX/XX/XXXX stating the property is owned by XXXX XXXX XXXX. 
( I've never done any business with XXXX XXXX XXXX  ) and would like some answers. 

At the top it gives the same listing property id XXXX that XXXX XXXX had on his purchase agreement that he presented to XXXX XXXX XXXX court time stamped XX/XX/XXXX @ XXXX claiming he bought the house for XXXX, and that I am absolutely sure was conducted in his handwriting. 

I notice at the top is XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX cell or XXXX XXXX XXXX I have never had any dealings with XXXX XXXX XXXX XXXX   XXXX XXXX listed and would like to know how they came into the picture. 
Please explain to the cfpb for me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (NC).
Issue: Loan modification,collection,foreclosure

Complaint: In 2013 my wife and I moved to XXXX to help our son with his XXXX children who was recently divorced. Because of his job requirements to travel often during this particular time frame we decided to rent our home for a few years or at least until they were old enough or until his travel requirements would change. A few months after we moved we got behind so we submitted a request to our lender for a hardship mortgage modification because of my wife losing her job and soon became XXXX from XXXX a year before. Making mortgage payments soon became a struggle. We soon became desperate and eventually heard about a company via a radio ad called XXXX XXXX out of XXXX Utah. Needless to say it was the biggest mistake I have done in my life. They painted a rosy picture of course and it sounded so promising. They inform not to make any Mortgage payments and not to contact anyone but them and they would do everything. All we had to do was pay m a money instead of making regular mortgage payments. we 're at the brink of losing our home. Both of us are over XXXX and our credit is about to be ruined over this. can someone please shed some light on this situation for us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Debt collection (Credit card) with Nations Recovery Center (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I, XXXX XXXX makes a claim against Nations Recovery Center, Inc. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is XXXX XXXX XXXX. This debt buyer has been riddled with deceptive collection practices and sued by XXXX offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector Nations Recovery Center , Inc., as well as from XXXX XXXX XXXX. It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The XXXX had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Late fee

Complaint: I was tricked into getting this card. when I got the offer, I called to ask when the XXXX payment would be due if I purchased that day XXXX and was told XXXX. Nope XXXX bill was due less than 30 days and there is " no grace period '' before a late fee is assessed. 
So after negotiating late fees and interest after no other charges have been made since XXXX, I have had to call every month to get a late fee waived due to how I am paid ( bi monthly ) and the due date. 
My bill is now {$110.00} with a {$35.00} late fee due to my missing the min payment by {$4.00} and I am being assessed interest on no new balance. 
I advised I could pay the balance owed MINUS the late fee and interest and they refused to waive the fee. 
I was also advised that my refusal to pay these XXXX fees would reflect on my credit report as a balance due. 
1. CAPITAL ONE are frauds 2. They have no grace period 3. They prey on the poor 4. I was told interest was charged on new purchases 6. I was told in my last conversation with capital one on XXXX that I had a grace period. 
7. I continued to state that the XXXX would be the better due date if I paid the bill from my XXXX pay. 
8. I have {$77.00} for you. Nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (OK).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On XXXX XXXX, 2017 I received a letter from Hillcrest, Davidson & Associates which used language that tried to make me think they were a law firm. I spoke with an attorney and found out they were a collection agency. The letter said they had been " retained '' and that I had a " pre-litigation claim '' with their office. It also said they would begin " the legal process '' if I did not pay within 20 days. I have 30 days to dispute the debt but that was not on the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MA).
Issue: Fraud or scam

Complaint: I sent a $ XXXX wire transfer to my Coinbase account on XX/XX/XXXX. It was sent from a brokerage account that I own on XXXX ( wired through XXXX XXXX XXXX ). 

I got an email from Coinbase on XX/XX/XXXX informing me that my wire had been reversed because there was a mismatch. 

Its been more than a month and my funds have not been sent back to my account with XXXX. 

I have contacted Coinbases customer service 4 times ( on the mail and on the phone ). I have mostly received automated emails back that dont address my problem. 

I have also contacted Coinbases clearing bank, XXXX XXXX, to inquire about my transfer but they pointed out that Coinbase is in possesion of my funds and have not sent them back. 

On XX/XX/XXXX, I spoke to a representative from Coinbase on the phone. She said my case would be transfered to an specialist with the highest priority and that they would follow up with me soon. 

So far, I have not heard from an specialist and have not received my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Your agency has yet to produce any solution from Bank of America. I 'm wondering if this is to big of a task for this agency. 
Bank of America has just increased my loan payment more than 3 times the rate. Bank of America informed me this was an interest only loan and did not explain that it was only for 10 years. Bank of America will not assist me in helping. Bank of America suggested I default on my loan before I can receive help. 

Bank of America has assigned and then switched approximately XXXX different managers or employees to help me. 

Bank of America took over 1 year to decline my loan modification. Perhaps this needs to be repeated. BANK OF AMERICA TOOK OVER 1 YEAR TO DISAPPROVE MY LOAN MODIFICATION. This is unjust to say the least. As a result, I now have to pay tripple the amount. I could have shopped for alternative a year ago. 

Please hold this bank responsible. Enough is enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I used to have s secured credit card with Wells Fargo and this account was send to a collection agency without my knowledge and report as credit loss by the institution. So I request this account to be removed from all my credits bureau.

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 05-02-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Using a debit or ATM card

Complaint: My card was lost and I reported it missing with my bank. They did an investigation and first gave me the payment then made a decision to reverse charges. These are charges that I did not make during the time my card was missing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: APR or interest rate

Complaint: Capital One was not clear about their promotional offer for 0.0 % APR for 18 months. I just bought a house and was going to use the offer as a free loan to buy all the furniture I needed for an empty house. After spending XXXX in one month, I received a bill for the " Purchase Saver Amount '' for the full amount ( or I would pay interest ). When I signed up for the promotion, I was under the impression that I would not have to pay any interest on future purchases for 18 months. After an online chat and a phone call with Capital One, I was informed that the offer only applied to balance transfers and did not apply to future purchases. Not only would I not have signed up for the promotion whatsoever had I known that it was only for balance transfers, but I also would not have spent XXXX in one month! I saved the promotional email which is deceiving. It explicitly states " Want to avoid paying interest on new purchases? If you accept this offer, you can avoid interest on new purchases. Pay the Interest Saver Payment ( your minimum payment plus all non-promotional balances, including purchases, cash advances, fees, and finance charges ) by the due date each month, and you wo n't pay interest on new purchase transactions '' I do n't need a promotion to pay my credit card balance in full every month. I can do that without jumping through hoops to sign up for their promotion. This is the most deceiving fraudulent experience I have had in a long time! This deceptive tactic tricks users into signing up for a promotion where they believe their problems are over and they will have 18 months of no interest, so that after the users ( who probably would n't have spent the money anyway ) rack up a massive credit card bill, they tell you you must pay the entire balance to avoid interest! Truly unethical. This practice needs to be stopped. Companies like this are why the average American is in XXXX of debt. I lost {$300.00} balance transferring the amount away from my Capital One card onto other credit cards that " actually '' are giving me 0.0 % APR. I will be closing my account ASAP. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SD).
Issue: Problem with fraud alerts or security freezes

Complaint: At the beginning of XXXX, credit bureaus has a massive security leak, and lost sensitive data on millions of Americans. The only thing I can do to protect myself as a citizen, is freeze my credit. My issue, is that all of the credit bureaus are charging for these freezes. Freezes that must be made because of their negligence. It should not be legal for them to charge, because of problems they caused. Also, they have made it almost impossible to use their automated systems for freezing your credit. These credit institutions are obviously taking advantage of the system and the American citizens that make it possible for them to exist. This is disgusting, and must stop ...

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 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX withheld information about a security breach which lead to 143 million SSN 's and other personal information to be stolen. 

I was not informed of this and my information has been mishandled, which could leave to a lifetime of difficulty with battles regarding identity theft. I demand action be taken against 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 12-04-2017 about Debt collection (Other debt) with Rent Recovery Solutions (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX Rent Recovery {$3400.00} I notified leasing office of mold infestation was on a month to month lease, got charged for the filing of the eviction even though its marked as a broken lease and got charge two months in advance on a month to month lease. Informed the complex prior to moving that if problem were n't changed I would be moving due to health reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problems caused by my funds being low

Complaint: Dear CFPB, ATTN : Wells Fargo Re-Ordering Transactions to Increase Over-The-Limit FeesI 'm still trying to get the fees reversed but regardless of outcome, I believe Wells Fargo should be investigated for " still '' illegally re-ordering transaction in order to manipulate limits to increase their over-the-limit fees and profits, despite loosing lawsuits pertaining to just this in the past -- in the order of magnitude, exceeding {$200.00} XXXX -- and furthermore despite agreeing in court to stop this exact practice. I had XXXX debit transactions go through the same day, XXXX of which " gas '' usually goes through first.. in almost every prior case, usually XXXX to XXXX days prior to the latter which for reference is my " car insurance ''. This day my account proved to be low in funds, being a few days behind in collecting my paycheck, and the largest transaction went through first and therefor my account was charged again in excess overdraft fees. It 's only {$100.00} in fees to be fair but it is so clearly a breach of the " Credit Card Act of 2009 '' and so I felt an obligation to call attention to it. 

Where the breach legally occurred : Credit Card Act of 2009, section 7. As follows : " ( 7 ) RESTRICTION ON FEES CHARGED FOR AN OVER-THE-LIMIT TRANSACTION. -- With respect to a credit card account under an open end consumer credit plan, an over-the-limit fee may be imposed only once during a billing cycle if the credit limit on the account is exceeded ... '' This was done twice. 

And Section 1 as follows : " no such fee shall be charged, unless the consumer has expressly elected to permit the creditor, with respect to such account, to complete transactions involving the extension of credit under such account in excess of the amount of credit authorized. '' I did not, and I opted out of their overdraft already. 

Furthermore, section 2 as follows : ' ( 2 ) DISCLOSURE BY CREDITOR. -- No election by a consumer under paragraph ( 1 ) shall take effect unless the consumer, before making such election, received a notice from the creditor of any over-the-limit fee in the form and manner ... '' Pertaining to re-ordering transactions, regulations section XXXX as follows : ' ( B ) [ Law shall ] prevent unfair or deceptive acts or practices in connection with the manipulation of credit limits designed to increase over-the-limit fees or other penalty fees. " Researching, I found also that a high ranking official of WF as another keynote, stated : " If multiple transactions come in at the same time, then Wells Fargo will process the lowest dollar amount first, said company spokeswoman XXXX XXXX. " Simply put and pretty obviously, they are following the money, not the law. 

Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/27/2016 about Credit card () with U.S. BANCORP (MN).
Issue: Other

Complaint: I have XXXX XXXX Bank Credit Cards, serviced by Elan Financial at XXXX XXXX XXXX XXXX, XXXX ND XXXX. I am current with all my payments. Over the past several month they have done XXXX or XXXX " hard '' credit inquiries with the credit bureaus. When I talk to the credit card service center they tell me there is only XXXX hard inquire done when you initially get your credit card. After that, they do soft inquiries which do not impact your score. This continual hard inquiries sometimes twice a month is driving down my credit score and making it difficult for me to do business. I sent them a letter a month ago with no response at this point. I ca n't seem to get anyones attention. 

When I sent the letter to Elan telling them the problem I attached a copy of my credit report highlighting the enquires. I do not have that with me here at the office today to attach.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am sure that I am not the only person having this problem. Soon after the XXXX data breach, I attempted to access my free annual credit report. None of the services were able to provide the report due to an excessive number of requests, which was to be expected. However, returning to retrieve the information again, the sites are indicating that I have already received my free reports. I have not. 

This is ridiculous. This is my data. It is terrible that consumer 's data is being held hostage, is not being adequately protected, and is being sold as a commodity. Something must be done to correct this! If companies, like XXXX, are not adequately protecting this data, we the consumers should be allowed to view its status any time we want without a fee in order to protect ourselves.

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