milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: My name is XXXX XXXX. I am a business owner residing in California, U.S. citizen and had been the XXXX credit card holder 'Amazon Rewards ' issued by Chase Bank for a number of years now. On XXXX XXXX, 2015 I was involved in a XXXX in XXXX, California the city where I reside. As the result, my XXXX XXXX vehicle was totaled. Police arrived at the scene and I have a police report pertaining to that unfortunate event plus the witness statement to prove it. 
At the end of XXXX of 2015, I have received the bill/monthly statement from Chase Visa card and have immediately noticed charges that did not belong to me or were not made by me or were not authorized by me. I immediately called the number on the back of my credit card and I told them about unauthorized charges on my account. The bank send me the new card and apologized for what had happened. Then XXXX months later I received a demand letter for payment on the fraudulent charges. I called the bank immediately and asked why would I be responsible for those charges??? The bank said that they investigated the records and concluded that the charges were mine based on the following information : they checked my payment history record and pulled out random checks that were mailed to them for my monthly statements. One signature ( according to the bank ) matched to the signature on the fraudulent transactions that happened in XXXX, Hawaii. Despite the fact that person signed for that transactions was done by XXXX XXXX who ate at the hotel in XXXX at the same time of my XXXX and possibly made other purchases. I had an XXXX and have the Police report with pictures from the accident, my injuries, witness statement, my daughter being with me as well, legal contract with my injury attorney representing me -- -- Chase bank did not take into account believe any of it. I even had my attorney call the bank to confirm the fact that I was in XXXX, California and could not be in both, XXXX and XXXX at the same time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Back in the fall of 2015, I reached out to Wells Fargo to see what they could do to help my financial problems in being unable to make my mortgage payments. I had been unemployed and underemployed several extensive periods over the last 3 years. I asked if they could stop my payments for a period of 6 months as I felt I was soon going to receive good employment. I did at the very end of the 6 months get a good job. I reached back out to them and stated that I have employment and asked if I could get my payments restarted. This is when things changed. I was lead to believe that this was a simple 6 month period for me to get my finances straightened and then to restart the loan. Suddenly they 're asking for financial documents and talking about making an offer to my current loan. I was confused, but went along with the process. I was told I had until XXXX XXXX to make a payment, except now I 'd be a part of a loan re-modification. My offer was 40 years at my current 5 5/8 % rate and that my payment would go down $ XXXXmonth, but now my loan amount was more and for 40 years. I was pressured into agreeing to this. They said that they 'd need additional documentation in order to possibly make me a different offer. The problem is that my ex-wife is dragging her feet on a quit claim deed she needs to sign from the divorce and now I feel like I 'm stuck and Wellsfargo has not been helpful in getting me into something that 's realistic. Plus i feel like they 've been extremely vague and difficult to understand. It 's like they want me to fail so they can foreclose on me. This experience has not been nice nor professional and I need some help before they take my home. Please help.

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 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have file d two di sputes to update the following information one on  X/X/  17 an d one on   XXXX   17 - not hing has been done. Please see below as this is the information that was sent to the bureaus.  <P/> The following account needs to be UPDATED AND CORRECTED : Creditor Name :   XXXX   Account Number :  XXXX  The account being reported on my credit report is inaccurate contains inconsistencies and is misleading ; Reports are stating multiple inconsistencies that need to be addressed and corrected.    XXXX  bureaus are reporting a n Open sta tus, while while the other is reporting as derogatory, this is inaccurate this mortgage is  OPEN and needs to be reflected as such. My monthly mortgage payment is incorrect on all  XXXX  reports and should reflect a monthly payment amount of {$1900.00}.  XXXX  bureau is re porting no term which should reflect 360 months. The payment status is incorrect on   XXXX   and should show a payment status of current. The dates being reported as last active are all inconsistent.   This is a current mortgage and the dates need to be reflected, this mortgage should be in a positive status and all of my on time payments and information need to be UPDATED. Due to the inconsistencies and multiple errors being reported this account must be UPDATED immediately. You are currently violating the fair credit reporting act by reporting multiple errors and inconsistencies. You are violating my rights granted to me under the ( FCRA, FDCPA, etc ) Each error needs to be corrected and updated or I will be reaching out to the FDCPA for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I made a wire transfer to Coinbase in the amount of {$6000.00} on XX/XX/2017 from my business account. However, because the name on my Coinbase account did not match my business account the wire was supposed to be reversed. I received emails from Coinbase stating that my wire would be reversed. To this day I still have not received my money back. I have called and emailed several times with absolutely no help, not even one response from them besides automated email responses. I provided them with dates and the wire transfer transaction number. I saved all their emails and all my email attempts to get some support. My Coinbase case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other transaction problem

Complaint: I sent XXXX dollars to my wife in XXXX via XXXX XXXX. The store that made the transaction for XXXX XXXX is " XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX. the money transfer was made XXXX XXXX th XXXX. To this day the money is " missing '' and XXXX XXXX  representatives dont answer phone calls. Please help me, i need this money for medicin for my wife. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Vehicle loan or lease (Lease) with HYUNDAI CAPITAL AMERICA (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I leased a XXXX XXXX XXXX XXXX XXXX. Upon leasing I also agreed and paid for Excess Wear and Tear Coverage ( " Excess Coverage '' ) and Tire and Wheel Protection. The Excess Coverage policy covered up to {$5000.00} in damage to the vehicle. At the end of the lease term the vehicle was inspected and a Vehicle Condition Report ( the " Report '' ) was prepared and submitted by XXXX XXXX XXXX ( " XXXX '' ). The Report reflected {$290.00} in total damage, obviously far less than the {$5000.00} coverage provided by the Excess Coverage policy. Nevertheless, I received a final bill from XXXX XXXX XXXX ( dated XXXX XXXX, XXXX ) which assessed not only the Disposition Fee of {$400.00}, but also a fee for " Excess Wear and Use '' in the amount of {$290.00}. The Disposition Fee is legitimate. The Excess Wear and Use fee is not legitimate. Therefore, on XXXX XXXX, XXXX, I wrote to XXXX XXXX XXXX to advise that I maintained an Excess Coverage policy ( that I obtained through the Hyundai dealer ) that covered excess wear, tear and use up to {$5000.00} and that the bill should be corrected to impose only the Disposition Fee. I never received a response to the XXXX XXXX letter. Therefore, on XXXX XXXX, XXXX, I wrote again and provided a copy of the XXXX XXXX letter. Again, I received no response from XXXX XXXX XXXX. Instead, on XXXX XXXX, XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX demanding payment of the entire charge, including the Excess Wear and Use charge.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Continually put into forbearance, ca n't get income driven repayment from Navient

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Other service issues

Complaint: Money is transferred from Bank of America in New Jersey US to XXXX ( XXXX XXXX : XXXX ) in XXXX XXXX for {$9900.00} USD. Even after 14 calendar days money is not deposited into the destination account. Complaint is filed to trace with Bank of America and waiting for their reply and will contact them in another 3 days to check on the status

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 04-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My legal name is different than my AKA name and i am having issues connecting with the credit reporting companies to make the correction. All my credit is in the AKA name and i need Transunion, XXXX and XXXX to make corrections to my name and address

