milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/28/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to pay mortgage

Complaint: It appears Wells Fargo Home Mortgage is engaging in the prohibited practice of dual tracking while having received timely all the required documents and financial information.     I 've been sending in all required documents multiple times since  XX/XX/XXXX . I also call over the phone to verify that the documents were received.     I have received the enclosed Wells Fargo letters which are vague and do n't provide me with any information on the status of the loan modification assistance.     The CFPB issued amendments on  XX/XX/XXXX , The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections.     The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

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 02/13/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I closed my account with XXXX XXXX XXXX internet when I moved out of my apartment. Even though the new tenants were using another XXXX XXXX XXXX account at that address, XXXX XXXX XXXX apparently did not close my account as they said they had and continued to charge me a monthly bill until I noticed and called. The billing immediately stopped at an owed amount of {$300.00}, and I was told I was not responsible for the mistakenly charged amounts. Now, several years later, I received a letter from Diversified Consultants, XXXX stating that they are attempting to collect the fraudulent debt on XXXX XXXX XXXX 's behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received and email alert from XXXX XXXX, stating there were changes in my credit report, when I checked there is a collection from Midwest Recovery Systems for XXXX XXXX for {$630.00}. I do not have any knowledge of this debt nor have I received any communication by phone nor written from these people letting me know anything nor validation of debt. I demand this item to be removed from my credit report since they violated the FCRP by not notifying me of this debt nor proof of validation, and completely be removed. I have also filed a dispute with the credit report company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MA).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX I took out a loan with this company in the amount of {$XXXX}. They led me to believe that I would be making a monthly payment not every payday. They also did not provide the APR rate to me which turned out to be XXXX. This in itself is outrageous. But what really set me off was when I called customer service and spoke with XXXX on XXXX, simply asking what my account number was ( which was not anywhere on my online account either ) was told after being on hold for a very long time that they were unable to provide me with this information. What legitimate company can not provide you with your account number?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: Citizens Bank is overcharging its customer with overdrafts fees. Every time you transfer funds from your overdraft line of credit to your checking account to cover a draft, you must pay {$12.00} per transfer per occurrence, 18 % annual interest rate on outstanding balances and {$30.00} annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have previously disputed inaccuracies on my bankruptcy # XXXX XXXX such as balances, Trans Union LLC always comes back verified with no proof just name and address of court house. According to the provisions of the Fair Credit Reporting Act 609 ( a ) ( 1 ), ( 2 ). Proof should be verified physically and not through a 3rd party.

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 09-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MI).
Issue: Other service problem

Complaint: Since XX/XX/XXXX, my Coinbase account was locked and now I no longer have access to my coins / funds on Coinbase. I have 4 Ethereum on the account and 4 more Ethereum which I was supposed to receive XX/XX/XXXX / XX/XX/XXXX.  I was ( and still am ) really worried about my Ethereum and they are worth a lot of money and I paid a lot for them and plan to keep them for investment purposes. I emailed Coinbase support the first day but got an automated reply saying I should contact them at https : //support.coinbase.comXXXX so that 's what I did. I did n't get any reply so I contacted them again 35 minutes later and gave them two different phone numbers that they can call me on so I can discuss with them but they just replied saying they are working with a specialist so they can address it properly. I waited over 3 hours and I was really panicking so I contacted them one more time only to get no reply, no call, nothing. I tried to contact one of the Coinbase support members, XXXX, through XXXX that day and still no reply. I contacted another Coinbase support member, XXXX, through XXXX the following day ( XX/XX/XXXX ) and still no reply. I tried to contact Coinbase support again on XX/XX/XXXX and still no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I own a small XXXX XXXX XXXX. I have a Citi Visa Costco business card. Costco used to have Amex then the moved my account to Citi Visa. After Citi took over the account did not follow through exact terms as Amex. Right away Citi lowered my credit limit and made huge amount due immediately. <P/> In fact,  without my permission they withdrew an amount of {$21000.00} which caused me huge struggle for pay realtor commissions, employee salaries and other bills. I keep calling Citi then after couple weeks later they refund me the money. I set an amount of {$2500.00} to be withdraw every month automatically from my account so that it covers my minimum monthly payment plus little toward principal so that they wont withdraw entire amount due. Then again without my permission they withdrew {$17000.00} and put me in very stressful financial burden. I have been keep calling and after 3 weeks they refund me the money. I finally had to stop the automatic withdraw.
<P/>
I sold a land during this time and had an amount of {$10000.00} and I offered Citi to settle my account. When I proposed this in XXXX 2017 from that month on Citi without my permission raised my interest rate from 12 % to 25 % without any written consent or warning. I am trying to get help with my debt situation instead Citi making it harder to pay off my debt by raising interest rate and not wanting to settle. I have been calling every month since XXXX 2017 for a settlement offer but they keep denying it and raising my interest rate causing my balance to go up even more and more every month.
<P/>
I need help immediate and have citi offer me a fair settlement and stop doing predatory lending raising interest rate more than double without any warning or written consent.

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 05-11-2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: On XXXX XXXX, 2014 and XXXX XXXX, 2014 I submitted a dispute to XXXX XXXX at Synchrony Bank for current charges with Care Credit, the Provider is Animal Hospital of XXXX XXXX. I signed a contract with the Animal Hospital on XX/XX/2014 for XXXX for my XXXX dog. XXXX developed an XXXX which was diagnosed as XXXX. An X-ray was taken and confirmed that the XXXX that XXXX XXXX placed in her XXXX during surgery failed and because of the XXXX XXXX which she contacted during the surgery, needed to immediately be removed from her XXXX. He never offered to redo the surgery free of charge. I still have an open Care Credit with a balance of {$1500.00}. XXXX XXXX refuses to re-emburse me for the original charge of {$2800.00}. or remaining balance of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On XX/XX/XXXX, I first filed a dispute with XXXX regarding 2 bankruptcies reporting inaccurate information. It came back verified. Which is not true it is stating I filed in XXXX, NC and XXXX, NC which is incorrect as well as the date filed and dismissed. It also states that there is {$0.00} liability and {$0.00} claim which is also a reason it should not be listed on report. I also attached with the new law that passed XX/XX/XXXX that they are also not complying with. I will like both bankruptcies removed from my credit file asap due to inaccurate information. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I just reached out to XXXX regarding two issues and i could tell the representative didnt have the answers to my questions. First off, I wanted to know why my payment amount for his month says {$350.00} something and that the amount being auto-debited is quoted for {$380.00}!? I was told my IBR expired last year and thats why, which I was aware but why am I still being quoted for {$350.00} n paying {$380.00}?! Second I asked how many payments Ive made and according to the records, Ive made 38 payments but have been in active repayment since 2013. I asked how that is possible since Ive been making payments for years now?! Her answer was honestly, thats just what we have to go off of. So Ive been making payments for years now and the records show that Ive made less than 2 years worth of payments. Thats just flat out wrong!

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (MD).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: My complaint is about TD Auto Finance. First of all, they always begin their customer service calls by stating that they are America 's most convenient bank. That is a flat out lie. They do n't invest enough in customer service because it is next to impossible to get to the within a reasonable time on the phone ... Unfortunately, I financed my vehicle with these guys. Last year I was involved in a car accident. There was a miscommunication on the part of the body shop in giving me some more time to come up with the money to repair the vehicle. The body shop contacted the bank before our agreed term and TD came to impound the car around XX/XX/XXXX, 2017. The bank never gave me a call and did not notify me. I found out through the body shop that the car had been taken. I contacted the bank to find out whether I can get an extension until XXXX to pay off the amount an redeem the car. Since I had not missed the monthly payments with the bank and due to the unusual circumstances, they agreed to give me until XXXX. I gathered my money and called the bank again in XXXX to make sure that the car had not been sold and to tell them I had all the money to redeem the car. They told me that the car was being held. I proceeded to make the full payment and asked where my car was. The bank then told me that my car is at an auction two states away and I needed to pick it up! After doing some background research, I found out through the vendor that the bank hired to do the delivery of the car that they never put a " hold '' on the vehicle. The vendor confirmed that there was no record of a hold being on my car and that they delivered it to the auction. I reached out to the bank and they were not able to explain why they failed to communicate with the Vendor ... TD AUTO FINANCE is perhaps the worst of its kind. I have had many cars financed through various other financial institutions but by far this place is the worst. I am sure that there are many cases like this. Please investigate these guys, they are hurting consumers with the incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax stored secure personal information, including social security numbers, in a non-secure way. The information was hacked and top executives of the company, who were aware of this information hack, sold their own shares in the company in a form of insider trading. The hack was then hidden from consumers for over 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (CA).
Issue: Problems when you are unable to pay

