milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (KY).
Issue: Shopping for a loan or lease

Complaint: 36 times since XXXX 2016 have tried to buy car XXXX of the XXXX credit bureau shows I 'm not listed by Chrysler Capital I have paid 2 1/2 years on this loan Chrysler Capital is treating me like a nobody but they accept my payment to which have been made on time at this time I want to be left as a " NOBODY '' My rights have been violated By Chrysler Capital and If Chrysler Capital puts anything about payments back in credit bureau they will be admitting they have done me wrong my next step is to get a Lawyer if Chrysler Capital wants to talk to me it will be eye ball to eye ball I accept nothing From Chrysler Capital until " HELL '' freezes over THank You CHHRYSLER CAPITAL FOR NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Mortgage (Conventional home mortgage) with loanDepot.com, LLC (OK).
Issue: Trouble during payment process

Complaint: I XXXX XXXX am a resident of the state of Oklahoma. Over the past two years, I went through a divorce where my financial affairs were thrown into conflict. Upon the completion of this divorce, and after assets were split, whereas I had no choice but to dissolve a retirement plan, I was damaged from serious Internal Revenue Service fees and penalties. My mortgage was behind, and eventually my affairs got better. In XX/XX/XXXX of this year I retained a law center that specialized in financial workouts where a bankruptcy petition would become necessary. A modification package was requested as it was stated in a letter from the Firm, ( See Attached ) that I desired to start making payments on my mortgage and to modify the current mortgage, hopefully at a reduced interest rate. 
This past Sunday, XX/XX/XXXX I was served with a foreclosure action. I was stunned as the original request for a modification package was ignored. There was an email on the legal letter showing an email where the modification package could be emailed, XXXXXXXXXXXX. 
Since Oklahoma is a judicial state, I believe that I have no option but to defend against this foreclosure. When the letter of XX/XX/XXXX was mailed and received, there were protections under the revised Fair Debt Collection Practices Act of XX/XX/XXXX. At the time the notice was given of my changed financial situation, my rights on a cease and desist on any foreclosure action was a reality. 
I recently received a call from a representative of Loan Depot requesting a payment on my mortgage, where this representative stated that once I made this payment, my modification would be approved without any input from my attorney. I stated that all calls then should be given to the Firm instead. 
I respectfully request the Consumer Financial Protection Bureau to review this complaint and forward to Loan Depot, since this egregious foreclosure action will only add to unnecessary stress as well as additional legal bills. I request that my modification package be sent to the email address immediately. 
The foreclosure action should be retracted immediately, and I desire a timeline to submit all my financial documents to procure a modification on my mortgage within federal FDCPA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: For the past two months I have been late paying my credit card bill because when I try to make the payment I can not access them on line I have tried in three different computers and networks and the site times out. When you call them they make you pay a fee to pay your bill. It 's getting out of hand because this causes me a hardships with penalties and late fees. I have paperless billing now so I have no idea what is going on with my account. My credit is at risk, they need to have the site fixed and stop denying that it 's the user. There are people on the internet that is having the same issues. ppl I do n't know. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report has the incorrect employer listed -- an employer I last worked for 14 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: City of XXXX. property tax dept. notified me of a refund for XXXX prior years available to me. I was given by the city all the steps to obtain this refund and notified M & T bank/ mortgager and obtain all needed documentation from M & T Bank and sent everything to the XXXX . Property tax revenue dept. I obtained lettered permission for the refund to be sent to me by M & T bank. Followed up to find process/and check was approved but notified that the check will no longer come to me but to M & T Bank per a petition filed by M & T Bank on their own after my petition was submitted. Per the city the check was made out to M & T Bank and has already been sent to them. The bank denies the submission of an alternate refund request and denies of any change in payee. M & T states they will keep the check and not sent it to me but place it into my escrow account and will do a 2017 review and lower my mortgage payments for just one year instead of returning the refund. The bank continues to deny why the switch happen and continues to deny any check received from the City of XXXX Revenue Dept. I have documentation of the approval letter from M & T giving the Dept. of Revenue permission to send the check to me. I believe this is a fraudulent move by the bank to obtain funds for property taxes for a period of 3 years totaling over XXXX dollars that has already been paid through my past and present mortgage payments. I suspect that I am not the only person to expeirence this bate and switch. The City of XXXX Dept. of Revenue and M & T bank are blaimiing each other for this event. Numerous calls to Bank and Dept. of Revenue for the City of XXXX. has not fix the issue above. I need assistance to get the full amount issued to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with Universal Recovery Corporation (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: 2013 This account is not mine. My wallet was lost and someone used my identity. Can you please remove this from my credit report is is affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Debt collection (Payday loan) with Global Recovery Group (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: They keep threatening with arrest and with police action and w/court action.

Company response to consumer: Untimely response
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Other transaction problem

Complaint: I opened an account with coinbase.Com and XXXX  XXXX XXXX XXXX is owned by coinbase. 
I believe I opened the account in XXXX or early XXXX, I wired XXXX XXXX dollars in XXXX transactions. 
With that I purchased XXXX bit coins, XXXX etheric and approximately XXXX light coins. 
That was on XXXX XXXX I first purchased XXXX bit coin and XXXX or XXXX light coin on coinbase I than sent another XXXX to XXXX XXXX wired to finish my purchases of which I still have approximately XXXX or XXXX in us dollars still availible in my XXXX XXXX account. 
On XXXX XXXX XXXX I tried going on to my accounts and it said contact coinbase something expired. 
I called the so called support and confirmed my account was frozen, with no explaination I was told I 'd be contacted by support by email, nothing came so I again called and go the same runaround support will contact me. 
So today XXXX XXXX XXXX I called again and was told the more I call the longer I will wait. 
I also received XXXX bit cash coins as bit coin split, my account value as of today is Approximately bit coin XXXX Ethereum. XXXX Light coin. XXXX Bit cash. XXXX Grand total. XXXX us dollar value I so annoyed I ca n't trade no explanation I 'm missing out on fluctuations

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I received a call from Chase Amazon Visa asking me to call them back today ( they left a message on my vm ). After 6 ( SIX ) calls and at least 45 minutes on hold, I am no closer to understanding what the problem is except it involves some sort of charge dispute. The last person I spoke with identified homself as XXXX XXXX from XXXX OH, and he placed me on hold for 14 minutes straight. I would like Chase to reapond to calls without placing customers on hold, and find out why they called me in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (Medical) with Firstsource Advantage, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Todays date : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ONE ADVANTAGE LLC account numbers are XXXX, XXXX, XXXX and all account pertaining to my social. 
I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXXXX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 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 07/28/2015 about Mortgage (Reverse mortgage) with Liberty Home Equity Solutions, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband XXXX XXXX entered into a Reverse Mortgage Agreement with XXXXLiberty XXXX in XXXX of XXXX. In order for him to obtain the Reverse Mortgage, my name had to be taken off the deed because of my age XXXX less than XXXX years of age at the time ). My husband XXXX passed away on XXXX XXXX, XXXX due to XXXX. XXXX/Liberty XXXX is attempting to foreclose on my childhood home that has been in my family for over 3 generations. 
I have attempted to keep my home by being told in the beginning that I could obtain a loan of 95 % of the appraised value of my home after my husband 's death. I also filed " probate '' of my husband 's Will ( even though he had no life insurance ) but I probated his Will incurring additional expenses in order to give me authority to sign a sales contract from his estate to myself -- this was done only to find out later ( after executing about 3-4 sales contracts ) that there is no way that I am able to obtain a mortgage on my home as it is must be a " short-sale '' and it is too " complicated '' of a transaction ( arms-length ) transaction. I did not pay real estate/county or borough taxes since my husband 's passing because I did not want to incur additional expenses only to find out that I would still be unable to live in my childhood home. Now my home is set up for a " sheriff 's sale '' on XXXX XXXX, XXXX for " unpaid real estate taxes. '' I spoke to XXXX/Liberty XXXX today ( XXXX XXXX, XXXX XXXX and was told that I need to pay all delinquent taxes in order to stay in the home but even if I pay the delinquent taxes that there is no guaranty or assurance that I can remain in the home and it is entirely up to HUD. I am not in a financial position to pay delinquent taxes and then to later find out that HUD still refuses to allow me to maintain residency in my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (DE).
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 made a purchase on a dinning set from XXXX XXXX in Pa and while at the store I left a {$1900.00} deposit to order the furniture. I paid the remainder of the balance in Full per the store request as they wanted cash and I refused so the excepted a check. approx 12 weeks later I received deliver and as they were unpacking to set up the dinning set, I notice it wasn't what I ordered and paid for so I disputed the charge. I can them everything they requested including picture of what I received and what I wanted. XXXX is in breach of our contract agreement as they refused to dispute the charge to date.

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 08/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (NJ).
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 ordered a pair of shoes from XXXX and paid with PAYPAL credit- the shoes were sent in the wrong size ( box said one size shoes another. ) I was willing to send shoes back at the sellers expense. I contacted the seller and they did not resolve this. I filed a dispute with PAYPAL and their response DID NOT even address my issue. It was clear they did not even read my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Credit card) with Monarch Recovery Holdings, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as XXXX XXXX XXXX XXXX and a debt collector named Monarch Recovery Management , Inc . 
Monarch XXXX Management , XXXX, claims that they are collecting a debt on behalf of a debt buyer named XXXX XXXX XXXX XXXX. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as Monarch Recovery Management , Inc . 
I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the millions of dollars. I demand that my files must be purged by XXXX, XXXX XXXX XXXX XXXX and Monarch Recovery Management , Inc. permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all three entities.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (FHA mortgage) with LoanCare, LLC (MI).
Issue: Trouble during payment process

Complaint: on XX/XX/XXXX my mortgage was sold to Loancare, it has been a mess ever since. My home owners insurance was not getting paid out of my escrow I began getting notices from my insurance company starting XX/XX/XXXX, being nave I thought it would clear up and with all of the changes it would get paid within the allotted time, I got a second notice the following month so I took action and continued to call Loancare to force their hand in paying. After being lied to about the payment being overnighted I had to call over and over finally the payment was overnighted and received by my insurance on XX/XX/XXXX. They have over drawn on my escrow account because instead of paying my insurance when it was supposed to be paid, they paid my taxes in XX/XX/XXXX that were n't due until XX/XX/XXXX. 
I am currently battling with them to process my house payment that was due XX/XX/XXXX and I paid it through my bill pay on XX/XX/XXXX which was an electronic payment and slotted to get to the mortgage company by XX/XX/XXXX, my late fees will begin on XX/XX/XXXX. I called Loancare on XX/XX/XXXX and they told me they never got it, so I called my bank and they confirmed that the money was transferred to the correct place. My bank has sent over all of the information to Loancare and now I am waiting for this to get straightened out. Late fees are not an option when I paid on time and I can prove it with bank statements. 
Loancare is almost impossible to get through to, and when you finally get through they tend to hang up on you or blatantly lie to you.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a XXXX year public servant With who qualifies for the Public Service Loan Forgiveness program. However Navient entices me to re-finance into a loan product that does not qualify for the program, therefore costing me approximately {$130000.00} in loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (ME).
Issue: Loan servicing, payments, escrow account

Complaint: my mortgage company has a different deed description for my land parcels than i have on my tax bills. I believe the town tax administrative clerk is sending false information to my bank to allow for manipulation of ownership.

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 06/25/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CT).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 I applied for a Citigold Checking Account online and provided the code I received for a promotion of XXXX XXXX after spending {$1000.00} dollars in purchases and making XXXX direct bill payments. Citibank accepted my application and I printed the page where it stated that I had responded to this promotion. ( see attachment ) I completed the requirements for the promotion. ( see transcript of chat attached ) I sent a secure message to Citibank asking when the miles would be deposited and they answered that I " was not targeted for the promotion ''. 

This answer is not acceptable. They accepted my application with the promotion and their customer service representative confirmed I met the requirements. 

I opened XXXX investigations and still have not received a favorable result. 

I expect Citibank to honor this promotion. This looks like a dishonest marketing strategy to attract customers to open an account that has a $ XXXX monthly fee.

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