milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Debt collection (Credit card debt) with Advanced Call Center Technologies, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a delinquent account. I have made previous arrangements to pay the balance. The first payment cleared in XXXX, 2017. I set up subsequent auto payments in the amount of XXXX for 5 months. I have the confirmations. They continue to call and continue to give me wrong information for transactions I did not authorize. They are calling to the point where I am being harassed. They have the payments set up, I do not understand why they continue to call or why they have the information wrong when they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Mortgage (FHA mortgage) with Home Point Financial Corporation (NJ).
Issue: Trouble during payment process

Complaint: My home owners insurance lapsed XX/XX/18. Home Point Financial is my mortgage company, they haven't sent payment l. I have tried calling and emailing also representatives at XXXX have tried as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (RI).
Issue: Unexpected or other fees

Complaint: I am a Coinbase customer whose account was locked with Bitcoin inside by mistake by Coinbase at   XXXX   XXXX  . The total amount is about   XXXX   Bitcoin which values about 3000 USD at that time. The reason the account was locked is that the company believed I was making Bitcoin transaction at  XXXX , which is not true. Because there is no transaction made since   XXXX   XXXX  . Besides, all my transactions happened in the US.
After finding my account was locked, I tried to reach the company support and provided all the material they claimed they need to unlock my account, and the company said they will working on it. However, it has been 15 days since I got that reply from the Coinbase support and there is nothing changed. After that, no matter how many messages I sent asking about the progress, there is no reply, and my account is still locked with my fund inside.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: how can a disputed claim be taken off my credit report then a month later just put back on again????

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NJ).
Issue: Problems when you are unable to pay

Complaint: I financed a car from Regional Acceptance Corp. a few years ago. I fell into a financial bind and could no longer afford the car. They called me XXXX evening and told me they were going to repossess the car. I gave them my permission to take the car. They said that they would sell the car. Well, as it turns out, they did sell the car and now they want {$9000.00}. from me because they did n't get the price they wanted. They 've sent me several letters asking for the money. They even sent a certified letter. The car is not worth that much and I want to be left alone. I refuse to pay for a car I no longer own. They said that they got over {$6000.00}. for the car. Well, take that and be satisfied. I will not give them any more money.

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 07/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Navient was supposed to send me documents reguarding the late marked on my credit.They removed them but still have not sent me documents about the removal.I was granted forbearance and deferment from 2008 from Navient.During this process Navient was not allowed to mark my credit late.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Trouble during payment process

Complaint: Another Fraudulent Wells Fargo Practice Home Mortgages ( Misapplication of Loan Pre-payments ) My wife and I have a home mortgage with Wells Fargo ( origination XXXX XXXX ). During XXXX we began making additional payments to build equity and, hopefully, payoff the mortgage before the end of the stated term. We communicated our intent for additional payments to be applied to principal. Indeed, Wells Fargo appropriately applied our additional payments to principal until XX/XX/XXXX. 

However, in XXXX XXXX, for some mysterious reason, Wells Fargo applied our additional payment to the XXXX XXXX principal and interest payment ( i.e., a pre-payment of the following months mortgage payment ). Wells Fargo failed to notify us of this change in method of applying additional payments. Wells Fargo representatives indicate that the reason the payment was not applied to principal was because we did not provide specific instructions for that payment to Wells Fargo. This explanation was shamelessly provided notwithstanding the fact that previous payments were appropriately applied without specific instructions. Wells Fargos explanation is even more unbelievable when you consider the fact that we made our regularly scheduled payment in the following month ( in XXXX XXXX ). At that point, it was obvious that our intent was NOT to pre-pay the XXXX XXXX mortgage principal/interest amounts. 

Note : We pay our mortgage electronically ( like most people ) so we do not provide instructions for each individual payment. However, we previously communicated to Wells Fargo that any additional payments should be applied to principle. 

Wells Fargo has repeated this practice on several occasions over the life of the loan. As a result, my current loan balance ( as of XXXX XXXX, XXXX ) is overstated by approximately {$2400.00}. 

When brought to their attention, Wells Fargos attempt to correct these errors generally result in additional errors ( e.g., late fees charged to my account when payments were reversed in the system, etc. ). In fact, Well Fargo representatives recently tried to discourage me from pursuing this claim indicating that payments will need to be reversed all the way back to XXXX, which will increase the chance of more errors. I couldnt help but think : Did they really just say that? 

I believe this is just another common tactic that Wells Fargo uses to covertly steal their customers money. The representatives at Wells Fargo that I 've been dealing with have been very respectful and appear to be genuinely interested in addressing my concerns. However, it is obvious that they are operating under Corporate mandated directives that restrict their ability to do the right thing, which is not that surprising given what we now know about the culture at Wells Fargo.

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 04-05-2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the When I returned a missed call to agency the representative refused to give name or information. Would not connect me with supervisor. Hung up on me when I again asked for the supervisor. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work for XXXX XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency. Bullying me, rude and loud tone. Called supervisor XXXX XXXX and left a message about the matter. Supervisor XXXX returned my call 2 hours later. She briefly went over account and asked how I was going to take care of the account. I told her that medicaid was contacted so I could dispute the unpaid bills. She told me they would n't do anything about them! I told her I could n't make any payments at this time, she asked me " Well do you still work at XXXX? " I said yes and then asked who my husband worked for, I told her that it was none of her business and she said, " Refused '' as if it was to offend me. Not at all professional. I feel overwhelmed with my phone calls with the Representative and with the Representative Coordinator /Supervisior. I have sent out a cease of communication letter and a disputing debt letter as well to the debt collector agency.

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 03/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 've been having a very hard time with Navient. I filed XXXX complaints against them. I believe they feel nothing will be done so they continue to treat the consumers like garbage. I 've been trying my best to get things with them resolved with the loans I co-signed on. First of all, I 'm trying to figure out how they loan jumped from one cost to another. I understand late fees and all but to go from XXXX in loans to over XXXX ... Yeah I think something is wrong with that. Not to mention I have requested numerous time to get a copy of the promissory note for the loans. Also, they received the correct mailing address and phone number for the loan owner ... ..they never updated the information. Lastly, the people we have been speaking to, give us partial information ( if not down right false ), they are rude and in my case, they did not answer my questions on my own loans I have with them because of issues with the co-signed loans. I feel like something really needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Closing on a mortgage

Complaint: When buying my first house, while shopping for a mortgage I decided to proceed with a certain bank based on a specific rate and no points. The bank representative suggested to proceed locking the rate and we did it ( looking back it seems I was just told it was ). 

Once the loan application was conditionally approved, a month later, a point was added to closing costs without informing me. 
I realized it the next day and immediately informed the bank, requesting to remove the extra point. 
The bank refused to remove the point, taking advantage of my necessity to close the purchase and mortgage asap in order to push me to accept the extra payment. 

Looking back at the documents provided by the bank, I recognize that wordings and fine prints might be against my position. But the description of the steps and explanations provided by the bank representatives along the process and the large amount of documentes requested every other day to feed the approval of the loan, put a first home buyer well in disadvantage against unfair treatment.

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 02/17/2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Please see attached information. 

Now the credit reporting agencies show XXXX late payments FOR PRODUCTS I DID NOT BUY AND CANCELLED DUE TO THE STORES INABILITY TO HAVE AND DELIVER THE PRODUCTS! 
This regrettable action has made me lose my mortgage and also a home equity loan on a home already FULLY PAID FOR! Additionally, I had a credit card notify me my credit limit went from {$7000.00} down to {$500.00}! 
The store, " Menards '' has used both the credit card company and reporting agency as a vehicle to ruin my credit and damage my family, FOR A DEBT I DO NOT OWE! 
My family is rightfully infuriated over this senseless, needless extortion of my family through the erroneous and deceptive practices of this merchant and request immediate resolution to this issue! 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am on an income driven repayment plan and am also working towards public student loan forgiveness at a 501 ( 3 ) c. I have XXXX/XXXX student loan debt upwards of 80k. I fill out my paperwork diligently, and call on a regular basis. When my payment went from {$170.00} to {$700.00} due to filing jointly on a tax return with my spouse, I utilized forbearance because our family could not afford this. When my loan came out of forebearance I submitted the correct paperwork online, and pulled my income over from the IRS website. When I called a few weeks later to see if my new payment form had been processed the lady informed me " Our online applications do not work. '' I had no correspondance that this was the case and that my application was not in the que to be processed, she told me to submit a paper form. I filled out the paper form and faxed it in like directed. Again, I waited a week or two and called to check up. Again this form was denied because they needed my tax filings. AND this gentleman told me the online applications worked just fine and did not know why the previous lady had told me that. SO, I faxed in my tax filings. I again, called to follow up. The gentleman said they had everything they needed, but also wanted to inform me my PSLF employment recertification was denied because the city and state was not listed on the form. Again, I was NOT informed of this denial. So I redid that form, sent it in. A day later, my IDR application was AGAIN, denied, because of some silly error on question 4 about whether I was still in forebearance or not. I 'm not sure if I '' m in forebearance or not because it had expired, and I was trying to get my new payment completed so I could begin to pay. Fed Loan DOES NOT communicate, or call, or inform borrowers of direct action to keep their account in good standing. I work FULL TIME and another part time job to keep up on our bills. It is a FULL TIME job keeping up with Fed Loan 's direct neglectful practices to attempt to put accounts into delinquency because they can not process papers in time or inform borrowers of direct action needed. Their employees give misinformation to borrowers who worked hard to get through schooling and make us jump through so many hoops that you ca n't even keep things straight. I would LOVE to file a law suit against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage company, Seterus , Inc., recently changed their statement date. Because they allow a 15 day grace period for the mortgage due date ( which is the XXXX of each month ) we have our payment posted on the XXXX of the month. This is still considered a timely payment. But now, because they moved up their statement generation date to earlier in the month, the on-time payment made on the XXXX, does not make it into the statement period. The result is that every statement we receive shows that we are always a month behind in payments. If we needed to provide copies of our mortgage statement, they would show that we are always behind. It should be a fairly straightforward programming fix for Seterus to fix, but they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan servicing is reporting totally different info to all XXXX credit reporting agencies. They are trying to say we missed 2 payments to XXXX but are on time, saying we missed 12 payments to XXXX but on time. My wife and I sent our mortgage payments to them with XXXX separate checks. Usually {$600.00} out of my account and the remainder out of my wifes account. What they did with the money from my wifes account we have no idea, but they are trying to say we were only sending partial payments. We have all of the proof. Since doing a loan modification loan with them back in XX/XX/2016, they REALLY have it XXXX. They were holding our payments in a suspense account for months, saying we were late, then applying a lump sum to the mortgage. We then received another loan mod kit wanting us to apply for another, saying they messed up on the first one and forgot to add some money in there somewhere and made us sign a new one which raised our mortgage payment from {$580.00} back to {$780.00} which is more than it was before we even did the 1st modification loan! They have been sued for XXXX dollars for the exact same thing. They are causing XXXX on myself and my wife because they have our credit scores so XXXX. They fixed it at one point with XXXX and my score went up to a XXXX. Within a week XXXX was showing the 12 payments missed and my score went back down to the low XXXX. They are very confused and most of this is coming from the loan modifications. I know its the law they have to provide the exact same info to all credit reporting agencies as I have spoke to the attorney generals office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I learned about the Equifax security breach on XXXX XXXX 2017 and the details of the scandal imply that my personal information was breached and is now publicly available. I tried using Equifax 's online tool on XXXX XXXX 2017 to see if I was impacted by the breach, and they claimed I was so I signed up for one of their services. However, now there is news surfacing that I am now newly aware of that they are randomly generating answers for people and not giving actual results. This is improper use of my data, and it is terrible that Equifax was not forthcoming with the results of the data breach. My personal credit is at risk and I do not like being in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: My complaint is on XXXX XXXX XXXX. Back at the end of XX/XX/XXXX I sent a dispute letter and online dispute to have the unauthorized inquires removed from my report. I asked it to be investigated and verified. I also want to know the name of the person they spoke with and copies of verification of my signature or authorization. I also advice the that the Collection agencies on my report did not have permission to use my information,  I do not have an original account with them or any signature saying they could collect on me. I asked for validation  and verification from the debt collector according to FDCPA rules.  They return my online dispute after 3 days saying it was valid, but did not provide the Property and information I asked for. They have not removed these unauthorized inquires and it is affecting my credit. XXXX has sent me the same letter 3 weeks in a row with out the validation or verification only to say the i.inquires will not be removed. I also spoke with a representative on the phone who did not provide any assistance.  This has been actually going on for awhile and no proof has been provided. Please have them to remove all inquires off my credit report and remove the collections that are not the original creditor.

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 04-09-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: This complaint is against XXXX XXXX. I have multiple accounts with them and they have lowered all of my credit limits. 
I havent had any 30 Day lates with them and they have done this.

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