milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Purchased our home in XXXX. Ultimately foreclosed in XXXX XXXX. The lender was Ocwen. Made several good faith attempts to save our home including working with a real estate agent to short sale the property -- which the offer was declined by the bank and eventually auctioned for an amount significantly lower than the short sale offer. Attempted to negotiate a loan modification, but never able to finalize details -- always seemed to get the run around with them -- long wait times when trying to speak with anyone from the company, being transferred from XXXX unknowing representative to another, unable to reach anybody, etc. Husband withdrew money from his XXXX to save the home. 
Because of the devastation of losing the home, it never occurred to me that there may have been conspiracy or fraudulent dealings with the loss of the home. At the time, we had XXXX small children ( ages XXXX ) to find another home for. At first I thought it was bid-rigging after reading an article about that concept. I reported the incident to the XXXX and they referred me to you. Balance on the home was {$700000.00}. Sold at auction for {$280000.00} on XXXX/XXXX/XXXX purchased by real estate investor. Sold for {$480000.00} on XXXX/XXXX/XXXX. We worked with a real estate agent to short sale to save our credit. The short sale offer to the bank was significantly higher than the auction price -- do n't have that dollar amount off the top of my head. 
Needless to say, lives were destroyed. Caused so much hardship that the marriage was affected and the family is now broken. Hundreds of thousands of dollars in personal loss, credit ruined and just an overall loss of faith in ever owning a home again.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Fraud or scam

Complaint: on XXXX2017 I made a transfer of my coins from XXXX/coinbase account to XXXX 
XXXX was a scam, I have requested XXXX/coinbase to cancel those transfers, the reply from XXXX/coinbase was not refundable. 

my account XXXX and XXXX/coinbase locked my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: I have had a credit card with citicards about a year In XXXX 2015 a XXXX charge appeared on my statement. I had already been billed by XXXX under auto payment but this was for a different amount of {$100.00}. I disputed the charge and started the lengthy process to get it removed. The next two months the same type of bogus charge but for a different amount appeared. It took months to try to resolve it but citi finally acknowledged it was their error and the charges were dropped. I was so fed up with their handling of the matter that I quit using the card in XXXX and paid off the amount they said I owed. Unfortunately I had charged some slacks to my account that were not what I ordered and I had to dispute that charge. This charge for either {$63.00} or XXXX which varies from XXXX email to another. I am still disputing the charge and received a letter from XXXX in XXXX XXXX SD dated XXXX although I didnt get it until earlier this month. The letter stated that a correction would appear on my statement within XXXX billing period and they had corrected my account for any interest charges and fees. They added late fees to my account and they are still on the account, increasing my supposed amount due to about {$150.00}. I have had a succession of disputed charges from citi, XXXX are now resolved with removal from my account. This most recent one goes on and on. They have now gone so far as to list the charge in my credit report which has lowered my credit score from XXXX to between XXXX to XXXX. I would like to have this account cleared and my credit score back to where it should be. Thanks for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loans are held by Navient. I have had trouble with repayment since they became due. I have called Navient on numerous occasions, probably dozens of times, since my loans moved from XXXX XXXX to Navient, in an attempt to lower my payment or come up with a solution when I am not able to afford to make payments. The solution offered by Navient is always to put my loan on forbearance, and they usually suggest long forbearance periods, typically one year. 

Navient has failed over and over again to properly inform me of alternate repayment plans such as the income-based repayment plan, which I discovered by researching repayment plans online and found on XXXX. I have also found communications with Navient regarding repayment options to be anything but transparent, and have trouble understanding what my options are. Their verbal descriptions of repayment options over the phone have been confusing and misleading. I have even been told directly by Navient that placing my payments on an income-based repayment plan would increase my monthly payments and pressured to put it on a graduated repayment plan, which will result in unmanageable balloon payments as the due date draws closer. Again, when discussing these options, I am always pointed towards placing my loan in forbearance, which has resulted in interest being rolled back into the principal of my loans. My loans were due to begin repayment in XXXX, and now in XXXX, my balance is thousands of dollars higher than my original balance as a result of interest being rolled back into my principal. 

Although not directly related to Navient as my student loan servicer, it is notable that the first year when I took out loans ( in XXXX and at the age of XXXX ) my interest rate was at 2.5 %. In XXXX, my second year of study, and every year after, my interest rate was raised to 6.5 %, and I was not properly informed at the time by XXXX XXXX ( the servicer at the time ) or by my school of this increase, or of the consequences I would experience later as the result of a huge surge in my interest rate. This resulted in only one semester of loans at a 2.5 % interest rate, and the next 4 years of loans at 6.5 %.

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 CITIBANK, N.A. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: A {$28.00} dollar part was supposedly shipped to my home. It was not received causing a 60 days late

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 05/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NC).
Issue: Credit card protection / Debt protection

Complaint: I recently, just checked All my credit cards and checked all through them since XXXX, I had not been able to do so over the past couple years due to mental illness and being hospitalized several times, I had automatic payments set for the set amount to be taken from my account every month, I noticed the card from XXXX has net been used but once in XXXX for an XXXX care bear, and 4 times last year for XXXX cd,XXXX cartoon dvd 's and a doll, and thats it for 2 years, then I check back till XXXX, I see XXXX flat screen tv 's and cancelled by them and what I really noticed is the money owed on the card has been XXXX for 3 years? I make a call to XXXX XXXX at Walmart.com Customer service, he see 's the transaction and cancelled but the charges remained on my card and a doll set that shipped and was never delivered, and say, wow, this is a lot of money being charged and it clearly shows they were not cancelled, walmart never send me a statement with purchases nor returns, the card is cancelled and escalated to investigations, the weird thing is, early that same day, I recieved a New card, and that prompt my call as well, it has a new number, so I call walmart.com again, this time its XXXX id # XXXX she tells me there are no previous charges on my since as of XXXX XXXX had printed out the cancelled charges of the tv 's, and walmart has removed all information and closed the account I called about, sent me a new card with the charges on it!

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 04-05-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WELLS FARGO & COMPANY (VA).
Issue: Fraud or scam

Complaint: I was promised tickets and asked to transfer money through XXXX. Since this was on my Wells Fargo app I thought I had protection as a trusted service. I sent {$600.00} and then the person disappeared and I never received my tickets or any other messages. Wells Fargo will not help me. I feel this is unfair as Wells Fargo clearly uses this service with no protection for fraud.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PlusFour, Inc (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX gave an inaccurate report to Debt collection which was submitted to XXXX. I have tried to resolve this as I spoke with XXXX at their Billing Department. I told her I am not aware I had any outstanding balance and she confirmed that it was a mistake on their part for submitting an inaccurate charge to debt collection. It is still open up to now as it is stated in XXXX credit report since XXXX 2017.

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 03-08-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My American express serve card was stolen from my home, the card was then used to withdraw the entire balance of my account from {$420.00} down to {$0.00} with in hours. I contacted American express to dispute these transactions, as I ( the card holder ) did not preform or authorize these transactions. American express declined the dispute for these transactions, claiming the transactions were valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2016 JP Morgan Chase Bank sent me a correspondence announcing " Important information : We have decided to close your accounts, Dear XXXX XXXX, after a recent review of your accounts, we have decided to end our relationship with you. We will close the following XXXX digit accounts XXXX on XX/XX/2016 and decline any transaction. '' I immediately canceled all automated deposits & withdrawals and paid cash on XXXX outstanding check and opened accounts at another bank to assure I complied to JP Morgan Chase Banks demands. By XX/XX/2016, I received another JP Morgan Chase Banks statement showing all their accounts XXXX digits ' accounts XXXX were at a balance of XXXX showing the JP Morgan Chase Bank owed me a balance on my savings of XXXX. However, on XXXX XXXX, 2016, I received another JP Morgan Chase Bank demand for my closed XXXX account, " Dear XXXX XXXX. your account is currently overdrawn by {$130.00} to keep your account open, please make a deposit to your account at one of branches or ATMs to cover the overdrawn amount. It it is more convenient for you, we also accept checks by phone and deposits made through XXXX XXXX. This letter is sent in attempt to collect a debt, and any information obtained will be used for that purpose. '' I realize that JP Morgan Chase Bank can turn this over to " XXXX '' to black list me as a consumer. These letters demands " harassment '' from JP Morgan Chase Bank. JP Morgan Chase Bank exercises their authority in such a manner as to be unnecessarily oppressive. JP Morgan Chase Bank shows with purposeful actions and conduct motivated that are malicious discriminatory purposely aimed at a XXXX person and a military veteran and other like consumers! We talk of credit worthiness. JP Morgan Chase Bank corporation that was given slap on the wrist with a XXXX dollars fine by U.S. Federal Security Exchange Commission. This is a perfect example of whom provides the wealth for such parasitic JP Morgan Chase Bank corporation behavior, hard working Americans, significant inventors of science and technology like the great XXXX XXXX. The true nature of JP Morgan 's Chase Bank parasitic behavior has been with us for over a century. One of the greatest scientist inventors XXXX XXXX now over a century ago was defunded by JP Morgan. XXXX discovered a means of electrical transmission without copper insulated cable. The original JP Morgan, whom had greed without behavioral boundaries madly defunded XXXX scientific research since he no means of collecting " money ''. Show American workers and inventors whom make the money. Give maliciously abused American 's justice in relief from JP Morgan Chase Banks parasitic behavior. Levy fines of XXXX to JP Morgan Chase Bank still a small fraction restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been fighting a fraudulent mortgage situation for over 4 years now. Original lender claims to have sold the loan in XX/XX/XXXX. Caliber Home Loans claims to be the new servicer. Servicing transfer took place in XX/XX/XXXX. Caliber began sending me monthly statements in XX/XX/XXXX. Prior to the loan being sold, original lender filed a foreclosure action against me, which I contested and it is now sitting dead in the courts. Caliber has taken NO legal action regarding this account, and I have confirmed this by speaking with Caliber 's claimed attorney and also by checking routinely with my court clerk 's office. In other words, the " foreclosure '' status of this account has always been the same since before Caliber began contacting me. I have many disputes with Caliber, but Caliber has either ignored my disputes completely or has responded by answering questions that I have never asked. 
Caliber stopped sending me monthly statements after XX/XX/XXXX, and when I have asked about this, Caliber states to me that they can not send me a statement because they claim to be actively foreclosing on me. Again, I have spoken to Caliber 's own attorney, and have confirmed that Caliber has not taken ANY action against me whatsoever. I mentioned Regulation Z to Caliber, and how it requires them to provide monthly statements regardless of foreclosure status, because foreclosure status is not listed in the law as an exemption. The loan is a conventional loan, so the statute applies. I have not filed bankruptcy, and Caliber is not a small mortgage servicer under the law 's definition. Caliber refuses to provide me with monthly statements. I did just receive an " informational statement '' which appears to be what is provided when the consumer has filed bankruptcy, but again, we have not filed BK. This statement does not include much of the information that Regulation Z requires servicers to report to the consumer on periodic statements. I called Caliber today to ask about this, and was told that the statement was generated due to a payment that was made on the account. I did not make the payment they are claiming. I am concerned about the lack of monthly statements because Caliber has shown a pattern of adding fees and charges to this loan that are not legal, and without the monthly statements, I can not keep track of what is happening on that front. Caliber also has a history with me of changing their story on a constant basis, so that information provided today contradicts Caliber 's own earlier provided info. 

I am in the process of trying to resolve several other disputes with Caliber, but at this time, I am only disputing the issue of the monthly statements here with the CFPB. Caliber is required to provide this documentation to me in accordance with Regulation Z, as amended in XX/XX/XXXX, and is refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Medical) with Community Health Investment Company, LLC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX In has repeatedly sent me collection notices about an unpaid debt. I wrote to them that I disputed the validity of the debt, as insurance had paid. They responded with a print out of what was owed on the date I went to the hospital, stating only state it is valid. 

It is not valid. They sent me notice less than thirty days after my hospital visit. My insurance has covered this and this company is already affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: recently i talk to best buy credit card about the interest charge.almost XXXX dollars where from they say first i have a late charge i said i talk to your customer respentive they say will take care for me i say i pay full amount for last XXXX statment why i have interest charge they said because the billing cycle i say every credit card i pay only pay for stament amount not worry about your billing cycle i ask them to to take care they refuse to take care you need to pay for billing cycle interest i feel that they are not honest to customer they are cheating.

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
Consumer complaint received 05/22/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Trouble during payment process

Complaint: XX/XX/XXXX  Monthly payment due ( Amt. {$1500.00} ) as of statement dated  XX/XX/XXXX . XX/XX/XXXX Payment sent via personal banking bill pay for {$1500.00}  XX/XX/XXXX  XX/XX/XXXX  payment was placed in a suspense account due to the {$190.00} XX/XX/XXXX  Notice sent that annual escrow was reviewed and the payment would be going from {$1500.00} to {$1700.00} ( increase {$190.00} ) effective  XX/XX/XXXX .
 XX/XX/XXXX In touch with customer service to inquiry why payment was not applied to the account and to explain the $   XXXX   monthly payment increase when property insurance amount decreased. This process took several days to get addressed. My payments were applied for  XX/XX/XXXX and  XX/XX/XXXX . (  XX/XX/XXXX  & XX/XX/XXXX  ).
 XX/XX/XXXX Received notice from credit bureau that a 30 day late was applied to my credit report which should have not been applied.
 XX/XX/XXXX - Mortgage Loan Statement amount has increased from {$1700.00} to {$1800.00} ( {$100.00} ) with no explanation again.
 XX/XX/XXXX Called in a request to remove the PMI from my account since my loan has met the 20 % equity rule.
 XX/XX/XXXX  NationStar sent a notice determining that since they have the late payment in  XX/XX/XXXX , I can not request the PMI removal for a year.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company is reporting incorrectly on my XXXX report. They are showing an incorrect Date of 1st Delinquency ( shows XX/XX/XXXX should be XX/XX/XXXX ) ; reporting as an Original Creditor under my Accounts section when they are actually a Collection Agency ( not showing under my Collections Section ), also says the account is Open and that they are a Factorying Company ; the account # they are reporting does not match the account # for my XXXX XXXX Account ( XXXX XXXX Acct # XXXX and Portfolio Recovery is Reporting Acct # XXXX ; the amount they are reporting is also different from my XXXX XXXX Account ( XXXX XXXX charge off amount is {$1000.00} and portfolio Recovery is reporting {$1500.00} ; This company is also reporting a payment history when I have not made any arrangement with them, ever. I am under the impression that Collection Agencies are not even allowed to report a payment history because they are not Original Creditors. I have also attached my credit report showing the inconsistencies of their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off a  XXXX  's credit card through a debt consolidation plan called  XXXX   XXXX  on  XXXX    XXXX  .  XXXX  brought a " ghost '' debt in  XXXX    XXXX  . I have sent them and  XXXX  documentation proving that this debt was paid to no avail. The account number are almost identical but  XXXX .  XXXX  's account has an extra zero.  XXXX  will not remove this debt from my credit report despite writing several letters including a statement from my debt consolidation plan.     Attached is a statement from my debt consolidation plan.     What else can I do?     I can be reached at  XXXX .      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 06-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to XXXX for collection and they have listed the debt on my TRANSUNION report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I have tried to order my credit report through Equifax 's XXXX XXXX and I have tried to use the free credit report website and I can not get my credit report. Months ago, I have contacted them and was told to fax in a lot of information with copies of my driver 's license and social security card. I was told to ask for them to review it. I was also told on another occasion that my credit report maybe split. I still have had no success getting my credit report.

Company response to consumer: Closed with explanation