milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2018 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (TN).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for a FHA mortgage from Guild Mortgage for a manufactured home because the other company that approved me for a loan would not give loan for manufactured home. My realtor told me I could get a loan for manufactured home through Guild. I applied, sent all paperwork they requested. They then asked why my XXXX  payments did not show on my checking account. I told them I had a representative payee and my XXXX  payments go to our account with both our names on it and she transfers money to my account as needed after all bills are paid. They wanted the paperwork stating that I had a representative payee. I sent that. They already had my last 2 yrs taxes, benefit statements. They then said that the XXXX   benefits was my representatives income and not mine. I told them they were wrong. Sent them the social security act that states what a representative payee is and how it works and that the income was mine. They said they would send it to an underwriter and get back to me. I informed them they were wrong and that I would seek representation because I felt they were discriminatory towards me because of my XXXX and that my income was XXXX payments. That upset them and sent my complaint higher up the chain. I was sent an email stating they would look into the matter and get back to me within 30 days. Well, the house I want might be gone in thirty days. This process has already gone on for 2 weeks. Now I am Afraid to contact other lenders because this might happen again and I don't want my credit to keep getting checked cause that messes with score. I also will not find another house any time soon that fits our requirements and for an outstanding price I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I honestly do n't understand this collection agency. I previously complaint about this agency and they told me to write a dispute. I did. They ask to close this file and states they are not doing any wrong.I ignored the fact that they kept hitting up my credit report during the dispute which I still have not received any statement detail with the expenses I owe and what services nor do I have a contract with Midwest recovery. I why are they keep hitting my report frustrating me. Could I get a lawyer for their actions and lack of professionalism it truly bothers me mentally when I do not owe this company and stressing trying to figure out how did they come about that amount. Below is proof they are constantly hitting up my credit report with negative activity.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Hi, I have a Macy 's Star credit card since 2012. XX/XX/XXXX I lost my card so I called up Macy 's and logged a complaint for it. They immediately blocked my card and told me not make any payments as they are doing investigation on it and they will send a new card. I got the new card in few weeks but post that I did n't get any statements from them neither I did shopping XX/XX/XXXX. In XX/XX/XXXX when I went to Macy 's department store, I finally got to know that they have closed my account for non/late payment and reported my name to credit bureau. 
When I called up to enquire about it, I was actually surprised and traumatized that they are not even bothered if they have closed my account and send my name to credit bureau. They were just asking me make the payment for all the charges. After lot of argument finally they settled my account for the balances and I made the full payments but still my name is still reported credit bureau for the mistake I did n't made. 
Lastly I am the customer since 2012 and I did n't even made one late payment and still they closed my account and sent my name to credit bureau that to without informing me. It is really not expected from them. 

Please help.

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 08-07-2016 about Debt collection (I do not know) with Arcadia Holdings, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is once again trying to collect a debt that they claim I owe but will not validate. I have asked them for verification before and they did not provide anything.

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 01/19/2017 about Consumer Loan (Installment loan) with Enova International, Inc. (TN).
Issue: Managing the loan or lease

Complaint: On several occasions as a borrower, I have attempted to call both the local and head offices of this company, CashNetUSA, to find out what my balance was. I may have done this within just a few days of my last payment, but was told that information was not available to me. I would have to wait until the close of the next billing cycle in case there are " changes. '' I argued that there are changes all the time to the balances in my checking account, and the bank has no problem making those real-time immediate updates. 

During XXXX of my inquiries, when I wanted to know what my balance would be in about XXXX weeks from that date IF I did NOT use my flex loan amount to take out any funds from my account. 

I could not be provided that information either, but evidently the representative was slightly rattled and " almost ' '' told me what my balance would be on that date if n further transactions occurred. 

Seems t me if banks and credit card companies and and DO provide this up to the minute, real time financial data to it 's customers, there is no reason CashNetUSA could not do the same thing. 

What was the purpose, I wanted to know, in this " XXXX '' the company kept from it 's customers? As I saw it, the customer had the right AT ALL TIMES to know what their actual balance was. 

I got nowhere on any of my attempts and so I am brining my complaint to you. 

Frankly, I think CashNetUSA is taking liberties with the funds of its customers, but with so little forward and backward account documentation to go on, it is hard to tell. 

Is that perhaps, by design??

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Bank account or service (Savings account) with JPMORGAN CHASE & CO. (CA).
Issue: Account opening, closing, or management

Complaint: I make an ATM deposit every 2 weeks or so at my local chase bank. Included in that deposit is my husbands paycheck. When he forgets to endorse it, I do. I have been depositing the checks for years with no problems. Chase has changed their ATM system and now each time I try to complete a deposit I get a screen that says a " customer service representative will be with you to go over your deposit. ". Then I have to search someone down who is not busy to continue my deposit. This usually takes between 5-10 minutes. Last week, I found an employee who left her office and looked over my deposit. She said " did you endorse these checks? '' I told her " yes ''. She said she could n't accept my husbands pay check. I told her I had been depositing this same check for 30 years with no problems. I did not want cash back I just wanted to make my deposit. By this time I was there 15 minutes for a transaction that should have taken 3 minutes. I was fed up since it was the 3rd time in a row that I had to wait to complete my deposit. I told her how I felt and that I wanted to close my account. She said Fine. I followed her to her office where she proceeded to close my savings and checking account. She took my debit card and came back with a check.. The total of my check was {$87000.00}. At no time did she call over a manager or offer my other solutions to my problem. I told her that I thought it odd that she would just hand over this much money without making any effort to retain me as a custumer. She told me she had made a note of my complaint when entering my info in her computer. With that, I left. I opened a new account the next day at XXXX XXXX. Though I do not want to bank with them anymore, I just wanted a record of how thoughtlessly I was treated that day.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NM).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On coinbase XX/XX/XXXX I sold I bitcoin at an exchange rate of {$12000.00}, {$190.00} in fees, {$12000.00} was supposed to be credited to my US $ wallet. I also sold some other digital currency in order to reach my daily {$15000.00} trading limit, which all cleared as normal and was able to wire those funds out of my account. My bitcoin is deducted from my account but the funds as of XX/XX/XXXX have not been credited. The transaction shows pending in history, but complete in my bitcoin wallet? I have filed numerous cases with XXXX and have not received any valid explanations, only automated responses. The email address they say to send requests for assistance to are disabled and, they claim no-one over the phone can help with deposit or wire issues. I have tried to contact them on XXXX, spoke to a rep on XXXX who never responded after I gave him my case id. My coinable case id # XXXX, the original transaction reference code for this transaction is XXXX. Also there is the tax issue I 'm not sure how to handle sold in XX/XX/XXXX but still have not received my funds in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Other service problem

Complaint: Hello I am contact you in regards to my active coinbase account. As of XXXX XXXX I was locked out of my account. I was directed on their website to follow a few steps to resolved the problem. I completed the process and received an email notifying me that it was approved and I should be receiving a code by text to allow me access to the account. I never received the code. Next I sent a request ticket through there website, but got no reply. After that I called the customer support number, who directed back to the website. Once I did get a reply regarding my ticket it directed me back to the website. Next I used their XXXX account and their XXXX XXXX account for assistance and have gotten no reply. I am now writing to you while being placed on hold by their support line, I have been on hold for two hours. I have not included the dates because of the large amount of attempts I have made. 

Please help me regarding this issues, I have went through the proper channel as they have directed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is not responding to my requests to investigate and remove accounts that do not belong to me from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (IL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint: All three credit agency are refusing to send me my credit report do to they say they can not verify my idenity but if i go online fill.it all out they can verify my idenity do to questions i answer an wan na charge me by law im intitled to one free credit report once a year there refusing to send me my credit report saying do to my new address not being here long enough ive been in XXXX 3yrs there is no other address to giv them plus threes years before that i was XXXX XXXX XXXX my id dnt have this add.my bills are all electronic i believe some1 has used my idenity for a mortgage loan and a home equity loan while i was in prison someone scaming is gon na do what ive been doing to get my credit report i need to see whats in there so i can address it right away my names XXXX XXXX thank you.please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Problems caused by my funds being low

Complaint: On XXXX/XXXX/2015 I made a deposit of {$100.00} into BB & T bank. Which at that time brought my account to a total of {$95.00}. Also on that same date there was a charge of {$28.00} and {$36.00} ( Over Draft Fee ). The reason for the fee according to BB & T is that they had to separate {$100.00} from my account to pay for a ATM with draw that did not happen till XXXX/XXXX/2015. By doing this they Over Drafted my account. And because of this, it caused a Dominions affect on my account where I have charged a total of {$320.00} in NFS fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been attempting to pay this debt for years. Every time I spoke with XXXX XXXX they could never find me having any sort of debt or collections. Finally about 2 months ago was contacted by a collection service for this debt and it was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was asked to renew my income for an income based repayment plan on XX/XX/XXXX. The information I recived was, "You currently repay your loans under the Revised Pay As You Earn (REPAYE) Repayment plan. Under this plan, your monthly payment amount is based on your income and family size. As part of the REPAYE plan, you are required to recertify annually. Since you are approaching the end of your 12-month payment period, you need to provide your and your spouse's (if applicable) income documentation and verify your family size, so we can recalculate your monthly payment. You must do this even if your income and family size has not changed. Recertify electronically at StudentLoans.gov. We must receive your application by XX/XX/XXXX. If we do not receive your application within 10 days of this date, your monthly payment is estimated to be $XXXX, first due on XX/XX/XXXX." I uploaded the requested information on XX/XX/XXXX. On XX/XX/XXXX I received a statement staying my XXXX bill (due XX/XX/XXXX) will be the total of $XXXX. There was no explanation for this increase from my original monthly payment of $XXXX. I have called twice. The first time (XX/XX/XXXX) and was told to reapply for an income based plan. I did that. On (XX/XX/XXXX) after receiving a notice for further paperwork, I called and was told because my XX/XX/XXXX paperwork was not process in 90 days I needed to reapply for income based. Therefore, because Fedloan did not process my paperwork I am now stuck with an un-affordable payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: I made a deposit at an ATM for {$300.00} at XXXX Pacific Time. The deposit was still pending the following day and did not credit to the account. I was charged XXXX overdraft charges of {$34.00} each as a result. I call Chase and they ssid the system on the east coast said the deposit was made at XXXX Eastern Time. My ATM Receipt shows a deposit time of XXXX Pacific Time exactly.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX aka. Wells Fargo. 
I purchased a large item and to get credit the seller started this Wells Fargo account with my permission. 
The account was always paid on time. 
I did a balance transfer to pay this card off. 
After the final payment went in I checked the account on-line around XX/XX/XXXX and the account said {$0.00} balance. If there was a balance at that time I would have paid that also. 
Balance transfer payment was sent on XX/XX/XXXX.

Wells Fargo acknowledges receipt on XX/XX/XXXX The due date for the payment was XX/XX/XXXX Wells Fargo never sent another bill in the mail after I tried to pay this account off. 
They assessed interest on the account before the payment went in. Then charged me a {$38.00} a month late fee. They said they contacted my wife and made payment arrangements but never received a payment. This never happened. My wife never talked to them. The only way I found out about this account being delinquent was seeing my complimentary credit score on my other card bills going down so I got curious as to why and requested a credit report from XXXX. After I found this account was posted as 120 days delinquent, I called Wells Fargo to settle the debt. By this time an account that was supposed to be paid off was sitting at around a {$200.00} balance. I spoke to a Gentleman in the collections department and told him I was not going to pay {$200.00}. He said that he would take a {$140.00} payment that day to clear the account. I asked him if I paid that day, if they could remove at least some of the late payment entries on my credit report since this whole late thing and the balance was up for dispute. He said he would submit a letter stating that the balance amount was disputed and that was why it was not paid until this payment. I also submitted a dispute with XXXX which only came back as paid with all of the late payment entries still on the report. I acknowledge that the payment came in late and that I initially owed them a small interest payment and the first late fee. However I checked this account on-line and it said XXXX balance. I did not know the payment came in late until I called Wells Fargo about the credit report. I feel like I was basically set-up because as I stated above, not one more bill or statement arrived in my mail after I tried to pay this account.

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 06/19/2015 about Debt collection (Medical) with R.M. Galicia, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I took my XXXX year old son to a XXXX XXXX medical center and I provided a legitimate form of payment. They attempted to file a claim with the insurance provider and the claim was denied XXXX which I found out when I started investigating the collections report on my credit report ). They claim to have sent statements to my home address. I did not receive any. I was never called or notified that this would be sent to collections. 

Now my credit report is reflecting a collection action of which I had no knowledge until it was on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (IL).
Issue: Struggling to pay mortgage

Complaint: Due to loss of income ( I am XXXX ) - I have been struggling to keep up with my mortgage payments. In XXXX, each month my mortgage was paid on time. In XXXX, I fell behind in XXXX. As of today, XXXX/XXXX/XXXX I owe the payment for XXXX, XXXX, and XXXX. Today, the mortgage company told me if I do not make a payment today, all 3 payments will be due on full by the end of next month and my mortgage will be forward to an attorney to start the foreclosure process. I advised that I applied for the Hardest Hit program, and they still advised they will proceed with the foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Mortgage (Conventional home mortgage) with PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT).
Issue: Trouble during payment process

Complaint: Peoples United Bank is harassing us by applying mortgage payments late, making multiple suspicious debits and credits that offset each other, and reporting false interest information to the Internal Revenue Service. Peoples United reported to the IRS less interest paid than was actually paid on a XXXX for XX/XX/XXXX. A separate complaint has been filed with the IRS regarding filing the false XXXX. 

Peoples United Bank did not apply a {$450.00} extra principal payment when it was taken out of my checking account on XX/XX/XXXX. Instead it logged a {$450.00} payment on XX/XX/XXXX, then logged a debit for {$450.00} on XX/XX/XXXX, and 15 days later logged the payment for {$450.00} on XX/XX/XXXX. It also failed to process several written requests to increase the extra principal payment from {$1800.00} per month to {$2200.00} per month on the XX/XX/XXXX of each month. As a result the extra principal payment was applied 3 days late, and then applied 13 more days late. When we requested help the customer service representative, XXXX, told us we completed the form incorrectly and harassed my wife about completing the form correctly. She was extremely rude and inconsiderate.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Struggling to pay your loan

Complaint: XXXX of 2016 constant calls emails monday thru sunday up to XXXX XXXX at nights ..calling my bank to get info

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Chapter XXXX case # XXXX was converted to a chapter XXXX case # XXXX and was discharged XXXX/XXXX/2006 Equifax is still reporting these XXXX cases as seperate cases when the chapter XXXX case was converted to the chapter XXXX case and discharged. The bankrptcy court said that the chapter XXXX case is the only case that should be reported.It appears that Equifax is not verifing this information correctly after XXXX requests to change this information on my credit report.

Company response to consumer: Closed with explanation