milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Credit decision / Underwriting

Complaint: I need to ask for your help. I had been initially approved for a streamlined refinance through Citimortgage They are now refusing to refinance me because they say my payment was late, after XXXX+ years of on time payments I got paid on Friday XX/XX/XXXX, but it was XXXX the seventh night. I could n't pay them until the holiday was over, on XX/XX/XXXX, at night. I did, nut they said they got it XXXX/XXXX/16. I welcome any advice or assistance. 


Here is a copy of the email. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Citibank Refinance XXXX URGENT Inbox x XXXX, XXXX XXXX XXXX XXXX ( 1 day ago ) to XXXX Good morning XXXX XXXX, XXXX underwriter reviewed your loan application. We will not be able to approve the above referenced loan as submitted for the following reason ( s ) : Decline-XX/XX/2016 payment made XX/XX/2016-loan is no longer eligible for the Home Affordable Refinance Program If there is any additional information that has changed or should be considered, please let me know as soon as possible. 

If we do not receive the revised request by ** XXXX/XXXX/2016 ** the loan will be declined based on the original terms. 

Thank you. 

XXXX XXXX XXXX ( XXXX ) Citibank N.A . 
Sr Loan Officer XXXX # XXXX Phone XXXX ext XXXX Fax 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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent a letter to   XXXX   requesting to have several credit inquiries removed that were not mine, The credit bureau just sent me a letter stating the definition of what a credit inquiry is.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). We have been advised that the loan is no being approved due to the income being submitted showing the ability to afford. the client 's income is XXXX Lender has failed to consider the change of circumstances and the clients now ability to pay. The current payment of the loan is roughly XXXX the expenses are XXXX Due to the client 's change of circumstance and dependents. We feel the review was not handled properly and not all factors were considered.

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 10/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered a printer from XXXX, and many things happened just for a coupon to work because the rep told me to order first then he 'll apply coupon for me. Afterward, I tried to cancel a few times because they would n't honor the coupon then fast forward 2-3 weeks later, I still get no tracking or anything of this printer because I was supposed to deny delivery in order to get my refund. So then I disputed with my credit card company and won and thought this ended. They come after me months later trying to get money off me for this printer that I did n't receive and of course I emailed back and forth with them. They told me they fixed it and gave me credit for this. I even emailed the receipt and information to their collections email and now I get collections notice today in the mail that it went to a collections agency.

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 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Coinbase claimed that any amount of bitcoin that existed prior to the bitcoin fork of XXXX XXXX, 2017 would be available in my Coinbase account and be able to be withdrawn by XX/XX/XXXX. 

Prior to the fork, I had XXXX bitcoin in my Coinbase account, and thus, I should have been credited with XXXX Bitcoin Cash in my Coinbase account when Bitcoin Cash was implemented in their system ( like other users where ). However these funds failed to show up in my account. 

On XX/XX/XXXX, I filled a complaint at Coinbase ' support website. I have yet to hear back from them. I still do not have the correct Bitcoin cash in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Closing/Cancelling account

Complaint: Chase Sapphire Rewards card. We applied and were approved and added our son and his wife as an authorized user. The cards came and we began using them, replacing automatic payments and making this the primary so as to earn rewards faster. All transactions were approved for about a week or so then we logged in to make a payment and our access was restricted so we called customer care. They spoke in very cryptic and vague details saying it was under fraud alert and escalated to another department for review. We asked for reasons why and were given none. All the charges made had been for bills i.e cable, phone, insurance so we thought this was odd but nevertheless figured it would get sorted out. We have called and spoke with numerous departments and spent hours on calls being told they would call us back. We filed a CFPB complaint and received a letter from Chase to call their account rep XXXX XXXX. We have left multiple voicemails and he has left one voicemail returning our voicemails at a odd hour of day. We continued to call and leave voicemails hoping to reach him but did not. Late last week all of the charges on the card were suddenly reversed and we were charged late fees for various accounts i.e cable, phone, auto insurance. We have no idea what is going on with this credit card account we just know this is the worst experience EVER from customer standpoint we have ever had in our lifetime. No communication, no explanation all while restricting access to view and bill our credit card balance giving us anxiety that they will somehow manage to ruin our good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a company check on   XXXX   XXXX   XXXX     and was told they were holding  XXXX  dollars until   XXXX   XXXX   XXXX     I need that money to pay bills with ..Is that even legal? I bank with  Wells Fargo ..

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 02/20/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (ND).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: They call often, at least 4 times a week, including on weekends, and ask for my name, by first, middle, and last name, and if I confirm that it is me, they tell me to hold while they transfer me. They will not identify the company they work for, who the debt is from, how much it is ... Only one time did they actually say that it was an attempt to collect a debt. NO other information was given and they put me on hold even if I ask them for more information. I waited on the line for at least 30 minutes before I hung up. 

The calls always come from XXXX and it is always someone with a heavy, unintelligible foreign accent. I am beginning to think they are a scam and not a true debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill was paid before the collection agency started collecting. 
Was never in default

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from Transworld systems this morning and they are trying to collect a debt from someone who used me as a reference. The person is my son, XXXX XXXX, but he does not live with me, nor does he even live in the same city. They chose to give me his name and tell me what they were trying to do. My job experience is credit and collections and I already know of XXXX violations that that they have made?? Calling a 2nd party & discussing that persons acct. I see where they have already been sanctioned by the FTC but that does n't seem to bother them? There are multiple blogs on the internet in re the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (IA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX University through ECSI. This would be the XXXX time my bank account number has changed ( I was not the one to change it XXXX and a payment has subsequently not been processed. They then charge late fees. I am unable to even check my bank account information for accuracy on their website. 

Furthermore, upon talking to a representative I was informed my bank account did not have a proper amount of numbers even listed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Navient capitalized the interest on my account, which they said was due to my payment plan expiring. However, when I looked deeper into it, the notices sent and the payment plan show that they capitalized the interest  one  full month prior to the plan 's expiration. I reached out to them several times, each time documenting my request to reverse the capitalized interest. Finally, after several weeks they reversed the capitalization of interest.     I want others to be aware that this can happen and to look into the account history to determine if Navient has incorrectly capitalized the interest on the account, prior to the date permitted, and to understand that this can be reversed but that they must be proactive and follow-up with these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX County, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. Transunion still reports XXXX. XXXX still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (DE).
Issue: Taking out the loan or lease

Complaint: I am submitting this complaint related to actions taken by BMW Financial Services. I have attempted to contact BMW Financial Services Office of the CEO, Office of the President or whatever department that handles escalated customer complaints and not received any response to my complaint. 
To close out my XXXX, three year lease I received a statement for {$1700.00}. The charges are purported to support " damages '' assessed for my usage of the XXXX BMW. This is the third consecutive BMW that I have leased and I have never previously been assessed any amount above normal wear and tear. 
The question that I have not been able to have BMW FS address or explain is why the end of lease statement does not list " any credit '' related to the XXXX miles under the allotted ( and paid for ) XXXX miles limit. If the discrepancy was a few XXXX miles I would not have an issue. However, the fact that the vehicle was returned with XXXX miles fewer than anticipated, does by all true measures of an automobile 's worth, add value to the vehicle in question. Why does BMW Financial Services choose not to recognize this fact when assessing the car 's condition and the related end of lease charges? 
It seems BMWFS 's end of lease process is not focused on assessing the actual condition of the vehicle but creating an unregulated revenue stream by charging exaggerated fees and not applying any eligible credits. 
During my prior lease, XXXX BMW 528i, I also received an end of the lease statement balance. That balance due was significantly higher than the XXXX lease end amount. I was assessed {$2900.00}. The largest amount ( {$2300.00} ) was for excessive mileage ( {$0.00} per mile ). A review of BMWFS records will confirm that I paid the XXXX end of lease statement promptly, in full and without question. 
There seems to be an imbalance between the way BMW Financial Services views the value of miles when a customer goes over their limit and when they are well under the mileage. 
As a customer who has purchased or leased XXXX BMW automobiles in the last ten year span I expected professional customer service from BMW Financial Services even though I chose to end my nine year leasing relationship. In fact, I am still a BMWFS customer on another vehicle unrelated to this complaint. However, BMWFS has not XXXX contacted me about this matter or make any attempt to justify or explain their actions. This total lack ofconsideration toward a long time customer was an eye opener and has prompted me to conclude to never utilize their services again. 
I believe that BMW Financial Services is not dealing with the situation of my XXXX lease fairly and consistently in how they review the value of mileage related to end of lease charges. 
I request an escalated review of this matter and a revised end of lease statement reflecting the appropriate mileage adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed this item listed on my personal credit file. I do NOT owe on any judgment and took it upon my self to search and this case file there are no charges. I have disputed and requested the agency to remove. Why are they not removing this item? It is inaccurate informationXX/XX/2010 / XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2015 about Credit card () with DISCOVER BANK (NC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: ~ {$7000.00} in debt has been reported on a credit card that I never had.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Borrowed {$5000.00} for college and have been paying on the loan since XXXX and now in XXXX still owe {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, 2006 we refinanced our home and paid to have paymentsscheduled for every XXXX weeks. This has occurred through severalservicing companies. I was notified JPMorgan Chase has boughtthe loan and they will not accept my payment schedule. They willonly accept monthly payments. As of today they could not even tellme how much I owe per month or my due date. How can a mortgagecompany change the terms of my repayment? This is unfair and willkeep me from paying down my mortgage faster. They will only acceptadditional principal payments with the monthly payment. It can not evenbe sent at a different time. My next payment is due with the old servicingcompany on XXXX XXXX and Chase " thinks '' my next payment with them isXXXX, but they do not know for sure or for how much. This could create afinancial hardship if it is in fact a whole payment due a few days later. 
Even though they think the payment is due on XXXX XXXX, they will not evenaccept payments until XXXX XXXX. How can I pay my mortgage on time andavoid negative credit history, if I do n't know when it is due or how much? 
the mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Medical) with First Federal Credit Control (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not mine. I have sent dispute letter with know response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CO).
Issue: Trouble during payment process

Complaint: My mortgage was bought by NationStar/Mr Cooper. My payments were automatically deducted from my checking account with my previous lender and this migrated to the new lender. The problem is that each month the new vendor deducts the money from my checking account on the XXXX of the month but sends me a letter dated the XXXX which says that I have not paid, and suggests ways that I can pay, which cost more money. This comes across as a scam, they are just trying to get more money.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Home equity loan or line of credit) with TIAA, FSB (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX, my then husband and I refinanced our home and Everbank was the second mortgage interest only loan. After we divorced, I kept the home but due to illness and other circumstances I experienced financial hardship and fell behind on my first mortgage. In XXXX, I received a XXXX but only on my 1st mortgage. Last year, I got behind on the Everhome mortgage and a representative called me to set up a modification. She offered me a payment of {$320.00} a month. I told her I could n't afford it and then she offered a payment of {$230.00} a month with zero interest for 5 years. I completed the paperwork, emailed it back, and started making my payments in XXXX XXXX. The issues : Everbank is reporting this account to the credit bureaus as a closed delinquent account which is having a negative effect on my credit. Also, Everbank is not reporting my on time payments to the credit bureaus. I called Everbank to have them correct these issues. I was told by a representative that Everbank will not change this to an open account on my credit report and that Everbank does not report monthly payments to the credit bureaus once they have closed accounts because it is better for me. Because if they do it will make the delinquent information remain on my account for 10 years longer. Also, I do not receive monthly statements from Everbank. I was told by the Everbank representative that it is their policy to not send monthly statements to those whose accounts have been closed. However, I was informed that I can go online and log in to see my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I wrote Transunion, XXXX and XXXX  in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXXfor an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.

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