milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-06-2017 about Mortgage (FHA mortgage) with STONEGATE MORTGAGE CORPORATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX XXXX, XXXX # XXXX gave me a pre-approval letter. I never communicated with XXXX XXXX. My real estate agent did all the communications with XXXX XXXX. I found out later that my real estate agent is a con. I just realized that XXXX XXXX  and my real estate agent connived in producing a fake pre-approval letter to make me believe that I have no problem buying a house.
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I do not know anything about buying a house. I trusted my real estate agent. I believe XXXX XXXX was paid by my real estate agent to have the pre-approval letter. I do n't even know that I should be given TILA-RESPA Integrated Disclosures ( TRID ). XXXX XXXX should be fined and his license should be cancelled. My real estate agent is now washing her hands and she is claiming that she does not know anything about loans and XXXX XXXX did that on his own. Please investigate XXXX XXXX and find out how did he write a glowing pre-approval letter without a loan application.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2015 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (CT).
Issue: Loan servicing, payments, escrow account

Complaint: Original mortgage through XXXX XXXX Mortgage XXXX. 
Received a NOTICE OF SERVICING TRANSFER on XXXX informing me that the right to collect mortgage payments was being transferred to Lakeview Loan Servicing, LLC XXXX XXXX, XXXX effective XXXX XXXX, 2015. 
I called and spoke with XXXX XXXX Mortgage during the last week of XXXX to verify that they would not be automatically taking the mortgage payment out ( since I had automatic payment with them ) for the XXXX payment and instead to issue payment to Lakeview Loan Servicing. 
To date, I have not received any written or typed communication from Lakeview. The first communication I did receive was a single phone call at night on Tuesday, XXXX XXXX, 2015 at XXXX, and that was just an automated message telling me to call back the same XXXX number the automated message was calling me from, but during business hours. 
I have called back that XXXX number twice now, XXXX times traversing their automated-menu to try to reach a customer service agent, and XXXX times the system hanging up on me before connecting me to a customer service agent. The automated message also gave me a website to use ( XXXX ), however I am unable to use this website unless I have a Loan Number, which I have not been provided. ( I only have the original Plaza Home Mortgage Loan Number, which is not valid within Lakeview 's system ) On the original NOTICE OF SERVICING TRANSFER received from XXXX XXXX Mortgage, there was an address and different XXXX provided. I have called this number twice as well attempting to contact someone, and both times, get hung up on by the automated system before actually connecting with a person. 
On XXXX XXXX it 's listed that " your new servicer must deliver a transfer notice not more than 15 days after the effective transfer date. '' - This has not happened yet. I have had ZERO communication with Lakeview besides automated systems. 
I understand that on http : XXXX it lists that there is a 60 day grace that they can not charge me for a late fee or treat the payment as late, however I do not trust this new company at all given their astonishingly poor handling of the transfer so far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/25/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Hello I have asked Experian on XXXX different time to investigate the FRCA 609 FEDERAL LAW act in which clearly states that me the consumer have the right to asked them to provide me a copy of my original signature and documents on XXXX different accounts they have failed to provide me with any of the accounts they keep sending back to me its been verify I have yet to see anything. right now they are in violation of the fcra section 609 / 616 and 617 fcra act! I wanted to file a complaint XXXX One bank XXXX XXXX XXXX XXXX XXXX XXXX ALSO ALL credit inquires that

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 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is in reference to two complaint file with the CFPB ( Please see attached, I try to submit the notes below via " feedback '' however I kept getting the error message that the page was not found.   Complaints #  XXXX  and   XXXX   Both companies alleged to have sent the results summary was sent to of you for review On    XXXX   XXXX     2017,  However as of toda y   XXXX    2017 I h  ave never received anything from   XXXX   o r Capital. The y have validated the debt with  XXXX  without providing any supporting documents. As listed on the complaint files, my mailing addresss is :   XXXX ,  XXXX     XXXX   XXXX   XXXX     XXXX , CA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid off XXXX derogatory on my report and they are still showing up.I have contacted the issuer of these account 's an they say it is out of there hands since they were sold off to a collection agency