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 09/27/2016 about Mortgage (FHA mortgage) with Servis One, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: BSI Financial was the servicier of my loan after XXXX XXXX XXXX sold it tothem in XX/XX/XXXX, when I first spoke with my negotiator I told her I wanted to keep my home and since it was in default at that time, she told me it was not an option and I needed to sell my home, I was never given a chance to save my home from BSI. They would allow me to sell it but not keep it, I put on market but could not sale, they also referred agents but could not sale, but they would not even take my financial information would not send me a workout packet only told me to sale. I got a new negotiator and we would email each other, I have an email in which I ask him why was I not given an opportunity to save my home he just said it was unfortunate. I still have that email. My husband bought this home in XX/XX/XXXX and passed away in XX/XX/XXXX, my namw was not on the loan but I was left with power of attorney he signed in XX/XX/XXXX, I sent that to bank along with his death certificate and was told they would allow me to sell but no workout was given. My home has now gone to sale as of XX/XX/XXXX and went back to bank, they sent out a relocation manager asking me when would I be moving out. As of yet there has not been a unlawful detainer filed but I am sure once they are aware of this complaint they will rush and do it. I just wanted an opportunity to keep my home and I was not given that chance, I have all emails from the negotiator and I. They could never answer my question and that was if you will allow me to sale it why would you not allow me to keep it all i wanted was a chance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Medical) with TekCollect Inc. (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Tek-Collect, Inc and XXXX XXXX, Initially disclosed the wrong amount and date of the bill, and while I was verifying the amount with my dental insurance company sent this to Tek-Collect , Inc., a collection company with a very poor reputation. When I tried to pay the amount owed, I was told I could not. When I contacted Tek-Collect, I was told by the representative and supervisor that they would rather have this on my credit report to harm my credit, than actually receive the money. This is REPREHENSIBLE!!! These collection companies are more interested in harming consumers than receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Navient contacted me on one occasion and when I answered the phone, they asked for " XXXX XXXX. '' When I said they had they wrong no., the individual said you do n't know XXXX XXXX at which time I hung up. They have also left voicemail messages for someone ( who they named ) who does n't live with me, saying they are calling with reference to their student loan and want to discuss ways to lower their current monthly payments. They left return phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have an unpaid debt with XXXX. I mailed disputes to the credit bureau on XX/XX/XXXX and XX/XX/XXXX to have this account deleted from my credit and they are refusing to do so. The account number being reported to my credit is " XXXX '' but I can also see an account number that says " XXXX ''. The amount for the account is {$180.00}. I have personally called XXXX and their customer service representatives can not find any records that match my personal information. They also do not have any information that says I owe them {$180.00}. This does not make sense because the credit bureau keeps telling me that I need to call XXXX to dispute this account. How can this be possible? This is not my account and I need this to be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX 's " unsafe and unsound foreclosure practices '' and use of forged and unauthorized assignment of mortgage is being perpetrated in state and federal courts in order to pursue a foreclosure and relief of stay. XXXX has and is continuing to use forged assignment of mortgage allegedly assigned from XXXX XXXX to XXXX in XX/XX/XXXX and XX/XX/XXXX. These assignments are signed by various known robo signers as vice presidents of XXXX and XXXX to proceed in a foreclosure and bankruptcy proceeding. XXXX claim it is the legal owner of the mortgage via transfer, assignment of mortgage on XXXX XXXX, XXXX in a foreclosure complaint. No evidence was presented into the court 's record as to the claim. XXXX is not the original lender, but a debt collector, attempting to collect on a XX/XX/XXXX defaulted debt. XXXX XXXX Mortgage XXXX is the original lender and filed for chapter XXXX bankruptcy on XXXX XXXX, XX/XX/XXXX. XXXX was granted a default judgment in XXXX XX/XX/XXXX, and a relief of stay in the debtor 's bankruptcy proceeding in XX/XX/XXXX, again without any any proof of legal standing. No valid proof of note or assignment transfer, a proof of claim was not filed or any legal valid documentation offered, but the state court default judgment. 
Upon noticing XXXX 's lawyer that there was not any valid recorded documents of the transfer, or an executed assignment in the recorder of deed on XXXX XXXX, XX/XX/XXXX, an executed assignment dated XXXX XXXX, XX/XX/XXXX was filed into the record and was recorded on XXXX XXXX, XXXX. The assignment was defective and is invalid for numerous reasons. On XXXX XXXX, XX/XX/XXXX, another assignment was executed and recorded on XXXX XXXX, XX/XX/XXXX. This assignment was not a valid assignment. However, the XXXX XXXX, XX/XX/XXXX assignment is being perpetrated into the state and federal court as a valid assignment from XXXX XXXX to XXXX Bank, who was in bankruptcy at the time of the alleged executed assignment. I have attached various documents, including a letter to XXXX in regard their deceptive acts, and other pertinent documents as proof of the issues involved. Thank you for your time in reviewing documents. I hope XXXX would resolve this serious matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I 'm XX/XX/XXXX I filed a dispute with XXXX, Transunion, XXXX on the behalf of XXXX, and XXXX XXXX XXXX I got a response back saying checked by creditors.None of the creditors followed the law by actually checking the accounts correctly because they say closed do to non payment and the accounts were paid in full in XX/XX/XXXX the creditors never corrected the payment information as I ask them to neither. All three creditors are damaging my credit.

