milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/15/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: my name is XXXX XXXX I had lone from welfargo I bought hose I took lone XXXX I paid XXXX I had remaining XXXX my wife divorce me the judge order her to live the house so left me my XXXX dougter living on the house so I cadent afford to pay I asked several time to reduce my mortgage XXXX housing cancel help me to talk to welfargo they fax all the paper work to welfargo they no respond I did XXXX to file bankerbcy XXXX XXXX XXXX XXXX Bankruptcy Attorney I found out he never pay welfargo he garnished my checks XXXX every 2 week XXXX evry month welfargo they drop the bankerbcy cadent afford to pay I had depereshen the divorce the bank gave me hard time I started rent the house pay the mortgage but my ex wife e invected my tenant at same time welfargo took me to supreme court asked the court to review my mortgage the cort say his not kipping the house the court give as time to seal the house from XX/XX/XXXX to XX/XX/XXXX I never notified from welfargo they sel the house on action on XXXX for XXXX and they new owner he took me twice the city court dismissed the case twice the court told they new owner he have to have 90 days notes but the new owner some how he know people XXXX conty sherfe they luck my house my car and my close inside write now I am both haven XXXX I am homeless I do n't know what to do Address : XXXX XXXX XXXX XXXX , XXXX, NY XXXX Phone : ( Hours : Open today XXXX-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 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted NCC in XX/XX/2015 and advised I did not owe any debt to XXXX, I sent the documents from XXXX confirming I had a XXXX balance with them and I owed nothing to them. This was sent to NCC who advised it would be removed within 30-60 days due to balance paid. I received no letter as well as debt is reporting on yardi rent bureau as well as it is affecting my credit. This company has not resolved this issue in a year which is unacceptable. Now I can not rent a new apartment due to this error by NCC.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Other mortgage) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We purchased a home and had a mortgage through XXXX XXXX XXXX. 
Late 2014 our home loan was sold to BSI Financial. 
With XXXX XXXX XXXX, we were never behind in our monthly payments. 
Before BSI even gave us a monthly statement, we recieved word that we were behind in our morgage. 
Furthermore, we did not recieve a morgage statement for XXXX or three months, so we made our monthly payments to XXXX XXXX XXXX in the mean time. This payment was some {$6000.00} dollars. 
THEN, BSI was given the money we had paid to XXXX XXXX XXXX, but instead of putting it towards the morgage statements for the months we had paid XXXX XXXX XXXX, they put that money into a PARTIAL PAYMENT ACCOUNT. This account was never linked with our " overdue '' account balance and perpetually showed that our account/morgage payments were " late. '' We have contacted BSI monthly. Weekly sometimes, asking " WHERE IS THIS MONEY?? AND HOW COME IT WILL NOT APPLY TO OUR MISSED PAYMENTS?? '' They simply tell us we are late. " WE ARE LATE. '' That is their answer. We ask how are we late when there is money to pay the late morgages, and they tell us " we are late and we need to be 'caught up ' before they can work with us. 
WE STILL HAVE NEVER MISSED A PAYMENT!! Yet we are always late because the money that we paid XXXX XXXX XXXX, which was then given to BSI, was NEVER APPLIED TO OUR MORGAGE. 
ALSO!!!!! We have a DEFERED INTEREST ACCOUNT that containes {$7900.00} and when asked what this money is going towards, and why it does not apply to mortgage, they WILL NOT answer the question. Repeat : THEY WILL NOT answer the question. 
BSI is hurting us financially and economically. We would like this money to be applied to our mortgage so we are " Caught up '' and not " delequent '' as they falsly state.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am attaching a section of my credit report which shows my two XXXX XXXX XXXX auto loans from XX/XX/2005. The account numbers on my credit are # XXXX and # XXXX. I am filing this complaint because the credit bureau is incorrectly reporting that these accounts were past due and at one point, a " redeemed repossession ''. This information is not accurate. These accounts were paid in full years ago but I was never past due on them and they were never repossessed. I do not understand why they are reporting this negative information. I have been disputing these mistakes with the credit bureau for over two years, going back and forth with documentation showing that they were never late. The only responses I have received are that the information has been " verified '' and they will not update this account. I can't take this anymore and I need the assistance of the Consumer Financial Protection Bureau to help me with my issue. I have my old statements to show these loans were never late or repossessed but more than that, I called XXXX XXXX and their own representatives have confirmed to me my accounts were never negative. This is what puzzles me. How is it possible for the credit bureau to come back and say the negative information is accurate when the original creditor itself, XXXX XXXX, is telling me otherwise. This is the reason I am filing this complaint. Their negligence and refusal to help me fix this issue will no longer continue.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I went on a Saturday XX/XX/XXXX on Chase branch on XXXX XXXX XXXX  XXXX XXXX in XXXX to open a prepaid card, the guy was super nice and asked for my documents and I provided him with 2 IDs and proof of address and I left the bank with my prepaid card, I deposited money in the bank  and was using my card normally over the weekend a few cash deposits a few debit transactions, Going thru the online banking, I saw a good deal to open a checking account so I did open online a checking and savings account on Saturday night, and kept using the accounts normally on Monday morning I woke up whe I got to work my online banking was locked, I called chase and the lady said that the account was suspended all I had to do is stop at a chase branch with my ID and they would close my account and open new accounts, on the next day I went to chase bank by my house in front of XXXX hospital the lady at the bank ask for my ID and I give her the ID and she start to make a phone call and she put me on the with someone that told me Chase was ending the relationship with me and I could no longer have chase accounts, and I ask why all they say was because of transactions on my checking account, I though with myself but Isnt that what checking account are for? And the transactions was about 4 debit card transactions and 3 Cash deposits, wich left me a balance of {$40.00} approximately the lady that was speaking to me was extremely rude, she said that I owed the bank money because there was a few transactions that had not going thru including a deposit of {$100.00} that my BF sent me thru his chase account, I mean if didnt go thru how it shows up on my account, she wanted me to pay chase right away, I said that I wasnt going to pay anything because the money was debit to my bf account and she made me going they this embarrassent of asking my bf to call the bank and she really was treating me like she was superior or something! I never felt more humiliated in my whole life, she was really desrespectfull, and today I got a letter I. Mail says that the accounts were closed because of suspicious transactions or I didnt provided the documents they asked!! I was like! Really? Because of what transaction? XXXX MTA? They just lied straight to my face! And treated me like I had a really contagious disease, I think is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (I do not know) with CONTRACT CALLERS INC (NM).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a phone call from ( XXXX ) XXXX. The caller said they were with a company named Contract Callers , Inc., on a recorded line, and they had a personal matter to discuss with ( My Name ). First, they would need my personal address to discuss any further. I declined providing personal information unless she provided employee name, employer address, and telephone number in accordance with the FTC 's Fair Debt Collections Act. She simply said she was not going to provide this information and the phone number is on caller ID. I, again, declined to provide sensitive information until she provide the information. She said she was noting that I declined to verify and could not longer proceed further with phone call. I agreed and she hung up. I proceeded to research the company. I found out the company has made fraudulent attempts in the past.

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 08-10-2016 about Student loan (Non-federal student loan) with MOHELA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was n't able to pay a private student loan I got over ten years ago in Missouri ( MOHELA ). Eventually, a judgment was taken out against me. I have finally graduated from college and would be able to pay a reasonable amount per month, but the exorbitant attorney 's fees and 10 % interest on the judgment are keeping me from basically ever being able to pay off this loan. Also, the attorney will not give me information about how to pay electronically, is not agreeing to the payment arrangement I proposed, and now is trying to make my father pay -- he has even less money than I do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax decided to penalize me by taking XXXX points off of my credit score because I used 23 % of my available credit which is {$110.00} ( {$500.00} is my credit ) .They basically marked it as a huge no no and compared with previous zero % usage and thus decided I was a very bad girl. No, I was n't late with payment. No, it was n't a carry over amount from previous cycle. What 's the point in having a credit card if you get penalized for using 23 % of the total available amount. So much about XXXX shopping for me ... now I 'm at the point where I do n't even wan na use the card. While I was using it as recommended my credit score did n't move in months but stayed the same. There was times when I had more spent but I never lost XXXX points. Like I said, I did n't do absolutely nothing for this to happen. This needs to be rectified asap.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Debt collection (I do not know) with Consumer Recovery Solutions, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I get calls all the time from random numbers around the country saying there is a complaint against me. Sometimes they are recordings and other times they are people throwing out scary words such as " garnish, affidavit, etc '' Now they are calling my wife and my mother-in-law and this is why I have submitted my complaint to you. 


The most recent numbers are : XXXX XXXX I am more than happy to help you catch them!

Company response to consumer: Untimely response
Consumer complaint received 06-04-2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I wrote in XX/XX/XXXX and XX/XX/XXXX to advise RESURGENT CAPITAL SERVICE, that the allege account # XXXX is not mine and to seen a sign contract that they company got from the original creditor XXXX XXXX, I was advise by phone on XX/XX/XXXX at XXXX that they contacted the original creditor and was n't able to validate the account. I advise them that they letters was giving me XXXX. The company advise me they will continue to seen the demand notes to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I paid a fee to Bank of America on XXXX XXXX, 2017, to stop payment on a check. I requested the payment be stopped the same day I wrote the check ( which was for {$990.00} ). The check went through and Bank of America has not refunded my money. I have a paper trail from Bank of America verifying the stop payment request. 

The letter from Bank of America admits that we " issued a stop payment order on XXXX XXXX, 2017 for {$990.00} against check number XXXX XXXX XXXX XXXX XXXX. '' ( The quote is taken from the Bank of America letter. ) The letter goes on to say that Bank of America is refunding our {$30.00} stop payment fee " as a courtesy. '' I fail to see the courtesy here. We have the evidence that we paid for a stop payment on check number XXXX. Bank of America admits that we paid it. However, Bank of America allowed that check to go through. 

For me, as an individual customer with Bank of America for 27 years, this is outrageous behavior! I am deeply hurt and disappointed by my bank. The {$990.00} is a lot of money for me. I need that money returned. Surely a huge institution like Bank of America can do right by a customer who has been with them for 27 years. 

The mistake belongs to Bank of America. I place the stop payment order and paid the {$30.00} bank fee to do so within two hours of writing the check. Bank of America did refund our {$30.00} stop payment fee but has refused to refund the {$990.00}.

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 11-11-2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I submitted a dispute with collection Bureau of America around XX/XX/XXXX in regards to a collection account which is not mine. The starting balance was XXXX and then they added a collection cost of XXXX so it is now reflecting a total balance of XXXX. With in the dispute I asked them to provide something with my signature showing that I signed for the services that I am in collection for. The sent me a bill and nothing more. I never had an account with the company that they are claiming I did and I moved out of the service address in XXXX and the invoice date is listed on XX/XX/XXXX way after I moved out of that home.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IN).
Issue: Fraud or scam

Complaint: My account on XXXX has been temporarily suspended and there is no sign of them opening it. My bank reversed a transaction and it had locked my account down. I 've contacted coinbase several times and this issue has went unresolved and unanswered. I sat on hold one night for 2 hours just to be told that it was escalated and have a nice day. Since then, I 've not received one response back. On XX/XX/XXXX I asked about a {$300.00} transfer that was sent to binance by myself, but never showed up. Case # XXXX and that went unresolved. 
XX/XX/XXXX ( # XXXX ) was when the account locked down and I also have $ 300+ in there. I 'm been removed from the {$600.00} I put in it between the transfer to XXXX that did n't go, and the other half that they are holding hostage on there exchange. 
Case number # XXXX Case number # XXXX follow up from call, still no action. 
# XXXX. Final reply no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and that is unacceptable. I work hard to maintain my good credit. Equifax should fix this and offer some sort of compensation or credit monitoring. Equifax should be the most secure company since they have so much information on consumers. How are they going to fix this? I need to know because I am one of the ones who has had their identity stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with TD BANK US HOLDING COMPANY (CT).
Issue: Closing on a mortgage

Complaint: TD Bank has continuously ignored our emails regarding their mortgaqge processing errors resulting in incessant delays which pressure us as the proceeds must be redeposited in a Roth IRA within 60 days to preserve tax benefits. 
At closing today errors still remained but we were forced to sign as the 60 day window is imminent. In addition we were informed that proceeds would not be paid until Monday XX/XX/XXXX because they specified a Date of Saturday XX/XX/XXXX which is a non business day. Their closing attorney told us we had no recourse on this because " it was a refinance '' We subsequently found this to be incorrect by consulting the CFPB web site.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This letter is a formal complaint against XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I 've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 
For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it 's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

For two, there are three accounts, in particular which they just refuse to investigate ( XXXX XXXX, XXXX XXXX XXXX XXXX ), yet  they turn around and tell me that these accounts were verified by the Creditor. However, I 've contacted the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

For three, I 've actually disputed with XXXX XXXX several timesdirectly who simply refuses to validate the debt they claim I owe as requested per the FDCPA. I 'm even in dispute with them via the Better Business Bureau. And I 've sent every piece of proof that both XXXX  and XXXXcould possibly need to correct this erroneous information on my credit report yet they refuse to do so. 

That being said, I feel as though I am being fraudulently attacked by these credit reporting agencies and I also feel as though they are supporting the reporting of erroneous information on my credit files becausethey continue to report erroneousaccounts on my credit report that should not be there and refusing to adhere to my rights of a reasonable re-investigation and proper verification of this account. Not to mention the fact that they 're simply ignoring theproof that I 've sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I fell behind in my payments due to me getting laid off at work I 'm willing to do my best to try and pay this off

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Medical debt) with NRA Group, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a collection account listed on my credit reports by a debt collection agency, National recovery collecting on behalf of XXXX XXXX national recovery license has expired and therefore I am disputing this collection account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Credit card) with Applied Resolutions Group (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have asked XXXX from the ARG Group collection firm not to call my work that I can not have those calls. He called today and told someone that he needed the address to my work so they would know where to send the court subpoena.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (FL).
Issue: Managing the loan or lease

Complaint: I Went To Pay On My Loan That I Borrowed From instaloan On XXXX/XXXX/2016 For My Car, When I Got Done Making A Payment On My Car The Vocher They Gave Me Said My Next Payment Would Be {$71.00} And The Balance Would Be {$870.00} But When I Went To Make That Payment On XXXX/XXXX/2016 They Said That Was Wrong And That My Balance Is {$960.00} And My Payment Is {$170.00} So I Think The Are Using Me To Get More Money Out Of Me, And I 'm Sure I 'm Not The Only XXXX They Doing This Too.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (TN).
Issue: Problems when you are unable to pay

Complaint: This is the second complaint that I have filed on Wells Fargo Dealer Services. The first one they responded saying that the other party involved was going to handle this. Well that party will not answer me, so therefore it falls back on Wells Fargo. We had a vehicle repossessed ( completely our fault ) we paid what was due and with in 2 days later our car was picked up again!!!! I can not get Wells Fargo or the other party to answer me now. This was wrong and they need to own up to it.

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