milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/25/2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have an unemployment forbearance. The unemployment forbearance is currently in effect. 
Problem : The credit reporting companies are reporting me as late, all while the forbearance is in place and the lender does not consider me late. First of all, the forbearance should have been in place months before, I simply did n't remember the option. Second, making me whole ( and I can argue the fairness of whole ) and not late or past due with the company and they get to keep reporting it as late seems unfair and deceptive. 

The CFPB should not allow late payments, which are included in the time of the forbearance, to report as late on the Credit Bureau. This practice serves no purpose, is unfair, and hurts the borrower more than it helps. What 's the point, being late and getting a forbearance, or just letting it all go bad?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Application, originator, mortgage broker

Complaint: This is the XXXX submission of this complaint. Wells Fargo 's agent called the wrong number to reach me. I CALLED THEM BACK WITH THE CORRECT NUMBER BUT THEY MADE NO ATTEMPT TO CONTACT ME, THEN CLOSED THE CASE CLAIMING THEY COULD NOT REACH ME. 

Wells Fargo refuses to modify the XXXX mortgage on my home that was originated as part of the XXXX mortgage package. I was fraudulently forced to take the XXXX mortgages by Wells Fargo 's subsidiary Prosperity Mortgage and was instructed to only put down a 5 % down payment by them. I only did this on the promise that the XXXX loans would be consolidated into XXXX after one year. They refused all efforts to refinance until last year and now will not do anything to make up for this and are ruining my credit through stalling and refusing to refinance the XXXX mortgage. 
Wells Fargo ignored my request for lower payments for two months, then " researched '' the case for four months, while turning down another modification due to the way it calculated my income. The latest communication from them claims that I was forced into the XXXX mortgages because I had an insufficient down payment and this XXXX mortgage provided the 20 % down payment needed. In fact, on the guidance of a Wells Fargo 's agent Prosperity Mortgage, I put 5 % down even though I had close to 10 % in the bank. At the time a 3 % down payment was considered sufficient and they now finance regular mortgages with 5 % down, so their claim that I had insufficient down payment was false. 
At present, a XXXX modification request has been submitted and referred for processing. I can only afford to pay every other month and am missing more and more payments as they stall and play games like this. 
The house is eligible for HARP and the XXXX mortgage was refinanced under Harp. This XXXX mortgage is not eligible because Wells Fargo owns it. I am XXXX of XXXX of homeowners who are victims of this mortgage scam. The federal government needs to require that all XXXX mortgages originated with the XXXX mortgage are automatically eligible for Harp II refinance regardless of who owns it. Victims of this scam also need to be compensated for the XXXX in interest we have paid due to refusal to refinance these loans. Something needs to be done to help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PNC Bank N.A. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The PNC mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to PNC Mortgage and medical and 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 11/28/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (SD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo keeps calling me from blocked numbers even though I told them to stop calling me. 3 times in under 10 minutes. I havent had an account with them for over 8 months with no previous contact from them. 

3x yesterday 6x yesterday XX/XX/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 non-monetary relief
Consumer complaint received 08/16/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Closing on a mortgage

Complaint: Bayview Financial Loan Service held our mortgage from XX/XX/XXXX toXX/XX/XXXX. Starting in XX/XX/XXXX they illegally forced and charged me for a duplicate insurance policy. My insurance I had carried all along was still active and in place yet they doubled up on a policy and forced me to pay it. I spend over a year providing documents and following all procedures they insisted on in order to clear it up. Due to the monthly payment increase I was unable to keep up with the additional increase that was unjustly being charged. Many attempts were made to modify the loan, yet Bayview was non-responsive. By XX/XX/XXXX I was advised and pushed into a corner to stop payment completely and file for a short sale on the property. During the short sale of the property, Bayview was investigated several time by the federal government and disciplined for their inadequate and wrongful practices. This short sale was finalized and paid for in XXXX of XXXX. I was told this history would only reflect and show detriment to my credit for a couple of years. As I apply for loans, I am constantly haunted by this troubling past. I would like all the accounts associated with Bayview to be cleared off my credit. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: After reviewing my credit report, I noticed a bankruptcy and a judgment was on my credit report after speaking with the court they do not report to the credit bureau, they are receiving this from a XXXX party therefor should be deleted

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 07-04-2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Other

Complaint: Twice in the last 30 days I have submitted money to my Wellsfargo Visa credit card account and XXXX the funds were not applied to my account for approximately four days. They are claiming this is there payment policy " payment float '' Is this legal? It is my understanding that technology makes these funds available immediately. Wellsfargo is claiming it is because I am paying the bill from an account not held with Wellsfargo. This is not an attempt to ensure the payments are good this is an attempt to force people to open bank accounts with Wellsfargo. 
It should be noted the funds are being removed from my checking account held with XXXXBank almost immediately yet Wellsfargo is claiming they are not able to apply the funds for a minimum of four days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other service problem

Complaint: Customer service for Coinbase will not reply to my inquiries. This is happening to thousands of people worldwide. I have thousands of dollars in my account, and ca n't access it until customer service responds to me. They have more or less locked up my account until they get to my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: My wife and I filed for Ch. XXXX  b/k in  XXXX    XXXX  .  XXXX   XXXX  and  XXXX  both list this correctly. However, Equifax refuses to show this correctly. They show a Ch. XXXX  bankruptcy, which never occurred, causing us a hardship when applying for credit. I have repeatedly tried to contact them to no avail. Ca n't get through via phone, and their online dispute process never actually works - just error messages.     Additionally, Equifax lists several of our creditors as included in the non-existant Ch  XXXX  bankruptcy. Again, disputes filed, no resolution. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like to reiterate to both the CFPB an dot EQUIFAX that A ) XXXX Loss and B ) XXXX XXXX Bank have had NO activity/and or Payments from 2008! They refuse to adhere to the law and remove these XXXX accounts. I have bought these XXXX accounts to XXXX and XXXX and they have both REMOVED them due to their 7 year NO activity policy. That is in inc with FCRA law. The accounts have been reporting to my credit report for over 9 years now and they refuse to delete them for some strange reason. EQUIFAX HAS INFURIATED ME BY REMOVING ALLLLLLL PAYMENT HISTORY so that anything i saw or claim can not be verify. It is plane, according to my credit monitoring that BOTH of these accounts have HAD XXXX payments made in over & YEARS! How is is that they are legally still reporting it. 
I DO NOT WANT TO BE TOLD TO STAND DOWN ON XXXX XXXX ACCOUNTS ANY LONGER! I have found that Equifax is very inaccurate in the way that they report my information and i have spent the last year fighting every little detail i can fine. 
XXXX XXXX & XXXX are illegally reporting to my credit report. They must be deleted!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hi my name is  XXXX   XXXX   XXXX  and I live at  XXXX   XXXX   XXXX   XXXX   XXXX  Del  XXXX  and I work at  XXXX  and my phone number is  XXXX . Everything else that is reporting on my credit reports are inaccurate/incorrect.

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 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: It was stated that credit reporting companies have the right to update and include information on my credit report based on their research. I mentioned to them that the information was inaccurate. The debt is being shown as a public record and is not mine.

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 07/22/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a public record with Equifax on XXXX/XXXX/16. On XXXX/XXXX/16 I was emailed that the investigation was complete and was verified by the court. In my original dispute I included copies of the legal agreement stating that said public record would not be executed or rendered as long as payment was made per agreement. I included copies of payments. I still have 3 payments left but equifax says they verified it was satisfied via the court. I spoke with several court employees and the court website which stated they do n't do any verification with the credit agencies. XXXX removed this item due to it never being rendered or executed and inaccurate. Equifax has violated FCRA 611, 609, and 623. Equifax also has never marked this item in dispute on my credit file. I have filed a reinvestigation with Equifax again including the stay of execution order showing that this is not a valid judgement and needs to be removed from my credit file. Equifax has also refused to provide information about their verification with the courts. Please see attached public document stating in page XXXX paragraph XXXX that execution is stayed if payments are made as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I am trying to process a shortsale. My client lost their XXXX year old son in their home and want to move. The buyer is pregnant and wants the house. My client as a result of Chase delay in this matter is not receiving the HAFA relocation fee they claimed last year the house was worth more but a subsequent dispute revealed that the price of the home was correct on the contract. They ask me to remove HAFA because deadline was XXXX/XXXX/15 which expired because of the banks handling on this matter. Now we have been waiting for months on what is the THIRD CONTRACT ON THIS HOME because CHASE needs to confirm that CHASE XXXX mortgage department filed a lien release. The delay in this matter has been extensive. My clients need money to move and this entire ordeal has been a debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: HSBC is reporting a charged off acount on my XXXX and XXXX credit reports. This account was involved in litigation in which I prevailed and the case was dismissed with prejudice and the account was to be removed entirely from my credit report. The account remains on these XXXX reports showing XXXX balance but reporting negatively and inconsistently between the XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Checking or savings account (Checking account) with E*TRADE BANK (CA).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Hello,

Thank for your time.  On Friday XX/XX/XXXX attempts to transfer funds to two of three accounts held at Etrade Bank.  Upn not being able to transfer funds either by ACH (check) or Direct Deposit i phoned customer service.  The rep stated the accounts were in the process of being closed and refused to provide any explanation for the closures, and also wouldn't provide a supervisor whom could more insightful explanation of the situation.

With phone calls to the customer service dept. who refused to provide  any explanation or answers as to why the company abruptly closed and blocked the accounts I found the accounts open online through the online banking site end of the company.

From the Online banking site, a request as follows:

START----------->
Sent: XX/XX/XXXX XXXX XXXX
Reference Number: XXXX

Customer Service Message:


Dear XXXX XXXX,

Thank you for your message regarding your account.

At this time E*TRADE has chosen to no longer do business with you because there has been abuse of this account and known fraud. As a result this account will be closed. 

Should you have additional questions, please feel free to respond to this message or contact our Customer Service team at XXXX (+XXXX XXXX). Our representatives are available 24 hours a day, seven days a week.

Sincerely,

XXXX XXXX
Sunday - Wednesday XXXX - XXXX ET
XXXX (XXXX)
Associate Financial Services Representative
E*TRADE Securities LLC

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: XXXX County Clerk is not the judgment debtor, it is state of new jersey Liability amount missing. the docket or reference number is incomplete. 
Asked several times for all accurate information. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file

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 02-12-2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (NM).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent Cease and Desist letter to NCA on XXXX XXXX, 2015. Company continues to make frequent calls to me, employer and family members despite explicit instruction to cease such communication.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (MD).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I prepared a letter to  XXXX   XXXX   XXXX  dated  XXXX   XXXX ,  2017 to complain  about the horrible treatment regarding a mortgage refinance. As of today I have not received a letter regarding my concern. Out refinance loan  was denied. However, we did not receive a letter indicating the reason for their decision. I am very disappointed in M & T Bank because they have not responded to my concern in my letter. We have a mortgage with M & T and we completed an application for a lower interest rate, thus a lower monthly payment. I am sadden by their treatment to me and my husband. I requested a letter from their mortgage section a letter of denial. As of today 's date we have not heard anymore from M & T B ank.

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 09/26/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Select Portfolio Servicing keeps delaying the processing of my modification. I sent all requested paperwork to them. They call twice weekly saying the underwriters do not have it. I tell them I know you have it because I sent myself a copy. Then they find it and say it was mislabeled or it was n't sent to underwriters. Every time it sets processing the modification back another 5-7 business days. I spoke to a manager today who said that she was escalating the processing to UW. But I have been told this 3 weeks in a row. I was told I have until XX/XX/2016 before being referred for foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Today, XX/XX/2017, I went to XXXX to get my 3 free annual credit reports online. I was able to get 1 from XXXX, and 1 from XXXX. Equifax did not want to provide me with an online report. They said I have to mail a request to them.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have an illegal online lender reporting a several year old charge off on my TransUnion report. I have disputed the validity of this item as many as 10 times in the past two years and each time I never receive any information from TRU except " Account Verified ''. I have asked repeatedly for the means of verification and the details that were verified only to be told that this is TRU internal information only and can not be shared. With each dispute, I have received a letter from the information furnisher acknowledging the request for debt validation, but never anything actually validating it. After speaking with a supervisor at TRU following my last dispute on XX/XX/2017 ( which was closed within days as " validated '' ), I contacted the original creditor ( information furnisher ) in writing demanding validation of the debt including all pertinent information they are reporting. I received a letter a few weeks later that stated " We are unable to validate this debt. '' I again contacted TRU with this information and was told to fax them the letter which I did. I was told by TRU that it would take up to 5 days to complete the update to my file. Having received no response or acknowledgement of receipt from TRU, I called a few days later for an update. At that time, I was told that TRU had initiated another validation request to the creditor and they then had 30 days to respond. After being transferred to a supervisor and demanding to know what additional proof they needed and what exactly they are validating, I learned that this is the exact same electronic request they have allegedly sent close to 10 times previously that does not require any evidence or any kind of real validation other than a YES/NO reply. I asked why they were doing this knowing that they had sent the exact request multiples times already and since they had a letter in their possession from the creditor that plainly states validation is n't possible. Unbelievably, TRU 's answer was that they " need to ask the creditor if they agree with the contents of the letter. '' This is a letter that THEY WROTE! In exasperation, I asked one final time, what proof I needed to provide that would at long last remove this item and I was told that they could not tell me that as it is internal information. 

It is obvious that TRU has not validated this debt as they claim as the creditor themselves stated in writing that it is n't possible. TRUs unwillingness to accurately verify the items they report, and their refusal to remove reporting of items that have been proven invalid is a clear violation of, and willful non-compliance with the Fair Credit Reporting Act.

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