milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (MO).
Issue: Account opening, closing, or management

Complaint: My wife and I applied for a Home Equity Line of Credit ( HELOC ) with US Bank on XX/XX/XXXX. We used US Bank 's online service. We received an online response approx. XX/XX/XXXX with a welcome letter from XXXX XXXX from US Bank. The letter explained the process and required documents. Letter stated that XXXX would also be a contact for our loan. From approx. XX/XX/XXXX - XX/XX/XXXX we supplied req. documents to US Bank through their online platform and through email. Rec. information the HELOC was in the process on approval around XX/XX/XXXX. Never heard from US Bank for approx. 25 days. Emailed for a follow-up with XXXX on XX/XX/XXXX and rec. no response. Talked to XXXX on XX/XX/XXXX and XXXX stated the our HELOC information had been lost or can not be found. We would have to start the entire process over again. I told XXXX that I did not want to start loan process over. 
I emailed XXXX on XX/XX/XXXX, with information that our loan was showing " in-progress '' on US Bank website. Asked XXXX again if we could proceed with loan. Asked for follow-up and never rec. response back from XXXX A couple of concerns : 1. What happened to our sensitive document information that was sent to US Bank? Was our security compromised? 2. Could we have been discriminated against, for some reason? 3. Some of the worst customer service I have ever experienced. I want answers from XXXX and US Bank as to what happened with the process and our information. I feel and experienced that XXXX/US Banbk literally did not want our business.

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 12/28/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX a debt validation letter was sent to the company to validate a debt with the company, with proper paperwork or signature, which the company failed to provide. what docs did the company provide to the credit bureaus to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Commonwealth Financial Systems, Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX, I received a letter from COMMONWEALTH FINANCIAL SYSTEMS, INC. regarding account XXXX. I reached out to them for debt verification, thus I was sent this letter, but on the letter it shows the original creditor name ( XXXX XXXX XXXX ) and a service date of XX/XX/XXXX. However, on my credit report, the date open says XX/XX/XXXX. Naturally, i call them to figure out the issue. A case manager continuously insists that the date on the actual report is the date THEY { CFCI } received the account from ANOTHER collection agency, but even if they had, that would not cause the " date opened '' on my report to change. The more we spoke, the more she insisted everything was correct. After more pressing, she tell me the drop off day for the debt is XXXX, so if that is in fact the case, how is the date open XX/XX/XXXX? 

I would like this account REMOVED FROM MY CREDIT REPORT immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: Contacted Wells Fargo to recast loan on morning of XX/XX/XXXX. 

Was told that loan qualified for recast. Was told someone would call me back in " 24 hours '' No call back on afternoon of 1st day ( XX/XX/XXXX ) or morning of second day ( XX/XX/XXXX ). Called back on afternoon of XX/XX/XXXX and asked to speak to supervisor. Supervisor offered no explanation why Wells Fargo did not return call. Told I would get call back in another " 24 hours '', extending original window from " 24 hours '' to " 48 hours. '' No call back by afternoon of XX/XX/XXXX - more than 48 hours total elapsed. 

If loan qualifies, recast process should start immediately. I have n't even been told how we start process and it 's been over 48 hours.

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 12/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (OK).
Issue: Other transaction problem

Complaint: On XX/XX/2017 I visited the Chase Bank branch located at XXXX XXXX XXXX XXXX in XXXX, Oklahoma. I was there to verify my identity for a wire transfer I had originally initiated online. I brought with me several forms of identification and initially dealt with personal banker XXXX XXXX. XXXX XXXX took my documents and verified my identity. He then called someone on the phone ( presumably in a different department charged with initiating wire transfers ) and subsequently informed me they could n't complete the transfer for " security of the account '' reasons. I insisted as to why, my money could n't be transferred to another institution when I had come to the bank, in person, and verified my identity with three separate forms of identification and was myself requesting that they initiate the transfer. I requested to speak with the Branch Manager ( one XXXX XXXX ) who parroted back the same refrain " we can not do the wire for security of the account reasons. '' I informed XXXX XXXX and XXXX XXXX that this was n't a valid reason since the money was mine and on deposit with the bank, and I had met all of the requirements for initiating a wire transfer. I told them that if they continued to refuse to initiate said wire transfer without providing reasonable grounds I would consider their actions highly prejudicial and discriminatory and pursue further action against both. This is why I have come to you ( among others ) to help weed out this sort behavior within our banking institutions. It is unacceptable to refuse service to a customer that has gone above and beyond to satisfy all requirements without providing a legitimate reason for why service has been refused. I ask that you take immediate and swift action against Chase Bank and it 's employees ( XXXX XXXX and XXXX XXXX ) so that no other patrons are harmed, as I was, by their wanton, careless and XXXX treatment of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received A letter dated XXXX/XXXX/XXXX from Midland Credit Management XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. 
The letter stated : MCM Account Number : XXXX Creditor : XXXX XXXX Account Number : XXXX Balance of $ XXXX contacted XXXX XXXX XXXX XXXX Bank XXXX since that is the only dealings I 've had with XXXX Bank I spoke with XXXX XXXX XXXX and learned I had a balance of {$1300.00} from XXXX XXXX, which was turned over to Midland in XXXX XXXX. I contacted Midland at XXXX and spoke with XXXX. He informed me I could be sued if I did not pay. He offered me a 40 % of {$2300.00} which I informed him I did not have. He continued harrassing me until I finally hung up the phone. 
This is an old debt that was written off. My credit is suffering because the collection company is keeping it on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: personal information incorrect and inquiries on my report that I don't recognize

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 12/29/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application, originator, mortgage broker

Complaint: We received an offer from Bank of America to refinance my existing loan with BAC. I called them to apply for a 15 year refinance, to replace our current 30 year mortgage with them, with 24 years remaining. We submitted all the documents required, XXXX, tax returns, social security benefits. My credit score is XXXX ; our credit usage is only 2 %. My income is in the mid $ XXXX. I have no debt other than my mortgage. I was never late on any payments. I paid {$450.00} for an appraisal. 
Bank of America rejected my refinance application stating " Debt to income ratio : Excessive obligations in relation to income ''. This is totally untrue, since I have a XXXX score from XXXX of XXXX, and a credit usage of 2 %. 
Absolutely no one from Bank of America responds to my phone calls or emails. 
Please help me in resolving this issue.

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 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Due to XXXX XXXX own negligence they allow someone to open several accounts in my name and because they did n't take the proper protocol I have several accounts on my report that they wont remove. I will not give any company a dime and I wasnt responsible for spending the dime. I have contacted them on several occasions to fix this matter be for I take legal actions against the company.This is having a negative impact on my credit. Why would anyone open so many accounts at one time and that doesnt give the bank a red flag XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Bank account or service (Checking account) with COMMERCE BANK (MO).
Issue: Deposits and withdrawals

Complaint: Commerce Bank withdrew funds from my account, caused me to overdraft, all because the check that was written had a similar account number. Similar in the means that it was n't my account and that the bank had an error when dispersing the funds. When I called the company they told me I would not be able to use any funds for XXXX to XXXX hours because they had to submit a formal complaint and go through the process. Even though you have bureaucratic ladders of things you have to go through the company could rectify this in a matter of seconds. It would be as easy as posting the image of the check and discussing why the funds were incorrectly withdrawn. Now I have no money and I am in a real big rut today as my bills are due and I have insufficient funds to pay them. I believe that a company of this size should not have this long of a process for XXXX of their own mistakes. I do n't even have check for XXXX sake and somehow they

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with Duncan Solutions, lnc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is a  contractor for the state of CA. They collect unpaid tolls. I have only had one toll violation in the amount  of  XXXX  CENTS which I paid.     They c all one to three times per day, never leave a message. The two times I have spoken to someone there they have told me my number does not exist in their database so therefore they can not remove my number First, its a robocall. Violation of the TCPA laws. Illegal. Second, I have received  no letter except the orginal violation, which is entirely another subject,  XXXX    XXXX   XXXX  . I paid th at one fin e. They are in violation of the fair debt collection practices as well.     There is no account number, the dates are every single day except Sundays for at least  two  months now.   Their number they call from is  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo offered to refinance my home at a low interest rate and cash out part of the equity ( they currently hold the mortgage ). I paid the appraisal fee and had all paperwork completed on XXXX, and was told everything was a go -- that the appraisal would be done within two weeks, and then they would close the loan. Since then they 've stalled and delayed, telling me they ca n't do an appraisal. Now they tell me they wo n't be able to appraise the home until XXXX. Each time they push the date farther away. I 've already paid for the appraisal, and this is preventing me from going to other lenders. Their reassurances were that I 'd have my refinance finished in time to have contractors work on my home ( I have a leaky roof that needs to be repaired before the NW rains start ). Now it 's XXXX, I 'm no closer to closing this loan, and out several thousand dollars.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: There is an account listed on my credit file which is not accurate  XXXX   XXXX   XXXX  saying I went late in  XXXX   2016  which is NOT accurate never had an account with this company and why this collection account states I  was 30/60/90 da ys late and also {$87.00} written off but this company is still trying to collect. This is false information and misreporting and I want this inaccurate data removed.

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 03/13/2017 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: NATIONSTAR MORTGAGE : I got behind in my pymts ( XXXX ) and got a foreclosure notice. Repeated attempts to contact my assigned 'loan specialist ' were ignored. I have never heard her voice. I did talk to someone at their 'call center ' and was mailed a package to apply for modification which THEY SUGGESTED and I did. I waited a week and had to call THEM back to see if they even received it. Once again I got their call center because my 'specialist ' does not return calls. I was told a decision would be made XX/XX/XXXX. I did not hear from them XX/XX/XXXX so I called on XX/XX/XXXX and learned I was DENIED this modification on XX/XX/XXXX but was not told! They set a foreclosure 'date ' for 30 days after the DENIAL which was XX/XX/XXXX ( still have not received a notice yet and it is XX/XX/XXXX ). So I have little over 2 weeks to find assistance with ZERO help from this company. Worst servicer EVER!!! I wo n't even get into the magical 'fees ' that appear on a regular basis. Not sure what good a complaint can do. There is no 'choice ' involved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: they are reporting that I was over 60 days late, I have never missed a payment on my credit card

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2016 about Debt collection (Medical) with Capital Accounts, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX, I received a letter from Capital Accounts for a previously settled balance on a XXXX bill from XXXX. I responded in writing that I was disputing the balance on XXXX/XXXX/XXXX by certified mail ( USPS ). By my records, the account had been settled in full on XXXX/XXXX/XXXX after four months of payments directly to the provider. On XXXX/XXXX/XXXX I received correspondence from Capital Accounts again stating that I had not made satisfactory payment arrangements and that they would be reporting my account to the national credit bureaus. I immediately began investigating further and found in my SPAM email a correspondence from the provider dated XXXX/XXXX/XXXX with a bill attached. This is the final bill that I had never received. I immediately responded to XXXX at XXXX by email offering my apologies for the misunderstanding and explaining that his email had been sent to Junk ( it had no subject line and my filters caught it and sent it through SPAM ). I also went online and paid the balance ( XXXX ) via XXXX online payment portal. I have copies of all correspondence and the electronic receipt from my payment in full dated XXXX/XXXX/XXXX. However, on XXXX/XXXX/XXXX I received another correspondence from Capital Accounts with an itemization of services and balance remaining of {$110.00} with a request for me to respond promptly to avoid further interest charges from accruing. 

This is now twice that I have attempted to pay the balance on my account with no written confirmation of payment in full from the medical provider. This is negatively affecting my credit as this was reported to the credit agencies. I want this removed from my credit report because I have made all good faith attempts to resolve this issue. The people from Capital Accounts are threatening, rude, and nasty and do not care that I have made the payment in full and no longer owe their client any money. At this point, I feel harassed by Capital Accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: I wrote Capital One about someone opening account under my name which was on the credit report for about going on a year now. Under My Consumer Credit rights I have the right to dispute this and have them take this off of my credit I have nothing to do with this account they keep going in my credit report and place in information and update after update which dramatically is messing up my score. I am not sure why they keep going on my credit report every month and updating information and causing it to drop significantly even though this is not my account this is   XXXX   they 're calling me a liar because they are not removing this from the credit bureau I have a case number with the police department about this case number  XXXX  I need this to be taken off my credit I will be making this public and advertising what they are doing to people. I need this removed from my credit report immediately please stop discriminating against me I have nothing to do with this account. This was already on my credit please have them stop updating it every month and reducing my credit score significantly   XXXX   discriminating against me and hurting me and causing conflicts and financial problems because of my credit. After I went ahead and made it last complain about this with the Consumer Financial they went back on my credit and updated the same information they had even though they know it was on there already. Since it 's not accurate now with the date being on my credit report and it 's now being on there has this month which is not accurate this needs to be off my credit report immediately!!!!!! If this is not off my credit report I will be contacting the state attorney 's office ... this is discrimination I am qualified under the consumer Federal Protection Law and you guys are violating it. You guys are messing up my credit by updating information that is not accurate they updated it to this year and this month which it was on there months and months ago this need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Debt collection (I do not know) with Coastline Financial Resources, LLC (NC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: We got a call from a California number ( XXXX ), stating that they had process papers to serve on my wife. The person on the phone refused to give any information, but gave a number where we could get information on the case, and a XXXX digit " case number. '' The company he advised that we call is Coastline & Associates, and the number is XXXX. 

When my wife called that number, the person refused to give any information about the supposed debt until my wife gave him personal information. When she refused, he terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have previously submitted information to the CFPB and Equifax regarding XXXX accounts that have been showing as " Under Investigation '' for greater than 150 days. It 's good that Equifax responded to my last complaint by opening a new investigation. Problem is, they placed the WRONG XXXX XXXX XXXX account under investigation! Why would I request an investigation on an account I closed in good standing myself? Due to this error in placing accounts under investigation, my FICO score went down XXXX points. They need to remove my investigation from the XXXX account in good standing and compel XXXX to remove the balance information ( {$6500.00} ) as the bankruptcy is discharged on the other account in adverse standing. 
Furthermore, I have submitted information to remove the XXXX addresses that are not associated with me, and nothing has been done. So I will again submit my license, SS card and a bank statement per Equifax to get these XXXX addresses off my file. 
Finally, end all items under investigation. According to the image I 've attached, there are NO ACTIVE INVESTIGATIONS. It 's a misrepresentation to tell me on my report that items are under investigation, then show me on another screen that all investigations are either closed or expired.

Company response to consumer: Closed with non-monetary relief