milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Johnson Mark LLC (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX / XXXX /  XXXX   Johnson Mark LLC pulled my credit without my knowledge.

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 02-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX of XXXX I was awarded a Hamp Modification in which I was given an incentive for XXXX years equal lying {$35000.00}, in which I was only given one in XXXX and the rest was not honored. The amount that was not honored was {$23000.00} because Chase stated that I went XXXX months late in which I never was three months late, because I was trying to get another Modification with a more affordable payment because this modification was never affordable. Chase stated that I never qualified for another modification because I was never three months late. I was just awarded a recast in which they put the monies that were supposed to be my XXXX & XXXX incentive as a balloon payment in the amount of {$23000.00}. I was also given an incentive of {$83.00} for five year every year in which I only received on as well and that was XXXX XXXX, XXXX. The other four years has never been honored due to the fact Chase stated that I paid at the end of the month, but Chase never discussed with me that I would lose this incentive if I did n't pay by the XXXX of the month, they said monthly in which I was making the monthly payment at the end of the month. You can refer to reference # : Consumer Financial Protection Bureau Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have paid this loan off with another creditor. Unfortunately during the time I was paying the loan off another company picked it up. I fax ed them the information before and they keep saying it is incorrect. The loan was through XXXX 's XXXX and I have already paid it off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Debt collection (Medical debt) with Phoenix Financial Services LLC (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Out of the blue one afternoon I was working and i received a call from a Number asking if i was XXXX XXXX XXXX and they spelled my name wrong i spell my XXXX with a XXXX not a XXXX and they gave me my social security number and I told them that was not me, and confirming my address and I said to stop calling that they have wrong person.. They kept calling early mornings and late night when Iam at work and I kept saying they had wrong number and they said are you sure youre not XXXX XXXX XXXX and said that my credit score was going to deflate and to make sure i check it XXXX it .... Very horrible calls and Iam scared to even pick up numbers i dont know..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted nationstar in XXXX 2013 about my XX/XX/XXXX payment. I asked if there were any programs I can use for my payment. My son was starting college and he had several fees and charges popping up and I was n't sure how many more were coming. I was advised that I could n't move my XX/XX/XXXX payment to the end of my loan cycle but I could make my XX/XX/XXXX payment over the next four months in equal payments. I made it clear that I could make my XX/XX/XXXX payment and I did n't know if they had programs for college families. It was offered to me as a payment option and not ever was I told it would show up on my credit report as MISSED payments ( three in total ). I did n't pay XX/XX/XXXX as agreed and paid extra over the next four months. I found through XXXX XXXX that I had three missed payments in 2013. I called Nationstar and was told why it reports that way and if I asked the question would it hurt my credit they would have told so. So it was my fault that I didnt ask the right question. I am not happy. I would have made my payment and if needed borrowed money from my XXXXK. The sad part is no more fees came up for my son and this was all for nothing. I thought it was so awesome that this company had so many ways of providing customer service through payment options. I feel frustrated and am thinking of taking my account to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: I called my bank to close out XXXX accounts. When they completed closing out the account they asked if i needed anything else. I told them i would like statement copies for the last year. The representative logged the request and asked there was anything else they could help with but never told me the cost. I was surprised to see XXXX had been taken from my account in XXXX different XXXX transactions. I called the day i saw the charges to see about refunding them. They acknowledged the fact that they did not give me the opportunity to decide about the amount and the account it should be taken from. However they said they could n't give me a full refund for the charges. This caused my overdraft protection to be charged which cost me another fee. They refused to refund that fee as well.

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 11/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Documents supplied according to the Creditor ( I never agreed to any service or product ) - show agreement of debt but the documents are not any agreement but a receipt of my own personal belongings that were returned to me. Please see the complaint mentioned above- BCFP suggested that I dispute this negative report to the collection agencies through you since I have already disputed it with the original " creditor '' without results vs the debt collection agency complaint that I had already filed. 
Please reference previous complaint # Per Complaint # XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit card protection / Debt protection

Complaint: We had CC protection on a CC from BofA so if I lost my job it would continue to be paid. It was an insurance policy. All of my other CC 's froze the account and payments where made from the insurance to keep my credit good while I was unemployed. BofA decided to immediately move the interest rate from 7 % to 29 % for no reason other than they could see I was unemployed. The insurance kicked in and instead of the payments making a dent into the principal it all went to their interest since it was now so high. We called and they said they could do this since I was unemployed yet we never missed a payment or made a late payment. We decided to close the account and refused to continue paying them. A XXXX later they decided to settle the account for {$.00} on the dollar but by then my credit was ruined. No other CC did this practice of raising the interest, just BofA. And yet our government bailed them out ... .how wrong is that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Debt collection (Credit card) with First National Collection Bureau, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently this past year have been randomly getting mail from this creditor with pat off options in which I do NOT owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have had a Capital one /Saks store card since XXXX. In XX/XX/XXXXthe card was removed from my reports due to fraudulant activity which was incorrect and resolved. It was reported to all credit agencies but i noticed it was missing from XXXX XXXX and was affecting my credit score for example XXXX XXXX XXXX and XXXX XXXX this was due to length of credit as my account is 11 years old it would make a huge difference to my score. I have tried to have them reinstate the card but was told that XXXX XXXX would not do it due to the length of time. I then called XXXX XXXX they told me that they had no such request logged on there system and was told by XXXX XXXX  that if the card was in good standing they would report the information correctly. So i can only assume that Capital one /Saks are not telling the truth. I have never missed a payment and have kept my card in good standing. I am in the process of obtaining a mortgage and this is affecting me greatly and is not treating me fairly at all. I want the card and it full history reported to all agencies. I f this is not resolved i will be getting a lawyer involved and sue them for all the extra interest i have had to pay due to there error.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My husband was in XXXX XX/XX/2016. I paid XX/XX/XXXX and XX/XX/XXXX mortgage payments. XX/XX/XXXX i called Wells Fargo and asked if i could defer 6 payments to the end of the loan or perhaps pay only the principal for 6 months while my husband was in the hospital. I was told that they do n't do any of that and they could n't help me. I called 4 times just in the month of XXXX, finally i got a customer service person that told me they have an outside company that works with them on all of that and i was forwarded. XXXX XXXX was the persons name i was put into contact with.Unlike what the customer service person told me he DID work for Wells Fargo. He asked me to give him information which i did, it took several weeks by this time it was XXXX and i had not made a payment since XX/XX/XXXX. After submitting paperwork i was told in XX/XX/XXXX they would not help us and that all i could do is pay up the account or be foreclosed on. Since the XXXX of XXXX i have been trying to pay the account up they will not take the payment. Customer service at the XXXX number refused. Location bank Tellers refuse. with no reason why, i am just told they can not help me and there is nothing they can do for me. Finally after 3 attemps on the phone and 4 attempts in person i got a banker at the XXXX XXXX Wells fargo to give me a reason. XXXX XXXX XXXX has a block on the account and no payments can be made. I have contacted him several times now and am still waiting on contact back. Seems they would rather foreclose then to allow a person to pay for their mortgage. I thought refusing payment was illegal?

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 09/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am disputing the charge from, XXXX Business, my credit report, shows i owe, {$1000.00}. i have never received a bill from them and and I was and i am om XXXX and medic care, I have never had any bills. to pay for any services from XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: I opened an account with Bank of America in XX/XX/XXXX called " campus edge ''. I am told that in XX/XX/XXXX I received a statement notifying that my bank rules have changed and now I am going to be billed {$12.00} per month for not having a balance of {$1500.00} in the account. 

I find this unfair that if someone missed the statement warning they essentially bleed out their money. No email alerts for fees are sent out. Only " statement available ''. It 's a nice way to steal {$120.00} a year from small accounts that people forget about. 

I lost {$210.00} this way before taking back control.

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 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX was turned in after service was canceled, but XXXX XXXX claims that I owe for equipment not surrendered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-03-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AE).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX loans with Ocwen ( mortgage and Equity ) It was clear to me about escrow going in mortgage but, after discovering from my Equity loan billing statement that part of my payment was also going in escrow. I immediately called and asked why. I then requested information on how long the company was charging my escrow account. Ocwens then stop all billing statements. I called many times and sent letters, See attached letters. Letter will be sent by email separate.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a second mortgage loan ending in XXXX with Wells Fargo Bank , N.A . ( WF ). I received a letter ( attached ) on XXXX XXXX, 2015 regarding this ( in my feeling XXXX preditory loan. The letter stated " During a recent review, we ( WF ) noticed there was an error in the " Year to Date '' summary section on your billing statement. '' The letter goes on to state there is no action required by me ; however no where in the letter does Wells Fargo explain exactly what the " mistake '' was, when it occurred, the amount, etc. They state that prior to XXXX XXXX, 2015 the year to date amounts paid in " Other Charges and Fees '' and " Insurance and/or Taxes. '' There is no explanation as to what " Other Charges and Fees '' or " Insurance and/or Taxes '' are? WF does not pay any funds for insurance or taxes related to my account that is handled by the first mortgage company. They have ignored my requests in the past to give a full explanation of what " Other Charges and Fees '' are? They seem to just put whatever charges on the account and expect me not to question them when they know they are wrong. Is it legal for WF to just put charges on my account without any explanation or site insurance and taxes for the account that they are not involved with nor do they pay? In the past when I have sent correspondence to WF requesting information they have ignored my letters. I am sending the correspondence from them and my response asking for additional information in the hope that they will respond and provide me what I asked.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
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 have been leasing a  2016   XXXX   XXXX . I had requested 2 months of payment deferral. I was granted the deferral for the months of  XXXX  and  XXXX   2016 . I paid the deferral fee 's of  XXXX  per month. I was told that the payments that were deferred would be put at the end of my lease.  Currently   XXXX  is reporting those months  as 30-59 days  late. I have asked them to remove these credit markers and they have told me that they are unable to do that. And that they are reporting correctly. I have disputed this information with the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: When called to verify, they could n't give me much information other then a phone number to XXXX, which I called and they had no idea what I was talking about, but I am trying to get a home loan so I caved in and called and agreed to settle, They Agreed to delete the collection, I was forced to pay this, even though I do not believe the debt to be true. I am still with XXXX, and never had a late balance. They have not deleted the collection, and have just updated the balance to {$0.00}, ignoring my disputes with the bureaus. They have removed this off of my XXXX report, but it is still showing with XXXX and XXXX. Also they are reporting as they are the original creditor, when in fact they are just a debt buyer. Which is illegal. I was also never notified of any debt by mail or phone before it was posted to my credit report, and not given any chance to verify the debt. Please remove this from my credit history.I really do not want to have to get an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: Financial organization : CoinBase Through Coinbase exchange I purchased a Bitcoin from coinbase in fractions over time. When I had XXXX Bitcoin I put that bitcoin in Coinbase Vault for safety. While creating the safe I was told that it will take 2 days for a withdrawal ifwhen needed and involves approval from 2 parties ( primary and secondary ). Approval is gained by sending the email to both parties. Once the parties approve the email the extraction process starts and finishes in 2 days. 

When i actually tired withdrawing my Bitcoin the verification email did n't come to the registered secondary approver 'S email ( of my husband ) and hence the process did n't even start. All other emails from Coinbase arrive just fine ; Only the vault approval emails are not received. I 've tried all the steps suggested by their chat bot but it did n't resolve the issue. 

Tried this process many a times but I get the email for approval but the secondary approver does n't. Email address is correct as all other emails from coinbase come to both addresses just fine. 

I 've filed numerous ( 3-4 ) complains starting XXXX XXXX to coinbase and every time I get the acknowledgement of the complain but no action is done. I 've also wasted many hours on phone at their support line but never got to talk to actual person. 

My husband did some research and learnt that they time to time blacklist email accounts and hence the emails are never delivered. 
XXXX XXXX : He filed a few request to fix the email issue but to no avail. After filing the complain all we get is an acknowledgement and some pre-canned text to try self-help steps. Tried all, none worked. 


Initially it was frustrating but now it 's getting depressing to not able to withdraw my on funds. Coinbase charges a very high fee ( highest among all exchanges ) to give services but is worst in customer service. To me it costed hundreds of dollars in fee alone. 
You will find numerous Coinbase related issues on XXXX and other forums. 

I truly regret going to Coinbase. 

Kindly help me to resolve my issues. Once my issue is resolved I 'll close my coinbase account. 

I 'll be happy to provide any more information as needed.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: We opened a Chase/XXXX credit card on X/XX/17 after receiving multiple email offers and promotions and a mailer Offering XXXX miles to open the credit card and XXXX additional miles to add a second person on the card and spend {$3000.00} within the first three months. We complied with these requirements within the first month. We were told multiple times by mail, fax and on the phone that we are only available to get XXXX miles. We are still getting email offers for XXXX miles. This looks like an obvious bait and switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they XXXX ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/XX/XX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted Equifax now its XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

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