milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2016 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Late fee

Complaint: Dillard 's I had a {$0.00} balance in XXXX, bought XXXX presents in XXXX which totaled {$120.00}. Payment is due XXXX/XXXX/16. Logged into my account to pay the bill on XXXX/XXXX/16 and it showed " No Recent Transactions '' but a balance of {$150.00}. I called to ask why the {$25.00} difference and was told " The system automatically puts a late fee on your account, if your payment is n't made by the due date. '' I said, " But today is the due date, it 's not late until after XXXX ( It was XXXX ). " If I was n't paying attention, I would have paid you an additional {$25.00} that I do not owe you. '' Then she told me " that 's how the system works '' and got very short with me, so I hung up. Bottom line, Dillard 's is charging a late payment on an account that 's just due today. It does n't seem legal to assess a late fee to an account that is still within the payment due date window. I always pay directly to the Dillard 's site, by my due date. It makes me question how many other times I 've been charged a " late fee '' when I was well within my payment window. Their " system '' should not be tacking on a late fee until after XXXX on the date due. 
**Also, there was nothing on the statement that shows the addition of a {$25.00} charge or what it 's for, it just got added to the balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address : XXXX, XXXX, XXXX and XXXX XXXX XXXX is the wrong name listedXXXX XXXX XXXX XXXX XXXX, TX XXXX is the address I 've never lived at or used as a mailing address. 

Personal Information Errors : Wrong name listed and Address I 've never lived at or used as a mailing address. 
This information is on my credit report and it is incorrect. That is not my name and it never has been and I have never used that name. The address is incorret as well, I have never lived or been to that address. I have never lived in XXXX tx.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/26/2018 about Debt collection (Other debt) with ERC (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The week of XX/XX/XXXX I sent the credits bureaus letter about ERC on my credit and ERC sent me copies of bill statements but they fail to validate that I owe them a debt. They did say any any documents with my signature or document stating I was responsible for owing this debt. Also the bill statement ERC sent shows a balance of {$2000.00} but updates on my credit reports every month as {$1800.00}. This debt was removed from XXXX did n't it was n't enough validation but XXXX and XXXX  updated saying Meets FCRA Requirements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Checking or savings account (Checking account) with CHARLES SCHWAB CORPORATION, THE (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check on XX/XX/XXXX via mobile deposit with XXXX XXXX XXXX. The check was from XXXX. I was not told when it would be available. I contacted the institution on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, but that I could reduce that by a day by linking an account. I did so. I called on XX/XX/XXXX and was told that the funds would be available on XX/XX/XXXX, and that linking the account made no difference. On XX/XX/XXXX the funds were still not available. I called and was told that since it was a new account, funds would actually not be available until XX/XX/XXXX. After I pointed out that the depository agreement did not state this, I was told that the problem was actually that they were unable to verify the funds on a XXXX check ( from the financial institution ), and that the funds would not be available until XX/XX/XXXX. I have been given multiple reasons why a check from a different bank can not be credited to my account, and a multitude of dates as to when it will be available. I want this money credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I was supposed to receive an escrow check from this company. I sold my house on XX/XX/XXXX. XX/XX/XXXX and I still had not seen a check. I called them on XX/XX/XXXX and they told me it was mailed out on XX/XX/XXXX. I have received all kinds of mail form them but no check. On the XXXX a gentleman told me that he would stop payment on the old check and have them issue a new check, to wait 5 days. If I did not see a check by Saturday XX/XX/XXXX then to call back. I called back on XX/XX/XXXX and the lady told me that the gentleman had mad a mistake and put the check back in escrow! After a long conversation with her she said that her supervisor agreed to have the check sent next day air to my address. She also said to call back on XX/XX/XXXX and they would have a tracking number. I called back on XX/XX/XXXX and the new lady said the check was still in process of being issued and that it would take about 2 weeks for me receive this check. I settle on my new house on XX/XX/XXXX and this is money I was going to use for the down payment! Now I may lose the new house and all they can do is say sorry for the inconvenience. They flat out lied to me from the 1st phone call, I asked to speak to a supervisor and they kept transferring me to different departments. This company dose not know the 1st thing about customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Fair collections and out have reported inaccurate information to experian, this information has caused serious damages to my lifestyle. I have sent proof that this information is inaccurate but experian refuses to delete this account. I am being charged for living in an apartment from XXXX/XXXX/15 to XXXX/XXXX/2015 after my lease ended. I have sent proof that shows that this information is inaccurate. I have attached copies of proof that we ( XXXX XXXX and I ) moved and signed new leases on XXXX/XXXX/2015. This needs to reviewed and corrected immediately.

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 08/16/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had a home looan with US bank. they were the " second '' position.I ended up becomin permanently XXXX and tried and tried to get a loan modification with them but they took months and months, emailing me, but NEVER gave me an answer. the first mortgae. XXXX, was just about to forecloose so, I had to do a short sale. I wonder why US bank didnt offer me a loan modification??? this was back in XXXX the escrow closed on XXXX XXXX XXXX. I sure miss my house. also.. I thought green tree was supposed to give me " relocation assitance '' but they say no, because it wasnt a " short '' wit them. they say US bank would owe me the relocation. soo.. I would like the relocation fee and an answer as to why they NEVER modified my loan?

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 01-11-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (AK).
Issue: Money was not available when promised

Complaint: I wired {$3000.00} usd on XX/XX/XXXXto my gdax account. Everything I read on coinbase.com and gdax.com said that wire transfers were credited same day. There was no indication there would be a delay in processing at this time. This was misleading. I do n't remember exactly when but a few days after my wire XXXX says there may be delays in wire processing ( even now XX/XX/XXXX Coinbase.com says they have cleared the back log although they clearly have not ) XX/XX/XXXX Case # XXXX I submit a request to support, I receive a generic computer generated response. This is acceptable for the first 3 days in my opinion. Its been 3 weeks almost to the day, my money has not been credited to my gdax.com account and I have not received any other responses. I am extremely upset about not receiving a response from a real person who could lend some information and help me. This is unacceptable from any business, especially a money transmitter. 

Summary NO Customer Care at all You are rolling the dice with coinbase/gdax hoping that everything goes right I would not recommend this XXXX XXXX or exchange to anyone right now ( browse the XXXX /coinbase, I am far from the only person with this experience )

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This company ( ERC  )  obviously got this item from the last bogus collection agenc y (    XXXX   XXXX   XXXX   (  XXXX  ), Case number :  XXXX  ) I filed a complaint with your office on   XXXX   XXXX   XXXX    . They have been calling and harassing for over  3  weeks. A few of the numbers they are calling from are :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , and  XXXX   XXXX   XXXX   XXXX . There are many others. They robo dial my home and cell phone numerous times a day.   Heres what I intend to do : If this bogus company sends this on to another collection, I will file suit against them for doing so. If they continue to do harassing calls, I will file suit.   When they got my information from  XXXX , they saw the documents I provided showing  XXXX   XXXX   XXXX  having been paid in full by a copy of the refund check made out to me for my overpayment of my final bill. This shows true malice on ERCs part.   I think a jury will reward me for taking someone like this off the market who obviously harasses people thinking they have a legal way to extort money from them.   Thank you Consumer Financial Protection Bureau for helping document how these companies work, as this only helps us when we sue them. The judge doesnt like that we have to use the government-tax payers money to stop crooks like this either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: As of XXXX XXXX, 2016, I went to XXXX of XXXX XXXX, NJ to purchase as used vehicle. I was introduced to the XXXX XXXX vehicle that I am currently driving now by XXXX ( the dealer ), he introduced the vehicle as one with no problems, and WITHOUT AN " AS IS STICKER " on the vehicle, implying that the vehicle would be under a form of warranty. 
As of XXXX XXXX, 2016, I went to the dealership to fill out the forms to purchase the vehicle with the manager, and I was swarmed with documents that I had to sign, but later I realized that there was no CAR FAX document to give a history of the condition of the vehicle. Since then I have been calling them to get a copy of the CAR FAX, and I have been getting the run around because since I purchased this vehicle, which has only been one year and three months, I have had to pay over XXXX in repair fees, for parts on the vehicle that should n't be in need of repairs in such a short time. Also there was no AS IS sticker on the vehicle, so I was under the impression that I was under a form of warranty. I then had a professional mechanic inspect the chassy of this vehicle and discover that this vehicle has suffer major water damage, AS IF IT WAS IN A FLOOD. So in summation, I paid XXXX, as a down payment, on a vehicle that was listed at XXXX, but with all of the newly discovered damages, like THE DIFFERENTIAL TRANSFER CASING, MUFFLER PIPE, AND THE FOUR WHEEL DRIVE AXIL, note : items that a newly purchased vehicle should be in need of repair, Is only worth less than my down payment amount. And yet I still have not got a CAR FAX statement on the history of this vehicle, and with the documentation I was given with this vehicle there is no AS IS sticker, nor was there one posted on the vehicle when I first looked at the vehicle. Yet I was told that the vehicle was a purchase AS IS, and there is no warranty, after i discovered damage to the vehicle. All together I spent XXXX out of pocket for a used vehicle in which throughout the nature of the loan I still owe XXXX. THIS IS NOT FAIR ... ...

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 01/25/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/XXXX. 
I recently had my loan transferred over from XXXX XXXX who Ive been working with to achieve a loan modification. On XX/XX/XXXX XXXX XXXX representative advised us that our loan modification packet was deemed completed and it was sent to underwriters for review and could take up to 30-days for the review. Next thing I know I receive a letter from SPECIALIZED LOAN SERVICING, LLC saying that they are the new loan servicer while I was still in the loan modification review and with no response from XXXX XXXX regarding the review. SPECIALIZED LOAN SERVICING, LLC said that they sent out their welcome letter on XX/XX/XXXX. Once I received the welcome letter I quickly put together a request for mortgage assistance forms and all necessary documentation to have a complete packet and mailed it out on XX/XX/XXXX. SPECIALIZED LOAN SERVICING, LLC said they have received all my documents on XX/XX/XXXX. A representative at SPECIALIZED LOAN SERVICING, LLC advised us that they will not review the request for mortgage assistance due to the sale date being too close and that they would of needed 45-days prior to the sale date to be reviewed. 45-DAYS FROM XX/XX/XXXX IS XX/XX/XXXX. I was not even aware that my loan was transferred 45-days from the sale let alone given any time what so ever to have a chance to be reviewed for a loan modification. SPECIALIZED LOAN SERVICING, LLC does not care about me or my willingness to work with them and achieve a loan modification, pay my mortgage and live a quiet life for once in a very long time. SPECIALIZED LOAN SERVICING, LLC are not willing to work with us at all, they are scamming me of my chance for a loan modification. All SPECIALIZED LOAN SERVICING, LLC want to do is sell my home. I feel like XXXX XXXX and SPECIALIZED LOAN SERVICING, LLC strategically transferred the loan so that the time frame would put us in a 45-day before sale bracket and not allow us even a shot at a review. This was done to just sell my home away. 
On XX/XX/XXXX I was in review with XXXX XXXX. 
On XX/XX/XXXX I received a welcome letter from SPECIALIZED LOAN SERVICING, LLC. 
On XX/XX/XXXX I mailed out my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX SPECIALIZED LOAN SERVICING, LLC received my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX is my foreclosure sale date. 

If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.

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 03-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My identity was stolen in XXXX and on XXXX XXXX someone ordered a phone and service with XXXX XXXX. I filed a police report with the XXXX XXXX. I have made numerous calls to XXXX and to Equifax and the Credit Inquiry is still showing on my credit report, now more than 90 days later. I can not get either company to remove this inquiry off my credit report. Equifax tells me XXXX must do it ; XXXX tells me Equifax must do it. I need this removed. This is very stressful as I have to continue to call both companies and find no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AL).
Issue: Deposits and withdrawals

Complaint: wells fargo bank is blocking me access to my account/money & has since XXXX. 
XXXX store manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, al XXXX she blocked all access to my own money after i reported her for not knowing how to activate an instant debit card. she retaliated against me for reporting her, and told me to call loss prevention & therefore, they told me they she told them to block my from getting my money out of the bank. me & my children have been starving and without for 2 days now because of this banks actions. i want access to my funds immediately! Also, yesterday they printed my balance & i have a paper receipt of : {$4400.00} Open XXXX ( R ) Savings Total {$4400.00} Activity Summary Current Posted Balance & today my account went down somehow by balance of : {$4300.00} ANONYMOUSLY, AND WHEN I DIALED THE XXXX THE OPERATORS WERE ASKING FOR MY ONLINE BANKING USERNAME & PASSWORD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (IL).
Issue: Problems when you are unable to pay

Complaint: My husband and I went through the miles program to finance a vehicle in XX/XX/XXXX. My husband is active duty XXXX We went on paying through our military allotment for over a year. XXXX day it was shut off with no notice at all while my husband was XXXX. Next thing you know, we are XXXX payments past do and up for repossession. I called them asking what this was about and they said they no longer do payment to through mypay. I was n't able to catch up. We have XXXX children and there was no way we can pay all of that up front. We started paying as much as we could but no matter how much we payed, they would take off and continue to put on the repossession status. To this day, we are still behind on these payments to but we took our vehicle in to see the worth and they had over charged us for this vehicle to start. Adding on all these random fees. We need help and I do n't know who to go to. We paid for a XXXX Kia Sedona in XX/XX/XXXX with the miles program and it was set at XXXX XXXX. We are still paying to this day and it 's still around XXXX XXXX we owe.

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 09/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My loan has been in deferment since XXXX. I am a XXXX, full time XXXX XXXXt, and XXXX % service connected XXXX. This year, especially over XXXX, XXXX, and XXXX XXXX, certain loan amount have doubled or otherwise increased, and been reported to credit agencies. I have submitted requests for deferment and for 2 years was making payments on my loans with no decrease. My loans are not supposed to increase during deferment and enrollment full time, and I have taken no other loans which would compound current amounts. This change is fraudulent and the fees are exhorbitant. One of the loans increased from XXXX to XXXX in the space of one month. This is unacceptable and I demand Navient and her subsidiaries correct this error and adjust the fees as federal statutes outline.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, XXXX, I received a default letter from the bank telling me my loan was in default for my failure to make a payment on XXXX XXXX, XXXX. They told me I had 30 days to pay the past due amount of {$120000.00}. I called them to ask for an itemized breakdown of the amount demanded because it seemed ridiculously large. ( i.e. how much was for principal and interest payments, how much for late charges, how much for escrow charges, etc. ) I also asked them how they could demand money from me for payments I allegedly failed to make more than 5 years ago. They told me they would send me a written explanation within 30 days. I never got a response despite several follow up phone calls. After several months of waiting, I went to an attorney who wrote a letter to them XX/XX/XXXX asking them again for an itemized breakdown of the amount they were claiming was due. They sent my lawyer a bunch of paperwork ( note, mortgage, payment history ) but never explained how they came up w/ the {$120000.00} amount demanded in their XXXX XXXX letter. I then filed a complaint with the CFPB ( Case No. XXXX ) for their failure to respond to my repeated requests for an itemized breakdown of the amount they claimed I owed them. They wrote back to the CFPB and said they sent a response to my complaint to my attorney. They did not. I then filed a follow up complaint w/ the CFPB today because they did not send my attorney any response to my complaint. Then, to my surprise, I received another letter from the bank on XXXX XXXX, XXXX. This letter demanded {$88000.00} and said I defaulted for failing to make my payment due XXXX XXXX, XXXX. If they knew I had an attorney XX/XX/XXXX when they responded to my CFPB complaint, why did they write to me directly on XXXX XXXX, XXXX? Also, how am I supposed to know how much to send them to reinstate my loan when they send me completely different amounts to cure the default and with different default dates? Furthermore, they have never explained to me how they arrived at either amount ( i.e. {$88000.00} or {$120000.00} ). I have been trying to bring my loan current for years but they keep giving me misinformation. I am fed up with this. I am a XXXX citizen ( XXXX years young ) and I deserve more than just " form '' letters telling me to pay money without any explanation as to how they arrived at these crazy amounts.

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