milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I was into a trial period of a SECOND attempt to make my Mortgage affordable. I declined and consequently I fail into the previous mortgage leave me with a debt of {$1100.00} which I paid on XXXX/XXXX/XXXX. It was split as follow {$1100.00} for the trial period plus XXXX on the payment for XXXX. All payment that I had made are trough a Home Preservation Specialist and all the time I had been told that the amount that I did is to make my loan current which never had happened. On XXXX/XXXX/XXXX I have a new mortgage agreement as I will sent to you. It is called Re-cast/Re amortization which become effective on XXXX/XXXX/XXXX. I paid XXXX on XXXX/XXXX/XXXX. I paid XXXX in XXXX/XXXX/XXXX. My account activity today XXXX/XXXX/XXXX asked for {$1600.00} due on XXXX/XXXX/XXXX. My lender has been inconsistent placing my mortgage on the improper status. And lock of communication between departments. XXXX things happened at the same time ; ( 1 ) The XXXX Home affordable plan change from 3.5 % to 4.5 % on XXXX/XXXX/XXXX were also ( 2 ) I had a XXXX trial period declined for me. ( 3 ) On XXXX/XXXX/XXXX I had approval for new recast agreement Bank has not be enable to figure out how remove from de XXXX trial period ; adjust interest rate from previous mortgage plan. Deduct principal according to payments that had made. Since XXXX XXXX I have receiving XXXX statements by month. Last time that tried to setup automatic payment I was transfer to collection department

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Well Hello! 



my name is XXXX XXXX XXXX and I am a consumer at Wells Fargo Bank. In XX/XX/XXXX I started to notice a few unauthorize transition and immediately filed a claim on this matter. XX/XX/XXXX and XX/XX/XXXX was just horrible for me. Not only did i see a boat load of unauthorized debit transition but many many atm withdrawal with my account. The claims department told me to fax over documents and police reports so we could put a stop this, order new debit cards, and that still didnt solve the issue. My online info was stolen as well. roughly 6k is uncounted for and Wells Fargo is sending me through the wringer for it and blaming me for my account being fraud5. They not only embrass me and family their branches, but they reverse all the claims and closed my account due suspicious activity. In result all of this my daughter boy was the one who stole everything from me including vauble items out my home over the holidays. He admit to stealing my debit card out my purse at night and put it back in before i would wakeup in the mornings to law enforcement. my money is stuck in limbo and Wells Fargo Loss Prevention is so unprofessional and lack customer services. They refuse to continue the invesgation and claim they have atm footage of the suspect. I can't pay my bills this month of all the reversal credit claims out my accout. Please stand with me and let 's resolve this together. 


with love XXXX

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 07-01-2015 about Debt collection (I do not know) with Ability Recovery Services, LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been communicating with this collection agency about a debt that does not belong to me. After following up with phone calls and letter correspondence, i have yet to receive a reply. I am asking that this dept to be removed from my credit report immediately and for Ability Recovery Services to provide proof that the dept is removed. I am willing and ready to pursue legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (MS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: On XX/XX/2016, I contacted XXXX XXXX with Commonwealth regarding a medical bill from a car accident that is still in litigation. I provided my attorney contact information and the Insurance contact for the Responsible Party. XXXX XXXX was rude and unprofessional threatening me with bad credit if i did not pay debt that i am not responsible for. XX/XX/2016 I reviewed my credit report the debt has been reported inaccurately. 
I spoke with XXXX XXXX XX/XX/2016 again to only be disrespected, threatened and lied to regarding my account. He also stated he did not report my account to the Bureau. I am in the process of purchasing a home and this has placed me in a very difficult financial position.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the 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 12/19/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Wells Fargo generated a message indicating that my mortgage payment was past due despite having paid the mortgage via an online transfer the previous business day. The availability of these funds was immediately deducted from my account. This notice resulted in me hastily making a second payment in error. Upon contacting Wells Fargo they indicated that there was nothing they could do ( even though it was an internal transfer ) to stop or reverse that transfer. I would either need to call back the following business day or they could reverse out the payment from the XXXX, but it would be 3-4 business days to be processed. 

The second payment was a result of their inaccurate notification.

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 05/19/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This company is charging me XXXX which is n't the correct loan price. My loan amount was XXXX. I have paid XXXX. On my credit report Green tree Servicing LLC, PO Box XXXX, XXXX XXXX, SD. XXXX. ( XXXX ) is reporting my loan as new to keep it open. this loan have been a charge - off on XXXX with an account paid in full. This account was opened XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problems caused by my funds being low

Complaint: Ihave notice that suntrust is paying all big items that come in first, no matter when it came in and the charging me XXXX dollars for all of the smaller items. which is causing me to overdraw my account a lot this past week. i had XXXX small charges the were made way before the large transaction and was charged XXXX times

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Took a a parent plus loan for my daughter back in XX/XX/XXXX and I was given the option WHILE she 's in school to have it deferred, she was in school for XXXX years and little did I know having this deferred that the interest charges were being added to my loan. I had like XXXX or XXXX loans out of the XXXX years. XXXX then told me consolidate all the loans into on which I did and all the interest were also added on to the consolidation. The loan kept growing as I did n't know why, back in XX/XX/XXXX I was told I had to consolidate it again from XXXX to the new loan company Navient, there was more interest added on to my loans to where it is now at XXXX my payments were extremeley high and I kept calling them and letting them know I could not afford these high payments and also asked them if they can lower the interest rate, I 'm thinking maybe my payments will be lower if they lower the interest rate of XXXX %. again I was told NO they ca n't. I have pleaeded on the phone with them and made them aware I ca n't pay so much. No one would listen. Last year I was talking to someone in customer service and they suggested I file for the income-driven repayment plan, which at the time sounded good, little did I know I was going in further to the hole, the hole I can not get out of, anywasy the dropped my payment to {$610.00} and to find out they were tacking on {$1100.00} a month on interest that is why my loan balance now is SO HIGH. I wish I would have been educated on how these loans actually work, had I known that putting your loan on defferement was going to hurt me and my credit I would have never done this, I would have made payments from the very start, and also when I had to do the consolidation they offer that I put my loan on hold for XXXX days while making arrangements will all the documents and such well yes more interest, this is so wrong. I need help, I do n't know what to do anymore. I am giving my money away to this company Navient and my balance is growing, I was also told that at XXXX years of making these payments my loan was going to be forgiven. Does this make sense? Forgiveness? My duaghter went to XXXX schools the first XXXX being XXXX, XXXX, CA and the XXXX XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Mortgage (Home equity loan or line of credit) with ZIONS BANCORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My home equity line came due in XXXX 2015. I 've had the loan for 10 years. I was not given notice or warning that a balloon payment was due. It was n't until I saw that my credit score going down did I realize that my bank considered me delinquent on this loan. I have continued to make payments on the line, but because of the derogatory credit items that they have placed on my credit report, I am no longer credit worthy to qualify for a new loan. Today I received a notice that my loan was in default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have several inquiries on my credit report from XX/XX/XXXX through today. 
At one point I got them all taken off and now they are back on? Please help. What can I do. Here are the ones that have been removed and now are back on. 
XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX I do n't even know what some of these are?? Please let me know what I need to do. Thank you.

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 01/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This concerns case XXXX. We contacted you to let you know that someone at Wells Fargo named XXXX has agreed to review our case again. Today we received a load of documents from Wells Fargo. All the responses given to Consumer Financial by Wells Fargo is false twisted information. It was Keep Your Home California who advised us to contact Consumer Financial Protection Bureau on the State and Federal violations by Wells Fargo. Now Wells Fargo is retaliating for us going to Consumer Financial for help. All the Bank has been saying is very confusing because it does not make any sense. We received Federal help through Keep Your Home California and now Wells Fargo is using the funds as a severe weapon to manipulate us. XXXX XXXX from Wells Fargo got upset because we are using the word blackmail to describe their actions. But we know of no other word that describes what they have done to us so far. All the mixed up information that Wells Fargo has confused all agencies with, we happen to have a paper trail of documents from Wells Fargo themselves that show proof of their illegal activity and their continuous lies and contradictions. Wells Fargo is illegally threatening us with foreclose as we are now in modification. If they attempt to foreclose it will be the second time they break California State law that says a Bank can not foreclose while someone is in the process of modification. But that is no problem with Wells Fargo as they had simply said the first time they done this, " We take no responsibility '', we suppose they will say the same again in total disregard of the law. We do not know what Wells Fargo wants, nobody does! We have fully cooperated to the best of our ability to do what Wells Fargo asks but no one knows what Wells Fargo wants, not even Wells Fargo. We have asked for our rights from Wells Fargo in this case and have been constantly denied. Would Consumer Financial please ask Wells Fargo exactly what is it they want. This has gotten totally out of hand by Wells Fargo. Please advise how we could liberate ourselves from these inhuman representatives of Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 06/26/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I made a wire transfer from one of my accounts to XXXX ( a crypto currency platform run by CoinBase ) at around XXXX EST on XX/XX/XXXX. According to their website, it should have gone in on the same business day if the request was made before XXXX PT. I made it on time but it 's been 3 weeks now and no money is in my account. I received confirmation from the account I sent the USD from that the wire was successful so this is strange to me. I contacted CoinBase through their support channel and made a case after a few days of still not seeing my money and have followed up every few days since then ( over 6 times ) with no response. I have contacted them on XXXX, via XXXX on their support page and through other forums and STILL have not gotten a response. To me this feels like they have stolen my money or it has been lost somewhere and I have n't got any validation. Please help if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: I was working with Freedom Mortgage on a mortgage refinance. Every time I was asked for information, I always responded with 24 hours of the request. After not hearing anything for quite some time, I reached out to my loan processor to ask for the status. He stated my loan went dormant because they were awaiting a csubordination with the title company. Due to internal priorities at Freedom Mortgage, loan refinancing takes a backseat to new purchases. My loan was not a priority for them and it clearly showed. To make things worse, I received an email ( not a phone call ) from my loan processor 3 weeks after my loan had been closed stating that I need to reapply.

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 10-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX I sent Diversified Recovery which appears on my credit report a dispute verification letter which states I 'm Deragotory, I owe {$270.00} am in collectins in reference to a XXXX XXXX acct XXXX. As I was checking around my previous credit reportI came across on XXXX dashboard the XXXX has been under enhance and XXXX/XXXX/XXXX removed XXXX XXXX XXXX/XXXX/XXXX was removed that is XXXX.Now I see is Diversified Recovery.I thought the accouunt was alrerady removed from the XXXX credit bureau XXXX, XXXX, XXXX of XX/XX/XXXX.The correspondence I received XXXX/XXXX/XXXX was a lettter acknowledging my dispute a back last bill page that I owe XXXXBill period XXXX Bill date XX/XX/XXXXbut no validation, proof or contract.I sent out a XXXX dispute letter to diversifiedafter 31 day and they sentmethe send tim.e aroundon XXXX the same letter and last bill page all they did was put a different date.on the credit report Diversified Revovery is re-aging this XXXX acct. as first opened XX/XX/XXXXor XXXXon XXXX reported XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, and XXXXXX/XX/XXXX. I have checked XXXX and Score sense ... .Is n't this a Violation? I THINK SO!!! I have had XXXX from XX/XX/XXXX until now

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Debt collection (Medical) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Business & Professional ServicesXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX {$65.00} # XXXX XXXX {$29.00} # XXXX XXXXXXXX XXXX I have attempted to have the above Collection Company ( CC ) , Business & Professional Services verify the XXXX above accounts they were reporting to the XXXX ( CRA ) , Credit Reporting Agencies XXXX , XXXX and XXXX, as being mine. Since the CC was NOT able to validate the XXXX debts within the XXXX days allotted, XXXX and XXXX DELETED them. CC continuously fails and is ignoring my requests to produce documentation from XXXX and XXXX, that I received services, what the services were and that they are authorized to collect on their behalf. This is despite the approximately XXXX requests to the CC and the CRA, XXXX, to investigate. based on lack of verification, they still continue to report these XXXX accounts. Because they are so small, I almost wanted to just pay to delete, but decide that this CC has to follow the laws like the others. I have asked the CC for their documentation from the original businesses ( XXXX XXXX XXXX ), that I received services and what services and to prove that they were assigned to collect on their behalf, from me. All the CC did was send a letter stating ; the accounts were mine. That is NOT adequate proof and they know that. I am listing the dates below of who I have either called, emailed or written in regards to these accounts. I would also like to find out how to pursue damages from either parties for violating The Fair Credit Reporting Act. 
XX/XX/XXXX filed dispute with XXXX-no responseXXXX/XXXX/XXXX emailed CC-no responseXXXX/XXXX/XXXX offered to pay reduced amount for deletion, just to get rid of-no responseXXXX/XXXX/XXXX CC sent me a letter stating that accounts " are valid ''. 
XX/XX/XXXX filed complaintXXXX/XXXX/XXXX complaint closed before I could verify CC addressXXXX/XXXX/XXXX emailed CC to verify acct-no responseXXXX/XXXX/XXXX offered 70 % off payment to delete-no responseXXXX/XXXX/XXXX wrote dispute letter to XXXX showing copies of deletion from XXXX and XXXX-says they do n't base their findings off of other CRA findings-I thought they were suppose to share info. 
XX/XX/XXXX file new complaintPlease help me!! 
They need to produce documentation from XXXX and XXXX that I received services and that they are authorized to collect on their behalf. 
THANK YOU!!

Company response to consumer: Closed
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I was on the Harp program with Citimrtgage and I got behind and asked for help in adjusting a payment for two months and they refused. I appealed the ruling and they placed me on Harp 2 which resulted in my loan being saved by XXXX XXXX. Throughout the process of re mod I paid a trial payment but Citimortgage put negative late payments on my credit while I was paying the trial payments. I want these late payments removed from my credit adapt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: First National Collection Bureau Inc made a settlement offer of {$210.00} for a debt collection totalling {$540.00}. I have paid this settlement and the Cresditor refuses to mark this debt as settled in my credit report 30 days after payment as promised. Instead it was left open as being an unpaid debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation