milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to get a loan modification from XXXX XXXX XXXX since XX/XX/XXXX which the loan has now been bought out by Rushmore Loan Management Services. While it was with XXXX XXXX XXXX, after asking for help I was told I would have to skip XXXX payments which I did and then they would talk to me about helping me. They then sent me a letter telling me what I needed to send them which I did and to start making my payments again which I did. They said I would here back from them within 45 days. Before the 45 days were up they put us in foreclosure and never let us pay again even though we could make the payments and made us accrue over {$100000.00} in interest since XX/XX/XXXX. I have an attorney working on this with me. The last correspondence we have had from them was in XXXX XX/XX/XXXX which is well beyond the 45 days that they should have responded to us from the offer they gave us and our lawyer wrote back to them. This has been a continuing problem with this bank and has gone on way to long. This bank ignores our attorneys phone calls and we feel it is time the bank responds to us and our attorney. They have destroyed my credit letting this go on for so long. It is the banks responsibility to get back to us in a reasonable time frame and they are not doing that. I just want to hopefully receive this modification and finally move on with my life. I do n't feel the bank should have the right to keep this up in the air without any correspondence at all. I just want them to do what they should do in the correct amount of time allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted expertise several times for over XXXX hard inquires in which only XXXX is mine with a credit card and XXXX with XXXX car loan. all the other inquiries not mine.

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 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and XXXX personal loan accounts is listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance on my home loan on XXXX of 2015. Since I submitted my request for review, I have been assigned XXXX representatives, I was sent letters of any missing documents, in which I returned all items as requested. I was contacted in XXXX of 2015 and advised that I had been approved for the Hamp Trial Program. I did not agree with the offer, since the payments were still too high for my fixed income. I requested an appeal on XXXX XXXX, and no response has been provided. On XXXX XXXX, 2015, I received a letter from Wells Fargo dated, XXXX XXXX, 2015, stating that my payment would increase from {$560.00} to {$1000.00} a month, effective XXXX XXXX, 2015. No explanation was given to as why there was an increase or at least a 30 day notice. When I spoke to the representative at Wells Fargo, she was unable to advise to why the increase and unable to provide status of appeal. In addition, prior to starting the review, I set up an escrow account for taxes and insurance and I was told by the representative that I could cancel in the event the hamp program was not accepted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Other bank product/service) with Comerica (PA).
Issue: Deposits and withdrawals

Complaint: Comerica Bank Parent Company of Direct Express, has failed and/or refused to issue my Social Security Benefits and a timely and prompt fashion. On at least two occasion XXXX XXXX and XXXX XXXX deadlines were failures. I tried to exhaust my remedies at corporate level but to no avail. I spoke with gentlelady for the eastern board name XXXX. I explained to her I went to the postal office on 2 different occasion s superior told me there was absolutely no mail for for direct Express. I told her this the answer she could offer is that pay federal XXXX for XXXX dollars. Keeping in I 'm on a fixed income and over on rent other bills.then spoke with XXXX who operates Quailty service for Comerica bank. She totally avoid Ed me.I ran out of options. This complaint is my last resort. To this date XX/XX/2016.I Respectfully ask that CFPA look into this matter at your earliest convenience. And compel These entities with all rules regulations of law. To issue my debit MasterCard. ASAP and and other relief you may offer thanking you in advance for your assistance ....

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My state tax lien was vacated/expunged by the XXXX, however it is still showing on my XXXX credit report. I sent a certified letter to Equifax on XX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and XXXX did not delete the tax lien from my credit file. Their response was they verified the information with Lexis Nexis.I contacted Lexis Nexis on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the XXXX records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with XXXX because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account XXXX XXXX was previously closed and removed from my credit report as of XX/XX/XXXX, I double checked on XX/XX/XXXX and it was Closed and removed the same day. How ever the Credit Bureau Transunion and XXXX have Reinserted this Unverified Collection that was previous deleted. I have written multiple documents to both creditors as well as contacted the collector who could not substantiate this collection which is why it was deleted it has been disputed and no help has resulted in 4 months Per 15 U.S. Code 1681i - of the FCRA ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which was never done so this should be deleted as it initially was when it was not verifiable

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 10/18/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I requested a copy of my credit report for review and found XXXX discrepancies. There is a XXXX after my name showing XXXX XXXX XXXX XXXX, and I have never used any numbers after my last name. There is also a former address that is not mine listed on my credit report that is the next address listed under my current address. The incorrect address on the report is XXXX XXXX XXXX, XXXX, IL. XXXX. This was reported on XX/XX/2012 and last reported on XXXX/XXXX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: The collection accounts on my report are medical and are using illegal balance billing especially on Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with REGIONS FINANCIAL CORPORATION (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a vehicle fleet card program with  FleetCor.  They have made it very difficult to pay on time, which triggered numerous fees which have been extremely difficult to remove.     In   XXXX   XXXX     customers were unable to access their bills online, supposedly due to a computer upgrade. As FleetCor stopped sending bills, customers had no access to bills. Because bills were not paid, FleetCor started charging Fees, such as " High Risk '' Fees, " Late Fees '' -- and what I consider usery interest rates, Even Though FleetCor was at fault for not providing bills.     These fees continued to accumulate and reached in excess of {$1000.00} by the end of  XXXX . While my fuel bill was approximately {$1700.00} per month, for a total of approximately {$5000.00}.     I was patient at first because I received messages from FleetCor not to worry that they provide credits for late fees. BUT no credits arrived.     I Called in  XXXX . I was on hold for over an HOUR --  Yes  over an hour. I finally got a hold of a person in a call center who spoke poor English who had to then reach a supervisor to apply the proper credit to my account. Guess what, the following month, Not all the credits applied, But all the additional fees kept piling on.     So I called in  XXXX , and the call center answered and were unwilling to apply any credits. I was furious. I told the person that I wanted to cancel my account. That triggered my call to go to a " customer advocate ''. So, it was not until I threatened to cancel my account that I received someone willing to help me get credit for all the Late Fees that piled on. She was extremely gracious, removed all the late fees and even allowed me to pay my gas bill on the spot. I then cancelled my account with FleetCor feeling their deceptive practices does not deserve my business and went to  XXXX , their competitor.     I find  FleetCor  's tactics fraudulent, doing whatever they can to accumulate late fees. I had trouble with them in the past, where checks that were sent ten days in advance were not posted into their account until after the due date, triggering late fees.

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 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XXXX XXXX 2017, I reported that my Coinbase account was compromised because a XXXX dollar buy order for Bitcoin was made, but it was not made by me. Because I reported this, Coinbase " temporarily '' locked my account that day so that no outgoing transactions could be made, which means that buy order still processed and XXXX dollars was taken from my bank account, and then added to my Coinbase account in the amount of roughly XXXX Bitcoin. 

I have since figured out what happened to my account ( on my own ) and have requested that Coinbase unlock it so that I can log back into it and properly manage it like I always have. Or, at the very least, I have asked them to send me the Bitcoin that is rightfully mine ( since it is in my account ) so that I can get my XXXX dollars back, or at least the bitcoin equivalent of it. 

I made this request by replying only a few hours later to the email ticket I had opened on the XX/XX/XXXX,  asking them to give me access back to my account. I never heard anything form them for over a week, thats when I made my first call to their support line that you have to wait on the phone for 30-60 minutes to speak to anyone. Doing this did not help at all as I could get no actual details about my case from them, and was basically told to keep waiting. I have been waiting for 5 weeks now and have made many more calls to their support line expressing my frustration and trying to get information, and yet I can not get any details of what is going on. The people on the support line have told me that these cases normally take under 10 days to resolve, but my case has not even gotten a response with any detail about actions they are taking to resolve it, not a single word. I am demanding Coinbase unlock my account so I can access it, as it has important money locked in it that belongs to me. During my last phone call with them a few days ago support at least made a note on my ticket as seen in my attachments, basically just saying for me to continue to wait and to stop replying to the email ticket ... .but once again, no actual detail or estimated time given on when I will have my account back.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (FHA mortgage) with Fay Servicing, LLC (GA).
Issue: Trouble during payment process

Complaint: My mortgage was sold to Fay Servicing from XXXX XXXX in XXXX of XXXX made my XXXX payment to XXXX XXXX and begin making mortgage payments to Fay Servicing in XXXX of XXXX. On XXXX XXXX, XXXX ; I received a notice advising that my check was returned as my account was in active pre-foreclosure proceedings when my payment has been made monthly. I called in and spoke with XXXX ; who introduced himself as my account manager ; advised that the last payment received towards the account was in XXXX for the month of XXXX. I eplained to the representative that my payments have been made each month and there was no way that I could 've made a payment for the month of XXXX in XXXX as Fay Servicing did n't acquire my account until XXXX. He in turn told me that I needed to go through the loss mitigation process in order to save my home. I sent a follow up email on XXXX providing copies of canceled checks from Fay Servicing for XXXX-My payment was made directly to my previous lender- Check XXXX I started making payments to Fay Servicing the following month. My XXXX payment- Check XXXX was cashed on XXXX XXXX for XXXX My XXXX payment was cashed on XXXX XXXX Check XXXX for XXXX The payment for the month of XXXX was returned check number XXXX The payment for the month of XXXX Check XXXX has not been cashed or returned. As of XXXX ; I did n't receive a response from Fay Servicing or at minimum an acknowledgement of my email receipt ( basic customer service ). I called in spoke with XXXX XXXX again and was advised that the request was sent to thXXXX XXXX on XXXX. I requested the name of his manager and was provided with the contact information for XXXX XXXX. I sent him an email with the supporting documents and have yet to hear from anyone within the organization regarding my payments or account status. As a safety precaution, I sent in the loss mitigation documents on XXXX to avoid missing the XXXX deadline. I would like for Fay to reactivate my account to allow me to make payments ; as well as remove any associated fees due to their collection proceedings. It seems as if the lender is attempting to swindle my property from beneath my feet and forcing me to go into loss mitigation so that they can add additional fees or extend my loan. This has to be the worst customer service that I have experienced

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Student loan (Non-federal student loan) with SUNTRUST BANKS, INC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I XXXX XXXX co-sign load for my son XXXX XXXX. Set up paper work. 
Loan wat to start after he got his first job. Paper work took very long time. This is with XXXX XXXX XXXX. We XXXX sign the loan. 
They said due to it took so long. We would have to sign load 2nd time. So we did. They What the did not say is the loan was changed the load so payments would sartin 30 days. Did not know this and had to pay penalty. 
Then I find out Suntrust went into my account and set up autopay. 
I am the cosigner. They did not ask to do this. I let it go. But next payment did not come out. Now they want me to pay for late chargeagain.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A gentleman by the name of XXXX XXXX is calling me, my wife, my parents, my wife 's parent, and my friends and telling them I have a court judgement against me and that he was sending a law official over to issue a citation for arrest. He calls non-stop and provides this information. I called the courts and they do not have a number that he keeps giving and they do not have any record of him. Please help. I have kept a recording of what he says on my phone. 

XXXX XXXX # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Currently I have a first mortgage, with about XXXX dollars un paid. I have a home equity loan from Wells Fargo of XXXX dollars and used XXXX. It was an interest only loan ; and they also became the second holder of the mortgage. In XXXX of XXXX they matured the loan and demanded full payment. I could not pay. So after a running discussion with their staff, and my submission of documents supposedly for a modified loan, which came back in the amount of XXXX, but this on top of XXXX first mortgage clearly could not work. 
I wrote them a letter saying why, and that I was just digging a deeper hole, and would they consider an amount of approximately XXXX - XXXX dollars a month. They said flat out " no '' and based it on my gross income. Did not take into account that I am XXXX years old, and while I had a XXXX, which I no longer have. My net income is XXXX dollars, pension and social security. At first glance one says, well, he should be able to do it, but taking care of house, those expenses as well as medicines, family expenses, it would be choke tight, and after a period the loan at that amount would become delinquent and more charges would be added. I paid, without fail, the interest on this loan for over XXXX years. 
Second issue, the loan was in fact predatory, in the sense that as I remember they sought me out, and must have realized when they visited that a house I paid less than XXXX dollars, a HUD house that had been vacant for many years in a shaky neighborhood, could not have been worth the value they put on it of - {$120000.00}. They seemed to know what they were doing. Now they are threatening to foreclose. On XXXX/XXXX/XXXX, I received a notice that they were foreclosing if I could not cure the default by XXXX/XXXX/XXXX. This is not something I can do. 
In our last discussion on the XXXX of XXXX, when they were pushing me to sign the modification and insisting that I pay XXXX monthly payments of XXXX each. It was sign or not on that date! But strangely, as I talked about how I came to the home equity, and that the person who came out was looking at me incredulously. We were on a XXXX-way call, and the XXXX Wells Fargo people, each uttered, at different times, more a kind of, blurt, " write off '', it was noticed because it was not tied to any discussion that we were having out loud, meaning maybe they were having the discussion in their heads. The words were out there, and I did not ask, because I, only in recalling the discussion, thought that these utterances might be significant. 
More serious is the fact that I do not have a full sense of my legal property rights on this matter.

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