milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: amount paid in full. company still shows as owed. its never been past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (PA).
Issue: Deposits and withdrawals

Complaint: Pursuant to an Order of Court on XXXX XXXX, 2015, per XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX, Sec. XXXX, ( XXXX XXXX XXXX XXXX, XXXX ) In the Matter of Succession of XXXX XXXX XXXX, I was granted immediate possession of all funds in Chase Bank Account No. XXXX. It has been almost 3 weeks since I first contacted Chase to deliver these funds, and Chase will not commit to a date by which these will be delivered. Chase has no right to retain money that the Court has ordered to be paid to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am trying to get an explanation as to why my loan did not qualify for a modification with a principal reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (PA).
Issue: Making/receiving payments, sending money

Complaint: I used Paypal to make a $ XXXX monthly recurring donation to the charity " XXXX ''. The first donation was on XXXX XXXX 2016, and I used my XXXX credit card to make the transaction. I assumed the second and future donations would use this same payment method since I set it up to be recurring. However, on XXXX XXXX 2016, the funding source used for the second donation was my XXXX checking account that I have on file in my Paypal wallet. This is n't even my main checking account I use on Paypal, which is XXXX. And this change was done without my knowledge. I did not have sufficient funds in that XXXX checking account, which caused me a {$35.00} overdraft from XXXX. 

Why is Paypal allowed to default to another payment method which was different than the one I had selected for the first in the series of recurrent payments? It completely took me by surprise, and I was not informed in any way when I set up the payment, that my future payment methods would be changed automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Credit card () with DISCOVER BANK (KY).
Issue: Billing disputes

Complaint: Discover claims my payments for their XXXX accounts with them were each 1 day late last month. They raised the amount of my payment on each, charged a late fee on each, and increased my interest rates on each. I filed a complaint with the BBB of the area, and requested contact be made via mail, but Discover started to bombard my home with phone calls. The XXXX time they called, I was out getting groceries and they spoke to my husband, which is against the law. His name is not on my accounts. I mailed my payments in plenty of time for them to get to them, and paid more than the minimum payment due on each! It so happens there was 1 day the mail did not run in XXXX, due to the winter storm, and if in fact the payments did not make it in time, that is most likely why. I have no control over the weather, or when the post office might close, but truthfully, I believe the payments got there, and they set them aside so they could claim late payments. It would n't be the XXXX time they have done this to me. I mailed their payments 6 days before the due date. They usually receive them within 4 days of the time I mail them, so something fishy is going on here. They are ringing my phone off the hook, and refuse to make it right, even after the BBB complaint. They have already called XXXX times today alone, and I know they will call more. I have documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is apparently a lien on my account for {$6700.00} from New Mexico  Taxation and Revenue f rom  XXXX . This has somehow been linked to my name. Please note that I only moved to the US in  XXXX  ( I am an  XXXX  citizen ), had never heard of "  XXXX  '' before today, and have nothing to do with this apparent outstanding account.     How can someone link something to your account with no one actually doing any checking?

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Bank of America has been charging my savings accounts a monthly maintenance fee even after meeting requirement as stipulated to me ( i.e. maintaining a direct deposits from my checking to savings account each month ). Spoke with the agent, she say the rules have changes now - but Bank of America never informed me about changes and agent also confirmed that I was not sent a notification. I would request these fees to be reimbursed to me and close my savings accounts. The agent was unable to process refunds due to her access limitations.

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 02/15/2017 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: IMC CREDIT SERVICES are accusing me of a medical debt that was paid by worker 's compensation insurance. I was never given instruction that I would be charged, or that my insurance was not accepted, or that I would owe anything outside of what the insurance company already paid. I also have never received any written communication of any documents that I have signed regarding this and was never contacted stating that I owe any amounts of money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: THIS ACCOUNT WAS CLOSED AND THE UNIT CONTENTS SOLD. I HAD REQUESTED FULL DETAILS OF THE PROCEEDS RECOUPED AGAINST THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have sent equafax a request to investigate a few inquiries on my credit report multiple times. They do not seem to do a proper investigation. I have tried multiple times to resolve this issue but they keep sending me the same response back.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I paid off two ( 2 ) credit cards two months ago. XXXX has the correct information but Equifax still has old information even though I sent them the updated confirmation. This inaccurate information is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Credit card () with SYNCHRONY FINANCIAL (MA).
Issue: Closing/Cancelling account

Complaint: Back in XX/XX/XXXX I have a returned credit card payment on my old navy store card through synchrony bank. I corrected the issue a few days later. Moving forward I made all of my payments on time every month. In XX/XX/XXXX I got another returned payment notification and again I quickly corrected the issue. My card has always been set up on auto pay but on this day in XX/XX/XXXX synchrony bank attempted to collect the scheduled payment around XXXX est and my direct deposit did not enter my account until after XXXX that day. Although I made the payment once I was notified that the payment was returned my account with synchrony bank was closed. I spoke to a rep and XXXX managers and was told that there was nothing that they could do to help me. I do n't feel that this bank is for the people, I feel cheated. Ive been working very hard on my credit and to have a closed account on my credit report is just down right wrong. The rep and both managers totally understood where I was coming from and even stated that I 've made all payments on time. They were very apologetic but could not do anything to reopen the account. My current balance on the card is {$57.00} not even close to my {$300.00} limit. Is there anything that I can do to get this card reopened? I am planning to purchase a home this year and I really do not want this on my credit report.

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 06-12-2015 about Debt collection (Medical) with Collection Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt in full and they are not updating my Credit report to reflect paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Medical debt) with Grant & Weber (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection agency is trying to collect debt that I do not owe. I had and currently still have medical insurance for the dates of service. The medical facilities did not notify me of any kind of debt nor did they bill my insurance instead they sent me straight to collections without me knowing and now due to interest the account is tripled. The medical groups are wrongfully billing and affecting peoples credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Other financial service (Debt settlement) with Navient Solutions, LLC. (IN).
Issue: Fraud or scam

Complaint: I attempted to contact Navient to discuss my student loan at  XXXX . The person answering the phone presented himself to be a representative of my student loan account and proceeded to ask me to give him information to identify myself to him so that he could look up my account information. I answered his questions with my personal information, including my social security number, and then asked him to identify himself to me again. The line went silent for a few seconds and then he began to ask me further questions. I asked him again to identify himself and asked if he was in fact a Navient representative and the line went silent and then he hung up on me. I have been receiving multiple calls from numbers claiming to be  XXXX   XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report list XXXX of my employment is the XXXX.i have never worked for the XXXX.my ex husband worked for the 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 non-monetary relief
Consumer complaint received 10/24/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PNC Bank N.A. (FL).
Issue: Other transaction problem

Complaint: Took a long time to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit determination

Complaint: I checked my credit score on XXXX and it says that for my American Express credit card I have missed 12 payments, witch I 've never missed one. The card it 's closed already because on XXXX XXXX I made my last payment.. 
I had a balance of almost {$5000.00} in XXXX XXXX, could n't pay it off like they asked me to, so I call American Express and made a payment plan with them for 12 months of {$380.00} a month. I never missed a payment for this card and it shows on my credit repost that I missed all the 12 months payments.. I can prove that I never missed a payment because they discount automatically from my bank account every month. I open a dispute on XXXX to verify that, but nothing happen.. My credit still bad because of that..

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with my lender Ocwen regarding a loan modification. I have been providing the documentation requested in a timely manner and have been following up once a week to ensure the process is going smoothly. I was told several times that the foreclosure was on hold due to the active review of my file. I then find out that on XX/XX/2016 that my house sold back to the bank. No one ever informed me of this sale date and the trustee 's website in fact stated that it was on hold. My homeowner bill of rights have been completely violated as the sale proceeded during review, I am aware of dual tracking and am not afraid to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (MN).
Issue: Customer service / Customer relations

Complaint: I applied for a card issued by American Express on XXXX/XXXX/15 and is what the AMERICAN EXPRESS BUSINESS PLATINUM CARD. I received a letter in the mail stating that the application was cancelled, every card card application I apply for with this creditor ends up being canceled not declined because I have excellent credit and they know it. They also single me out for every application in asking for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: Hello, I have been using Coinbase.com to purchase some cryptocurrency. To transfer money in, I had to use a XXXX transfer from my bank ( XXXX, XXXX ). I made the transfer from my XXXX  account on XX/XX/XXXX and it arrived 2 days later in the Coinbase account. The instructions requested that I use a specific identification code in the transfer, which was fine.

I wanted to withdraw a quantity of that money back to my XXXX account, for which Coinbase requested that I send another XXXX transfer for a small amount to verify my bank account, which I did on the XX/XX/XXXX( at a flat fee of XXXX per transfer ). Since then, Coinbase has refused to verify my account and I am left with XXXX of my money stuck in their account.

I have mailed Coinbase on two occasions about the issue, on the XX/XX/XXXX and XX/XX/XXXX, to which I have received automated responses. I have read of many other accounts online that have suffered the same problem with no help from Coinbase.

I need access to my money immediately and they are refusing to let me withdraw it back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Transunion employee is lowering the credit score. Debt has been paid down with no improvement within the last five years. There are no liens payments are on time. Could decipher what was causing the score to be so low. Contacted Transunion for correction however this has not been corrected. Scoring does not match what is occurring. Additionally there were jumbled addresses that I requested to be removed from people attempting to take credit. Placed credit on a fraud alert. Issued new information however this issue is not resolved. Additionally there are collections that were paid that should be removed from the account.

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 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.

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 06/18/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with JPMORGAN CHASE & CO. (CA).
Issue: Problem adding money

Complaint: I am currently using the app   XXXX   XXXX   and my bank isnt sending my informati on I request as needed. ( Account balance/banking ). I 'd really appreciate if they started to send my information and be on top of it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I have been called and send letters that I missed my XXXX XXXX XXXX house payment. Yet they cash the check on XXXX XXXX and on XXXX plus called I have been treated very rude and nothing is being done to resolve my issue. I have faxed them the cancelled check and they still demand another check. The entire staff I have talked to XXXX and they will not listen and hang up or put me on 30 or more minutes hold. They are not trying to resolve my issue and I have paid and they are threathen me with bad credit and late payments even while they have process my check.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated in 1996 and my loan was {$35000.00}. In the beginning, I was paying regularly but then had difficulty making the payments so I went into default. Additional fees and penalties of over {$15000.00} were applied. Then I got a new job and agreed to new payments that were automatically being taken out of my account over the course of 3 or 4 years. I then went to buy a house and was told I was in default! And I had been regularly making payments for years!! I called Navient and was told I was not on an " approved '' plan so it did not count as a " payment '' so my account was sent into default. They had never informed me that I was never on an approved payment plan or that I was in danger of being in default. And now, after even more penalties and fees, my loan is up to {$120000.00}!!! This is criminal in my opinion and should not be allowed to happen. My credit has been affected, if it was n't for this, my credit would be excellent. I 'm really hoping that the Trump administration will crackdown on these thieves and put a stop to this. I do n't mind paying what I owe but not this inflated figure with crazy interest and penalties!! I do n't know what to do, please point me in the right direction.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (MD).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: They are calling before or at XXXX and after XXXX and repeatedly calling every hour on the hour.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: I was surprised to receive notice of my mortgage increase for the second time in eight months. I called Ditech about the reason for the increase and was not convinced about the explanations given. Ditech failed to hear my concern and what I had to say. Our loan is a fixed interest loan with monthly Escrow ( of property tax and insurance ) included. Since there was no significant increase in our county tax or property insurance, such increase can not be justified. 

To confirm my suspicion, I exported the information from Ditech Annual Escrow Account Disclosure, the yearly evaluation of the escrow statement at my online account at Ditech.com. When I looked at the numbers from XX/XX/XXXXuntilXX/XX/XXXXin a spreadsheet, I noticed the discrepancies which prove my point about Ditechs uncalled increase. Clearly, the increase of {$45.00} on XX/XX/XXXX, and again onXX/XX/XXXX for {$42.00} can not be justified according to Ditech 's own escrow calculations. 

I emailed Ditech with my findings but did not receive any explanations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation