milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Mortgage (Home equity loan or line of credit) with DISCOVER BANK (AZ).
Issue: Credit decision / Underwriting

Complaint: I applied for a home equity loan on XXXX/XXXX/2016 and sent the documents requested by the personal banker ( XXXX XXXX ) on XXXX/XXXX/2016. I did not hear from my processor ( XXXX XXXX ) until XXXX/XXXX/2016 and responded to her requests the same day. The processor does not return phone calls or emails. To add insult to injury, I received a notice in the mail that my application would be cancelled if I did not respond to the requests for documentation ( which I already provided ) by XXXX/XXXX/2016. I received another email from the loan processor on XXXX/XXXX/2016 asking me how I was progressing in providing the documents that she requested, to which I responded that I 'd already provided the documentation, and she has yet to reply to me. I have made several unsuccessful requests to speak with XXXX manager about these concerns and still have no resolution. XXXX lack of organization, customer service, and poor responsiveness have delayed the underwtiting process of my application and caused me unnecessary inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: TransUnion has blocked me from getting my credit report online. This is preventing me from being able to monitor my credit report for fraudulent activity. I am paying TransUnion to be able to monitor my credit score & report but ca n't update or view anymore reports from them due to the block. I 've attempted to call TransUnion and I get transferred to the fraud department which then transfers me to some some special Priority department voicemail. I 've left several voicemails and they do not return phone calls.

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 monetary relief
Consumer complaint received 04/20/2018 about Debt collection (I do not know) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I started receiving phone calls from Trans Union. They leave a message saying they are a debit collection service and I need to call XXXX, ask for XXXX XXXX and my reference # is XXXX. I noticed that the number that called me was not the number given to call back to but I did not write down what it was. I have attempted to return the call 3 times. Each time I am told that all representatives are busy. That recording will come on periodically. After about 10 minutes of being on hold another recording says no one can help me at this time, please call back. I do not owe anyone anything as far as I know and I want this to stop

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 07-12-2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (KS).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: During the year XX/XX/XXXX, I opened a Chase Premier Checking account with Chase Bank. I asked about safety deposit box and was told that, because I am a veteran of the US Armed Forces, I would receive a safety deposit box at no charge. This fact was supported on page 4 of 7 on the agreed upon contract, and there were no trial periods or " demo trials '' attached to that free deposit box. I was told, verbally and in writing, that the safety deposit box would be free of charge. I was, for five years, never charged a dime for that benefit. Approximately two months ago, I received a bill in the amount of {$57.00} for " box rental ''. I never received in any way, shape or form any notice of any policy changes. In fact, on the night of XX/XX/XXXX, I received a message from a Chase online account representative that Chase " will charge what we want, when we want, to whomever we want, without notice. '' This is a willful and blatant breach of contract, undoubtedly by a company that believes that vets are too XXXX to stand up for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Other debt) with I.C. System, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: received a collection letter from ic systems XXXX. called them immediately and advised them id theft from ex wife. person i spoke to gave me address and forms required to document the fraud which i sent XX/XX/17. i received a email XX/XX/17 from my credit card co. advising of XXXX XXXX decrease from XXXX which is for this debt. the amount is XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX ga. XXXX the debt collection agency ic systems XXXX XXXX XXXX mn. 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 05/13/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Billing statement

Complaint: I have XXXX cancelled American Express Blue card accounts that have been cancelled for over 3 years. I destroyed the cards and intended to pay off the balanced. I became unemployed and in good faith sent a small payment each month. Now that I am employed I am working with a credit consolidation agency to help me pay off my debts. They requested I ibtain the XXXX digit card numbers for both accounts, Amercian Express refuses to give me the information stating that they can not do so over a taped phone line. However I am to effortlessly give my social security number over the same line. I e pressed the need to have these numbers is so I can repay my debt, however they are not cooperating. Secondly, they spent a day calling relatives and family of my ex husband to question my debt. I find this absolutely unacceptable as these are people in no way related to these account and no responsibility for them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XX/XX/XXXX I disputed a collection company named XXXX who was a Debt Collector for XXXX the Original Creditor Date Opened ( not available ) as a collection, NO Date provided. Balance Owed {$1200.00} reported by XXXX. 

This account was REMOVED for non production of the debt within the 30 days of dispute, because I do n't owe it. Transunion will have the credit report where the company XXXX account was removed within the 30 days. 

The DEBT WAS SOLD to another collection company named AFNI and I was NEVER notified that this collection company was now assigned this debt I do n't owe. On XX/XX/XXXX this negative debt was put on my Transunion Credit report, which has negatively affected my score by XXXX to XXXX points since XX/XX/XXXX. 

I feel that this is an illegal activity under the Debt Verification Rule within the 30 days there was no proof of the debt and be sold to another collection company. There was no written documentation sent to me. The negative debt was removed and then added back under a different name without notice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Credit card) with FMS Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Due to medical problems I set up a Hardship Program for payment of a credit card with XXXX XXXX XXXX and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is FMS, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of XXXX XXXX for over XXXX years and have never had a problem until now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am victim of Mortgage Fraud perpetrated in 2007. I was approached in 2007 to invest in some real estate properties. I closed on XXXX properties the same day, as I was told that they were " bundled properties ''. The agent that contacted me during his investigation mentioned that that should have been my first " red flag '', as you can not close on that many properties at the same time due to income and credit verification. Loans were closed for a certain amount, and Title company took thousands of dollars without me knowing in my name from a bank account. The agent suggested I contact an attorney. After speaking to the Asst. US Attorney in Ohio, i received a letter that the mortgages were fraudulent. I contacted the all XXXX mortgage companies to get some kind of resolve, as I am not in a position to keep the homes. I am seeking your assistance as I would like to get a mortgage histories erased from my credit report. I 'm in the process of getting a Deed in Lieu for all of the properties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Debt collection (I do not know) with Data and Contact Management Solutions, LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: DCM Services has phoned 2 times requesting information regarding the executor for my brother-in-law 's estate. I asked them NOT to contact me after the first phone call and they did so again this morning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , IA  XXXX  (  XXXX  )  XXXX  Put a hard credit inquiry on my history without my permission I was not looking for auto loans just wanted to buy a used car no loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Checking or savings account (Other banking product or service) with Comerica (OK).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have my social security benefits deposited onto the direct express debit card and today I did not have access to my funds. I have been calling the customer service number but have not been able to get to a live person for over 7 hours. I called the number to enroll for the card but they advised that they could not help me and that I needed to contact the customer service number. This is not professional and is unacceptable to not have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (OR).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2017 at XXXX XXXX UTC, I initiated a wire transfer of XXXX from XXXX to my bank, XXXX XXXX XXXX. I used the correct information for the wire transfer and included the appropriate memo message as requested by XXXX. I also included the correct account number for the wire transfer.The wire transfer was listed as "completed" on XXXX  after a short period of time (the same day), but the funds have never appeared in my bank account. I called my bank to try to find out if they knew anything about the transfer, but had no record of it.On XXXX I cannot find any pertinent information about the transfer other than the XXXX transfer ID, which is XXXX. I have opened a support ticket with XXXX and have not received a response yet. The Case # is XXXX for the support ticket. I've also sent a message to XXXX  official XXXX account.XXXX and Coinbase have stated that they have a backlog of outgoing transfers and that the transfers will take between 7-10 business days. I haven't received the transfer and have no way of contacting XXXX or Coinbase. In addition to the support ticket, I've called XXXX support phone number and been unable to get in touch with support staff.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (WI).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was modified with a Hamp as XXXX XXXX. ( I have attached my Modification agreement ). Per my modification I was told that my New loan included all back payments owed which included interest, any fee 's and back Escrow, owed. I have made my payments except in XXXX lost my job, so instead of falling to far behind I entered into a payment plan that increased my payment {$700.00} a month to catch up for the one payment behind.I paid my payment plan as agreed, with hardship to my family, but I want to keep my home. My last payment on the plan ended in XXXX which they deducted from my account. This month when I went to make my original modified mortgage payment of {$2000.00}, Nationstar would not accept my payment and I was told I was late for my XXXX and XXXX payment because they had increased my monthly payment to {$2600.00}. They stated they did this because of my new Escrow analysis. When I questioned how it went up {$680.00} a month, when My HOI only went up {$180.00} but my real estate taxes went down a XXXX my payment should have stayed pretty much the same.Nationstar said that I was in the negative because they were going off the escrows dated back from XXXX. ( I have attached my Escrow analysis ). My dispute with them is that when my Loan was modified all these cost should have been included in my new mortgage, The note I signed did say moving forward my payment can increase/decrease due to escrows, I understand that, but it did not state that I owed back taxes and Insurance that would need to be repayed on top of my new modified payment. That is setting people up to lose their home. With My XXXX mortgage payment dated XXXX/XXXX/XXXX my escrows should have started at a XXXX balance or at the very least neg whatever the reserve requirements are. How can anyone afford such an increase, and if I am correct they will once again increase my payment next year, when they rerun my Escrows. Nationstar Mortgage has reported to the credit bureau that I am 120 days late, destroying all my efforts of my Credit repair, and have also stated if I do n't pay the {$3400.00} by the end of the month, my loan will have foreclosure proceeding started. I am devastated, I have a decent job and I am trying so hard to re-establish myself. Selling is n't an option my home is way under water. I believe that Nationstar mortgage has knowingly and willingly set myself and I am sure other Homeowners up to fall behind on their Mortgage payments and having to enter into another Modification process, which is the option they gave me. I need some help or an answer as soon as possible. I do n't have want to be dragged into the Modification process again, It took 7 years, Thank You Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: Dear Sir or Madam, I 've been on vacation with no access to a Capital One Bank branch in the area and I 've been hit with numerous overdraft fees ( XXXX in all )! And the number continues to climb each day. This is a total of {$330.00} which I find quite excessive. 

Unfortunately, I 've been unable to deposit any money into my account to stanch the flow of overdraft fees as I 've been in an area where there are no Capital One branches. 

I tried resolving this issue by contacting XXXX XXXX, Director of Complaint Operations for Capital One and she answered that she would have a colleague reach me to discuss the issue. When I received a call from her colleague it was only to explain to me why they were justified in charging me all of these fees. 

So I appeal to you for help. 

Capital One Bank 's have increasingly used overdraft " protection '' plans in a way that is deceptive and unfair to consumers. The vast majority of large banks enroll consumers automatically in overdraft plans, charge an average of {$35.00} per overdraft, and manipulate the order transactions to post in a way that maximizes overdraft. This predatory practice must end! 

A report by the Consumer Financial Protection Bureau ( CFPB ) released in XXXX 2014 raises concerns about the impact of opting into overdraft services for debit card and ATM transactions. The study found that majority of debit card overdraft fees are incurred on transactions of {$24.00} or less, and that the majority of overdrafts are repaid within three days. Put in lending terms, if a consumer borrowed {$24.00} for three days and paid the median overdraft fee of {$34.00}, such a loan would carry a XXXX percent annual percentage rate ( APR ). 

By capping the number of overdraft fees Capital One Bank can charge, we will maximize protections to consumers. Unchecked, banks like Capital One will continue to XXXX their customer 's accounts with impunity. When will this end? 
Capital One 's predatory banking practices remind me of what XXXX XXXX says in her book How the Other Half Banks : " One of the great ironies in modern America is that the less money you have, the more you pay to use it. The American banking industry has stopped serving those who are too poor to bank. '' Charging excessive overdraft fees on one 's account is wrong and should be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX PENDING XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX Estimated ) No results for the dispute. The 3 accounts on there have been removed from XXXX and XXXX. Asked to verify 100 percent accuracy record contains multiple inaccuracies, and terms being correct. And contacted the bureau and do not have my dispute. Dispute number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The following items are reporting inaccurately to my credit report on XXXX XXXX and should be removed. XXXX XXXX XXXX -Never late/Balance incorrect XXXX XXXX XXXX-Never Late/Balance incorrect XXXX XXXX XXXX-Never had an account or contract with this company TIME PAYMENT CORP-Never Late/Incorrect Balance XXXX XXXX-Incorrect Balance The following companies have pulled my credit and have not had authorization to do so. I have reached out to each company and they can not provide written proof of a signed application to authorize the running of my credit. <P/><P/>XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX :XX/XX/XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXX XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXXXX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XXXX :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXXXX/XX/XXXXXXXX :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Inquiry :XX/XX/XXXX XX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry :XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX NA Inquiry : XX/XX/XXXXXX/XX/XXXX( XXXX ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I believe that I am a victim of fraud, the inquiries do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: Earlier this year I submitted a dispute on the grounds of ID theft to all three credit bureaus. XXXX and XXXX  did their due diligence of thoroughly investigating and removing unauthorized accounts included in the claim, however Equifax still reports two accounts that are not only unauthorized but have no phone number, address, name of collection agency or original creditor on the accounts, yet claim that they " verified '' that these accounts were mine. How? If they send me a report with no contact information for the alleged debt and collector, how did they verify it. Their reporting of these accounts are in direct violation of the Fair Credit Reporting Act that all accounts must be accurate and verifiable. How are these accurate without the name of the debtor, an address or a phone number. I even asked to show me their proof of their method of verification of the debts which they have not. Therefore, by law these accounts must be removed and I expect them to do so immediately. No more 30 days of an investigation. They 're time is up. Remove them or I will sue. And another lawsuit is the last thing Equifax of all CRAs needs right now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2017 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I called Carrington Mortgage Services, LLC today inquiring about my XXXX Mortgage Interest Statement for 2016 tax year. I was informed by the customer service rep ( XXXX ID # XXXX ) that due to my mortgage loan being transferred from XXXX XXXX XXXX in XXXX 2016 I would not be receiving XXXX. I informed the customer service rep that I made a mortgage payment of {$1000.00} on XXXX XXXX. Also as of XXXX XXXX, 2016 Carrington Mortgage Services paid {$3000.00} to XXXX County for taxes. I was again informed that because the interest I paid was below {$600.00}, I would not be receiving a XXXX.

Company response to consumer: Closed with explanation