milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/20/2016 about Mortgage (FHA mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX I was approved for a 3 month trial modification on my mortgage. I completed ed my trial successfully and now my mortgage is 7 months in. Since my monthly payment was 50 % of my current income I had applied for a monthly mortgage reduction in XXXX XXXX and was granted starting on XXXX XXXX. XXXX. When I went to make my XXXX payment online thru there website the option was not available. I was told there site would be down approx. XXXX3 weeks, so they suggested to make the payment by phone. When I called the representative they had the old payment and not the new payment updated. They said they could not find the new notarized modification I mailed backed to them last month. Today I had it scanned and emailed this to them and they still are demanding I make the old monthly payment. I currently have XXXX neighborhood housing in MD trying to help with this but they are not getting anywhere with them. I have made XXXX on time payments and I do not want to go into default. I do n't know if this is a game there playing.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On the XXXX XXXX 2016, while trying to get my report online, XXXX XXXX kept telling me " unable to complete your request '', I then tried Equifax and XXXX and both of them asked questions that dont pertain to me in any way whatsoever. 
I then called XXXX ( XXXX XXXX 2016 ) and ordered my free report. Today is the XXXX XXXX and none of the companies have set a report to me. I tried to speak to a human at XXXX another which is impossible. 
I tried calling all XXXX credit reporting companies and even attempted to use the their XXXX websites which redirects me to the the XXXX website. 
I was advised to file a police report and need the credit reports to do so,

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I am a victim of Identity Theft. I filed a police report and submitted an identity theft affidavit and the other required documents. Transunion was slow in getting back to me and when they did they left XXXX bankruptcies on my credit report. I contacted the bankruptcy office and they sent me a letter stating that they do not report to credit bureaus and asked me to send the letters to all three bureaus. The other bureaus removed the information. However, Transunion reps were very rude and uncooperative. They lied at first and said that they had not received the letters from the bankruptcy office. Then they put me on hold for a very long time. They are very rude and unprofessional. Please help as they are clearly violating FCRA laws.

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 08/17/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX, consumer had in collections, was about to expire, due to debt being 7 years ago, when a new credit bureau picked up and began seeking action. Consumer was in the process of buying a home, and this impacted my credit in a negative way. Consumer settled debt, and now company is not removing from credit profile asking requesting by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received debt collection notices from a number of agencies for a credit card debt that I do n't owe. I have sent inquiries regarding documentation connected with this debt and have been ignored several times which prompted a new collection agency to contact me regarding this debt despite assurances from some of the agencies that contacted me earlier that I was billed in error ( different middle name ) and they would resolve the matter. The latest collection agency only gave me the option of filing an identity theft complaint form despite my informing them that this is n't the case! I wish to make a formal complaint to all of the associated parties and the original company that issued the debt notice.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2018 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: I am currently investigating and building a case against TransUnion for willful, negligent and reckless non compliance of the FCRA in regards to my credit file. The response or non response to this CFPB complaint from TransUnion, as well as the documents I have provided in this complaint will be forwarded to the attorneys at the law firm of XXXX XXXX XXXX XXXX. as well as my attorney XXXX XXXX of New York. I will also open a formal complaint with the FTC. 
TransUnion refuses to delete their inaccurate reporting of the account XXXX XXXX XXXX even after I have provided them with factual documented proof. They keep verifying their investigations of my dispute based on hearsay. Attached to this complaint is a copy of my last complaint with the CFPB regarding this issue as well as factual documented proof of their inaccurate reporting.

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 11/19/2015 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (CO).
Issue: Application, originator, mortgage broker

Complaint: I am frustrated at the general consensus that mortgage companies are allowed to collect their interest upfront and not refund the money back if the loan is paid off early. Why are mortgage companies allowed to collect interest on money that has not been lent. Meaning that they should only be allowed to charge interest on the loan as it stands current. Not collect the interest on a note based on 30 years even if it is paid off in 5. I just think that as consumers the mortgage companies should be giving us a choice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Mortgage) with Genesis Credit Management, LLC (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/2016 I went in to make a payment to " XXXX '' in the amount of XXXX, they accepted my check and gave me a receipt. On XX/XX/2016 I got a email stating they had my check in front of them but have not cashed it. On XX/XX/2016 my check in the amount of XXXX was cashed ( by XXXX ) and then sent me to collections on XX/XX/2016 by ( Genesis Credit management ) XXXX and I were on a payment plan for every month in the amount of XXXX due the XXXX of every month. Because I did not sign their promissory note fee but made my first payment they still sent me to collections. XXXX a Account Representative with Genesis credit management then called my cell phone multiple times and because she did not hear the answer she wanted to she then decided to call me at work, I believe three times I talked to her and every time asked her NOT to call me at work and that she had my cell phone number and two other times my coworkers told me she called while I was off. After multiple times I asked her not to call my work phone she then starts harassing me telling me " I heard about you and I 'm not scared of you '' ( Something along those lines. '' Which I am guessing she was meaning after talking with ( XXXX. ) she then called my work harrsing my HR team, telling them " They legally have to give her ALL my information, and being extremely rude. I have not heard from XXXX or her team since.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: We opened  the American Express Simply Cash Business C redit Card on  XXXX / XXXX / 2016  with the offer to get a {$250.00} statement credit for spending {$5000.00} within the first 6 months of card membership. This offer was good for applications submitted through  XXXX / XXXX / 2016 . We spent {$5000.00} in the allotted time period, whi ch American Express confirmed for us on several occasions. However, we never received our statement credit. Had AmEx open an official case to investigate. They nev er contacted us back. I called them to inquire. They had closed the case saying they could n't track our card opening back to the proper source code. I asked to speak to several levels of supervisors until I was told that there was no one there who could assist me, but that I would receive a call back with in 48 hou rs. Now, a few months later, I am still waiting. This is unacceptable. I have wasted so many hours over the la st six mo nths trying to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have been making ACH payments through my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga for over a year. I found out de facto that XXXX had closed their business sometime after withdrawing my XXXX 2016 pmt. The company did not inform me and apparently sold my debt to Midland Credit Mgt. Midland immediately placed a dunn for non pmt on my credit reports. I am absolutely not responsible for any of these ocurrances. I have been paying this account faithfully & should not be penalized by their oversights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX  claims that I have  XXXX  charge off credit cards in unknown, unidentified amounts. Disputed multiple times, they say they are verified without sending me validation of original paperwork with my signature in wet ink.

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 01/25/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: On XXXX XXXX, 2017 I was traveling in XXXX for the week. I tried logging on to my account to see how things were looking, and I was locked out. The message I see after I log in is: 

Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business (XXXX) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted.
If you are not a resident of a sanctioned country or otherwise have received this notification in error, please visit https://support.coinbase.com for assistance.provide us with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement.
If, however, Coinbase concludes that you reside in a prohibited region or are violating applicable sanctions in any way, your account will be closed and Coinbase will take any other actions required by law.
Additional information regarding account logins from prohibited regions is available here.

However, their documentation says that if you try to log in from a sanctioned country, a message will block you from logging in until you return to your home country.
This is just not the case. It's been a MONTH, and I've been unable to log in.

I opened a support XX/XX/XXXX. I got an automated reply, then an actual response a few days later, saying that I'd need to send my proof of US residency in, and that I should stand by for the link to which I'd need to verify my identity to. That's the last I heard about my case. 

I tried opening a new "fraud" case, which got someone's attention, but only resulted in them telling me not to open multiple tickets for the same case.

I've wanted to transact, and I've been unable to. Coinbase has essentially hijacked my account and caused me to lose thousands of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX   XXXX   XXXX  hold  XXXX  accounts from  Citibank Best B uy that were from Identity Theft by a relative of my husband. I submitted in  XXXX  Fraud Report t o Citibank B est Buy ( Original Creditor ),  XXXX  is now the owner of both debts and I am currently being sued for a balance of {$3000.00} in account #  XXXX , this debts are not mine. I provided  XXXX  another Identity Theft Report and also to  XXXX   XXXX   XXXX  their Attorney representing them on  XXXX  and also on  XXXX / XXXX / XXXX , I have contacted  XXXX   XXXX   XXXX  and fail to dispute both  Citibank B est Buy accounts. They have also not done anything to stop their legal action on the lawsuit to investigate. On  XXXX / XXXX / XXXX  I sent a request about both debts and they have not provided me with any documentation other than monthly statements.   I am a victim of Identity Theft, this debts are not mine!

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 11/29/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: I recently applied to Bank of America to modify my HELOC Loan to a 40 year amoritization loan, in order to lower my monthly payments. ( All my payments have been and are current. ) On XX/XX/XXXX the Bank of America Underwriter denied the Modification even though my Debt to Income Ratio is 49.53 %, which is within the required 45 % to 55 % range. The Bank of America Underwriter 's denial was based on her incorrect calculation of the Ratio ( the Underwriters errors have been detailed in my Table XXXX ). 

On XX/XX/XXXX Bank of America changed the HELOC loan payment from interest only to amortized over 15 years. This resulted in the monthly payments increasing from {$720.00} to {$2100.00}, which is a massive 191 % increase. To cover these higher payments from XX/XX/XXXX to present, I have had to pay a cumulative total of {$25000.00} extra [ ( {$2100.00} - {$720.00} ) ( 18 months ) = {$25000.00} ]. If I had been able to modify the HELOC before, I would not have had to pay {$25000.00} extra, which is still increasing at a rate of {$46.00} PER DAY. 

I have been seeking a HELOC Modification for over 3 years now. I have FAXed in over 20 months of documents which has taken over a XXXX hours of my time, due to chronic and systemic complications with the process. I am a senior citizen and have been a Bank of America customer for over 40 years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Consumer Loan (Installment loan) with DISCOVER BANK (MI).
Issue: Taking out the loan or lease

Complaint: I applied for an installment loan through discover bank. My credit worthiness was the reason for the denial of the loan. I have credit over XXXX and have even been mailed approval letters from Discover as well. I am disputing the fact that discover has denied my installment loan and would like a further explanation in their approval process as it is misleading in their advertisements.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: A Hard inquiry is on my credit report on XXXX XXXX, 2017, not sure what it is from the only thing that is showing is the following, and did not authorize a hard inquiry on my credit report. 

XXXX XXXX, NC XXXX ( XXXX ) 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 07/26/2016 about Debt collection (Medical) with RSH & Associates, LLC (KS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I was contacted by phone on XXXX XXXX, 2015 by RSH & Associates , LLC. I was told they had been contracted by XXXX XXXX XXXX to collect a debt. I advised them I was still working with the hospital attempting to get financial assistance and I was told they would " mark my file. '' I was continually called and began receiving mail. On XXXX XXXX, 2015, I sent a letter requesting debt validation and requested that all future communication be in writing. I continued to receive calls. After several months, I was unable to get financial assistance from the hospital, I once again requested debt validation and a settlement request from the collection agency in writing. I received neither but I did receive more phone calls. Finally on XXXX XXXX, 2015, I sent my final letter, stating that I had never received any debt verification from their company and continued to receive at minimum a weekly phone call from their office when I requested all communication be in writing. I again requested debt validation XXXX final time and even gave them an email address to send the information to. I never heard from them again until today. I pulled my credit report to find they have put a collection on it. I have been paying XXXX XXXX XXXX directly for over a year and I have copies of cancelled checks to prove that. Not once has a check been returned or made out to anyone other than XXXX XXXX XXXX. I have no idea why this collection agency is reporting to my credit when they have never verified the debt and never followed the FDCPA when I requested all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
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: XXXX disputes 2 charges in the amount of {$95.00} and {$2.00} Bank of America violates laws by refusing to dispute certain charges on XXXX XXXX XXXX. 
XXXX disputes 2 charges in the amount of {$95.00} and {$2.00} and asks for immediate permanent credits or he will take boa to small claims court which is not precluded by any agreement and which right he has not renounced. 
On XX/XX/XXXX, records reflect that claims were initiated online for a transaction from XXXX XXXX XXXX in the amount of {$95.00} and {$2.00} that posted to the account on XX/XX/XXXX because no goods and no services were provided at any time. In addition, account was charged the associated Foreign Transaction Fee in the amount of {$2.00}. 
Boa ignores disputing charges for which complainant will sue boa in small claims court unless these charges are reversed because neither goods nor services were provided. 
XXXX XXXX asks for immediate permanent credit of both and all finance charges and stop calling finance charges interest charges in order to deceive consumers. 
Boa fails to treat customers as people but is too big to fail. but boa continues to fail because it has no incentive to change. Perhaps boa should fleece third world customers as it would be easier since English is poor.

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 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I called XXXX to remove inquiries that I did not authorized. I spoke with a XXXX XXXX that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another XXXX XXXX received my call. I explained to her what happened and how the XXXX XXXX was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other XXXX Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other XXXX XXXX was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted TransUnion on XX/XX/XXXX and spoke with a XXXX XXXX who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX on XX/XX/XXXX whom as well told me the same thing TransUnion stated except they put a XXXX alert on my credit file and still wouldn't help me with these unauthorized inquiries.

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