milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (OK).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I called Freedom mortgage & asked for a pay off amount. They sent me an email for the wrong acct & name. XX/XX/XXXX I called again told them the wrong info was sent. Since I did n't want to get a late charge, I went ahead & made a payment for XX/XX/XXXX for {$510.00}. {$15.00}. was for a draft fee. A XX/XX/XXXX payment was applied for {$180.00} the rest of the money should of been applied to the principal. For some strange reason they applied it to the escrow acct for XX/XX/XXXX & XX/XX/XXXX. XX/XX/XXXX I once again asked for a payoff amount. The wrong amount was sent. 2nd phone call XX/XX/XXXX, I told them the amount was wrong, they put in a request to take the escrow payments for XX/XX/XXXX & XX/XX/XXXX. put against the principal. On XX/XX/XXXX I once again asked for the payoff. Once again I got the wrong amount. XX/XX/XXXX tried to get the payoff, still was n't correct. The lady I talked to put in another request to correct the XX/XX/XXXX payment. XX/XX/XXXX I called to see if they had corrected it. I was told the cash section said it was applied correct. The man I talked to said he could put in the request again. But they would n't put XX/XX/XXXX escrow back because then I would have to pay a late fee. He did n't know who to send a complaint to.

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 10/29/2015 about Bank account or service (Checking account) with CITIBANK, N.A. ().
Issue: Account opening, closing, or management

Complaint: XXXX, I opened an account ( Savings and Checking ) with Citibank. On the advice of CITIBANK, the accounts were part of the " XXXX XXXX Banking '' package. Between XXXX and XXXX, I was not charge a monthly fee. 
However, I noticed in XXXX ( as I do not check my accounts frequently ), that starting in mid XXXX, I was charged XXXX {$25.00} per month. My numerous attempts to convert this account to a normal XXXX where I am not charged a fee, attempts to reverse the charges and also attempts to close the accounts through online chats with Citi 's representatives, international calls and messages, have been futile. Instead, I was repeatedly channeled from XXXX division to another, and even when I am in touch with the XXXX Banking Team ( they all do n't speak to each other ), I was told that I could not close the account unless I physically present myself at a Citibank branch in the XXXX ( I am now located in XXXX ), even though I could possibly open a normal account online that does not incur monthly fees. 
The constant inability of CITIBANK to resolve my issues or even assist to close my accounts and point me in the right direction is a violation of my customer rights, not to mention charging me XXXX {$25.00} a month when previously this did not happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Many agencies that pull my criminal background are not receiving the correction information on my record. I have found this since I was release from the XXXX XXXX in 2009 from XXXX XXXX. I have experienced the inaccurate reporting from many employers, rental properties, and financial services. I am currently working on stabilizing myself with a job, shelter, and food. I found that they report that I have felony charges and convictions. I only ask that the agencies receive the right information to further the chances of change for revitalization in society.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I 've had been a victim of transunion inquiry issue. I have called them to try and remove items but customer service did not help. 

Here are the inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 07-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: giving an update on ocwen, last week i spoke again with a very nice lady named XXXX, spoke perfect english, understood everything she said and she wanted to check on our application and she needed a month of when our hardship began. i said around XXXX, 2011 and i dont even know if thats true, it was a guess, so she said ok i will put it in here myself and send you to underwritting. well today at XXXX. XXXX called from ocwen and said his agent number a little off bc you cant understand anyone except XXXX but it may have been XXXX but not sure, he said we just need to know the month of when your hardship began. i bout died but i said maybe XXXX 2011.he says ok i will input that myself and get you back to underwritting then he reminded me i had an appointment with our relationship mgr. tonight at XXXX and when they called it was a lady her id was XXXX couldnt understand her name but she proceeded to tell ask me if i spoke with XXXX today and i said yes and she said well if you can fax me a paper stating what month your hardship began in we can get you to underwriting. this is like the XXXX request for a hardship date in XXXX weeks. XXXX are you guys out of your mind. now i just found out that i have a bad XXXX well no XXXX wonder the second leading cause of a bad XXXX is STRESS and let me assure you ocwen that since you have been doing my family this way since 2011, you are the cause of my STRESS

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Consumer Loan (Vehicle loan) with First Investors Financial Services Group, Inc. (TN).
Issue: Managing the loan or lease

Complaint: We got a car loan through First Investors Servicing Corporation on XXXX/XXXX/XXXX. My husband lost his job XX/XX/XXXX. We paid up until we asked for 2 differed payments, which we were granted, but after that we were unable to catch up and pay on time. In XXXX XXXX, we gave the car back to them because they would not work with us. We were hoping to refinance through them, but we were told that is something they do not do. When we got the later stating what we owed left on the loan, we were taken back on the amount. It was extremely high! Even with late fees, we were floored to see the balance. We began investigating our account and found out that when we paid, AND current, different amounts went to the principle amount towards the loan. Every month up until XX/XX/XXXX, had a different amount. One time, only {$5.00} went to the principal. Seriously ... {$5.00}. We contacted a lawyer and found out that in XX/XX/XXXX, First Investors had already been fined XXXX dollars for doing the same to others AND false reporting to all XXXX credit bureaus. The lesson has not been learned. Now they have added on more fees and costs and now we owe more on the car then we even took the loan out for! They are bad, bad people and have no right in giving anyone a loan. Please stay away from this company and if by chance you are stuck with them right now, I seriously advise you to take a good look into your account and even check the credit bureaus. We are now loacting an attorney to help with deceptive trade practices, because this is what they are doing. Thank you.

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 12/25/2015 about Consumer Loan (Installment loan) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Problems when you are unable to pay

Complaint: I have now defaulted on a loan with World Finance Corporation. When I attempted to make a partial payment. The lender returned the partial check via mail refusing the partial payment. Now they are attempting to collect and contacting my leasing office as well as my employer to gather information on me. Both the document sent to my landlord and employer are falsified. The document that I completed at the time of receiving the loan were not the same documents that were submitted to my landlord and employer. The area in which you give authorization to collect such documents is from another document that I signed. Those documents were not amongst the original documents that I filled out. Therefore, I believe that they duplicated my signature in order to collect information about my address and employer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I never got a mortgage with XXXX XXXX XXXX XXXX and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened dateXX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/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 08-10-2017 about Mortgage (Other type of mortgage) with Caliber Home Loans, Inc. (TN).
Issue: Trouble during payment process

Complaint: I paid loan in full on XXXX XXXX, XXXX. Caliber Home Loans, XXXX XXXX XXXX, XXXX XXXX, Ok.sent me on XXXX XXXX, XXXX what was suppose to be the necessary releases to get lien released and get a clear title. I submitted request to Tennessee DMV with necessary documentation provided by Caliber Home Loans. DMV returned paperwork to me showing that a lien from XXXX XXXX XXXX XXXX XXXX XXXX , Ga. XXXX was shown as lienholder. I called Caliber and was instructed to contact the release dept. via e-mail. They would not give me a phone number. A copy of e-mail correspondence is attached. My primary complaint is that I was promised on XXXX XXXX, XXXX that Power of Attorney to get lien released would be mailed that day. I can not sell or trade motorhome with the release of lien.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently started paying attention to my credit report since I am in the process of purchasing a home using my VA home loan. I noticed that my credit report had tons of inquiries that I never authorized or gave consent to. I disputed the inquiries with Equifax and the result came back that they were verified consent which is false. I never authorized any of these inquiries and constitute this as fraud. XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MS).
Issue: Credit decision / Underwriting

Complaint: Following My Chapter XXXX bankruptcy discharge on XXXX XXXX, 2015, in which Ocwen was included, Ocwen started reporting to the credit bureaus that my loan was reaffirmed and reported balances, in violation of the fair reporting act. Attached are XXXX different credit bureaus reports. 
XXXX - shows Open, Balance & Reaffirmation of Debt ( XXXX payments made on time ) XXXX - Closed, shows Payments, Balance and Reaffirmation of Debt ( 12 payments made on time ) XXXX - shows Open, Payments, Balance and ( 13 payments made on time ) XXXX - shows discharged, Never Late, account paid as agreed ( missing history )

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I receive phone calls at least XXXX times a day, everyday, while I am at work, for a collection agency for a debt that is not mine from phone number XXXX. The phone calls are automated and I have tried multiple times to remove my phone number from contact, again, from an automated system XXXX. I have tried contacting a live representative at XXXX, but I am always put on hold and then the call is dropped, everytime.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 04/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Aargon Agency, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I use to have a XXXX XXXX XXXX bills since XX/XX/XXXX to XX/XX/XXXX, and I had problems paying the XXXX dollar bill owed to XXXX. Since XX/XX/XXXX to current I have used XXXX assistance to pay the remainder balance under a different account holder with me associated with the account, and all the payments from XXXX, XXXX, and my own money since XX/XX/XXXX all the way till XX/XX/XXXX the bills was paid. My home is a protected address with my son, and I had to put a temporary injunction with XXXX XXXX Colorado, and that is XXXX County with XXXX district courts to maintain my residence without losing my electricity, but the one account where I was alone that I paid for faithfully for 7 years since XX/XX/XXXX to XX/XX/XXXX, that XXXX dollar debt was absolved or should have. I wrote complaint letters to XXXX, and they send the bill to other collection agencies where this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Using a debit or ATM card

