milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with Statebridge Company (IA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold to XXXX XXXX XXXX and is serviced by Statebridge Mortgage in Colorado. Since my mortgage was sold to them I have had repeated issues with getting my escrow payments made. My first property tax payment ( XXXX 2015 ) was n't paid until I called Statebridge and asked why they had n't made the payment. Payment was finally made after I notified them. The second issue I had was XXXX 2015 when they did n't pay harzard insurance. My insurance agent contacted me and notified me that my property taxes were never paid even though the statement was sent to statebridge. The insurance policy went past due and would have lapsed if I did n't act quickly. In XXXX 2015, I was trying to get a home equity loan and was notified that they had n't paid my property taxes again. I contacted people at statebridge and was told it would be taken care of on XXXX/XXXX/15 on XXXX/XXXX/15 I faxed my property tax statement to them with my loan number on it. I have confirmation it was received by them. I emailed XXXX different reps XXXX XXXX and XXXX house at statebridge and as of XXXX/XXXX/15 nothing has even been started. I emailed my property tax statement to a new rep XXXX XXXX and she seems like she may get something done but as of now I 'm waiting. 
I was told that I refinancing is the only way I can get out of statebridge. I do n't want to refinance because I paid the PMI insurance upfront and I would lose that policy if I refinanced. I would also incur fees and probably a higher interest rate to refinance my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NV).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, I did a wire transfer of {$40000.00} to Coinbase from my checking account ending in XXXX. I was expecting it by next day but when I called their bank " XXXX XXXX XXXX '' that was in charge of all wire transfers for Coinbase about the transfer, they told me that due to a memo issue my funds will not be accepted and should be returned to my account within 3-5 business days. 

I call back a week after to XXXX XXXX XXXX  after noticing my funds has not been refunded yet. They told me that due to the influx of new users sending transfers from Coinbase that the wire deposits and refunds may be delayed. I can either send a recall message or just wait up to a month for the deposit to automatically be refunded to my account. Due to recall messages having a cost, I decided to just wait longer for my funds back. 

Fast forward to a few more weeks. It 's been a month already since I first wired the deposit and at this time I 've already sent out 2 support tickets, 4 emails, over 9 phone calls, and even go as far as to contact Coinbase through their twitter account, but no response. The only time they did responded to me was saying that the funds were refunded already but it was not. 

I decided to do a recall message from my bank " XXXX XXXX XXXX '' and called XXXX XXXX XXXX again after a few days to make sure that the recall message was sent. They told me that the message is received by Coinbase and just waiting for them to send me back the funds. It 's been a month already after the recall message and I still have not received my funds. 

So a total of 2 and a half months of wait time with no response from their phone support, no response from support ticket, no help from the one time they responded to me on email which 3 of the emails were ignored, I am still missing my {$40000.00} from Coinbase. I am very unhappy with how Coinbase is holding my funds for such a long time and this is the reason why I 'm filing the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt not mine. It is showing up Wakefield and Associates from a hospital called XXXX XXXX At XXXX. Please have Wakefield and Associates remove from my XXXX credit report. Someone has been using my social security number and they 're a lot coming up on my XXXX. It is showing negative. Please have them correct this and have the report updated. Amount is for {$30.00}. I am refinancing my home and the mortgage company needs this removed from my credit report. Please update positive and remove.

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 02/24/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I was delinquent in mortgage payments with Ditech which are now caught up. This is my Homestead. Meanwhile, a different company was sent to my home and because I was away from home, they broke into my home by breaking a door then they drilled out a second door lock, they wintereized and padlocked my home. They ruined the gate to my property. They STOLE ITEMS out of my house. I am BEING LIED TO about my account by Ditech representatives when I call and complain or try to get to the bottom of things. I was talked over and not given any respect nor the opportunity to ask the questions I needed to ask. Customer Service is no help at all. I want to stop the process but do n't know how because no one will tell me. It appears 2 additional companies are now involved. Charges are mounting up for expenses that are inappropriate now that my house payments are current. I am XXXX and I am being harassed because I am XXXX and a XXXX. Circumstances put me behind but I have worked through them and I can now make my payments on time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2017 about Credit card () with U.S. BANCORP (IN).
Issue: Billing disputes

Complaint: I advised my credit card company of unauthorized transactions that took place in XXXX. I live in XXXX, and have not traveled to XXXX. My credit card company temporarily credited me for the items, until this past week. They sent me a letter stating that as I had not reported my cards lost or stolen, and that since the card was used with a chip reader - I am fully liable for the transaction. I did not report any cards lost or stolen as I have them in my possession ( XXXX cards -the joint account holder and myself ). They then reposted the transaction and billed my account. They did not do anything else to investigate, I am truly concerned and upset as how they were able to use my chip.

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 07/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (OH).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have been in contact with this company since  XXXX   2016  regarding my balance on my account. There was a double transaction made for a purchase someone did with me  and   one of  there charges was disputed. Since then my account was permanently closed but I still have a {$500.00} balance remaining that they will not release. I have called and emailed numerous times and keep being told to verify identity and afterwards I 'm told the account has to remain closed. I have expressed I will NEVER use them again so it is fine to close my account but I am entitled to my money. I contacted someone on  XXXX   XXXX  and after looking they had me send in a form for a Google wallet balance refund request and I was advised that it would take 10 days to deposit into my account. I called back on  XXXX   XXXX  and spoke with someone else that said it was don e but a specialist ne eded to review the account and how they had been trying to refund since last year but the bank account on file was no longer active. I was told I would get a follow up on  24-48 hour s and again I heard nothing!! I called back again on  XXXX   XXXX  and a representative had me refill out the form while he was on the phone and ensured me I would be refunded my balance on the account. However the next day I received an email saying he sent it to a  specialist  and they have to investigate prior to my refund! It has been a year and 7 months this company had my money. How much investigating can you do!!!! I would never recommend this service and for it to be  Google  o expected way better service than what I have been given. I will be closing every last gmail service accoun t I o wn and never using them again!!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with MORTGAGE CENTER, LC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: I was unemployed in XX/XX/XXXX and experienced a substantial decrease in income. I contacted my mortgage company right away to look at options. They provided me with information to apply for a government mortgage modification that would potentially lower my payments. The mortgage company explained that I would need to qualify for a permanent modification by making 3 successful trial payments. They provided me with the trial payment amounts and I successfully paid each trial payment on time and in XXXX XXXX they made my modification permanent. After reviewing my credit report a few months later, I noticed that the mortgage company marked my payment late for each month of my trial payment even though they had set the mortgage payment amount and I paid as agreed. This has caused a significant negative impact to my credit score as it is one of the only negative items. Had I known that they would mark me late I would not have went through with the modification process. I have contacted the mortgage company on numerous occasions asking for an explanation, and the only answer I get as that they say they are legally obligated to report me late. I believe there lending practice was deceptive and predatory. I have asked them to remove the late payments and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I am filing a complaint against JP Morgan Chase in reference to my online XXXX XXXX XXXX transaction # XXXX processed through Chase.com in the amount of {$520.00} on SundayXX/XX/2017. The amount was debited from my chase checking account but was n't credited to the XXXX XXXX XXXX account for which was to be sent by mobile number ( XXXX ) XXXX. The funds were never received by the orher party. After I completed all the required information needed to send the funds, the receiving party received a text message from her banking institution, XXXX XXXX XXXX, confirming that the fund were being sent to her account with the confirmation # XXXX, however the money was n't credited to any of her accounts. Both the other party and myself has reached out to both Chase and XXXX XXXX XXXX to attempt to recover the funds and have had no success and have only been given a run around. I have already filed a claim with Chase to trace the the funds ( claim # XXXX ). That claim has been denied because Chase has determined that the funds have been credited to A XXXX XXXX XXXX ACCOUNT eventhough I 've made it clear that it was n't any of the accounts of the correct receiving party. After a visit to a branch and multiple calls to the claims department pleading my case finally, Chase made a courtesy recovery attempt to recover these funds. I was advised that although Chase was able to determine the account holder that incorrectly received the funds they are not able to recover those funds from XXXX XXXX XXXX. No reason was provided to me as to why XXXX XXXX XXXX will not comply with the claim filed by Chase. I do not feel it is appropriate for me to be out of a significant sum of money due to some data entry or accounting error on the part of either Chase or XXXX XXXX XXXX. My instructions on who to pay was correct as XXXX XXXX XXXX confirmed they identified the correct payee based on the telephone number I provided when processing the transaction. I ask, as a long time customer, that Chase return my funds as soon as possible and continue to work to resolve this issue with XXXX XXXX XXXX.I 've even made it clear to Chase that I 'm willing to fight this battle on my own if they would release the info needed for me to go against the incorrectly credited party.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (FHA mortgage) with Homeside Financial Services, LLC (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I attempted to get a home loan with Homeside Financial. a  company located in XXXX, Ohio. In process of credit background checking this company Hard Checked my credit XXXX times. All individual hard credit checks. and destroyed my credit forcing me to get an FHA loan from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Mortgage debt) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: These people keep leaving written notices on my door to contact the Mortgage company ( Carrington Mortgage Services ) regarding another borrower 's mortgage ( XXXX XXXX ). XXXX XXXX lived in the condo directly beneath me in my building. <P/>I have contacted these people by phone three times now asking them to stop embarrassing me with these notices since the unit I live in was purchased with cash by the XXXX XXXX XXXX and there is no mortgage. I have explained to them each time that the unit in question is the unit directly below mine. The phone number on the notice is XXXX I just received another notice today. I receive one of these embarrassing notices taped to my door every few weeks. <P/>Please understand that since this is someone else 's debt ( entirely unrelated to me ), I am unable to provide account information, amount owing, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Bank account or service (Checking account) with BANCORPSOUTH BANK (MO).
Issue: Account opening, closing, or management

Complaint: I requested Bancorp South close my checking account and was specific that if there was an early closure fee, to notify me first before closing it. After several communications with them prior to this request, not once was an " official check fee '' mentioned. I would have transferred the funds to XXXX before closing had there been a fee, and I specifically requested to be notified in the event there were fees to close. I want my {$6.00} refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with Comerica (MI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Date X/X/18 Bank : Comerica Location : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Hello, The complaint is regarding a small deposit to a checking account made with Comerica Bank on X/X/18. The issue was n't the deposit itself, but cash back received. Made a small deposit with larger bills to a checking account and request a small fraction of it back in smaller bills ( {$50.00} total - 2 {$20.00} 's, 1 {$10.00} ). The teller handling this transaction hands me 3 bills, with the {$10.00} bill being 1/3rd missing ( ripped with right-hand serial number missing ). I 'm just tired of this sort of behavior and although it 's a petty complaint, would like to file it. She knowingly counted the bills and saw the integrity of the torn bill. My mistake was checking the amount but not the actual bills for this type of thing ( ripped ). Anyhow, just requesting {$10.00} deposited back into my account to rectify the situation and will happily return the torn one.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I purchased a    XXXX   XXXX      from  Toyota f inance company around     XX/XX/XXXX - XX/XX/XXXX . In to the loan I ran into financial problem. I was taken to court and I was hit with a Child support bill and back pay. That crippled me for about 6 months. I could make the payment so I called and told toyota to come pick up the  XXXX . They came and got the  XXXX  and sold the  XXXX  at a auction and sent me a bill of  XXXX  to pay for the  XXXX . If i had  XXXX  to pay i would have kept the  XXXX . Now I have this law firm    XXXX   XXXX   XXXX   XXXX    harassing me. After the first time th ey where rude on the phone i blocked their number so I would not get calls from them. Then I went to pay m y Auto lo an online this month and it was denied. I called the bank and they told me that  XXXX   XXXX   XXXX   XXXX  has a lien hold on my bank account and will not let me take out any money. With no access to any money what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: XXXX/XXXX/XXXX US Treasury Check ( # XXXX ) for {$12000.00} was issued to me XXXX/XXXX/XXXX I deposited the check in TD Bank XXXX ATM ( XXXX # XXXX ) XXXX XXXX XXXX XXXX Later TD Bank told me that the check couldnt be cashed due to endorsement issue I requested TD Bank to return the check. 
But TD Bank told me several times that the check can not be returned due to their bank policy. 

It took me months to contact IRS and US Treasury Department to find out that someone in TD Bank has cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with REGIONS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$1500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$620.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX {$9.00} I have filed multiple claims with Regions Bank theat the above transactions were unauthorized. All these transactions were made in a different state from when i live. They refused to refund the money to my account, stating I was responsible. I have filed a police report and sent Regions Bank supporting documentation. I was awarded a temporary credit but not for the 3 largest transactions.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: showing missed payments that were n't missed and this account is closed and purchased by XXXX and reporting old factual data

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I contacted Experian about XXXX XXXX incorrect balance XX/XX/XXXX. They sent me correspondence on XXXX/XXXX/2015 and said that XXXX had been updated the balance reflected a XXXX balance, the balance is XXXX and XXXX XXXX balances remain the same. If they investigated why would they send me back incorrect balances? XXXX XXXX balances are XXXX XXXX, XXXX XXXX, XXXX. Please have them investigate these balances and report correctly. The information they sent me is completely wrong. if they did the investigation they would know that these are all wrong. They should be fined for not reporting correct info on a consumer report.

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