Complaint: I took out an installment loan with at the time the company was named castlepayday.com / Red Rock Tribal Red Rock Tribal Lending, LLC d/b/a CastlePayday.com Customer Support support @ CastlePayDay.com XXXX for XXXX $ XX/XX/XXXX. I was unable to pay the first payment and then future payments ceased to go through my account with out a word from them. After a year passes I get a call from a mediator to collect XXXX $ and I attempt to pay the debt with them but they refuse to send me documentation first and say that the company has changed name to big picture loans, I attempted to call them today XXXX XXXX to dispute the matter and they refused to work with me. THis is a predatory lender that never disclosed extra finance charges nor attempted any communication with me to fix the matter. They however took it upon themselves to increase my due payment more than XXXX $ extra dollars. Please help me with this matter and investigate their malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit card () with BANCO POPULAR DE PUERTO RICO (CA).
Issue: Customer service / Customer relations

Complaint: I filed claim case # XXXX on CFPB addressed to Banco Popular de Puerto Rico. Banco Popular responded to that claim : " Relief We referred to the XXXX and XXXX Credit Agencies the removal of the additional inquiries to your credit report. '' I contacted XXXX and XXXX Credit Agencies today ( XX/XX/2017 ) and both of them advised me that Banco Popular de Puerto Rico had not referred any removal of any inquiries to my credit report. They advised me to contact Banco Popular so that they communicate XXXX and XXXX through their credit system the removal of the additional inquiries to my credit report. 
I then called Banco Popular at XXXX on XX/XX/2017 as suggested on their response to my claim and the agent that took my call had no clue about my claim case # # XXXX filed to the CFPB. 
I thus have no alternative but to file another claim to the CFPB : ( 1 ) To report that Banco Popular did not refer to XXXX and XXXX the removal of the additional inquiries to my credit report as promised on its response to claim case # XXXX. 
( 2 ) To bring to your atention that both XXXX and XXXX advised me that if Banco Popular would refer the removal of the inquiries through their credit communication system, the removal of the inquiries would be almost immediate. 
( 3 ) To request once again that the additional hard inquires are removed from my XXXX and XXXX Credit Reports. 
( 4 ) To report that Banco Popular was unable to assist me on the phone regarding this case in contrast to what was stated on their response. The agent had no clue about my case. He could not find it. This is unacceptable.

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 12-02-2016 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Fidelity Creditor Service, XXXX XXXX, XXXX CA XXXX. Telephone number XXXX. 

They said I owed {$1000.00} plus interest of {$110.00} for a total of {$1100.00} that I owe. This was for service from XXXX XXXX on XX/XX/XXXX and I received this letter on XX/XX/XXXX. 
XXXX has been paying my medical bills. This bill was the first time I ever received a bill for this service. I never even knew that I had a bill. Seems odd that Fidelity could send me a bill but XXXX XXXX could not send me the bill. 

So, I get this bill and then I ask for a itemized bill for the date of service and XXXX XXXX said they could not send it to me a copy of the bill since it has gone to collections. I asked collections for a copy of the bill for the money they say that I owe them and have not heard back from Fidelity as of today. 

Also, I am getting charged interest for a bill that I did not know I even had. That just is not right. 

I need assistance with this matter and some advise on what I should do. 

Thanks for the help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2018 about Debt collection (Other debt) with Source Receivables Management LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XX/XX/2018 XXXX I've tried sending documents this debt is because of identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Debt collection (Payday loan) with First Recovery Solutions, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 've been receiving calls from First Recovery Associates. They say that I defaulted on a payday loan from CP Investors back in 2013. They have my social security number and current bank account number ( had a different bank account in 2013 ). I have never applied for a payday loan. When I tell them this, they hang up on me. They will not leave me alone and I know they are trying to scam me, but still have my personal information.

Company response to consumer: Untimely response
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MSW Capital, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: MSW Capital responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago.
This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court.
Previous response :   XXXX   XXXX  , 2016 Re :   XXXX   XXXX   XXXX   CFPB Case :   XXXX   MSW Ref # :  XXXX  OC Account # ending :  XXXX    XXXX   XXXX   : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number   XXXX    and have reviewed your complaint and discussed this with our servicing attorney as well as   XXXX   XXXX   XXXX  . Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the   XXXX   XXXX   account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. MSW Capital , LLC is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting   XXXX   XXXX   to obtain the information used to open the credit card, MSW Capital , LLC has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted   XXXX   XXXX    XXXX   XXXX   XXXX   to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that   XXXX   XXXX   remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing MSW Capital , LLC a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!

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