milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/13/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Several years ago, when my children were very young, I lost my job a the XXXX because of a RIF, ( Reduction in Force ). We had already moved to a larger house and I was trying to sell the older, smaller home when I was laid off. I fell behind on the payments. The Bank was not happy, but I worked out an agreement to catch up the payments, ( borrowed money from family ) and the Bank sent me a letter. That letter said I had to catch up the past due payments in full by XXXX XXXX, 1992 for {$2700.00}, which I did. I have the letter and the Bank receipt. I soon found a job and I put the house up for rent as started making the regular payments again the very next month. 
Well, what I did not know at the time, was that the Bank, XXXX, had been acquired by XXXX XXXX, later to become Wachovia, and then Wells Fargo. Whoever it was, they refused to acknowledge the written agreement set forth in the letter that they sent, returned my check and started foreclosure. I had a significant amount of equity in this property and for whatever reason, they continued with the sale of the property on the steps of the XXXX County Courthouse. When I got advanced notice by certified letter, that forced me into a Bankruptcy. Well, that did n't stop them. They sold the property on the County Courthouse steps anyway. And too bad for them that Federal law trumps State law, they had to reverse that sale. It was ugly. 
The Bank was not happy. I was now dealing with XXXX XXXX, one of the biggest Banks in the country and they were extremely hostile. When I came out of my Chapter XXXX payment plan 3 years later, they went right back to their old ways and refused to make a proper accounting of my loan balance. They could n't. They had lost control some how. They refused to acknowledge the correct balance. Enter my second Chapter within months of my first Chapter being discharged. That too has been discharged. I pay my debts if given a chance. 
In my view, I had a written agreement with the Bank to bring my payments up to date. I met the terms of that written agreement. I still have those documents. I can not begin to explain the problems this has caused for me and my family. I believe it was a fraud and an attempt to make a quick sale of my property because it had a significant amount of equity. Because I was forced into XXXX Bankruptcies, this has cost not only time and money but also in my ability to gain adequate employment. 
I tried years ago to sue the Bank for this Fraud but there was nobody willing to take on a major Bank, until now.

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 10/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have paid over $ XXXX this year and my balance does not drop because when I pay additional above my payment the company will not apply it to the principal balance. Even my mortgage company does not do this. How am I ever supposed to pay the loans off when I 'm paying $ XXXX in a year and see no reduction in my balance? This is a predatory lending practice and should not be allowed - especially with student loans. NelNet is the company my loans are with right now. They refused to apply my extra payment amount differently or provide a refund so I could apply it to different debt.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Vehicle loan or lease (Loan) with SECURITY NATIONAL AUTOMOTIVE ACCEPTANCE CORP (LA).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: XX/XX/XXXX I contacted SNAAC to let them know that Ill be getting out of the XXXX and was trying to see if I can lower the payments. They never responded back to my voice messages. XX/XX/XXXX they repossessed my car. A few months later they sent me a letter stating that they auctioned off the car and I owe a remaining balance. I paid off the remaining balance of {$8000.00}. Around XX/XX/XXXX or XX/XX/XXXX, a sheriff came to my house with some paperwork stating that I still owe a remaining balance of {$8000.00}. If I dont pay it then theyll start garnishing my wages. XX/XX/XXXX, the sheriff came back with a court date. Im confused because I paid the {$8000.00} but theyre saying that I havent paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Source Receivables Management LLC (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A few years ago i switched from XXXX to XXXX I paid the final bill and in fact kept the account open just in case i owed any amount of money I even contacted XXXX and told me that this collection was not true and that i Did Not owe XXXX any money I have told them several times about this I have also called XXXX I would like this company and this debt off of my credit record ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit card () with BARCLAYS BANK DELAWARE (MA).
Issue: Billing disputes

Complaint: Barclays charged me for a late fee for a card I never applied for or ever used. 
I had an XXXX XXXX XXXX XXXX card I used. I had used the card on a transaction for {$27.00} in XXXX. I paid XXXX XXXX when my bill came in as I always do. Never late. 
Unbenounced to me, XXXX XXXX had switched these cards to Barclay. Barclay issued me a card, which I threw away. They assumed the charge and then added a late fee. 
I never authorized Barclays to send me a card, I never made a charge with them and never owed them money. I paid my bill on time. 
I got a bill from Barclays for late payment. This was actually equal to the amount owed {$27.00}. 
I called Barclays, cancelled my card and challenged the fee. They jept me on the phone, trying to sell me products but never addressed my issue. 
I would like to know how a company can sign me up for a credit card and then charge me late fees for money I never used from them. I never activated the card or used it and I paid my bill on time to the company I made the charge with.

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 01-09-2018 about Debt collection (I do not know) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contact this company on several occasions. The first time I was told I was n't in their system. ( If they were unable to verify me how can the verify that the balance is valid ) The second time, I called they were able to locate me in the system and were suppose to follow back with me after speaking with the orignial debtor. I never got a call back. Third attempt, I 'm still awaiting a call back from a manager. I have also attempted to dispute with the original debtor but they indicate they no longer own the alleged debt and must contact the collection agency. The collection agency, I do not have a contract with. No, the balance is n't correct ; I never attended classes there.