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 09/24/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I had a XXXX XXXX XXXX credit card charge off with the last activity date ofXX/XX/XXXX. Portfolio Recovery Associates, a junk debt collection company purchased this charge off in XXXX and have reaged it to reflect XXXX and XX/XX/XXXX instead ofXX/XX/XXXX. The following is listed on my credit reports : XXXX - Date Assigned (XX/XX/XXXX ) XXXX - Date Assigned (XX/XX/XXXX ) Portfolio attempted to sue me and I got an attorney and the lawsuit was dismissed, however, they continue to list the XXXX reaged account on my credit reports and respond to the credit bureaus that the dispute has been resolved. 

I am requesting that this XXXX reaged Portfolio Recovery Associates collection account that has been reporting on my XXXX and XXXX credit reports since XXXX to be removed/deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Mortgage (Home equity loan or line of credit) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Loan servicing, payments, escrow account

Complaint: Regions Bank has reported we paid are Home Equity line late XXXX times in the last XXXX months. They said they only show that they reported XXXX times that we were late and they agreed to remove XXXX of them. It has not been removed, we have had nothing but problems with them and have moved are personal banking from them some time ago. 

We paid off the line due to the fact we had a house fire at the home and are looking to rebuild. Of course Regions is causing another problem. I would just like the problem brought to a close in a timely manner and i know without the help from the CFPB it will not be brought to a close.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I received a promotional letter for my business checking account to apply for a credit card and line of credit, the problem is that it was under a name i 'm not familiarize with who is not associated with my account.
I waited for the long weekend to end ( labor day weekend ) and call the business department at Wells Fargo on Tuesday XX/XX/XXXX and asked who is that person and how her name is associated with my businesses.
The respond was that they can see the promotional letter and that after talking to the fraud department they provided me with a case number and said that the fraud department will contact me with in 48 hours. case number # XXXX The week goes by and no one called so i decided to do a follow up hoping to hear they found the error and that it was fix at the minimum and hopefully there is no fraud attempt on my account.
I called the fraud department and gave them the case number above, they said they are not dealing with this claim and that i need to talk to the businesses department once again.
so i called once more and this time after verifying with " the executive office '' i was told " we ca n't see this letter in the system '' we do n't see this name on your account and the only thing we can do is change your preference of solicitation so you will not get those letters in the future.
My respond was : the only reason i found that this name is associated with my account some ware in the bank is because i received this letter so why would i like to not get those any more. I understand that this name is not on my account but consider wells Fargo history with creating duplicates accounts and not getting a clear answer onto why this name is associated with my account in any way ( for the second time by the way - the first time i let it go thinking it might just be a glitch ) i would like some one in higher attorney to ask those questions and hopefully get a clear answers : 1. Who is XXXX XXXX XXXX ?
2. How is she associated to my business in the bank data base/account/literature?

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 03/24/2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (MD).
Issue: Making/receiving payments, sending money

Complaint: I purchased XXXX at The XXXX XXXX ( online ) using my Paypal account because they were offering a XXXX months no payment and no interest option. Paypal is now telling me that I have a payment due within 30 days even though I paid under their promotional offer.

Company response to consumer: Closed with explanation