milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My brother-in-law and I jointly own a condo in XXXX XXXX XXXX, FL. We are current on the mortgage but are underwater by about {$80000.00}. In XX/XX/XXXX, Suntrust offered us an interest only mortgage which they refinanced in XX/XX/XXXX by increasing the payment by about $ XXXX/mo. We also were offered a XXXX mortgage in XX/XX/XXXX with options that we have been paying as an interest only loan for about 8 years. This will reset in 2 years and our payment will go up about {$600.00}. 
We have the apt . rented but do not receive enough rent to cover all costs. We are short about {$900.00} a month which we have been paying for with savings. 
We both have excellent credit but have had a really bad year. My husband died last year which resulted in my loss of $ XXXX/mo of income. I also had another rental property that was used as a XXXX house which cost me {$50000.00} last year until I sold it as a loss. My brother-in-law had a XXXX and was in a serious car accident in XX/XX/XXXX which resulted in XXXX. 
We are trying to get these XXXX loans which are owned by Suntrust modified with lower payments. If they would combine them or modify them, then we could continue to make the payments. 
In fact, my renter is willing to purchase the property as a short sale. 
Suntrust has been very difficult to deal with. They keep on asking for more papers, corrected papers, additional documents. I received a call this morning telling me that the bank statements that my brother-in-law submitted on XX/XX/XXXXare out of date and that he needs to submit new documents. This call also requested a current social security letter even though he had submitted the info XXXX/XXXX/XXXX. I have had to resubmit other documents at least 3 times for very minor issues-like no postal code, corrected dates. They are also telling me that if they do n't receive the paperwork by XXXX/XXXX/XXXX, the file will be closed. 
Also, they are calling me almost every day with different items that they need and sending paperwork requests that do n't match the calling requests. 
Both of us are retired and we are trying not to default on this property. Hopefully you can help us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Potentially impacted by the security breach at Equifax in XXXX 2017. Went to their portal and entered my personal details. By Equifax 's assessment, my data may have been hacked and improperly released to outside parties. 

Checked my credit report with XXXX and nothing fishy as of yet, but I can not afford to keep buying credit reports once my 1 per year with the three credit unions runs out. 

I have also put a 90-day fraud alert on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax have re-inserted an Item that was deleted almost a year ago. per FRCA,  the CB 's  did not inform me within the 5 days of re-insertion.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Checking or savings account (Savings account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: XXXX removed {$290.00} from account without written information a debt or request to pay debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Account opening, closing, or management

Complaint: I 've had Wells Fargo as my bank for a few years now. And every time I go into the bank they try to get me to open another account. I had a normal checking and savings account. However, about two years ago they had me open a second checking and savings account because they told me it was safer to have to different checking accounts. However, then I got charged fees for the other checking account because I did n't have enough money in it or because I did n't use my debit card enough. Even though they told me the separate checking account was for my direct deposit only. Let me clarify, they told me it was safer to have a checking account for direct deposit and then a separate checking account for my debit card. But then I was charged a fee for not using a debit card with the direct deposit account. I hate going into the bank, because when I walk in I 'm immediately attacked by all the tellers, yelling and calling me over to their window. Half the time I went through the drive thru window they told me they had to have me come inside and speak to a banker and I ended up with another checking account, another savings account, and a credit card. In the past few months I 've been taking money management classes. I maybe make {$1600.00} a month. Why do I need that split up into XXXX accounts? Why are they convincing me I need all these accounts when I barely have enough money in XXXX account? And then when I do n't have enough money I get charged a fee, even if I have money in the other XXXX accounts. How does that make sense?

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: .On XXXX/XXXX/XXXX I used XXXX to retrieve all my credit reports. I was not able to get my annual free report from experian and XXXX. XXXX also does not allow me to freeze my credit without making an account with them online.

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 04/27/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have disputed and requested debt validation from Portfolio Recovery Associates on an account I found on my credit report. PRA has not sent sufficient debt validation after XXXX sent certified mail return receipt. PRA has continued to report derogatory information to all XXXX credit bureaus. PRA has also failed to notify XXXX this account was in dispute until after 60 days when I notified them of their error. PRA is in violation of the FDCPA and is not reporting accurate information. As a consumer I am extremely frustrated trying to work directly with PRA as their business practices are not ethical or accurate. I will continue to dispute this inaccurate account until my voice is heard and action is taken. Thank you for your time! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Home equity loan or line of credit) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My HELOC with First Tennessee Bank is being reported as closed by the XXXX credit bureaus. I have been making payments on this account for over ten years ( last six months of statements are enclosed ). In XXXX I filed a complaint against First Tennessee Bank with the CFPB ( case # XXXX ) stating that my account was not being reported to the XXXX bureaus. XXXX XXXX XXXX responded by letter for First Tennessee Bank dated XXXX/XXXX/XXXX ( letter enclosed ) saying that they would take care of it. I disputed this response because although First Tennessee Bank started reporting the payments they still reported the account as closed. This is the current situation. The bureaus are reporting the monthly payments ( over {$2600.00} a month ) but still report the account as closed. On XXXX/XXXX/XXXX I contacted First Tennessee Bank 's Customer Solutions Department and asked to speak with XXXX XXXX but was told she does n't talk on the phone. 

I have disputed this account with all XXXX bureaus, even faxing in my HELOC statements while also pointing out that they are reporting the monthly payments but still reporting the account as closed. This has affected the average age of my accounts that affects my credit score. In XXXX I made the last payment on a six-year auto loan and the account was closed. The next month XXXX XXXX dropped my credit score XXXX points as my average age of accounts dropped to less than six months. This has affected my ability to refinance my HELOC which is in it 's repayment period. 

The timeline of this account started on XXXX/XXXX/XXXX when I opened this HELOC with First Horizon Home Loans, a division of First Tennessee Bank N.A. On XXXX/XXXX/XXXX the servicing of this loan was transferred to XXXX XXXX XXXX, XXXX ( letter enclosed ). The HELOC was then transferred back to First Horizon effected XXXX/XXXX/XXXX ( letter enclosed ). A letter dated XXXX/XXXX/XXXX informed me that First Horizon was now First Tennessee Bank ( letter enclosed ). 

ACTION NEEDEDThis HELOC with First Tennessee Bank should be reported as open with a 10 year credit history. 

Under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I have contacted an attorney who has advised me to file XXXX more complaint against the XXXX credit bureaus with the CFPB. If this situation is not remedied I will proceed and file a complaint in Federal District Court for violation of my rights under the FCRA naming First Tennessee Bank, and the XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The principal on this debt was paid directly to original creditor  XXXX   XXXX . Balance represents interest and i s three times th e amount of the loan.     It is illegal to report pay day loans to credit bureaus in Texas.       Ad Astra ignored by request to find out if they are licensed to collect in Texas.
Ad Astra s  aid they have new information on me that confirms the debt, but did not provide me with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX Equifax, & XXXX are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My address is incorrect on my credit report. I called all three national credit bureaus. Once, I was asked the security questions, in which, were answered correctly my address has still not been updated to reflect the correct address on XXXX of the XXXX leading credit bureaus. Those bureaus who did not update my current address is Equifax and XXXX. I am attaching the proper documentation to update my credit report. I would like my employer to be added to my public file also.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IL).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I submitted a wire transfer request from my bank to Coinbase to fund my Coinbase account. The wire transfer I submitted was for {$5000.00}. 

Wire transfers are supposed to post immediately. 

On XX/XX/XXXX I received an email from Coinbase informing me that they could not apply the funds to my account due to a naming mismatch. In the message Coinbase stated that it could take up to seven business days to process the refund / redeposit. It also stated that in case you do n't receive the funds within 7 days to contact them via a support email address. ( XXXXXXXXXXXX ). 

On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 
On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 
On XX/XX/XXXX I emailed Coinbase to get an update and received no response. 

On XX/XX/XXXX I called Coinbase support and after explaining the situation I was told that my ticket was going to get prioritized and that I was going to get an update as soon as possible. Now a week later, I have yet to receive any kind of update.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My client paid off his loan on a mobile home trailer in XX/XX/2017. Ditech Financial, LLC claimed to have mailed the original to the property address, but inadvertently left off the trailer number. Therefore, the title had not been received. Ditech then sent copies, where were useless, since the Department of Motor Vehicles is requiring originals. When he called to request that a duplicate original be sent to his current address, he was informed that the title had been sent the original lien holder, XXXX, located at XXXX, XXXX, LA XXXX. THIS COMPANY IS NO LONGER IN BUSINESS. Subsequent requests have since been made for the lien release and original title to no avail. The Department of Motor Vehicle is requesting the original title. Ditech refuses to send the original title to property on an account that has been paid in full. Every phone call is to a different customer service representative who is rude, impatient and armed with false information. The customer service representatives refuses to let you speak to a supervisor and claim to take notes at the time of the call. When you call back to ask about the status based upon notes taken during the last call. There are no notes in the system.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (ND).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: First of all, the loan was supposedly denied until they put me on my fiances loan. I was not working at the time so can not imagine how it would have helped. He later was unable to work for a period of time and got behind on the payments. After repeated attempts to get lower payments or to refinance the vehicle was reposessed. NOw it is killing our credit. I now work at a financial institution and in our training we have ecoa trainings I should never have been put on the loan as I was unable to pay for it. what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Medical debt) with Io, Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: - Never received written validation notice from XXXX XXXX XXXX ( XXXX ). 
- XX/XX/XXXX_ Received a text and email from my credit monitoring company that there had been a change on my credit report. I checked online and XXXX had placed a collection notice.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE Finance. XXXX XXXX. {$290.00} Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Bank account or service (Checking account) with U.S. BANCORP (NV).
Issue: Account opening, closing, or management

Complaint: The US Bank have FAILED to respond my complaint filed on XXXX/XXXX/2015 within a reasonable time having all the financial record 's information on their files about my checking account 's overdraft coverage terminated without notice and the 400 minutes telephone calls recorded by the Bank which are sufficient information for the US Bank to respond to the Consumer Financial Protection Agency. Additionally, the US Bank 's Customer Survey of my call made on XXXX/XXXX/2015 which the US Bank offered the choice to have their customer service representative to call me back to present an apology for the abusive manner she exercise against me demanding immediate payment was not done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Credit card () with Alliance Data Card Services (NH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I applied for and was approved for a credit card with XXXX XXXX ( Commenity Bank ). I was not provided the terms and conditions at the store, being told they would be sent to me in the mail with my card. I did not receive the card, the terms and conditions or my first billing invoice. I only received the second invoice which listed a 27 % interest rate, a late fee and a monthly {$2.00} minimum activity fee. I called and immediately closed the account and authorized full payment of the account balance through the automated system. This amount was not deducted from my account, but instead a {$37.00} late fee was added and the account marked late on my credit report. I attempted to corrected this with Commenity but was told they they would not remove this incorrect information because they attempted to contact me through a phone number that I never had.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (OH).
Issue: Other transaction problem

Complaint: On   XXXX   XXXX  , I attempted to send money to a friend in the  XXXX  through  Western Union , as I have done several times during the past year, with no problems at all. I have a online account set up with  Western Union,  never a problem, till this time. The transaction was for  XXXX  dollars plus the {$4.00} fee. They take my money from my bank account, then inform me my transfer is put on hold, pending me sending them a copy of my  pic  ID and other info, thru a fax or email with attachment, I do n't have a fax machine, or a way to upload a  pic  of my ID to an email. My friend needed the money right away, so I sent it to him by    XXXX   XXXX     with no problems whatsoever, I called  Western union  to cancel the transfer with them and to get a refund to my bank account, they refuse to do it, they STILL want the  pic  ID sent to them anyway, I talked to them 3 times, and also went to a branch office to no avail, it is MY money, I want it refunded, they have stolen my money and wo n't return it. I am on a low fixed income, I NEED the refund. Please, please help me!!! The tracking number on the transfer is  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: XXXX XXXX XXXX opened an online savings account with ING in XXXX XXXX. This account was immediately linked to a checking account at XXXX XXXX XXXX. The ING account was taken over by Capital One when it purchased ING. On XXXX XXXX XXXX, we attempted to make an online transfer of {$700000.00} from the linked XXXX XXXX XXXX account into the Capital One account. On the afternoon of XXXX XXXX we received an email from Capital One that the funds were being held until we call them. They stated that the hold had something to do with a credit check they performed, which we did not authorize. We called the number in the email and were directed to a voicemail, and left a message. Later that day we also responded to the email requesting that this situation be resolved. Two days later, XXXX XXXX, I went with my controller, XXXX XXXX, to a local branch of Capital One and spent 45 minutes attempting to have them help us resolve the situation. An officer in the bank made a phone call and was put on hold, we said we will go back to the office while they try again and will let us know what happens. Upon returning to the office, we received a phone call from Capital One, I verified my social security number and date of birth as requested. The representative ( XXXX ID # XXXX ) then told me that he needed to get another department on the line. After waiting for XXXX minutes on hold. I told the representative I could not wait any longer, and to please call me back when the process was complete. He responded that if we were to hang up, the process would start over again. Not only are they holding my money hostage, they also insist on holing my time hostage in order to get this issue resolved. XXXX also indicated that the transfer was flagged randomly, and not because of the any credit check as stated in the email. I had no choice but to hang up so that I can continue to run my business, and not be held hostage by a convoluted and inefficient system present at Capital One. There was no reason for the transfer to be held up other than random chance, and there is no reason why I need to stay on hold after confirming my information while the problem gets sorted out, and my money released.

Company response to consumer: Closed with explanation