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 02/27/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I lost my job and fell behind on my mortgage payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Other

Complaint: Capital One sold an alleged account of mine to XXXX XXXX XXXX in the amount of {$600.00} stating that I had become delinquent on the alleged account in " XX/XX/XXXX ''. After talking with XXXX XXXX whom bought the debt and getting no clear answers, I asked that the debt be verified. XXXX sent a letter back with account number " XXXX '' as well as an amount of {$600.00} which stated I owed. 
I personally contacted Capital One to find out more about this debt on XX/XX/XXXX and XX/XX/XXXX and was told that the last payment was made in " XX/XX/XXXX '' for the amounts of {$15.00}, {$65.00} and {$50.00} all alleged made in XX/XX/XXXX. I let the agent know this is totally false since the bank account ending in " XXXX '' which the alleged payments were debited from was permanently closed before XX/XX/XXXX. The agent stated that this account is mine and payments were made from this account. I agreed with him that account # XXXX was my account but no payments was ever made from this account in XX/XX/XXXX. Payments were however made from my bank account ending in XXXX to my original Capital One account ending in XXXX several years prior to XX/XX/XXXX. My original Capital One bill has been paid in full for years which clearly shows that on my credit report. 
I was then told the payments were also debited from " XXXX Bank '', which is a bank I have never done business with. After much conversation with the agent and getting nowhere I stated I would take other measures to get this false information off of my credit record. He then stated that " XXXX XXXX '' know owns the debt. This may be true however ; " Capital One '' mishandled vital information which is causing me undue stress because of their mismanagement of records. I am asking to please help me. This is not fair that every time my credit is pulled I am defamed by false information Capital One knowingly put in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PNC Bank N.A. (IN).
Issue: Other service problem

Complaint: My bank is supposed to send my recent transactions to my   XXXX   XXXX   account. But has yet to even contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Mortgage (Conventional fixed mortgage) with FIRST HOME MORTGAGE CORPORATION (MD).
Issue: Loan servicing, payments, escrow account

Complaint: First Home Mortgage transferred the servicing of my mortgage to XXXX Bank. This has created two problems : ( 1 ) First Home Mortgage never informed me about this transfer before my payment is due, and ( 2 ) XXXX Bank says I owe more for my mortgage than the documents that I signed with First Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I have debts on my credit report from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.

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 09/27/2017 about Debt collection (I do not know) with Alliant Capital Management LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: This company has called my job threating me and leaving very naughty messages on my voice mail. This has happen a number of time, not only are they calling my work number they are calling my cell phone. XXXX XXXX XXXX is the person that is calling. I am not sure who it is for or what company he is calling about. On XX/XX/XXXX he called mentioning that he has my home address and verified my employment that was completed by some one on my job. No one here has told me that they completed a Verification of employment for me. The phone number that he is calling from is a local number but tell me to call back at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Fraud or scam

Complaint: I sent a wire transfer of {$27000.00} on XX/XX/XXXX, to Coinbase/XXXX. As of XX/XX/XXXX, it has still not been credited to my Coinbase/XXXX account and it has also not been refunded to my bank account. 

I filed a ticket with my bank ( XXXX ) on XX/XX/XXXX to have the wire recalled. Since that date XXXX has sent more than 20 messages to Coinbase 's bank and none of them have received a reply. 

I have also filed online tickets with Coinbase 's support ( case ID : XXXX ). After waiting several weeks, these inquiries have all received a form-letter response, after which my support ticket was closed. I have re-opened the ticket requesting more information, but have received no response. 

According the form letter, my wire was apparently rejected. The form letter says that all rejected wires " will be returned to the originating account after several business days ''. 

It has been more than 1 month since my the wire was sent, and there is still no sign of the funds being returned to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (Medical) with Collection Consultants of California (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Collection Consultants have reported XXXX medical collections on my credit report that should not have been reported for several reasons. 1- I have insurance and the medical bills were 100 % covered by my medical insurance. Any bill that would have not been paid XXXX 100 % I did not agree with and I would have disputed. 2- I was never notified that they were attempting to collect a debt. Collection Consultants made NO EFFORT at all to reach me and validate these XXXX minor medical collections. I have lived at the same address for several years and have received no correspondence from them at all nor any verbal communication. As they never validated this debt they do not legally own the debt and to not have a right to report something they do not own. I have had the same phone # for 15 years. This is in violation of both FCRA and the Fair Debt Collection Practices Act. 3- they NY Attorney General has settled with the reporting agencies regarding medical collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Many XXXX XXXX phone calls with 3 conversations with their representatives ( latest conversation was on XX/XX/XXXX ) explaining that the debt they are trying to collect is a result of identity theft and all required documentation was submitted to both the original creditor : XXXX XXXX XXXX and current creditor : XXXX , XXXX. The documentation included credit cards with XXXX XXXX that were in good standing with proof of address, FTC identification theft affidavit and City of XXXX incident report regarding identify theft were submitted on XX/XX/XXXX.Thereafter, no calls were received. However, since XX/XX/XXXX, started receiving phone calls. XXXX XXXX said the bought the outstanding loans from the XXXX , XXXX. Then, I received another letter dated XX/XX/XXXX from XXXX XXXX stating that XXXX , XXXX is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with Patient Accounting Service Center (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: received a letter dates XXXX/XXXX/XXXX an attempted to collect a debt send a request for validation of debt XXXX/XXXX/XXXX request ignored and received a second threatening letter for the same debt XXXX/XXXX/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 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I just recently received an email by XXXX XXXX ( which is the outlet I check my credit score on occasionally ) and it had notified me that my credit score had gone down. No body wants to hear that, especially when you 've been trying to bring it up and stay up. There I had noticed some " hard inquiries '' which I had no information on. I looked it up and there had been several of these " hard inquiries '' throw out this year. I never noticed that these credit card and cable companies had run my credit with out consent. So I am here asking to please reach back so I can get the proper education and instructions on how to prevent this from ever happening again or even getting it off my report. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: On XX/XX/XXXX, Loancare, LLC disbursed {$840.00} to my homeowners insurance group, XXXX. On XX/XX/XXXX, I notified Loancare that they had over-paid the XXXX, as the premium had dropped by {$160.00}. I asked that they perform an escrow reanalysis to ensure that I am not continuing to over-pay into escrow. I followed-up in XX/XX/XXXX via telephone to ask if the reanalysis was performed, and they stated that I needed to fax a copy of the new premium, which I faxed over the next morning. I called again at the beginning of XX/XX/XXXX to understand where we were with my request. They stated that although they had received the document and the new premium was updated on their side, the " Insurance department '' had not given them the OK to make adjustments. They stated they would need another two weeks. At the end of XX/XX/XXXX I called again, this time pointing-out that the County taxes had also gone down by {$83.00}, and that adjustments had not been done on their side. They stated that they were still reviewing, and that their Insurance department was still holding-up my homeowners renewal. Again, they needed another two weeks. I contacted their office at the beginning of XX/XX/XXXX and demanded to speak with a supervisor, as they had done nothing to rectify the situation. The Customer Service Representative advised that her supervisor was in Florida, and that she had passed the message along. I advised that I needed a call regarding this matter no later than XX/XX/XXXX or I would file a complaint with both the CFPB and the Pennsylvania Attorney General 's Office. I advised that I should be called directly on my mobile phone, but no one has called to date. I have also checked the account as of XX/XX/XXXX, and adjustments to the payments have not been made. I am over-paying {$240.00} per year or a total of {$20.00} per month as a result.

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 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I refinanced my  XXXX   XXXX   XXXX   XXXX  was financed with  XXXX   XXXX   XXXX  in  XXXX  In  XX/XX/XXXX  , I fell on some hardship after making  XXXX  current/ok payments.I ended up also, totaling my vehicle.Became homeless for a few months, and was in between jobs.I made a payment in  XX/XX/XXXX .That was n't updated to the Credit Bureaus that   XXXX   XXXX   XXXX  . reports to.One of the criteria for   XXXX   XXXX   XXXX  .agreeing to refinance my payment agreement.I had to make a {$100.00} payment towards my previous account  XXXX . Before opening a new account with my new refinanced account   XXXX  ..  XXXX   XXXX   XXXX  .is reporting my account as a 120 days past due in   XXXX   XXXX  .When I made a payment in  XXXX  as instructed by   XXXX   XXXX   XXXX  .which took my balance down.Upon opening the new account  XXXX  that decrease is reflected on the new account.In the CRA  manual  in which the current status is clearly defined as a snapshot of the account status as of their last reporting.Which was n't reported correctly or timely to the    XXXX   XXXX   XXXX   XXXX   has a statutory requirement ( FCRA 623 ( a ) ( 2 ) ) t o update any prior reporting so as to maintain its accuracy. Their prior current status of delinquent is no longer accurate.My status should be pay as agreed/ok, closed/paid/refinanced to the following Credit Bureaus :  XXXX , and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (MT).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently obtained a copy of my credit report from Equifax. There was an unauthorized inquiry made by XXXX XXXX Bank. On XXXX and XXXX, I wrote to Equifax advising them of the unauthorized inquiry. On XXXX, I wrote to XXXX XXXX Bank asking for proof of the inquiry. To date, XXXX, I have yet to receive a response from them validating said credit inquiry, which has made my FICO score drop!

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Re : Accounting Ending XXXX ; Case # XXXX 1. Letter dated XX/XX/XXXX from Capital One ( CO ) regarding an alleged account ending in XXXX, CO stated my account was past due. See Attachment XXXX ( 2 MB ) for details. 
2. Letter dated XX/XX/XXXX I requested specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
3. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
4. Letter dated XX/XX/XXXX I requested a second time for specific account information, e.g., account statement, specific charges, total amount owed, from CO. See Attachment XXXX ( 2 MB ) for details. 
5. Letter dated XX/XX/XXXX from CO in response to my letter dated XX/XX/XXXX. See Attachment XXXX   ( 2 MB ) for details. 
6. To date, CO has yet to provide any requested information for account ending in XXXX.

Company response to consumer: Closed with explanation