milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Consumer Loan (Installment loan) with LENDING CLUB CORP (IL).
Issue: Managing the loan or lease

Complaint: On XXXX/XXXX/16 I called Lending Club, XXXX XXXX XXXX, XXXX XXXX, CA. @ XXXX CST ( XXXX ) XXXX Pacific Time. I wanted to pay off in FULL my XXXX loans. The XXXX loans {$5000.00} AND {$5200.00} Loan # XXXX AND loan # XXXX. I had all required documents, a check book to give them permission to pay the loan. I was told by a employee XXXX that I could not do that payoff until Monday! This was Thursday. I was also given the balances as of Monday XXXX/XXXX/16. The first loan # XXXX has a 25.80 % interest rate with a 29.72 APR. The second loan # XXXX has a 19.99 % interest rate with a 23.77 APR. So i asked why? The explanation was that they could not do that TODAY. I said what about Friday? I was told they could only do this on Monday! WHAT I explained to the employees that I was aware of the terms and conditions of the loans, stating NO PENALTY for early pay offs. I asked to speak with a supervisor This supervisor told me the same thing beiing very rude and short with me. I asked what my daily interst rate was until Monday. She refused to answer. I wanted to get her full name or employee number. ALL she said was XXXX. I asked again for her last name and she said that was a privacy matter. She did not fully identify herself to me. I went through the entire situation again and no results! At 25.80 % for four days that is {$51.00}. At 19.99 % for four days that is {$42.00} That is a lot of Money. If they do it to me Im very sure they do it to others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/27/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am Complaining about SLS my loan servicer, SLS says in a letter sent to CFPB that I will attach for your review that mediation took place on XX/XX/2016, but in fact their attorney refused to, and we ended up in court on XX/XX/XXXX instead of mediation which is what I was promised since the very beginning, also in that latter it indicates that meditation was postponed to a later date which is not true, a settlement agreement will also be attach for your review, their attorney offered me conciliation NOT mediation.

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 02-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NV).
Issue: Money was not available when promised

Complaint: This complaint is towards Coinbase.com My account email is : XXXX Issue : On XXXX XXXX XXXX 2018, I sent aaproximately XXXX BTC to my USD Wallet address. It then showed that it was received but pending. I read online that it requires 6 confirmations. It has now been 14 days and the transaction has aproximately XXXX confirmations now. 

XXXX XXXX   XXXX I am requesting my transaction to be fixed. This is such a inconviencence to the standard consumer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX XXXX I submitted a compliant against Ocwen home mortgage servicing my loan because at that time I had been held in default since XXXX unable to make any payments while my loan was bought and sold numerous times. 2 years later XXXX XXXX i am still in the same situation but now after having been assigned 4 project managers with Ocwen and filled out and sent in all my HARP required information 8 total times I have had no choice but to file for bankruptcy because my total amount owed now with late fees and penalities over 7 years has my loan repay over XXXX on a loan which was XXXX but never allowed to make payments in 7 long years. I have spent XXXX on lawyers assisting me to stop their foreclosure efforts 3 times over these seven years. Each time I thought I was going to have a deal worked out with them I would be blind sided with papers of Ocwen trying to foreclose on me while I am in the middle of my work out programs with the assigned counselors. In XXXX I received a letter telling me i was denied a refinance program due to my income which was reported XXXX less then the information i provided them. Then the VERY NEXT DAY I received another letter telling me i was assigned a new counselor and to send in all my required paperwork after I had just sent in all my information and having monthly conference calls with the project manager to ensure I sent it all in. Then the letter would tell me that once all the proper paperwork was received no further action on foreclosure would occur over the next 30 days of the review process. The same letter I received 6 times. 2 times i did n't received anything for my submission.. It is so confusing at this point that when I speak to attorneys they look at me as though I am making this up. i need to move on with my life and bankruptucy due to a loan they will try to collect from me for XXXX would destroy what is left of my future. I do n't even have a solution at this point I am speechless and they need to know how lives are destroyed. lastly I have every single email, fax, paper and letter over the years as well and did everything a consumer was asked to do such as I attended all monthly assigned conference calls with counselors. I met counselors at the XXXX who were as stunned as I was with my situation. It has consumed and ruined much of my life these past 7 to 8 long years

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Managing the loan or lease

Complaint: A couple of months prior to my 36 month vehicle lease ending I received notification about possible additional charges. These were not mentioned at the time I leased the car. The only thing mentioned was the XXXX mile limit. When the lease ended they charged me {$400.00} to take their car back unless I agree to purchase the car. They also charged me for 2 tires, and scratch repair. The charges total over {$1200.00}. There were no scratches on the car when I returned it. They said it was inspected 3 days AFTER I returned the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: This is a continuation of my previous complaints that have not been sucessfully resolved. 
Here are the facts : 1.There are missing payments from both bankruptcy cases, ( I sent the the doc. with proof and they ignored them and forclosed anyway ) 2.There are missing payments from the XXXX or XXXX different mortgage companies we paid to before the modification, ( and the have doc. to prove that as well, no response ) 3.They are going to put a huge defecit on us for a tax burden that will starve us in the future! ( so they will tax the stolen money again as XXXX on out tax liability ) 4.They are playing games with me with the relocation money. I dont know what is truth or not. 
5.I asked for the max amount of {$10000.00}, which is a drop in the bucket to the amount that is not accounted for. This is the results : a. reps from XXXX say that I will get nothing. 
b. another rep. says she will ask her supervisor and call me back c. a rep from XXXX calls and offers XXXX to move in 2 weeks ... .... I responded impossible to move in a shot notice and too little money. 
d. rep from XXXX calls and offers XXXX to move in same time frame e. several people are showing up at my home pretending to be people that can help me to get XXXX and want to come inside to talk to me. I refuse to let anyone in. 
f. I receieve a letter from XXXX XXXX XXXX XXXX on my door, and call Ocwen. They deny any involvement and pretend not to be part of XXXX and hint that it may be a scam to get money. 
g. XXXX XXXX ( XXXX ) calls, very rudly and leaves a demanding message to return a call. 
When I call she speaks cdown to me as if I 'm trash and says she is offering XXXX to move by XXXX of XXXX. I let her know I 'm moving all by myself and with a car. My spouse is XXXX, a veteran, and XXXX. I have to do the move all by myself and in a car, continue to work part-time, and asked for more money and more time. 
h. received an eviction notice to move in 3 days from XXXX representing Ocwen and the bank. 
i.XXXX called and said there is no offer of money .... 

HOW CAN THIS HAPPEN IN AMERICA!. YOUR HOUSE CAN BE STOLEN, FORCOLSED BY A BANK NOT INVOLVED IN YOUR LOAN, HOMEWNERS NOT GET CREDIT FOR PAYMENTS EVEN AFTER SHOWING PROOF, FORCED TO MOVE ON A SHORT NOTICE, TEASED OR LIED OR PLAYED WITH RELOCATION MONEY THAT MAY OR MAYNOT EVEN BE GIVEN! I DONT KNOW WHAT TO DO OR WHO TO BELIEVE, AND I 'M HAVING HORRIBLE THOUGHTS ABOUT THIS PROCESS. I NEED HELP WITH NOT BEING BURDENED BY TAX LIABILITIES, XXXX XXXX XXXX, AND HELP TO GET MONEY THAT I NEVER GOT CREDIT FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Using a debit or ATM card

Complaint: My bank allowed charges to go through on a fraudulent charge. On XXXX/XXXX/16 I saw an offer for free trail of XXXX and to pay XXXX for shipping and the end of my transaction it was an offer for another XXXX for the same offer to try as a combo pay only shipping, I made sure no additional payments were required finished my transaction, I checked my account and notice strange charges and called the bank, they said it was international charges. The combo XXXX came a couple of weeks later. On XXXX/XXXX/16 XXXX was charged to my card I checked my email for any invoices or confirmation of purchase everytime i shop on line it is how I keep track of my online spending I did not get anything. I called the bank and I put a stop on the purchased and reported fraud. They reversed the charges and i told them to block the vendor I did n't buy anything for XXXX charged was returned XXXX. on XXXX/XXXX/16 XXXX charged my charged my card again causing an overdraft, I called the bank and i asked how did the charge go through and they could n't explain how it happen they read the notes from the weeks before, so on XXXX reversed the charges again. i still had n't gotten anything in the mail the bank could n't locate a phone number so i could call. XXXX got the XXXX and it had a letter telling me I was defrauding them for not paying. i finally got a number and I called and i told them they were the fraudulent ones, and i wanted to send them back. He told me they did n't take medicine back but they would refund my money, i told him that i told the bank they were fraud, XXXX was his name wanted me to take the fraud investigation off, he gave me a confirmation. I called the bank after i talked to XXXX. I gave her the information she said she took down what i said and confirmation number. on XXXX the bank took XXXX out of my account and then again on XXXX another XXXX stated their investigation show no error the purchase was valid. the paper work from their investigation from their website do n't match the charges from my account. I didn/t keep the pills nor did i keep the papers that came with them. The bank would claim to take notes and more times than one they had no record of my many calls

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PMGI, LLC (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After reviewing my XXXX credit report I found that a debt collection company ( PMGI LLC ) located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA had pulled my report on two separate occasions : XXXX XXXX, XXXX and XXXX XXXX, XXXX. <P/>Both times without my consent or knowledge. I sent a letter to the company notifying them of the issue.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  is reporting on my credit reports on all   XXXX   bureaus as if I owe them money and this account was established in  2016.  I have never borrowed money or taken money from this company for a loan to default on. I need this collection account removed from a ll    XXXX   bureaus immediately. I have tried to dispute with them and collections agency. They never verify the debt just states that it was verified. I need proof of my signature otherwise they need to remove this from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint: Got Chase Slate card and submitted balance transfer requestXX/XX/XXXX in the amount of {$13000.00}, money deducted from my account XX/XX/XXXX. I then called and confirmed it was successfully processed and they mailed out a check on XX/XX/XXXX.
2 weeks later, no check was received. I was concerned and i called again, they told me it takes anywhere from 14 to 21 business days. There 's nothing they could do. I had to wait. Then another week gone by, still nothing. I call again, same answer, i had to wait ... meanwhile my statement came out already and due onXX/XX/XXXX.
XX/XX/XXXX, finally 21 business days from time of request passed, i called them again. They told me the time frame started from time check was cut, which was XX/XX/XXXX. So wait till XX/XX/XXXX and see what happened.
Back and forth, no answer as to what happened. Then yesterday a manager i spoke to told me XXXX XXXX  rejected the payment and refunded my account electronically. The question is how would XXXX XXXX refund maker electronically when payment was never posted to the account? They have no records of such payment or transaction. The original payment was a paper check going to a local branch in XXXX with teller service. The branch does not have a way of electronically rejecting the payment. If they were to reject it or do n't know what to do with the check, they will mail the original check back to the sender.
Everything they told me contradict each other. One rep told me they are waiting for the check to be returned and another one told me it was electronically rejected or refunded by XXXX XXXX Very suspicious and they are definitely trying to hide something. They claimed the balance transfer is from credit card to credit card only, but their disclosures dont stay that. They try to use that against me and refuse to give me the money.
They did not credit me back until XX/XX/XXXX and i only saw that yesterday. But they adjusted the transaction date back to XX/XX/XXXX.
I suffer huge financial loss and emotional stress bec of this. I am awaiting for them to send me proof of everything.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a home equity credit line secured many years ago with now defunct XXXX XXXX. TD Bank took over the loan and began annually requiring a myriad of financial information that was never requested by XXXX. The loan is in good standing and my FICO score is excellent. I consider this age related harassment ( I am over XXXX years old ) and want TD bank to cease this annual harassment ritual

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (FL).
Issue: Problems when you are unable to pay

Complaint: I was a few months behind on my Kia Motors Finance Account. Kia agreed to a payment arrangement where I paid XXXX more each month until i was current. A week after the arrangement, they did not accept the first payment under the payment arrangement and had the vehicle illegally repossessed from my gated community. The repo agent broke the back gate and illegally removed the vehicle. Kia then sold the vehicle at auction below the reserve and added the difference to the balance on my account. They also added the cost of the repo which was excessive under Florida law. I have request information on several occasions to rectify this issue legally and Kia has not furnished any of the information to resolve this invalid negative item on my credit report. I want the item removed and Kia Motor Finance investigated for unfair abusive credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (RI).
Issue: Closing on a mortgage

Complaint: During the closing of our purchase of our home ( XXXX/XXXX/XXXX ) I enquired why there was an escrow put on the mortgage since we were putting down 20 % of the purchase price. The mortgage initiating company, XXXX XXXX, agent explained that it was purely optional and that they could change the final forms but it would delay the closing date. They also told us that we could at any time in the future ask the mortgage servicing company to cancel the escrow account and that they would do it. MY wife did not want to delay the closing so based on the explanation from the XXXX XXXX agent, I understood that I could cancel the escrow account any time. On XXXX XXXX, XXXX, I wrote to OCWEN who now services the mortgage to cancel the escrow account because I wanted to pay the insurance and taxes myself. OCWEN declined my request in a terse letter that explained nothing. When I called them to ask for an explanation, they said that their policy is that I must have 25 % in equity in the house before they cancel the escrow account. I explained to them the promises made by the agent at the time of the closing. OCWEN refuses to honor the intent of the contract that we signed based on the explanation provided to us.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit card () with Alliance Data Card Services (TX).
Issue: Other

Complaint: I received a copy of my XXXX consumer credit file ( Comenity Bank/XXXX ) is falsely reporting this account to my consumer file. This is NOT, my account ( XXXX ). 
All supporting documentation will be faxed. The information provided in this complaint is for the sole purpose of filing this complaint with the CFPB. And, is NOT to be used otherwise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/23/2017 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother took out a reverse mortgage for about {$110000.00} in XXXX on her residence in Florida from Financial Freedom, now a division of CTI bank. She had to be moved out in XXXX XXXX and is now in a XXXX with XXXX. Leaving the home triggered the foreclosure process. The balance on the loan is more than the house is worth today. We tried to do a deed in lieu of foreclosure with Financial Freedom which was denied. We tried to do a short sale, listing the home with a realtor, and received an offer for {$69000.00} after lowering the price to that after 5 weeks. I sent in the paperwork and Financial Freedom came back saying the house is worth {$110000.00}. As instructed by the lender, we rebutted, providing XXXX local comps at around {$70000.00}. They rejected the rebuttal and asked if the buyer could make up the difference. The buyer withdrew the offer, and the realtor said they wo n't list it for more than {$69000.00} because that is what house is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Old Navy Credit Card has been charging a monthly minimum payment lets say of {$50.00} per month. Over the past year of payments of making no less than the minimum amount owed the balance for cash advances has increased {$37.00}. A portion of my minimum payment each month comes from these cash advances ( lets say {$8.00} ) and when making the minimum monthly payment only ( {$3.00} ) is being applied to that balance, hence the increase in the balance. This includes instances in which I have paid more than the minimum monthly payment on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I had several debts closed on my Transunion report, and they are STILL on there under derogatory accounts/collections!!!!

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 09/23/2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: I had an American Express card since 2004. I had a high balance of $ XXXX, but lost my job and went into default. Amex structured a payment plan for me where my minimum payment was about $ XXXX/month without incurring interest. I have been paying this minimum amount down regularly each month using an automated payment function on the Amex website. I brought the balance down to $ XXXX. Last week ( XXXX ), I received a phone call from a debt recovery company saying I made no payments since XXXX XXXX and my account was 60 days past due. I took it for granted that the automated payment was going through as we were in a busy time moving house, summer vacations, etc., so I did not check on payments ( I had sufficient balances to cover payments and even if I did not my bank would have paid and charged a fee ). The automated payment had worked for the past few years, so I never questioned it. Somehow, Amex decided to stop my automated payment. I never authorized this and they never informed me of a change to their payment capability. When I call Amex Cust Svc to ask why automated payment stopped working, they reply that my account has been turned over to a XXXX party recovery company and they can not access it. The XXXX party company says they just acquired the account and have no history of what was done by Amex. I want Amex to remove any negative reporting to my credit report, but no one is taking accountability.

Company response to consumer: Closed with explanation