milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a home loan through Bank Of America since i have all my business and personal accounts with them. This mortgage process was started approximately 6 months ago. My specialist, XXXX XXXX, was very difficult to deal with and on multiple occassions would not reply for days to emails or phone calls. I stayed patient and after sending all required documents received a pre-qualification for a conventional loan of {$110000.00}. After i received the letter i began my search for a new home. After finding a new home that was within my budget i entered into an agreement on said property. The process was difficult and the seller would not budge on the price. I contacted XXXX and relayed that we may have to terminate the contract, but to wait for 48 hours as we might be able to come to an agreement. She agreed and the following day the sellers decided to reduce the price. I contacted XXXX and my realtor gave documents related to the price change. However, we found out that she deleted all of the documents given to her for the past few months. Yet, i stayed patient and resent all documents. Inspection and appraisal complete on the property, i contacted her once more. This time she demanded i send her XXXX tax reports for my business and personal or she would terminate my contract. I quickly contacted my accountant who informed me that my XXXX tax documents had an extension and wernt needed as my approval was given before these tax documents were needed. She quickly changed her tone after talking to my accountant and requested other documents from my accountant, which he gave to her in a timely manner. My last day for due diligence on the property i was purchasing was XXXX/XXXX/XXXX. For the past 2 days before this period ended i tried contacting her through email and phone multiple times to no prevail. On the last day she contacted me to let me know they had terminated my loan for no exact reason. I dealt with incompetence for months on end, sending and resending the same documents, handling all information as fast as i could while there was absolutely no transparency from the lender. i have retained all email conversations from her as evidence of incompetence. Days going on with no reply, no reply or calls back from either her work number or personal number. This experience has been one of the worst in my life and wasted 6 months of my time.

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 11-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Moved XXXX telephone and internet service to new residence. Technician found new service could not be installed without digging up road. We opted not to do so. Service was never connected. 3 months later we get a bill. Took quite a while to get it taken care of after they threaten collections even though we never had service! They even said I had a credit on my account. I have their email saying that on XXXX. Last month I was contacted by Afni, a collection agency, to collect the same debt sought by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I originally mailed my dispute letter to Experian on XXXX XXXX, 2015 and then followed up wit a second letter on XXXX XXXX, 2015 and till this date i have not heard back from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: Hello, I had a car financed with JP Morgan Chase Bank NA for {$54000.00} since XX/XX/XXXX. Early XX/XX/XXXX I requested a payoff from Chase for the remaining balance of my car ( {$20000.00} ). The car was paid off XX/XX/XXXX. The following week I received a lien satisfaction letter from Chase ( attached ). On XX/XX/XXXX Chase calls me on my phone and request for me to send the lien satisfaction letter back and notified me the account has been reopened due to Bank error. Chase states that the payoff was not enough to cover the remaining balance ( {$4600.00} ). They scheduled a regular payment for XX/XX/XXXX of {$1000.00}. For a loan that has been paid off. The mistake of the bank is put on my shoulders.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Hello, My name is XXXX XXXX XXXX ( XXXX ) an international student from XXXX XXXX holding a valid XXXX XXXX  and Driver license without SSN. I invested the digital currency ( ethereum and litecoin ) through the platform - Coinbase, a digital asset exchange company headquartered in XXXX XXXX, California. I was only asked for valid Driver license when I buy those currency. My account information is my email address : XXXXXXXXXXXX I sold ethereum ( XX/XX/2017 ) for {$2300.00} USD and those fund was back to my digital wallet, which they called USD wallet. However, I am only able to withdraw {$1000.00} money back to my bank, and they suddenly required ssn for withdraw. There is no clear statement that I required to have ssn to invest, ssn is only written as the way to increase the limit I can buy or sell in a week, which coinbase have stated I have {$10000.00} selling limit per week. Currently, I ca n't withdrawn money or sell more digital currency I have in my account. The account is required ssn to make any further movement, it is basically frozen now. There are about 1.3k USD in my litecoin account ( the currency keep changing on the market ), XXXX USD in my USD wallet and XXXX USD pending money which will transfer to this USD wallet. 

I have tried contact their customer service, but there is no way to call them and their email is no longer available. Only way to reach them is through submit a request or message their support through XXXX, which they never response. I have tried to close my entire account to withdraw all my money but it also require ssn information. 

Coinbase community has a forum, which named Coinbase community, there are many invester facing similar problem and never get a response from Coinbase. 

It is what it 's happening now, Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Vehicle loan or lease (Loan) with Go Capital Holdings, LLC (PR).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: On XX/XX/18 I did a favor for a friend who could no pay her monthly installment and paid a one time payment to XXXX who informed me that there would be a {$3.00} fee for payment over the phone. I agreed, but was never informed that there would be an Advance Transaction Fee of {$6.00}. When I contacted XXXX, their response was that they used XXXX XXXX to process all the credit card transactions and had no control as to how XXXX XXXX   processedt them.I believe this to be a deceptive practice as that all fees should be disclosed prior to the termination of the transaction.

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 05-02-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My due date for Home Depot  Consumer  credit card is the first of the month.I pay it early each month on the  XXXX  or  XXXX  of the preceding month. They charge me a late fee saying it was for the previous month even though I made a payment for double the amount due  XXXX  weeks earlier. This appears to be a scam to generate late fees for payments that are not late.   They ca n't ( or wo n't ) explain what date I need to send in my payment to not be late.   There is no possible way to get caught up.     I pay {$200.00} on   XXXX     and {$200.00} on  X/XX  30 days apart yet my {$180.00} payment on  X/XX    generates a late fee on  X/XX . The minimum payment is less than {$100.00} for each of these months. This should never happen.     Predatory late fee structure designed to generate unearned income to company.   Consumers have no recourse. Phone line help staff are clueless.

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 09/19/2017 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: Account information incorrect

Complaint: I have contacted XXXX regarding these accounts and they assure me they 've been deleted, however the CRA 's are still reporting them.

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I spoke with a representative concerning a 30 day late payment that is showing on my  XXXX  and Equifax credit report dated XX/XX/XXXX , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: Bank of America OverDraft Items fees ', XXXX Putting consumers into more debt and or taking their hard earned money. Bank of America rearranges accounting to suit their needs. They also should not charge if deposits are made to the account within XXXX hours, fees ' should be reversed, especially if a consumer calls and requests assistance. Email notifications of low balances do not occur at times for up XXXX hours after. I made deposits on so many occasions on the requested fee reversals.

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 12/21/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE ().
Issue: Confusing or missing disclosures

Complaint: My XXXX XXXX XXXX mother wanted to send money via Western Union to my daughter and myself for XXXX. 

Western Union charged her {$28.00} in transfer fees. 

She was not informed that Western Union has it 's own " Exchange Rate '' that is well below the going bank exchange rate. Western Union quoted me XXXX = XXXX while XXXX XXXX 's rate is XXXX. From the XXXX XXXX the quote was XXXX. These rates were quoted at the same time of day. 

The point is that my mother was not properly informed that Western Union intended to profit from the exchange rate.

The helpline which I contacted after my mother had sent the money at Western Union admitted that they have their " own rate '' that they intend to profit from.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX This account : 1. Was opened XX/XX/2015 2. Was closed in XX/XX/2015 XXXX. Has an Inaccurate Pay status, it should be Paid/Closed XXXX Balance 4. Is missing its balance history for the duration of the time the account had been open 5. Is missing Payment Data for the duration of the time the account had been open 6. Has erroneous comments added - to this and almost all of my accounts.

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 01-04-2018 about Debt collection (Private student loan debt) with ConServe (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: i have a collection account opened XXXX XXXX, 2017, Amount XXXX i recently have gone through financial hardship. I have explained to them my situation, i have very little experience with collection.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: On XXXX XXXX, 2017 I received my second unsolicited and unwanted American Express credit card ( this card came at least with a return address on the envelope : XXXX XXXX XXXX, XXXX, NE XXXX ). Just the month before I had received the first American Express card AND a sheet of checks to get cash from credit, which totally appalled me! This 1st card had a much higher credit limit than the 2nd one received called XXXX Credit Card from American Express. Both of these unwanted, nor ever asked for credit cards were followed within a day or so by a letter from American Express containing my PIN numbers! I have never used a PIN # in my life. Any phone numbers provided by American Express were those to confirm/use these cards or to automated menus which gave me no relevant options to demand these cards and cash-back checks be stopped immediately! I surmised these financial assaults also included surveying my personal data from credit reporting companies without my consent. I resorted to destroying the first credit card and checks, which if misdelivered, as much of our other mail has been to the house just down the block with same house number, could have done copious mental and financial damage. I contacted consumer finance.gov which failed to send me the complaint form I requested for the first mailing and feel very violated and vulnerable as we have mail delivery/misdelivery problems in this very populated and unbridled-growth city of XXXX XXXX, Fl that we live in very close to downtown. We feel this unsolicited and irresponsible, predatory financial marketing is endangering our very good credit, as well as carelesssly exposing us to identity theft and financial liability. We do not owe anyone anything. We have paid off our mortgage, our cars and pay our XXXX credit cards off each month in full! We resent American Express and any other corporate predator endangering our privacy and financial security. Please help my husband and myself with this matter. Very sincerely, XXXX XXXX XXXX XXXX, Florida

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Debt collection (Other debt) with ONLINE Information Services, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and sent only this itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copy of my letter to them, FTC Opinion Letter, their response. Please note that they did not bother to respond to my 2nd request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (Medical) with PDQ Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid my my co-pay to XXXX XXXX XXXX in XX/XX/XXXX for my XXXX. I never received a bill for charges beyond that. PDQ Services, INC has looked into my credit it seems over the years, my husband and I filed for bankruptcy in XX/XX/XXXX. I disputed the information this XXXX XXXX because I got a hit on my credit AGAIN. In the dispute it was stated that the debt was not included in my bankruptcy because it had been paid- I PAID MY MEDICAL CO-PAY for services rendered- again with no notification of owing more than that. Now they are sending me letters stating they contacted their client XXXX XXXX XXXX to verify the debt. 

I called today to speak with XXXX as I have moved away only to find the office has been CLOSED. There is no forwarding number, website or information. I do not know who PDQ is contacting because XXXX XXXX XXXX is out of business. 

I am so frustruated, my credit score has dropped XXXX points in the last month due to this improper collection. When I tried to call today to get information on who they spoke to I could n't get the person who was trying to collect from me on the phone. This is now 5 years later.

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 05-05-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Portfolio Recovery is still reporting a collections account as opened. This was taken care of in the past as my other credit report shows and the XXXX credit bureau has removed the trade line completely. The balance is zero on the account yet it shows as the account is still open.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Debt collection (Medical) with ALCHRO INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My husband went to our XXXX 3 times. 
Once was for a XXXX. XXXX. The XXXX went away on it 's own, and while XXXX paid for the XXXX and XXXX, they did not pay for the XXXX. My husband was not made aware of the fact that XXXX would not, or may not, pay fort he XXXX when the XXXX was taken. I believe this should have been done BEFORE the XXXX was taken. 
His second visit was because he had a XXXX. He paid the co-pay, XXXX, or so she thought. 
The third visit was because the XXXX. Most XXXX would have made the XXXX without additional cost, but this XXXX charged a co-pay AGAIN, which my husband paid. 
All of these visits and charges were posted onto MY account with the XXXX, not my husband 's. I do not know if the XXXX correctly submitted the XXXX to XXXX or not, since it is on my account rather than my husband 's. 
Now, there are XXXX collection notices on MY credit report. While I do not believe anything should be due at all, the XXXX collections are adversely effecting my credit. If there is any collection at all, it should certainly ONLY be XXXX issue.

Company response to consumer: Untimely response
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have asked the credit reporting agency experian to investigate information that 's incorrect on report. I do n't believe they even investigated anything accounts all should be in bankruptcy. Experian will not srnd me any validation stating legal obligation to any of the accounts that are incorrect. Experian will not send me payment history. Furthermore no account shoulf have negative remarks my bankruptcy is now discharged.

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 01/30/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: MY account had been sold/transferred several times, without any notification, until a collection call would be placed. I would start making payments and then it would get sold again, but the payments i made were never applied because i was sending the money to the wrong company, and when i called the company I thought I was supposed to be paying it to, they magically have no record of receiving payments. I have been lied to repeatedly by Great Lakes, they have theatened to garnish my wages, take my tax returns, and other legal actions. i finally get into a plan i can afford, only to find out it doesnt even pay off my loan like they said it would, it just keeps paying them and never reducing the amount i owe, to the tune of {$13000.00} over the last 4 years. When I call, i get put on hold, or told they dont know whats happening, and they push me into another type of payment plan or forbearance. When i ask to speak to a manager, they never answer, or give me the run around. I cant get out of debt, and Im drowning in it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation