milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with United PanAm Financial Corp. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an account with XXXX XXXX XXXX that is closed. But is no reporting as open on my credit report. This account has been closed for over a year. I 've requested to have the account removed and is now reporting as open all of a sudden. And it says I 've paid 100 % percent of the balance as a charge off. This information is inaccurate and hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Installment loan) with Dyck-O'Neal, Inc. (GA).
Issue: Managing the loan or lease

Complaint: My husband and I are paying Dyck O'neal, a collection agency, a deficiency of {$12000.00} that occurred after the closing of a Short Sale of our first-time buyer property condominium in XXXX, FL. At time of closing the Financial Advisor did not have the name, address, and telephone # of the prospective collector. By the time we finally start paying an agreed amount of {$70.00} per month at no interest charge, Dyck O'neal had already figured how to present the month/months prior to our first agreed payment as pass due. We have been paying our dues from the moment we knew who to pay it to, their address and telephone No. for it was a Promisory note, therefore, it was to our best interest to pay this account. We want Dyck O'neal to STOP ruining our credit reports by saying we have been delinquent, this is not fare to us, and it is incorrect information ; they also promised to straighten this issue with XXXX, but they did not comply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Our former mortgage holder ( XXXX ) sold our mortgage to Nationstar in XXXX. I paid my last mortgage payment to XXXX in XXXX, and my first mortgage payment to Nationstar in XXXX. Out of the blue, without any previous notification, in XXXX, they are saying I am 3 months behind in my mortgage. I have been going back and forth with customer service since XXXX and it is still not rectified. I have faxed them my bank statements for every month with my payment circled and my previous payment history that was shown to be up to date. I am receiving letters and phone calls about my payment being late, and when I call customer service every day, they say they are still researching it. Today I received a letter that said they have researched and fixed the problem and my XXXX 2015 payment is due. THATS WHAT THEY SAID TO BEGIN WITH ... WHAT DID THEY FIX? My payments are all paid up except my XXXX XXXX payment I have not paid, only because I wanted this straightened out before I do. I 'm sure they have reported this to the credit bureau, and they are completely wrong. Once again, I faxed them every month statement with the payment on there circled and the statement marked.. XXXX payment, XXXX payment, XXXX payment and so forth thru XXXX. I have written to Nationstar customer service complaint, The XXXX, and now you. I have asked to speak to the " research department '' which is supposedly looking into this, and was informed the do n't speak with customers. I have asked for supervisors, and the supervisors supervisors, and still no one is fixing this. I am at a loss what to do next. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: constantly doing inquiries on my credit, going to fight this its hurting me bad, and they call all day everyday

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Trouble during payment process

Complaint: My issue is my mortgage company keeps increasing my monthly payments every few months which these amounts are completely different from the monthly amounts scheduled in my original loan.

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 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: In XX/XX/XXXX, I established a banking relationship with Wells Fargo ; my opening account balance was {$50000.00}. Upon visiting a local branch in XX/XX/XXXX, a customer service representative told me that they were having a special promotion on their XXXX credit card and invited me to apply. My account balance at that time was {$82000.00}. The customer service representative paraphrased the credit card agreement, told me that my credit score was just shy of XXXX and had me sign on the screen I never received a signed copy of the agreement. 

My first credit card statement indicates that the Cash Advance APR was 23.99 % and the APR for Purchases was 0 % ; my total credit limit was {$6000.00}. I used the credit card minimally for quite some time before I started carrying a Purchase balance. I ALWAYS paid on time. In XX/XX/XXXX, I received a letter from Wells Fargo stating that I may qualify for an increased credit limit of {$7500.00}. A similar letter was received in XX/XX/XXXX, stating that I may qualify for an increased credit limit of {$8000.00}. 

What is absolutely infuriating is that, despite my pristine payment history ( currently my credit score is approximately XXXX ), I am being charged a 25.24 % APR. I will mention, at this point, that I am XXXX XXXX. 

On XX/XX/XXXX, I called Wells Fargo and spoke with several Customer Care agents only to be told that there is nothing that they could do to lower my interest rate. Curiously, all of the agents that I spoke with offered me a special interest rate on new purchases I declined. Equally ridiculous is that the following day I received a call from a Customer Care agent located in XXXX XXXX executive office only to have them recite the exact same spiel and confirm that there is nothing that they can do to reduce my interest rate. I am raising this issue to determine whether this is a case of Wells Fargo steering certain demographic groups to higher interest rates.

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 09/29/2016 about Student loan (Federal student loan servicing) with Dream Center Education Holdings (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My loan was distributed from the XXXX to my university, Argosy University XXXX, and applied to my account on XXXX XXXX, 2016, which I have screen shots of on my computer to verify. However, Argosy University refused to release my funds to me, including an XXXX dollar XXXX loan to pay for my living expenses and a XXXX dollar scholarship. Argosy released my funds on XXXX XXXX, 2016, but not to me directly, and when I asked the financial aid advisor, XXXX XXXX, where my funds were, he informed me that he did not know, to which I have him on a voice recording saying such. When I asked XXXX if Argosy still had my funds, he said, " Yes, we still have them, they 're here, '' to which I also have him on record stating. I asked XXXX to release the funds and scholarship to me, to which he replied that Argosy could not do so, and that they had to be released through XXXX, and that I would have to contact them for setting up Direct Deposit and accessing my loans. When I asked XXXX for the contact information of XXXX, he gave me a false phone number that directed me to time share, vacation home, and credit card offers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I wrote Experian a dispute letter on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and they have failed to se nd ONE Response letter. FU RTHERMORE, they have stopped providing me reports on my credit monitoring. I ca n't even see my Experian report anymore after I disputed with them. Sounds like they are punishing me for disputing their incorrect information!

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 01/25/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: Case # XXXX. My name is XXXX XXXX and this complaint is regarding an outgoing wire that was I was told would occur on XX/XX/XXXX. OnXX/XX/XXXXI wired XXXX USD to Coinbase XXXX from my XXXX account which is under the name XXXX XXXX ( this is my maiden name ). The federal reference number for this wire was XXXX. On XX/XX/XXXX Coinbase sent me an email informing me that they did received the wire ; however, due to a name mismatch ( my maiden name vs my married name ) they would be reversing the wire. 

It is nearly 20 days later and my wire has not been reversed. I have followed-up with them on the status of this matter multiple times ( at least 10 ) to no avail. I have conducted multiple wires during the course of my lifetime and never has it taken longer than 3 days. Normally 1 to 2 days. 

Not only has it been nearly 20 days since I was told that I would receive my wire and have not received my wire, but they are grossly negligent in their communication. On 2 occasions I have been sent an email saying that they will have someone look into the problem with absolutely no follow-up or accountability. This concerns me because if you look on social media and the internet at large ( I am certain that you 've received other complaints ) Coinbase has a history of taking peoples money ( not giving them access via account freezes, or wire disputes ) for VERY long periods of time without any communication. This is completely unacceptable and I have never experienced such blatant disregard by a financial institution of their fiduciary responsibility. This is borderline grossly negligent. Please keep in mind that the while I have been waiting for 20 days, there are others that have had this problem for months.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to Experians website to receive my free credit score from them. After inputing all the necessary information I was directed to a screen that required me to pay to get the information. {$1.00} per day and the {$21.00} per month. Ive asked them to clarify their offer but have not received a response.

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 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
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: Filed a dispute XXXX/XXXX/XXXX with credit Bureau TRANSUNION regarding 3 account listings by by creditor XXXX and or XXXX XXXX, which requested they remove all innacurate, false, and erroneous information from my Transunion credit file. XXXX XXXX and or XXXX XXXX was notified as well via notification sent XXXX/XXXX/XXXX at both credit file listed contact addresses to remove all inaccurate, false, and erroneous information from all my credit files Transunion, XXXX, and XXXX within 30 days in which creditor has failed to fully comply. Received results of the Transunion investigation XXXX/XXXX/XXXX in which some information was corrected but not all and some innacurate, erroneous, and false information still remains such as a false account verified thru investigation as accurate and updated, which is totally false, innacurate, and erroneous and this account is not mine. Innaccurate account dates and etc., that will be addressed further in complaint letter that wiil be submitted with this complaint. Evidence submitted to support Transunion complaint should have been sufficient enough to resolve and correct the disputed inaccurate, false, and erroneous information contained within my credit file and reported by creditor XXXX and or 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 09-07-2017 about Debt collection (Other debt) with ResidentCollect, Inc. (OR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: When trying to buy a house XXXX weeks ago, I was declined because I had a negative item reported to the credit bureaus. I called the collection company to try to understand what was going on, and they gave me a printout off charges that I did not recognize. The name of the company is ResidentCollect INC. After many tries to get this resolved with them without success, I called the original creditor. The original creditor, XXXX XXXX XXXX XXXX / XXXX XXXX, could not validate any of the charges that the collection agency was trying to collect. They posted an unverifiable debt in my credit report and this is hurting me a lot. This is against the FCRA. They are not following the law. I even notice that I am paying high insurance rates from a car purchased in XXXX because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Under the Fair Credit Reporting Act I am entitled to dispute information that I find to not be accurate - especially information that is lowering my credit score and thus putting a financial burden on me. I am a victim of identity theft. I have previously discussed this identity theft with XXXX Equifax and XXXX. I disputed the information that resulted due to the identity theft with all XXXX credit reporting agencies and Equifax is the only XXXX of the XXXX that gave me any issues. Equifax recently responded to my dispute regarding inquires telling me that they were a fact and that I would have to address each individual inquiry with the company that inquired. Several of the companies did not respond and I later was told by XXXX of the companies that it is Equifax 's duty under the FCRA to dispute everything, including inquiries if I provide them with documentation of the identity theft which I have done NUMEROUS times. I have attached a letter from XXXX detailing my identity theft which includes a number for Equifax to call should they have any questions as well as photo ID and proof of residency. The inquiries are : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Telephone Companies XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX XXXX Mail Order Firms XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Without notice, cause, or detailed explanation USAA closed all my accounts including my checking account. I have been unable to make electronic transfers as they restricted my online access and have failed to send even a statement. Thus I am unsure where that money is, how much was in the account, or what if any transactions took place. I 've made repeated requests for documentation which have been ignored. USAA has been informed I do not have checks for this account, and in order to withdraw or receive my funds, USAA 's only options were all fee based. They were willing to send me a check for my balance, for a fee. I could withdraw the funds from an ATM, for a fee. I could go to another bank and have them charge my debit card which had daily limits, for a fee. Withdrawing from an ATM would prevent me from withdrawing my full account balance as well. USAA suggested I go to their local office, which is in another city and withdraw the funds personally. Yet that has fees as well. Fees such as but not limited to taking the day off and traveling to another city and back. It 's been several months without access to my account or funds. I have yet to receive an account statement, or any help in this matter. They have effectively held my checking account ransom.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification and was denied. However, Suntrust offered me the option for a conditional short sale. I have met all of the conditions requested, and have repeatedly sent in items that they have re-requested. During this time, they have refused to make a decision and have repeatedly tried to get a decision from the bank based on the completion of the short sale package. My realtor has exhausted all their efforts to get us to closing on time. However, Suntrust has yet to make a decision or even get to the decision making process.

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 04-05-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Struggling to pay mortgage

Complaint: I have been working with Bank of America since-XX/XX/XXXX on my Client for a Short Sale Approval.  Which BTW was approved once on XX/XX/XXXX with a previous Buyer. I have repeatedly called and emailed my Negotiator to only go 5 to 7 days without ever receiving a response. Numerous calls have been made to BOA Customer Service to request the file get expedited to a Supervisor. It's now been 10 days with no returned call from my Negotiator and or the Supervisor. I placed BOA on notice the urgency of getting their response due to the 1st Lien holder 's approval will expire on XX/XX/XXXX, which would cause me to re-start this all over after working the file with both Lender 's involved since XX/XX/XXXX. As I mentioned I left the Supervisor 4-5 messages over the last 5 business days, to only have someone from Customer Service call me to say they would email the Supervisor to contact me. This has been an absolutely horrifying experience with BOA. I have worked this part of the XXXX XXXX XXXX for well over 30 years, and the communications with BOA have never changed or improved at any positive level. As of today I was told my Negotiate is out of the office and has been for the entire week, and there is NO ONE overseeing her position while she is away, and NO ONE can assist to move the file for final review until the Negotiator returns. This is only a small portion of the chain of events with BOA. I would very much like to understand why if an employee is out of the office there is not one person available to respond with some knowledge that the file is being worked on. My file has now been sitting idle for well over 10 business days. If I performed business in this manner I would be out of business. I have throughout this entire process with BOA responded to their request the same day there is NO reason this file should not have been completed in a timely fashion, but due to the inability of the individuals that are holding this file idle have made this an impossible to feel there is an end and a hope for those being affected financially by this chain of events.

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 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX bill was paid in full as of XXXX XXXX, 2015, therefore it was not a collection account ending the month of XXXX as Experian is reporting. I have proof of the payment attached. Experian has not supplied me with full payment history and how they verified payments on the account as FCRA 611.

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 11-07-2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (CO).
Issue: Application, originator, mortgage broker

Complaint: when you contact this mortgage company you do n't get to talk to person. you leave a voice mail and they tell you they will get back to you in 24 hours and they never do. trying to get the loan redone and very little help from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation