milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (CA).
Issue: Closing on a mortgage

Complaint: Wells Fargo and my household entered into a relationship in XX/XX/XXXX. It began with a small amount of accounts and grew into a larger relationship with three HELOCs, several mortgages, and 22 bank accounts as well as multiple brokerages. There are also 5 credit cards involved.

This banking relationship lacked one primary banker. Instead, I was forced to deal with over 20 different bankers. 

Problem is that aggressive sales tactics created a complicated web of replica accounts leading to issues about making bill pay simple. One example of the abuse is that a property tax payment designated to go out wrongly drew from the wrong default bank account. This problem was because of the multiple accounts and Wells chancing their web site so that the older defaults were no longer in place. 

I wrote to XXXX XXXX in XX/XX/XXXX to ask for his help to resolve the complaints. 

Wells Fargo and I have attempted to mediate the claim three times. Yesterday was the third time. They claim it is non-binding mediation and the mediator last year, based on three accounts, said they should pay {$2300.00}. 

Yesterday, I inquired about the payment. They said because I had additional issues, and turned it down, that they did not know to send. " XXXX '' the representative for the bank, did not tell me her role with Wells or her last name. She assured me that there was no releaser to sign and that I had the right, even if I accepted this money for the account ( my XXXX year old son 's account ), that I could still pursue my other claims. 

Well, I need the CFPB to simply get the {$2300.00}. And I need the CFPB to insist they mediate on the mortgage and HELOC issues since they said the current mediations did not encompass brokerage or mortgages.

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 02-09-2018 about Debt collection (Medical debt) with Professional Choice Recovery, Inc. (NE).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: OnXX/XX/XXXX called them at about around XXXX XXXX. They told me I owed XXXX when I owe XXXX every time Ive called them previously they dont identify who they are. On one case I called them and I said the wrong name and they said I had the wrong number! Didnt even say they were a collection agency! When I called Them on XX/XX/XXXX I was talking to the lady and when I asked if I could settle she told me no, I asked where It goes if I dont pay it and she told me they would take legal actions. I was just asking her because I didnt know if it went to another collection agency. She kept saying okay man. She didnt have the correct info. I understand I wasnt professional, but On there website it says they maintain the highest level of professionalism. Which they do not! I told her I could make payments on the bill but only XXXX and she said that when XXXX rolls around they have to increase it. She also kept saying you wouldnt go into the grocery store and not pay. At no Point did I act like I wasnt gon na pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: XXXX XXXX XXXX - Made XXXX SEPA transfers to Coinbase for euros through my XXXX XXXX XXXX Account. Amounts were XXXX XXXX & XXXX XXXX. Transfers quoted appropriate references. 

I received automated response on XXXX XXXX saying XXXX is being reversed as accounts do not match. They do and I sent email, email service did not work and advised to send complaint through their support. I did this and issued case number XXXX # : XXXX. I did the same for the other transfer upon receiving a similar advice of reversal. 

Some emails exchange and issue escalated with Coinbase but still no news and no response to tweets and direct DM messaging service on XXXX. 

Coinbase have gone silent and no monies received back at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Bank account or service (Checking account) with E*TRADE BANK (NY).
Issue: Account opening, closing, or management

Complaint: As the XXXX XXXX XXXX, I reached out to eTrade to set up a business bank account, along with an initial deposit and IRS EIN. I received a letter saying that the account was approved and open, along with instructions for accessing the account. When I tried to do so on XX/XX/XXXX, however, I received errors from their Web site. Upon calling in, I was told that eTrade has chosen not to do business with my team ( my existing personal accounts were not affected ), no explanation would be given, and that I would have my money refunded within 7-10 days. Today, on XX/XX/XXXX, I received a call saying that I would have to submit a letter from my XXXX and proof of identity in order to get my initial deposit back, despite that deposit being transferred from my personal eTrade account. 

It is bad enough to opt to close my account days after it was initially opened. It is worse to opt not to provide any explanation. But it is ( or should be ) downright criminal to then hold my funds for well over a month while waiting to supply me with instructions on how to receive my money. 

I am in the process of supplying eTrade with the requested documentation, but I 've been given no ETA on the refund of my initial deposit. I will be looking at alternatives for my personal and business banking and trading needs and suggest others do the same.

Company response to consumer: Closed
Consumer complaint received 11-03-2016 about Debt collection (Credit card) with CITIBANK, N.A. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was originally incurred in XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XXXX at which time the debt would have been over 10 years old. Statute of limitations has expired. I do not owe this debt to Citi Bank!

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 08/29/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX XXXX XXXX taxes on our homestead had not been paid as of XXXX XXXX, XXXX. On XXXX XXXX I sent Bank of America a copy of a tax receipt for property taxes paid in the amount of {$600.00}. I made another tax payment of {$500.00} on XXXX XXXX and sent a copy of the receipt to Bank of America. I did not receive any reply or acknowledgement from the Bank. On XXXX XXXX, XXXX, I entered into an agreement with the tax office to pay the balance of the taxes in installments. I also sent a copy of this agreement to Bank of America on the same day, XXXX XXXX. With my first {$120.00} installment made to the XXXX XXXX was returned to me on XXXX XXXX, XXXX stating that Bank of America had paid the taxes on XXXX XXXX, XXXX. BAnk of America sent an escrow disclosure informing me that the mortgage payment would increase by {$510.00} for escrow, making my current payment of {$480.00} to increase to {$1000.00}. 
I sent Bank of America a letter certified mail via XXXX day priority on XXXX XXXX, XXXX which was received on XXXX XXXX, XXXX. I protested their interference with my contract with the Tax Appraisal as well as their failure to acknowledge my proof of prior payments. I also inquired as to the {$990.00} refund they received from the tax authority and their failure to adjust my alleged escrow balance. I also inquired as to why I was n't allowed to pay any amounts due less the refund before they chose to double my house payment. To date I have not received any reply. I also stated that my husband and I could not afford to make this payment on our homestead. 
I also requested an answer as to why they have not answered my XXXX XXXX, inquiry to have my husband placed on the mortgage so that he could get XXXX his age and XXXX veterans exemption since we were married at the time the loan was made. H never received a reply to last years inquiry regarding my husbands name being left of the mortgage papers. 
I previously filed with the XXXX on XXXX XXXX, XXXX, however, on XXXX XXXX, they informed me that they could not assist us in this matter and referred us to this agency. The next months mortgage will be twice the amount we already pay and fear that we can not afford to make it and do not want to lose our 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 09-03-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: inquires on my credit report are not mine none of them

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 03/26/2017 about Debt collection (Medical) with Patient Accounting Service Center (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The hospital placed my account to XXXX and ARSTRAT. The account was paid in full to the hospital on XXXX/XXXX/2016 with electronic receipt, but I continued to receive mails from ARSTRAT. They also offer no electronic communication channel for communication. I was n't able to get through their return call number.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (UT).
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: I have requested LexisNexis in XX/XX/XXXX to validate a Bankruptcy record that was found in my credit report under the Public Record section that was reported to me by XXXX in XX/XX/XXXX. According to the FCRA 609 ( A ) ( 1 ) ( A ), they are required by federal law to verify-through the physical verification of the original signed consumer contract- any and all accounts they post on a credit report otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. Furthermore, after 30 days LexisNexis responded that they had contacted the Bankruptcy court as if the court is allowed to speak to them directly. I am attaching my correspondence with the Utah Bankruptcy court 's clerk telling me that they do not send any information to them. That the credit bureaus have to come and get the information themselves. But in XXXX v. XXXX, it says they can not claim a government agency, court or court house to furnish or verify anything. The court does not guarantee the accuracy of their cases so no third party vendor can claim they verified the bankruptcy through court records that are not guranteed to be accurate. Therefore, LexisNexis has failed to comply with FCRA 607 in not giving maximum accuracy in their investigation instead they grossly lied that they contacted the court to verify the information and worst of all they did not produce the original signed consumer contract. So in all fairness they must comply with FCRA 611 in deleting and unverifiable information because after all the only persons that can legally verify a bankruptcy is the consumer and the trustee as they are the only persons with the first-hand knowledge. I am attaching the first page of the court docket of the bankruptcy record which does not accurately identify me with just a name, address and last four digits of SSN. This is the same information that LexisNexis uses and grossly lies to the consumers by stating that have verified the information as true. They did not produce the original signed consumer contract therefore there was no verification. To compound the subject even more LexisNexis was requested by me, almost a month prior to my dispute with them, to freeze and opt-out my information and this is how they conduct their investigation by grossly ignoring my request, please see attached letters confirming this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 an inquiry was fraudulently made against my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/27/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I discovered this tradeline on my credit report listed by Ad Astra Recovery Services Inc. I sent them a dispute letter datedXX/XX/XXXX ( attached ). OnXX/XX/XXXXthey responded with this letter ( attached ). Nowhere in the documents provided do they prove I actually owe a debt. Nowhere is a contract bearing my signature or any proof they are even legally able to collect debt in Texas. Where the signature would be someone has typed in my name ( see attached, circled ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed a collection, which appears on my report with XXXX XXXX, on XX/XX/2017 and again on XX/XX/2017. The date shown on the credit report is the date XXXX acquired the account through a third party, not the original delinquency date with the creditor. The original charged off account has been removed from my credit report, confirming well over seven years since the original delinquency date. The date the collection agency acquired the account has NO AFFECT on the amount of time this should be reported and remain on my record ; '' the collection account will still be removed at the same time the original account is removed. '' XXXX Collection and Charge Off Information. BUT, XXXX XXXX continues to report on this account every month using their acquisition date, and they refuse to remove the account, although with help from CFPB, they will no longer contact me regarding this out dated collection. Unfortunately, the dispute with Trans Union has offered no adequate resolution ; they only added " consumer disputes this account '' and has not removed it from my report even though they have the original delinquency and charge off date in their records.

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 04-04-2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (MA).
Issue: Struggling to pay your loan

Complaint: My loan was to be paid thru a consolidation company that went out of business and I was notified by XXXX I set up a payment plan at that time which seemed affordable but due to XXXX could not met it They did agree to a smaller amount Due to a complication I cold not contact them until I was released from the hospital They want to send to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: BANK OF AMERICA CREDIT CARD XXXX XXXX XXXX XXXX REFUSES TO SEND ME MY XX/XX/XXXX MONTHLY STATEMENT. I ASKED FOR THIS STATEMENT. I NEVER GOT THIS STATEMENT. INSTEAD I GOT AN IRRELEVANT 92 PAGE DOCUMENT. IT IS ATTACHED. THE ATTACHMENT DOES NOT INCLUDE THE XX/XX/XXXX STATEMENT.

BOA ANSWERS QUESTIONS OF ITS OWN CHOOSING. BOA DOES NOT ANSWER MY QUESTION. MY QUESTION IS WHERE IS MY XX/XX/XXXX STATEMENT? 
I DID NOT GET IT. 
I CAN NOT GET IT ONLINE. 

I NEVER RECEIVED XX/XX/XXXX STATEMENT.

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 04/18/2016 about Mortgage (VA mortgage) with U.S. BANCORP (MN).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 we closed on our new home. The mortgage was with XXXX XXXX. The first payment was n't due until XXXX XXXX of 2015. Between XXXX XXXX and XXXX XXXX we got notice from both XXXX XXXX and U.S. Bank that our loan was sold to U.S. Bank. From U.S. Bank we received our servicing transfer notice with the account number on it, but no follow-up paperwork or billing information. XX/XX/XXXX I got concerned about getting a late fee ( not knowing if a mortgage transfer keeps you with the same monthly amount to pay ), with the account number from the servicing transfer notice I opened an online account to try to pay the bill. I was unable to make a payment because the site said that we did n't have a statement. We called the bank to inquire about paperwork/billing information and we were told that a statement was on it 's way and we could do the payment over the phone-which we did. The following months we receive our bills we still have yet to receive any paperwork with details about the loan. 
One month we were accidentally late on our payment because there were XXXX deaths in our family. We tried to pay online, but had a fee that was n't there before ( we had no notice of any fees with online payments ), my husband called that night to pay online and the fee had jumped from {$3.00} to {$5.00}, I logged back onto the internet the next day and the fee had jumped from {$5.00} to {$11.00}. I wrote a note saying that I would no longer pay online or over the phone any more if there were fees. We were told it was because of the lateness of the payment and how late it was. OK, understandable ( we WERE late after all ), wish we had some documentation explaining this fee scale. 
XXXX XXXX I make a payment online. XXXX XXXX I receive a letter saying that my funds have been returned due to 'no account. ' Not sure what this means but now we have accrued a {$20.00} fee because this was sent by snail mail and nobody notified us by email or phone call even though that information is available in the account. I 'm assuming this was a mistype on our part when typing our bank information into the system. I got a, email receipt that said that payment was made-so I did n't follow up to double-check. It took 8 days for them to figure out that something was wrong and it took another 7 days for us to find out about it. I do not feel that we have been treated fairly by this bank and when I ask for explanation or help they suggest a call to customer service where we have to explain our situation repeatedly and get no help on the matter. Not even any explanation. I want written documentation about the fees and all fees and late payment information forgiven. 
Our last mortgage with XXXX XXXX was for over 10 years with no problems. It makes me feel like the problems with this account is not us. 
Any help is appreciated. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have sent many dispute letters to Equifax and XXXX in regards to the XXXX Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had 4 credit card accounts with Capital One that got delinquent due to personal issues. When i got back on my feet I settled everyone one of those accounts under the agreement that they would be completely removed from my credit reports yet they still remain. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove all four accounts from my credit reports. 
here are the partial account numbers listed on the credit bureaus XXXX .... 
XXXX .... 
XXXX .... 
XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (VA mortgage) with NORTH AMERICAN FINANCIAL CORP (AZ).
Issue: Application, originator, mortgage broker

Complaint: I had initiated a VA refinance application with North American Finance. My loan officer was XXXX XXXX. An appraisal was done my home. The longer the process was taking, the more I was feeling uneasy about working with NAF. I finally withdrew my application. At that time, I was told to pay for the appraisal. A couple of weeks went by when I was finally able to pay the appraiser directly in the amount of {$450.00}. I notified NAF that I had paid the appraisal directly to XXXX XXXX. In the meantime, I initiated another VA refinance application with XXXX XXXX XXXX XXXX. XXXX XXXX was my loan officer. XXXX XXXX had contacted NAF several times to release the appraisal, but kept getting the runaround. Due to the inaction of NAF, my refinance has been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: Promotional incentive promised {$200.00} " reward '' withing 14 days of opening a Huntington XXXX checking account and depositing {$1000.00} within 60 days. I deposited {$1500.00} on XXXX XXXX. On XXXX XXXX I received a {$150.00} reward, which is {$50.00} less than their advertisement stated. I called their customer support line and was told the offer that was applied was correct, and offered no explanation for the {$50.00} discrepancy or a resolution. 


This is a " bait-and-switch '' tactic designed to trick customers into changing banks while saving themselves some money with a reduced reward.

Company response to consumer: Closed with monetary relief