Complaint: 1 ) Subsequent to the loss of my debit business card which of course was timely reported to my bank under regulations E, I have not as to date received immediate returns of my funds as requested under banking regulations. 
2 ) There have been numerous UNAUTHORIZED CHARGES which were not made and unauthorized by me and or my business entity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX XXXX, 2015 I have contacted Trans Union about a XXXXPublic Record being reported on my consumer report, I provided letter ( s ) and a copy of my police report and fraud victim identity theft affidavit in support of my dispute. The name of the creditor that reported the Public Record to Trans Union is ( XXXX ). I further advised Trans Union that when i reached out to the court they advised me that the information I 'm providing is not correct or not the same on the court records. Therefore someone used my name to file for this fraudulent Bankruptcy 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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XX/XX/XXXX, I successfully placed a security freeze on my Equifax and XXXX accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to Equifax announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Credit card () with AMERICAN EXPRESS COMPANY (VA).
Issue: Customer service / Customer relations

Complaint: This morning I went on-line to my American Express account and noticed that my account was 19 days past due. I promptly paid the amount that they requested online that would bring the card immediately current. I paid by having the amount deducted from my bank account on the same day. Thinking that the matter was settled, I then called American Express to explore my " Membership Rewards '' options, because I have accumulated a lot of points. When I asked to speak to the Membership Rewards department, I was interrupted by a customer service representative who asked me to pay an additional amount -- any additional amount. When I asked her what the benefit of doing so would be, she simply said that it will reduce my future invoice. When I asked again what the benefit to me would be of paying an additional amount, she said that she would put a positive note into my account. When I asked her if this would have any impact on my credit score, she said no, it would not. The representative could not articulate for me what benefit would accrue to me from any additional payment. Yet, the representative kept me on the phone for 15-20 minutes and would not connect me to Membership Rewards until I paid an additional amount. I paid {$2.00} more and then when she connected me to Membership Rewards, the office was closed. This was an incredibly frustrating experience and waste of my time. My issue is not with the customer service representative. My issue is with American Express 's practices. I have been a card member for 22 years and have never had to complain before, but this was beyond the pale. American Express needs to change their abusive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Fraud or scam

Complaint: Hello, I have been locked out of my coinbase account that holds my funds for 50 days, starting Saturday, XX/XX/XXXX. I start trading using this account on XX/XX/XXXX and already verified my account and linked it to my bank account, which I used to wire the money to my coinbase account. 

I tried to recover my account by submitting a copy of my driver license online on Saturday, XX/XX/XXXX, and Sunday, XX/XX/XXXX however, because the name on the online account is different than the name on my driving license ( the name on my driving license contain an extra letter as an initial for my middle name, however, only my first and last name shows up at my account ), the process failed. I reached Coinbase customer service by email on Sunday XX/XX/XXXX and by phone on Monday, XX/XX/XXXX, XXXX XXXX  EST and submitted a high priority ticket ( as the agent told me ) due to the sensitive situation since I have all the needed documents for account recovery and the first and last name matches the name on the account. 

I did not hear back from coinbase and I tried to call them several times ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) but unfortunately, the agents refused to give me any useful information or estimated time for coinbase reply which till now is taking almost two months  without the ability for me to access my funds. They also refused to transfer me to the department that handles the accounts lock out or to even contact them. Only one time the customer sevice agent promised that he will contact them on my behalf and will send me an update email, but he did not. The problem is that the market is a very sensitive one and I lost more than 1100 $ due to the change in the trading prices and the inability to sell or even transfer or use my funds. This is in addition from preventing me from access/invest my money. I still do not know when the company is planning to respond to a high priority issue, as stated by their customer service agents, which will further change the amount of loss I am encountering till this moment. I have a copy from all the emails that I received after each call.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, 2015, XXXX XXXX XXXX XXXX XXXX entered into a Consent Order with the CFPB regarding their litigation department collection calling practices, resulting in a refund of payments made as a result of these predatory practices. My account, formally with XXXX was settled in full, however, XXXX XXXX XXXX continues to report this as an active collection account. This false reporting is detrimental to my credit score, and it appears to anyone reviewing my credit report that I still owe money, and the account is in an active collection status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation