milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Trouble during payment process

Complaint: All of my mortgage accounts get paid via bill pay from  XXXX   XXXX .   XXXX    XXXX   XXXX  has sold my lo an to Carrington. W hen this loan was transferred over there was a negative amount in escrow account at   XXXX    XXXX   XXXX . Per escrow instructions, I was paying down the negative over 12 month period with my payments . Carrington computer system has expected illegally to collect full escrow negative from my mortgage payment. Per fair credit act this is prohibited. In addition, I was never correctly notified that my payments were going into suspense and late fees were adding up. I only found out because of inaccurate reporting to the credit bureaus and my credit score going down for miss ing payments that  XXXX  has made on time. I have made additional payments to the account to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Struggling to pay mortgage

Complaint: My foreclosure began in XX/XX/XXXX when my servicer was XXXX XXXX XXXX ( an arm of XXXX XXXX ). They mishandled paperwork through FOUR failed modification attempts. During the second of these attempts, they filed a lis pendens with the court. They claim my husband was served. He and I are both on the mortgage. I was never served. Neither was he. But because they have an Affidavit of Service, the judge has continued to side with the bank. And because I was unaware of the action, I never responded. A few months later, during my THIRD ATTEMPT AT A MODIFICATION, there was a settlement conference scheduled. I did n't know what it was about because I was unaware of the foreclosure, so I called XXXX and asked them what I should do. They told me to disregard the notice. So now the courts see me as someone who does n't care about my home. But I do!!! 

In XX/XX/XXXX of this year I submitted a short payoff offer of $ XXXX to the bank. They rejected it. On XX/XX/XXXX I  submitted a modification application to them. They denied it. They said that because I 'm over 100 payments behind they ca n't help me, and that the only way I can save my home is by making the mortgage current ... to the tune of $ XXXX. They wo n't eradicate the interest and let me start from scratch. They can put those payments on the back end, let me pay back taxes and insurance, and let me start again. But they wo n't. 

They would rather put a mother on the street with her children than work with me. It 's disgraceful. I have contacted all of my elected officials as well as news outlets and the Attorney General about this. Now I am contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I received a letter dated XX/XX/XXXX from Bank of America stating that i owed {$31.00} from an account closed XX/XX/XXXX. My case number for this issue from Bank Of America is ( XXXX ). I contacted their Recovery Services unit and paid this amount ( {$31.00} ) was paid in full that month ( XX/XX/XXXX ). It has been four months since i settled this debt and I can not open a bank account. This issue in impeding my progress. I need a bank account and thought this was settled months ago. I even gave it time for them to report to credit agencies for it to be removed. I tried to open a bank account on XX/XX/XXXX and was unsuccessful due to this issue i thought was resolved. I am requesting that that this negative report be removed so I will be able to open accounts in other financial institutions. I am know wondering if there is another issue that is delaying my ability to open an 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 explanation
Consumer complaint received 12/30/2016 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (VA).
Issue: Credit decision / Underwriting

Complaint: On XX/XX/XXXX a tree fell on our house. The insurance company put the house as a lost and sent the check to Ocwen Loan Servicing on XX/XX/XXXX. Ocwen sent us froms to fill out and we did that and waited for them to start sending us the money to start fixing our house. But then they wanted something else to fill out. this went on until I called and told them I was going to send in a complaint to CFPB thats when they sent me my first check. And after 50 % of the wok was done they sent me the second XXXX. Now it has been over XXXX months that XXXX % work has been done and they are giving me the run around again telling me they need more paperwork that has already been send to them.On XX/XX/XXXX I was told that my last check was bring sent out with in the next XXXX to XXXX days. Today is XX/XX/XXXX I just got off the phone and now they are saying it 's still under review. It has been a year and XXXX months we have been waiting to get own home fixed. Just need to know what we need to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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: wrote two letters to this company last XX/XX/XXXXand again last XXXX XXXX, 2017 to dispute incorrect and inaccurate information on my credit report. They are claiming that they did their investigation but there incorrect and inaccurate pieces of information are still on my credit report. They are reporting unverifiable information from my credit report and it has been more than 30 days and no lawful action has been taken. I have enumerated all the items and what 's making these items incorrect and inaccurate on those two letters. Today, I am writing them another letter which is attached to this complaint.

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 07/29/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Account opening, closing, or management

Complaint: Hello, my Name is XXXX and I am a XXXX with the Wells Fargo. I have been contacting many different numbers to resolve my issue but nothing is happening so I would like to resolve it directly with someone that can possibly help me. 

About a week ago my brother came in to Wells Fargo to withdraw money from my business account ( XXXX ) not knowing that the money was taken out of someone else 's account we continued to do business. Yesterday morning ( XX/XX/2016 ) I walked into a bank to withdraw cash again and find out my accounts have all been closed out. Further investigation my accounts have been placed on hold and I am unable to withdraw the cash. I tried to figure out what the problem was and got no answer. About 3 hours later I receive a phone call from the same Wells Fargo location that accidentally made the wrong withdraw from an account and asked me to transfer XXXX to my XXXX business account because they took out XXXX and reimbursed the account that they originally took out from. 
Now putting these XXXX things together I am getting the assumption that Wells Fargo has closed out my account because of a mistake the associate made and not myself.. 
I am unable to pay my associates and as we 'll continue with business since my account and money is on hold until XX/XX/XXXX. 
I always kept my accounts in good standards up until this incident!

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 07/16/2015 about Debt collection (Payday loan) with Halsted Financial Services, LLC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am filing a formal complaint against Halsted Financial Services, LLC at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. Halsted is falsely accusing me of not fulfilling a contractual obligation with XXXX ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Unsolicited issuance of credit card

Complaint: A couple years after I noticed a credit card on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (I do not know) with Bayside Capital Services, LLC (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Debt collector called from Unknown/Restricted number. Left message stating that they needed to discuss scheduling delivery of legal documents, and that they were scheduled to deliver them on XXXX XXXX. They also mentioned that this was a courtesy call prior to doing so. The message also stated questions or concerns or scheduling issues need to be directed to the filing party ( no name of filing party mentioned ). The number that was left was XXXX. This company basically threatened legal action, without leaving any identifying information regarding who they are, or what the legal documents are about. There is n't even mention of a debt in the message.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: I have XXXX % equity in my home and have been paying my mortgage on time every month for the last 3 years. Wells Fargo is not allowing me to petition for PMI removal without jumping through arbitrary hoops that they have created and are not consistent with XXXX XXXX requirements as an investor. I would like to ask that you hold Wells Fargo to a level of accountability.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have recently refinanced my home and Ditech is my servicer, XXXX is the investor. I have since the start of this loan in XXXX 2016 made additional principle payments which can not seem to get credited to my account correctly. Each month I call and have to spend time speaking to numerous people who assure me that this will get straightened out. I 'm told they will put lock out codes on the account, next month when I call I 'm told the person prior did n't do it correct, now today I 'm told they acquired a bunch of loans and are really busy. I 've not received and accurate account statement from Ditech in 6 months. They keep applying my additional principle to future payments. Today I was told my additional payment from two months ago still is pending to be credited to my account. I asked for a payoff of my account and they can not give it to me because they have no idea what it is. This is ridiculous, six months and they ca n't resolve this issue. I also have asked that my interested be recalculated to be sure it was reduced with the additional payments from the time the additional funds were received and that those funds also should have been credited to the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Delinquent account

Complaint: I was informed my bonus check from work would be late. I immediately called American Express and asked what my options were as I wanted to do my due diligence having been a client of there 's for 11.5 years with excellent credit history. They informed me to make certain payments by certain days and they scheduled these withdrawals from my bank account. The account was paid in full and satisfied with their procedure. They turned me over to the credit bureau for being 30 days late after I did what we agreed upon to stay in good standing. This is not fair, they lied and I would like the 30 day late fee removed immediately as it is harming my credit score and I 'm trying to get a mortgage. I have the conversation on their recorded line and all statements documenting all payments made in a timely order as we agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received an alert on my credit report from Midwest Recovery Systems for {$660.00} on  XXXX / XXXX / XXXX . I called the telephone number provided, and a call rep informed me that it was a payday loan from  XXXX  from the year of  XXXX . I informed her I have never received a payday loan. I informed her I never received anything prior to now about a payday loan. She tells me I will need to file a police report for something that allegedly happened in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/18 I went to the Wells Fargo website to research auto loans. I put in my name. It asked if I was a member of Wells Fargo. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my  credit without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Today,XX/XX/XXXX I received and opened my latest credit card bill for the store, XXXX XXXX XXXX. As I just paid my bill on XX/XX/XXXX, for the amount of XXXX dollars, I was expecting my balance to be around 95 dollars. It was XXXX dollars last month. I was very upset and surprised to see that the balance was XXXX dollars. When I called the customer service number on back of the card, I was told by the service girl that she could not remove the late fee because I had been given a removal last year in XX/XX/XXXX I said I paid the bill on time by the due date and they did not have a right to charge me and she tells me it was suppose to be by XXXX, and I paid it at XXXX XXXX I told her the bill does not state time just the date. Later that afternoon, I called back and was given the same run-around. This robotic style woman tells me the due times are on the back not the front of statement, ( how convenient ). I checked the times just now and they say XXXX eastern time, or XXXX at the store, so therefore I am positive they are lying to me because she said XXXX. The supervisor was like a robot who could n't put her robot script away to help me, so I told her I would be contacting the consumer finance complaint department to help me out. I would like the late charge to be removed so I can pay off the entire balance by the next week or two before the deadline that they out of the blue are imposing. I also think they can do better or lose me as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Credit card debt) with Firstsource Advantage, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX has been harassing me about payment for an account I have never missed a payment on. They are handling a account from XXXX that was the result of partial fraud. They were informed of this when taking on the account. XXXX covered the full amount of fraud on the debit card I had with them and my banking account that was associated with it. I in turn agreed to make payment on the XXXX Credit Card. The company agreed to a payment of an amount each month. I have made these payments without issue every single month. And yet I get continously called by them and I only get calls at XXXX or later although I have informed them I do not want to receive calls after XXXX. When I inform them of this they say " if you do n't want calls then find a way to get the amount paid '' I tell them that I do n't understand why I receive calls monthly when I have NEVER missed a monthly payment nor is there a due date set for each month and they state they will just continue to call. The company ultimately has no reason to call or to call later than I have requested and yet they continue to and ignore my request for earlier calls. I can send XXXX XXXX XXXX the statements from XXXX. I should n't be threatened with continuous phone calls for an account I ca n't even make statements without the representative yelling at me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of American has taken over my home. XXXX XXXX purchased XXXX XXXX XXXX XXXX, XXXX, PA XXXX and my husband and I purchased home XXXX XXXX XXXX, XXXX, PA. In XXXX XXXX XXXX changed our address. XXXX home is now home XXXX XXXX and my home is home XXXX XXXX. Since then the XXXX home has gone into foreclosure. Bank of American had the address home XXXX XXXX as the foreclosure so the bank is insisting they have the correct home. They had my home on XXXX in XXXX of XXXX and my home was being bid on. The bid was not high enough, so the home did not sell. I had FINALLY got someone to listen to me at Bank of America and THOUGHT I had it straightened out and they took my home down of XXXXAuction. On XXXX XXXX, XXXX XXXX changed all the locks on my home, pad locked my garage and posted a notice in the kitchen. I contacted the PA XXXX Police and they told me it was a civil matter. I 've talked to multi attorney 's, Assistant DA, a few state troopersXXXX, Bank of American, the Twp for the address change and XXXX XXXX ( who my mortgage is through ). What I have learned from the PA XXXX Police is that, yes, XXXX did break and enter into my home and that is a criminal act but XXXX is protected by the Good Faith Statute. They were hired by The XXXX Department and XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( P ) XXXX ( F ) XXXX XXXX Bank of America XXXX. They will not speak to me because my name is not on the mortgage. Well of course not, BECAUSE IT IS NOT MY HOME that is in foreclosure! This is negligence on Bank of American part for not having their records straight and have the correct address for the XXXX home. I have all the paperwork and contact to confirm that everything in this email is true. This is a rental property. I now have lost XXXX tenant and another XXXX may leave as well. My neighbors now think that we can not pay our bill. I was informed that until this is straightened out with Bank of American and they insist my home is theirs because of the house number, they can come in and seize anything that is the home. This is unbelievable to me that everyone is protected but me. The only way that I can get any help is if I spend XXXX dollars on an attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Checking or savings account (Checking account) with Coinbase, Inc. (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: This issue is for believed fraudulent activity committed by Coinbase. There is a double charge on my checking account from Coinbase. On XX/XX/XXXX I bought {$500.00} dollars worth of Ethereum ( ETH, a cryptocurrency ) from Coinbase from my XXXX  Debit Card, linked to my Checking account, and the transaction went through no problem. I received my Ethereum. Today, XX/XX/XXXX an  UNAUTHORIZED {$500.00} was withdrawn from my Checking account by Coinbase. I did not buy any product from them. This withdrawal on XX/XX/XXXX was not authorized by me, and is NOT listed in my transaction history on Coinbase. I did not receive any product from Coinbase. I submitted a support ticket with Coinbase detailing this fraudulent activity. The support ticket is # XXXX, submitted around XXXX EST on XX/XX/XXXX. They have not responded to my support ticket or deposited the {$500.00} that they withdrew back to my checking account. Attached is my statement balance from my Checking account. I bank with XXXX XXXX  XXXX XXXX XXXX XXXX. I removed my Account Number from my attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: I filed a complaint that coinbase responded to but they brought up a completely different transaction than the one i was talking about. On XX/XX/XXXX i purchased bitcoin instead of coinbase crediting my acount with XXXX ... .... they deducted it and i was charged on my credit card XXXX dollars. Coinbase eventually took responsibility for their mistake after days of trying to speak to someone. they credited me back a XXXX ... XXXX when i should have been credited back XXXX ... ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: THIS DISPUTE WAS PAID TO THE ORIGNAL ACCOUNT HOLDERGE XXXX {$350.00}. THE ISSUE WITH THIS IS NEITHER PORTFOLIO RECOVERY NOR XXXX XXXX WILL RESPOND. I EVEN SENT AND FAXED A COPY FROM MY BANKTHAT IT CLEARED TO PORTFOLIO RECOVERY THIS ACCOUNT IS PAIDED IN FULL.

Company response to consumer: Closed with non-monetary relief