milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/31/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased my home in XX/XX/XXXX under a XXXX % loan option offered through XXXX XXXX. Because I had no downpayment I was told I would pay PMI, private mortgage insurance, until I had payed my loan down by XXXX % of the home 's value. My loan was for {$140000.00} but the house was appraised at {$150000.00} so I was told if I paid it down to {$120000.00} ( the equivalent of {$30000.00} down ) the PMI would be dropped. 

My loan was sold to Wells Fargo home mortgage in XX/XX/XXXX but the parameters of my original loan stayed the same. In XX/XX/XXXX I was able to take advantage of lower interests rates and refinance my home under what was marketed to me as a NO APPRAISAL loan. I even have documentation from the mortgage consultant that states WE REQUIRE NO APPRAISAL AT THIS TIME. Because of the refinance, I have been able to more aggressively pay down my mortgage and have finally reached the magic number ; {$120000.00}. I called Wells Fargo to negotiate the terms of dropping my PMI and I was told by the representative that I was not eligible due to my home 's value. I asked her to clarify, as I HAVE A COPY OF THE ORIGINAL APPRAISAL that says my home is worth {$150000.00}. She explained that she had no record of my home 's value prior to XX/XX/XXXX, when they " pulled comps '' during my refinance and reappraised my home for {$110000.00}. 
In XX/XX/XXXX no one ever came to my house to view the property for appraisal. In fact, no one even called. Wells Fargo did not ask me if I had made any improvements to the property ( which I had ) and every time I call I get a different answer from a different person. Well 's Fargo has committing fraud by lying about the perimeters of the refinance and offering an appraisal value of a home THEY DID NOT EVEN LOOK AT. What they are doing is wrong and I feel frustrated, taken advantage of and lied too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (I do not know) with Lockhart, Morris & Montgomery Inc. (KY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Lockhart, Morris and Montgomery has reported a collection account with a balance of nearly {$5000.00} on my credit reports. They repeatedly contacted my dad, even though I am XXXX XXXX XXXX in an attempt to collect a debt that I even owe. There is no judgment against me. When they called my dad they did not identify themselves as debt collectors and tried to find out my contact information and location. 

They even contacted my grandparents on the phone to try and find me. My grandparents were very upset by this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/16, I stopped at the BB & T Bank at XXXX, I went to the ATM, inserted my card, entered my PIN, chose cash deposit, inserted {$360.00} in cash and the machine took it and froze up displaying " transaction processing '' for the next five minutes. The machine would not give me a receipt, it would not let me cancel the transaction and took my cash. I called the XXXX XXXX number posted on the ATM and they told me to go into the branch and report that the ATM was broken. I reported what happened to XXXX XXXX and XXXX XXXX in the branch. XXXX went outside and verified the machine was stuck displaying " transaction processing ''. They advised me that XXXX manages the ATM 's for BB & T and they have no responsibility for the ATM. They called and made a claim XXXX for the missing {$360.00} but said they could not access the ATM and could request the ATM be serviced to locate my cash. I was told XXXX would come out the next day. Now they are saying the '' Fraud '' dept is handling and it normally takes 5 days for them to look into it and XXXX will not come out until Friday XXXX/XXXX/16 and I " MAY '' have provisional credit by the end of the week. I called the " FRAUD '' dept at BB & T XXXX and I was in the recorded loop for 30 MINUTES and the call finally dropped without anyone answering the phone.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX- I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry fromXX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Allied Interstate keeps contacting and harassing me via email and phone to collect a fraudulent debt. I 've already contacted their said client XXXX, XXXX and confirmed the fraudulent charge.

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 01/18/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I am having a problem again with this mortgage company, they have changed their name several times in the last 10 years. They started out with the name XXXX XXXX Mortgage changed that to XXXX Mortgage now their name is Ditech XXXX. XXXX XXXX XXXX, SD.XXXX they have other addresses but thats the XXXX i have for them. They are overly aggressive about taking my house. Your company helped have helped me before with this company but they are at it again. They gave me a modiiforcation on my loan about a year ago and i made all my payments on time each month, along the way they keep adding other expenses to my mortgage payment. i keep sending in my regular payment and they start saying i was not making a full payment, that i was only making partial payments and they start putting into my account that i was delinquent but i was making my payment. They added to my payment without letting me know of their change and why, they added taxes, insurance, and their attorney fees for me to pay. Now they are threatening to foreclose for a small amount of {$1400.00}, I need help i am retired and living only on social security. 
PS.By the way my interest rate is 8.25 % and they refuse to lower it. 
Thank You XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit card () with DISCOVER BANK (MN).
Issue: Customer service / Customer relations

Complaint: In XXXX, Discover notified me that they were going to replace my card due to a possible data breach that was not due to their system. I asked what vendor had the breach so that I could consider if any other action was needed on other credit cards or personal information. The response I got was that they could not release the vendors name. I did not feel that the explanation was adequate so I recently asked for clarification on the reason I could not get that information. I was again told that they could not release the information, but was not provided with the specific reason such as limited by law, company policy, or agreement with vendor. I want to know the reason for the limitation to understand if it is a legitimate reason or just words so I stop asking.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I send a SEPA payment to a company located in XXXX XXXX  CA, called Coinbase to add funds to my account. This was XXXX ( Euro ), I got an E-Mail that my account was not verified thus they could not accept the funds and would send it back, which was odd because I tested out 1 and when I experienced it worked I added this amount. I made sure to verfiy my account and send another XXXX in 2 payments of XXXX thinking the initial XXXX would return anyway, these last 2 payments had no issues I must admit.

So I first contacted support on XX/XX/XXXX and when I noticed I did not get any response I pulled the XXXX from them which I received without any issue but still no sign of the XXXX they were going to send back.

on XX/XX/XXXX I once again contacted support asking them to answer my initial question, I must make a side note that they claim to answer within 48 hours.

On XX/XX/XXXX I got an automated message asking wether the issue was solved or not.

On XX/XX/XXXX I responded telling them it was still not solved.

On XX/XX/XXXX I got a response in which they apologised for taking so long to answer but besides this apology nothing else was stated in the response.

I directly responded that their response was irrelevant and did add nothing.

They immideatly responded, telling they were looking in to the case with a team of specialists and they would contact me soon.

This did n't happen I contacted them three times within 2 months before I got a response of platitudes.

at last on XX/XX/XXXX they asked me for some details which I sent to them and they told me again to look into it with a team of specialists and contact me.

Again they did not contact me and today XX/XX/XXXX I contacted them asking why it takes so long, in the mean time I file a complaint with you.

I have contacted their bank which forwarded me to my own bank saying my bank could help me and they could not.

I contacted my bank and they told me the only thing they can do is send a formal request to Coinbase requesting the funds but it is a request which such companies usually ignore. at this point I was discouraged and did not take any other steps.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I contacted the debt collector Optimum outcomes Inc for the amount of {$34.00} showing on my credit also given a derogatory remark when I contacted them they couldn't even speak to me as all of the information the correct information that I provided them about myself did not match any of their records. I then contacted XXXX  to dispute with them they sent me information back determining that, the det was my debt that I owed. They also sent me an updated credit report ( that I requested ) that has my birthday incorrect ( my dob is XX/XX/XXXX  they have it on my report as XX/XX/XXXX ) on the credit report provided to me from XXXX. This is not my debt I'm not sure who the company is where they're located however I have never been there. I ask XXXX  to provide me proof of validation once they validated the debt that information was never provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for XXXX of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. 
From XX/XX/XXXX to XX/XX/XXXX, CFPB estimates that Navient 's practices cost borrowers up to XXXX in extra interest by repeatedly enrolling borrowers in forbearance. CFPB also found that many federal student loan borrowers were unaware that the government could pay part of the interest charges on their loans when personal circumstances prevent borrowers from keeping up. 

The lawsuit names Navient and two of its subsidiaries : Navient Solutions, the corporate division responsible for loan servicing operations, and another subsidiary, Pioneer Credit Recovery that collects on defaulted student loans with the parent corporation. All three entities are charged with systematically making it harder for borrowers by incorrectly processing payments or failing to effectively act when borrowers complained. Instead of assisting borrowers with available options for repayment, CFPB charges that borrowers were steered into forbearance, a temporary and high cost solution that suspends payments but allows interest rates to continue accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Chase/XXXX XXXX of a fraudulent application submitted with his information without his consent. A current XXXX and XXXX credit report shows the Chase Card/XXXX inquiries reported XX/XX/XXXX ; XX/XX/XXXX and again XX/XX/XXXX ; formal disputes of these inquires were submitted to Chase XX/XX/XXXX and again XX/XX/XXXX however Chase has not replied to my client which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Date:XX/XX/2016 XXXX : XXXX To Whom It May Concern : I recently pulled a copy of my credit report and noticed the following information are in error : These are the only XXXX addresses that I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX And XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX XXXX , XXXX XXXX Please remove all the other addresses off my report. They are not correct. 
I have never lived at the XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX. Driver License and Proof of Residence

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with AFNI INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My complaint is about  XXXX   XXXX   XXXX   XXXX  continuously using third party collection agencies to collect on a debt that was settled in  XXXX    XXXX  . Id like to file a complaint against  XXXX   XXXX   XXXX   XXXX  for the continued harassment.      XXXX   XXXX   XXXX   XXXX  should not be able to continuously try to collect on a debt that was settled in  XXXX    XXXX  . I cancelled my phone service in early  XXXX    XXXX  , and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available.      XXXX   XXXX   XXXX   XXXX   had   XXXX   XXXX   XXXX   XXXX   XXXX , a third party Collection Company to contact me in  XXXX    XXXX  , and offered a settlement of {$400.00} from the original debt of {$720.00}. I accepted the offer and it was settled. The harassment from  XXXX   XXXX   XXXX   XXXX  continued and has been ongoing (  4 )  years with no end in sight. They just use different third party collection companies to harass me.     Now  XXXX   XXXX   XXXX   XXXX  is trying to resubmit the debt and collect on the {$320.00}.  AFNI, Inc.  even submitted false information to the credit bureaus that the original debt was {$320.00} in  XXXX    XXXX  . I have my original statement from  XXXX   XXXX   XXXX   XXXX  which shows tha t AFNI , Inc. , is providing the credit bureaus false information.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Prepaid card (Other special purpose card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Fees

Complaint: I received a {$50.00} American Express Prepaid Reward card as a rebate for a purchase in XX/XX/2015. Upon receiving the card, I noted an expiration date of XX/XX/XXXX and have carried it in my wallet ever since. When I went to use the card today, I was shocked to learn that there was only {$2.00} available on the card. 

I have since carefully reviewed the back of the card, which includes the following text : " FUNDS EXPIRE ON THE DATE PRINTED ON THE FRONT OF THE CARD. SUBJECT TO APPLICABLE LAW, A {$3.00} MONTHLY FEE WILL BE ASSESSED AGAINST CARD BALANCE STARTING 7 MONTHS AFTER CARD ISSUANCE. '' In my case, these fees added up to {$48.00}. 

I am disappointed that American Express has taken away 96 % of my rebate amount, when the front of the card indicates the funds do not expire for four more years and there is no asterisk, footnote, or other disclaimer on the front of the card that would cause a consumer to inquire about further restrictions or limitations. Had I not used the card today, the funds would have been entirely depleted next month. Thus, at the very least, the expiration date on the front of the card should read XX/XX/XXXX. 

Furthermore, American Express is certainly aware of whether it will charge such fees " under applicable law, '' while the average consumer is not. In fairness, it would be helpful for American Express to include a web address after this disclosure, pointing cardholders to a page on their website providing more specific information about the fees it assesses for its prepaid cards in each state.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (MD).
Issue: Closing on a mortgage

Complaint: I have complained once to the CFPB..    Seterus  continues to not apply any credits to my account so that I can see what is left. I am told I have a {$160.00} credit left after payoff. I am trying to get this resolved by  XXXX . I want to make sure this is done before my property tax/homeowner ins is submitted. My family purchased this house in  1961 . This is the most important treasure I have left from my Mother/Father except my son. I need to them to STOP sending me different payoff letters. They have more than enough to pay my last mortgage payment. They continue to let my suspense credit just sit in limbo and not apply to my balance. I have attached all the documentation that was sent to me.

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 11-02-2016 about Credit card () with SYNCHRONY FINANCIAL (LA).
Issue: Closing/Cancelling account

Complaint: Synchrony Bank has shut down my credit cards and will not speak to me as to why? I have been the victim of ID theft in the past and have had several fraud accounts that were opened with them fraudgently. But the XXXX credit cards i did have with them were shut down and closed. I spoke with a fraud Special Operations Manager who was not to friendly nor was he helpful. I sent in paperwork as he requested and have not heard anything back. I feel as though I am begin treated as a criminal. I would like to please know what is going on here?

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 08-04-2016 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Billing disputes

Complaint: This is an update to case file XXXX. I had mistaken and was confused. I only applied for XXXX card and that 's the freedom. There were fraudulent transaction on it. The only valid charge is the first online charge for XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, Kia Motors finance contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX. As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.

Company response to consumer: Closed with explanation