milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/15/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I tried changing my due date over a week ago ( 7 days roughly ) prior to my due date. I have automatic withdrawal scheduled on my due date. The CSR told me I have to cancel my automatic payment online only and change my due date online only. She did not tell me it had to be at least XXXX business days before the due date. Today, 3 days before the due date, I 'm told by a floor supervisor ( XXXX branch # XXXX ) 3 business days may not even be enough. Sometimes they will still auto withdraw the payment from the account, there is no guarantee it wo n't. Also, they can not manually cancel the transaction, even if they contact their " payment processing '' department they can not do it. I struggle with this considering the size of the organization, that they can not manually put a stop to a transaction when the payment is not even pending. Also, the terms and conditions do not mention that " potentially '' it may or may not hit your account. The terms and conditions are only available via a small link you have to click and read, the web page itself does not present or require you to read them before you accept the automatic withdrawal. You can easily, accidentally skip over the link and continue the setup of your automatic withdrawal payment. Needless to say this entire payment process is unfair and deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: My clients home is up for foreclosure sale on Tuesday XX/XX/XXXX ( THIS TUESDAY ). It is on the court 's docket. 
The loan apparently transferred servicing from XXXX XXXX XXXX to SPS effective Wednesday XXXX ( tw days ago ). 
We are unable to dicover the status of loss mitigation application as XXXX XXXX XXXX can not open their records due to the transfer and SLS has no record of it in there system per my call this afternoon! 

Attached are the serviving violation detailed specifically. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with Statebridge Company (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Statebridge Company or one of it 's employees cashed a check for {$3100.00} that was sent to them to be applied to my escrow account. I have called daily since check was mailed to them and have been told they had not received it. The check was issued by XXXX ins and they confirmed today that they check was cashed XX/XX/2016.After speaking with XXXX different representatives and I confronted them with the fact that they had, indeed cashed the check I request to speak with customer service manager and was instead transferred to the insurance department. They have refused to respond to my written request to apply funds to my escrow account as request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: The bank closed my account unexpectedly my payroll check was deposited into that account it 's been over a month and I have not received it

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/2016 I was trying to shop around for a new apartment. I had my credit report pulled and I discovered that someone has been using my name for medical service and have utilies in my name. I filed a police report and started a investigation. I have the following items reported to the local authorities ( XXXX Police Dept. ) My Name and SS was used to open several accounts for business or services. There was a Medical bill from a XXXX XXXX # XXXX, XXXX XXXX I never received service in XXXX . There is a XXXX XXXX XXXX # XXXX for a XXXX account that I never opened. There was a XXXX XXXX XXXX XXXX # XXXX I have never done business with this company. XXXX XXXX system # XXXXThere was an account opened at XXXX XXXX XXXX not XXXX account. XXXX XXXX XXXX # # XXXX for a XXXX XXXX XXXX I have never lived at the address listed I do not know who is using my personal information at this time.

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 08/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other service problem

Complaint: My account was locked and I 've been emailing coinbase support for the past 2 months with no response from them. The last email was a week ago and no response as well.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (VA mortgage) with SUN WEST MORTGAGE COMPANY, INC. (MD).
Issue: Settlement process and costs

Complaint: In XXXX of this year, I refinanced my home. My existing Bank at the time was XXXX and they took my money in escrow and paid my taxes as the transfer was taking place between banks. The new mortgage owner ( SunWest Mortgage Company, In. - NMLS ID XXXX ) also paid my taxes with the settlement money that was established for paying the taxes. This escrow from XXXX was supposed to be returned to me.Since XXXX had already used my escrow to pay the taxes I requested that SunWest pay me the money that the Tax Collector returned to them. Since XXXX, SunWest has lied and mislead me concerning the return of this money. I started making my planned payments to SunWest including the prescribed taxes in XXXX. What can I do about getting my entire escrow back?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Credit card debt) with Vinci Law Office, LLC (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have two separate accounts through a debt collector Vinci Law Office LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX. Two different account numbers, two different contracts. I have paid close to {$1000.00} to Vinci Law Office LLC for the auto loan account which I had a monthly agreement to pay {$120.00} monthly. 

I called to settle my other account with them. A credit card amounting in {$520.00}. 

THEY ARE SEPERATE ACCOUNTS ON MY CREDIT REPORT. 

At first they stated they only had one account with me, than they indicated they linked the AUTO loan and CREDIT CARD together. 
They refused to settle my credit card payment in full of {$520.00}. 
They are Refusing my money. Denying me the right to settle just one account my credit card account. 
They also are saying I need to make a larger monthly payment for my auto loan, which was court ordered at {$120.00} a month. 
I have been trying to get ahold of the supervisor XXXX XXXX. I called multiple times, left multiple voicemails. No one will speak with me in the office. I have emailed multiple times to separate people. 
No reply. 

Emails I contacted with no response 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 non-monetary relief
Consumer complaint received 03/20/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Never requested this inquiry. Dont even know what it is

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Other debt) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I contacted MERCHANTS & MEDICAL CREDIT CORPORATION INC on XX/XX/XXXX reguarding a collection they put on my XXXX  credit report for {$120.00}. I told them i dont owe them anything i never signed a contract with there company for anything and if they do have proof of me owing them a debt to please foward all information of validation to me as of XX/XX/XXXX the company has refuse to respond to my request. On XX/XX/XXXX they sent a verification to XXXX  saying the debt is mine but refuse to provide and proof that it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2016 about Mortgage (Other mortgage) with MCLEAN MORTGAGE CORPORATION (VA).
Issue: Application, originator, mortgage broker

Complaint: We dealt with McLean Mortgage and XXXX XXXX was our loan officer. We had to pull out of our contract and loan to buy a home due to personal emergency reasons and with that being said, instead of respecting our decision, she took the matter into her own hands by calling my husband 's Human Resource department multiple times asking about his job security. XXXX XXXX was in no position to do this. This was not her place to do that. By her doing this, she made my husband 's life at work a lot tougher and much much worse than it was. XXXX yelled at my husband and cursed at him and told him that he was full of XXXX and that we were both acting childish. This is not how you speak to another human being, let alone a XXXX woman. She also said, '' why do n't you just get the house, and if your husband loses his job, after a month or so, just get a new one! '' By her telling us this, this lady should not be a loan officer anymore because this tells us that she has written up many loan applications to people that ca n't necessarily afford it, has no integrity and she degrades people and is absolutely awful to the clients.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent XXXX XXXX XXXX a letter XXXX XXXX2017 requesting validation of an account listed on my credit report. They signed for this letter XXXX XXXX, 2017 at XXXX XXXX They never responded to my letter. So on XXXX XXXX, 2017 I sent them another letter that they signed for XXXX XXXX, 2017 at XXXX XXXX informing them they failed to respond in a timely manner and advising them they violated Federal Law by not responding and not providing viable evidence bearing my signature. They responded finally 33 days after first letter was sent. XXXX responded with a letter dated XXXX XXXX, 2017 stating they found that account was correct. They did not provide proper evidence bearing my signature showing I have an obligation to pay them the amount they are reporting on my credit report. They have been advised failure on their behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against their company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I sent XXXX XXXX XXXX a third letter XXXX XXXX, 2017 that they signed for XXXX XXXX, 2017 at XXXX XXXX I have tried three good will attempts to resolve this incorrect information that is being reported on my credit report however XXXX has continued to ignore my requests. I filed a complaint directly against XXXX XXXX XXXX through CFPB portal X/XX/17 and BBB, however XXXX XXXX XXXX has refused to respond to complaint issued through CFPB. As of today X/XX/17 they have not responded to CFPB as per the rep named XXXX that I spoke to via phone call this morning. I have attached all proof of correspondence with XXXX XXXX XXXX and any responses from them. I addition to refusing to provide valid evidence XXXX XXXX XXXX did not furnish the credit bureau XXXX with the required disclosure, within the period required by law. XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for on XX/XX/2017 at XXXX XXXX. I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure with XXXX within the required 30-day period.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Struggling to pay mortgage

Complaint: in XXXX we ask bank of america to refinance our loan to get a lower mortgage payment banker by the name XXXX XXXX at bank of america was helping us got the mortgage down and bank of america dismissed him so i kept calling and calling till finally time went by and i became behind on my mortgage XXXX years total XXXX dollars no way we could catch that up if someone would have answered my call this would have not happened we filled bankruptcy in XXXX for this house there was no way we could get that kind of money the bankruptcy cleared the dept of this house was granted nothing but mortgage statements was sent to me from that point on i thought how are we going to pay that then they sent a loan modification we been paying for XXXX years i think its wrong the bankruptcy cleared us now were paying more than the dept we was cleared for that 's not fair bank of america knew the dept was cleared we did n't know we were bamboozled bank of america never sent anything pretaining to this house far as to leave or turn the house over to them we would have turned it over we did'n know the attorney said the house and dept was cleared we were not responsible. The payments were not recorded to the credit bureau either XXXX years.

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 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested validation of bankruptcy reference # XXXX on my credit report from Transunion and Transunion sent me a letter stating that they verified the bankruptcy record through XXXX XXXX. I contacted XXXX XXXX and requested a report of everyone who has requested my public records and Transunion Credit bureau was not listed as one of the ones who requested validation or verification of the public record. See attracted report for validation of my claim. 
Therefore XXXX has never requested validation and has violated the FCRA by not provided me with viable validation bearing my signature to validate that this public records belong to me.

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 04/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My complaint is against Navient. I was co-signer on my daughters college loan from XXXX XXXX in 2003, my father was the primary borrower. I have been paying this loan on time since my daughter started college. XXXX XXXX sold to Navient and now I am being harassed for missing payments and late charges. I have faxed bank statements showing every monthly payment that is made through my bank. My father and daughter have since passed away but I still continue to pay this loan. Every month I receive a letter and when I call I get a different answer each time I have asked them to stop harassing me as it upsets me considering my daughter and fathers passing but they continue to call and send letters. I can not afford an attorney to stop this from happening and do not know what else I can do. They are now threatening to send this to the credit bureau. I would appreciate any help you can offer. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  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 non-monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Several different agents call harassing me on my job at home, I advised them to contact my attorney. the company went bankrupt and SOLD the DEBT to portfolio recovery services which is a collection agency. the law states a company ca n't go bankrupt then sell the loan to a such company .I 've contacted them several times to remove theses items from my credit report. I have n't any success at all. so I 'm requesting your swift attention.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Ditech Financial LLC F/K/A XXXX XXXX XXXX XXXX XXXXooking to start foreclosure action against me when they inaccurately changed my mortgage payment and interest rate. Payments they were requesting for months that payments were already made to them. Also, I was n't sure who to legally make payments to because my loan was refinance with XXXX XXXX XXXX. 
This loan was reassigned so many times with different lenders. 
Also, I noticed constantly on XXXX, information is being inaccurately reported by different servicing company. My understanding is that XXXXXXXX XXXX XXXXXXXX, filed bankruptcy and I am not sure what 's going on with my note and which bank legally owns this note. 
I am requesting for this company to be investigated in regards to their claim regarding my mortgage note if they legally own it. 
They send me incorrect information on my mortgage payment and I am not sure what 's going on if they legally own this note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Debt collection (Non-federal student loan) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Continued to call and try to make contact with debt collector. They continue to take messages and claim the agent is on another call. I contacted them to try to make settlement so i can purchase my house and my time is running.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.

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