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 07/13/2016 about Mortgage (Conventional fixed mortgage) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Settlement process and costs

Complaint: I have a loan with Springleaf Mortgage Services Inc.At this time I am selling the property and closing was set for XXXX/XXXX/2016 the closing attorney has requested finial pay off for this loan but Springleaf has refused to give that information to the attorney.They have ask for a written and signed request from myself to be faxed to them before that information will be released that was done and faxed to them by the closing attorney they still refused to give that information their excuse is they have not received a fax so as of now it has been faxed to them 4 times.Yesterday the written form was taken to their branch office faxed from there to their corp.office and then scaned and loaded into their system while a XXXX XXXX was talking to corp. she then asked if they would fax her the pay off so this loan could be closed out But they refused to give her that info also.A supervisor from their corp office talked to me over the phone and i was advised that this takes time and it could still take several more days to be processed as of XXXX today they are still trying to say they have not received the fax and form.How can that be when it was faxed from XXXX of their offices and the man from corp. acknowledged the fax went through.So I would like to know how they can do this and keep charging interest each day and that be legal? Please help do something so i can get this taken care of and that no one else will have to got through this stress and mess.I may loss the offer to sell because the bank may drop the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-02-2015 about Consumer Loan (Vehicle loan) with GFS II, LLC (FL).
Issue: Shopping for a loan or lease

Complaint: There is an open car loan in my name from 2005. It is showing open with a balance of {$24000.00} and XXXX credit limit XXXX Payments XXXX Past due. I called this company Gateway Financial for 3 weeks requesting they fax me a letter stating I have no car loan an to please fix my credit through them. I have n't received no phone calls, every time I call I get the same response " the credit department is n't in today ''. I am at wits end on what else to do to rectify this issue with them. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Key 2 Recovery, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Attended XXXX University XXXX in XXXX 2014, under the impression by accepting the " financial award letter '' that my schooling would be taken care of by a student loan. However, then this past XXXX, they began demanding payment in full. Including taking my XXXX tax refund. They have now began calling from the debt collector and I have asked for an attorney to assist me. I attempted contact a couple times via email, and had no success. The latest email from XXXX, and XXXX, had been pretty blunt and straight forward a blow off. On entering the school originally, I know that other students personally had problems with Al in financial aide returning or acknowledging communication. Had I been able to affor books this last year I would have went back, but was unable to. Amen I did not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo listed a mortgage account on my credit reports. 
I contacted them to be told that they had nothing in their system under my name, SS #, address etc. and that I should dispute via credit reports. 
I disputed the tradelines. 
They verified them as correct. 
I have never been able to get any information out of them or to even admit the accounts are on my credit reports. 
Later, a different lender pulled my credit. 
I called them to find out why. 
They also claimed not to have my info in their system, but told me if their name was on the inquiries it means I was on a list of loans they bought that had been in foreclosure. 
I told them I never had a loan go into foreclosure-they had no answer.

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 12-10-2016 about Mortgage (FHA mortgage) with Franklin Credit Management Corporation (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Franklin Credit refuses to do a modification. Reason not given. Left voicemail messages with XXXX, loan specialist, who has not returned any calls.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: Coinbase is disabling buys for zero reason on millions of accounts. Asking for verification then never responding or enabling peoples accounts again. They are a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 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 called XXXX today around XXXX and spoke to a gentleman. I advised that I was a victim of Transunions Inquiriy Issue and I needed specific inquiries removed. The inquiries I advised need to be moved are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto 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 of XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 07-09-2015 about Debt collection (Credit card) with CITIBANK, N.A. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm receiving 3+ phone calls a day from this number after having already spoken to someone about payment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: I have an account on www.coinbase.com. 

On XXXX XXXX, 2017 I contacted coinbase.com support with the following observation : " I just noticed that {$2000.00} were withdrawn from my bank account and deposited to my coinbase USD wallet. I did not initiate this deposit. '' In response, rightly so, Coinbase assumed my account was hacked and they put a hold on my account. Shortly afterwards, I went through my old emails and found a confirmation email from Coinbase, of me initiating the {$2000.00} transfer. That jogged my memory that I did in fact had requested that transfer. It usually takes a few days for the actual funds to be retrieved from you bank account. And I just forgot about it during those few days. 

Realizing that there was nothing wrong and I simply acted prematurely in contacting Coinbase support, I responded to the email describing what happened and asked support what steps I can take to unlock my account. 

This is where the problem started. All communication stopped from Coinbase support, after that first email where they notified me that my account was being put on hold. Like all other customers I waited patiently for a few days but then started to get worried. Emailed support again. Tried to reach them on phone. Tried to reach on XXXX. Nothing worked and I am still locked out!

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: citi mortage continues to harass me. I previously filed a complaint about citi mortgage calling me 2 days in a row even after I made a payment arrangement today XXXX/XXXX/2016 I call in to citi mortgage at XXXX and made my mortgage payment after my payment was made citi mortgage called me at XXXX XXXX XXXX XXXX and XXXX .. again all of these calls were made AFTER I made my payment. I have a call log to show proof of these harassing calls.. citi mortgage continues to subject me to harassing phone calls and I am sick of it.. a cease and desist letter is NOT the proper way to handle this issues.. CITI mortgage needs to update their dialer system to make sure that a customer is not harassed after a payment is made and their account is current .. this is absolutely ridiculous

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 08-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I notice that my payment that I submitted to Discover Card on   XXXX   XXXX  , 2017 ( the due date ) is now being considered a late payment and I have been charged a late fee of {$27.00}. I do not believe I should be receiving a late fee since there was no mention on my online account page that my payment of {$57.00} had to be received by a certain time (   XXXX   Eastern Time ) on the due date. The only time you find out your payment is late is after you click the " Make Payment '' button. I would appreciate if your agency would look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have XXXX inquiries on credit report some from XXXX more than once a day. I have sent letters to Equifax letting the know they are not mines but remain on report. please have them moved.

Company response to consumer: Closed
Consumer complaint received 11/30/2016 about Debt collection (Medical) with Revenue Recovery Corporation (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: DISPUTED ALL MEDICAL ACCOUNTS WITH XXXX, XXXX. I HAVE XXXX MEDICAL COVERAGE. MEDICARE PART XXXX. ALSO XXXX. ITEM 'S WAS REMOVED. REVENUE RECOVERY CORPORATION FROM XXXX XXXX. PLACED ALL DISPUTED, INVESTIGATED, REMOVED ACCOUNT ONTO XXXX REPORT WHERE NEVER REPORTED BEFORE BECAUSE I DISPUTED PROPERLY THROUGH OTHER XXXX BUREAU 'S. SOME ACCOUNTS ARE NOT MINE. MG CREDIT CORPORATION SHOWS REPORTS FROM " XXXX XXXX XXXX IN XXXX, XXXX. NEVER BEEN. ACCOUNT NOT MINE. I SHOULD HAVE NOT BEEN BILLED FOR MEDICAL. INACCURATE COLLECTIONS. REVENUE RECOVERY CORPORATION DOES NOT SHOW PHONE NUMBER FOR CONTACTS AND DISPUTES. NEVER RECEIVED DEBT COLLECTIONS FROM REVENUE RECOVERY CORPORATION. ALSO. TRYED SEVERAL ATTEMPTS TO CONTACT AND DISPUTE INACCURACY TO XXXX. XXXX KEEPS DENYING ME MY FREE YEARLY CREDIT REPORT. I HAVE WRITTEN, CALLED, E-MAILED AND CANT GET REPORT. THEY KEEP SAYING MY INFORMATION IS WRONG. THEIR INFORMATION IS WRONG.

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 01-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Diversified Consultants, Inc., XXXX, XXXX, FL XXXX sent a debt collection letter, XXXX/XXXX/XXXX, with 30 days to dispute debt. I tried unsuccessfully three times, XXXX XXXX, XXXX, XXXX, leaving two voicemail with contact name and number for a XXXX, XXXX, XXXX, along with calling XXXX. How can a consumer dispute the validity of a debt when there is no interaction from this company. As of this writing, I sent an email and will send a letter per USPS. 

Per XXXX, t am being charged for equipment which was returned, XXXX/XXXX/XXXX, XXXX, cashier XXXX, receipt XXXX, account XXXX, serial number XXXX, model TH, charged {$90.00}. 

Billed one month in advance by XXXX, service stopped on XXXX XXXX. XXXX, owing only 5 days of service. Since XXXX billed me one month in advance for service, I do not owe, in fact XXXX double-dipped with the first two of my initial billing, owing me : XXXX, {$86.00} XXXX, {$58.00} Billing dates overlapped by four days.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Debt collection (Other debt) with EOS Holdings, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a {$36.00} balance in collections with EOS CCA from a XXXX XXXX XXXX account. First, I did not start receiving bills until XX/XX/XXXX when I lived in Texas and after several communications with EOS, it turned out that this was from an old Ohio address from XX/XX/XXXX. And at that point, I had spoken to XXXX XXXX in Texas and it was confirmed that we had a {$0.00} balance so I had thought this was taken care of. We were never notified that this was from Ohio. I then tried to dispute the {$36.00} with the credit bureau which was then unresolved. When working with a mortgage lender, I found that this account is impacting my credit score by more than 20 points. Finally on XX/XX/XXXX I called EOS and paid the {$36.00}. I now currently have a $ XXXX/closed account with EOS and XXXX XXXX. When speaking with EOS, I asked them that since the account was closed and paid in full and it is impacting my credit score so significantly, if they would delete the account from my credit report. They refused. I spoke with managers and associates more than 4 times in the past 3 weeks trying to resolve this because it is such a small account and there was so much confusion. I was never notified of the important details of this account from EOS, thus I do not feel that it should reflect on my credit report. If the {$36.00} was valid, I could have paid it years ago. I then spoke with XXXX XXXX directly on XX/XX/XXXX via Chat and via phone. This was the date that XXXX XXXX informed me the account was from XX/XX/XXXX. On this day, a woman from XXXX XXXX submitted a ticket to EOS asking them personally to remove the account from credit because she agreed that for this little balance, it needed to be removed all together. Then on XX/XX/XXXX, I called to check in on the ticket and was told by a gentleman that the ticket just asked for a {$0.00} balance when she has specifically agreed to submit a " Deletion '' request. So this gentleman then submitted a " Deletion '' request. He apologized as well, also agreed this was ridiculous and said he would do everything he could to help with EOS. After submitting THIS ticket ( I have this ticket number he provided to me ), I called EOS back. I asked EOS to review the XXXX XXXX ticket to get this deleted and they refused to even look at it and said " we do not delete and your account is closed ''. Bottom line, I am trying to get housing for my family and this {$36.00}, although paid in full, has been an ongoing issue that I really need help with getting resolved. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Trans Union fa iled to correct wrong information on a public record, a N Y State in come tax lien causing me to lose a {$10000.00} a month contract and is now o  n Public Assistance and about to be evicted.
  XXXX   and  XXXX  corrected the information and removed the Lien on   their reports since  XXXX     2017  howeve r Trans Union r efused to do so.   The amount reported is incorrect, the address was incorrect, there was no Social security # identifying me.   This has ruined my family 's life.   I understand that as of  XXXX   XXXX ,  2017 , this information will no longer be reported.

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