milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/31/2016 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: We were trying to trade our current mobile home in on a new home and the closing attorney needed a copy of the title of our current home and was not having any success in getting it from Wells Fargo so they asked for my assistance. This process started in XXXX. On XX/XX/XXXX I contacted XXXX at my local branch of Wells Fargo in XXXX, SC on XXXX. XXXX told me it would take one to three business days to get the copy of the title. On XX/XX/XXXX XXXX called me to let me know he was working on my request and I could contact him if I had any questions. On XX/XX/XXXX I talked with an associate of XXXX who wanted to let me know he had to leave the office early. On XX/XX/XXXX I went back to Wells Fargo to see what progress XXXX had made and he told me that he was told it would take an additional week to ten days to get the copy. On XX/XX/XXXX. XXXX called me and told me to call the XXXX to get a copy of the title. I called the XXXX and was told that I could not get a copy because the lean holder was the only one that could get a copy. My case was turned over to a Home Equity Specialist named XXXX. I have had trouble getting XXXX to return my phone calls. She called me on XX/XX/XXXX while we were out. I tried to call her back on XX/XX/XXXX, twice on XX/XX/XXXX and finally heard from her on XX/XX/XXXX at XXXX when she told me that I needed a to get a DMV lean report. I went to the XXXX to ask for the report and they told me there was no such report. I was able to getan information inquiry which showed that my mobile home was still showing the lean holder as XXXX bank. XXXX was aquired by Wachovia who was aquired by Wells Fargo who did not update the information after the takeover. Wells Fargo said they only have a copy of the loan agreement. I tried to call XXXX back on XX/XX/XXXX to tell her what the XXXX told me and can not get her to return my calls. I tried to start the process over again by filing another request on XX/XX/XXXX. I started at XXXX and was given other numbers to call and transfered to to different departments ending up with the mobile home department and being put on hold and when a person came back on line i was told she could no longer help me and hung up on me. I have been hoping that I would recieve a solution by now but got another letter saying they would have a resolution by XX/XX/2017. Can you please help me get a copy of the title to my mobile home. I can provide Vin #, Vehicle ID and such information as needed upon your request. 
Thank you for your assistance

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 03/22/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Synchrony Bank is trying to collect a debt. I can not pay them right now. It is fine to call, but they are harrassing us now. They call every 45 minutes Monday through Sunday. They also call my cell phone sonetimes.

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 11-06-2015 about Credit card () with BARCLAYS BANK DELAWARE (MD).
Issue: Billing disputes

Complaint: An unauthorized charge appeared on my credit card statement from XXXX XXXX in the amount of {$29.00} ( on XXXX/XXXX/2015 ) and I am having trouble getting credit card company Juniper/Barclaycard to remove the charge from my statement. I never authorized the charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over  resolving  my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  2017 , I disputed my bankruptcy that is being reported on my Equifa x Credit File and  it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  2017 , this time I submitted a letter from th e U.S. Bank ruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  2017  stating the FCRA regulation for Section   623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified be  cause of the letter I received from the bankruptcy court on  XXXX   XXXX .  ( 2 ) I submit ted a Security Freeze on my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,    2017  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Equifax they informed me everything was verified and accurate on both  Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged and the Lien. I do n't understand how they were verified when noone at the courts verified a nd there is a Security Freeze in place.     I have attached all documentation showing such information.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I try to make a purchase with my capital one credit card however the purchase was not approved. I called capital one and explained it. They said it was a restriction on my card however if I made a payment the restriction would be lifted. This is not true because they still have not removed the restriction despite that I have made the necessary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Debt collection (I do not know) with Harris & Harris, Ltd. (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received approximately 12 calls in the past 3 months on my cell phone from XXXX or XXXX. Each call has been a recording and claiming to be from Harris and Harris stating I owe some debt and I need to call them. 
To my knowledge I owe no one anything nor have I received any documentation via US MAIL documenting any debt. 
I suspect this is a phishing scam.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Armcon Corp (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A collection agency for a HOA was harrassing me for dues I failed to pay when the house was in forclosure. I kept telling them the bank owned the property and to contact them I no longer lived there. The HOA chose to ignore me and kept billing me for dues now over XXXX.+ They turned the matter over to Coachella Valley Collection Service . Whom continued to contact family member 's, threatening & harrassing them. So how do they get away with such fraud and deception, and win a court case I knew nothing about. So, therefore, do n't move to XXXX XXXX, in Ca

Company response to consumer: Closed
Consumer complaint received 11/18/2016 about Debt collection (Medical) with American Collection Systems, Inc (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The number I called above they told me they do n't have my case at there office. I tried contacting the medical center and they told me to contact the debt collector. I made two payments but they do n't reflect on my credit report and the amount is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXXXXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXXXXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.

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 03/28/2018 about Payday loan, title loan, or personal loan (Installment loan) with MIDCOUNTRY FINANCIAL CORP (TN).
Issue: Struggling to pay your loan

Complaint: About 7 months ago i lost my job i did find another job but make less money when this issue first happened XXXX and XXXX at XXXX XXXX in XXXX tennessee were amazing they were kind and worked with me to help me from falling farther behind by allowing me to pay {$40.00} per week which i tried my best to do and often did but when i wasnt able they were kind and worked with me recently i went in to pay {$100.00} on my payment and a woman named XXXX whom I have never dealt with was very rude and refused my payment during this visit I also requested to XXXX at the front desk that my wife be removed from my references and not called because i didnt want her knowing my financial business and she told me she didnt want any more calls from them I work in a job where it is very hard to answer the phone and my schedule makes it difficult for me to go to location and i do not have a bank account so i can not make payments over the phone since then I have received at least 10 phone calls per day from XXXX and XXXX with many calls being from their personal cell phones i have the call logs to prove it one day XXXX caught me at a rare time i was able to answer by calling me from her cell phone she apologized for XXXX 's attitude and said she would work with me I requested that XXXX no longer work my account and she said she would make note I told her I would try to bring in money the following business day but my son ended up having a doctor appointment to see a XXXX XXXX and I could not make it and the money I had set aside went to another bill since they wouldnt accept my payment I have inquired about hardship or refinancing to help me catch up and nothing has been offered to me today I have yet again received multiple phone calls with several from cell phones and my wife who was no longer supposed to be receiving calls from them received 3 phone calls I called XXXX the manager to  try and resolve this issue and he did not care about my complaint he just wanted to know when I would be in.

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 09-05-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Due to internal system errors, Wells Fargo Mortgage Corporation has been wrongfully reported delinquencies on my mortgage account for the last XXXX months, even though our mortgage payments are paid automatically from our XXXX bank account for the last XXXX years, and we have never been late with our mortgage payments. We 've been contacting Wells Fargo 's customer service and they keep delaying the correction process because of their investigations of their internal issue. My credit report was perfect before this Wells Fargo 's errors, but the current bad credit reports resulting from this error has been preventing me from financing a new home or renting a house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself at risk of identity theft/fraud due to negligent security protocols in handling consumer information. In attempting to resolve the matter with the company, their only remedy was for them to profit on their gross misconduct by offering to signing me up for " trial periods '' of their paid ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that sold stock immediately prior to the data breach announcement, regardless of whether they were aware of said security breach. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breach of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of judgment of who to contact. 

FURTHERMORE, their service of offering a security freeze in compliance with the law is ineffective, as my personally leaked information is sufficient to unfreeze the security freeze without requiring the PIN -- actors with malicious intent could unfreeze my credit simply by saying they " forgot my PIN '' and proving my other leaked details. 

RESOLVED by the above that Equifax is ill-equipped to handle the necessary security protocols necessary to safeguard my and other Americans ' most sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I m so tire of dealing disputing with Trans union and XXXX looks they are the king of the system, it seems nobody can regulate them!, I dispute XXXX hard inquires they deleted right away,, but on XXXX XXXX then they reinstate all of them again, they suppose to let me know 5 days before they reinstate them since now I was in the middle of applying for a new loan you know. is very frustrated been in the process of been qualify then I got denied because they put back the XXXX i inquires back without letting me know why was the legal reason to do that, I need your help please..the names and addresses I circle in my attachment are not mine.Transunion and XXXX keep adding new address lately.

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 09/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX I logged into my XXXX credit card account to make my regular monthly payment that was due on XX/XX/XXXX. When I went and checked the account on yesterday for a recent charge, I noticed that I had received a late charge even though my payment was made on its actual due date. I called XXXX customer service this morning Monday, XX/XX/XXXX and advised them that a late fee have been applied in error. I spoke with a representative named XXXX. XXXX was not empathetic at all and told me that he would not be able to reverse the late fee for me. I explained to him that my payment was made on time and that I believe that it was illegal of them to charge a late fee when the payment was made on the date that it was due. XXXX advised that because the payment was made after a cut-off time of XXXX XXXX CST that my payment was considered late. I advised him that I was not aware of a cut-off time for making your payment and that if I was only an hour late of the alleged cutoff time, I still believe that that warranted a late fee waiver. XXXX said that no it did not and was not empathetic. I then mentioned that I was going to have my bank pay off this credit card account and that I would be submitting this complaint. XXXX then transferred the call to his manager, XXXX and proceeded to discuss the situation with me. XXXX was also not empathetic and did nothing to resolve the situation. He refused to waive the late fee.

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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WHEELS FINANCIAL GROUP, LLC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account was charged off in XXXX XXXX but the company continues to report delinquent payments in the amount of {$360.00} every month and increasing the account balance. 
I called XXXX and sent a letter on XXXX XXXX, XXXX, requesting that they remove the incorrect information from my credit files. They changed the account status to closed but they continue to report delinquent payments to XXXX and XXXX each month. 

I also sent a letter to Equifax and Experian notifying them that the information is inaccurate and requested that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: According to federal consumer laws, mainly The Credit CARD Act of 2009 banks are required to provide at least 45 days notice of any significant account changes.Without notice USAA restricted my online account access and shortly there after cancelled my account. No notice, explanation or documentation ( which was requested numerous times ) has been provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Delinquent account

Complaint: I settled a debt with BARCLAYS CREDIT CARD thru their XXXX XXXX XXXX XXXX XXXX XXXX. My original debt was around {$1800.00} and we agreed to settle for the amount of {$900.00} four monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XXXX 2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. I had my Credit report pulled by XXXX on XXXX/XXXX/2016 and this is the information that still shows on the account attached to this particular account : " ACCT SUBMITTED TO COLLECTION ; DISPUTE RESOLVED - CONSUMER DISAGREES ; CLOSED BY CREDITOR ; PAID ; CUSTOMER UNABLE TO LOCATE SUBJECT ''

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 08/30/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been making payments since 2014 and have paid about {$6300.00} +- since then. All of the money paid has been going exclusively to interest except for {$580.00}. I am surprised that none of it went to the principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX to collection on a {$390.00} debt owed. On XXXX/XXXX/XXXX, I entered into a settlement agreement with XXXX XXXX XXXX XXXX XXXX and paid them $ XXXX the check was cashed on XXXX/XXXX/XXXX. 

I am requesting that XXXX XXXX XXXX, update their records with XXXX XXXX XXXX XXXX XXXX in order for XXXX 's to correct the information on my credit report with the XXXX major Credit Bureaus- XXXX XXXX and 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 12-12-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: My Coinbase account got suspended from selling and buying XXXX, XXXX, and XXXX. I believe the error is due to a Coinbase ID Verification error which causes a mismatch with the Coinbase account name with the name on a linked bank account. I have $ 1,500+ on Coinbase which I would like to sell, however I have been locked out of my funds and can not contact support in anyway. Phones are busy, and emails and DMs on Social Media are not being responded to. Other seem to be having the same problem.

Company response to consumer: Closed with explanation