milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: In XXXX of XXXX I contacted Wells Fargo to see if we qualified for assistance since we were affected by Hurricane Harvey. Our home was not in the declared XXXX zone ; however, my husbands job was. He was at the time I called out of work and was not scheduled to go back for several weeks because the job site was destroyed and there was no electricity. My husband is back to work now. The Wells Fargo XXXX, XXXX, advised me that they had a program that would defer payments until XXXX/XXXX/XXXX. It was some type of assistance that was given to accountholders who were affected by the Hurricane. I called today to schedule my first payment since the assistance expired and I was told that 3 payments were due. I was shocked. I never expected to have to pay 3 payments all at one time. We honestly would not have accepted the assistance if we knew that we would have to pay almost $ XXXX in payments. The XXXX i talked with today, XXXX/XXXX/XXXX, said that the XXXX I spoke with in XXXX was just a Customer Service rep who may not have know to advise me of that but that he could send him a coaching. He also offered to start a modification process on the loan ; however, I do n't need a modification. We can afford the minimum monthly payments now but at the time I originally called in XXXX XXXX we were not able to. 

The XXXX advised me today that if the 3 payments are not made by today the account will report the bureaus as past due and we are not ok with that. This is a clear UDAAP violation and Wells Fargo should fix it and ensure that my husband and I are not reported adversely for assistance that was given to us.

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 11/23/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech is trying force me to buy their homeowners insurance. I have sent them proof of insurance a number of times and they keep sending letters threatening to foreclose if i do n't pay for united insurance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Several times in the past few weeks, I have been contacted by individuals from Transworld Incorporated, asking to speak with someone I do not know, presumably about a debt that he or she may owe. Each time, I have told them that no one with that name is at my phone number. Each time, I ask them to stop calling. At least twice, I have been told that my number will be " removed from the system. '' I hope they actually stop calling.
The two most recent calls were listed as coming from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Deposits and withdrawals

Complaint: On XXXX my husband received a notice that we needed to call Capital One 360 due to some questions about recent activity. Since it is a joint account I called support who, after a 45 minute wait, indicated that an unauthorized person had logged into my husband 's account. As directed by support, my husband ran a Spyware scan and verified that his computer was not infected with spyware and sent the scan to their fraud department. Two days later when the joint account was still locked my husband called to have the account released. He was unable to reach anyone in the fraud department and was told he would receive a call back within 24 business hours. It has now been over a week and still no call back. 

I have attempted to transfer money from the joint account and Capital One 360 is preventing access to my funds until their fraud department talks to my husband. However, after over a week my husband can not gain access to anyone in their fraud department. 

It is a joint account and I am being prevented from accessing my funds. 

It has been over a week and we are unable to reach anyone who will release our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This was a credit card that was in dispute in 2001 for about {$2500.00} which I though was revolve and closed. Now I see after XXXX years later unbeknown to me I am being contact from Midland Funding, LL with balance amount for of over {$19000.00}. I am assuming it goes from XXXX collection agency to another and are tagging on these ridiculous penalty plus interest on top of additional charges. This should be against the law and protect consumer from these collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Frankly an opinion formed by direct response from a lender- " XXXX '' provided my FICA score. THEY- XXXX outright lied to me if what I was advised is correct. XXXX gave me a XXXX score. THEY said they do not set the score when bank stated they did. Very upset 6 months and still incorrect but a day after a negative it was immediately on the report. Opinion a scam to artificially keep score low to inflate interest charges for consumers.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30, 60, or 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.

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 09/22/2017 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Closing on a mortgage

Complaint: I am a XXXX in XXXX, Ca. representing a client who is selling XXXX XXXX XXXX XXXX, CA. XXXX. The sellers accepted an offer from a buyer on XX/XX/XXXX. The lender handling the financing for the buyers purchase was Caliber homes loans, the loan officer was XXXX XXXX ( XXXX ) XXXX. The buyers conducted an appraisal on the property and then immediately had to cancel due to their inability to qualify for the loan. Caliber home loans was provided a case number from FHA and also submitted the appraisal in the FHA system. After I placed the home back on the market for my client and we received another offer from a buyer who is also utilizing FHA financing for their purchase. The new lender XXXX XXXX at ( XXXX ) XXXX made a formal request on approximately XX/XX/XXXX. Caliber home loans transferred the case number but not the appraisal attached to the case number. Without the appraisal the new lender is unable to move forward with the buyers loan. I spoke with XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and asked her to transfer the appraisal as requested and was told we had to pay for the appraisal to be transferred. I do n't understand how they can ask for my client to pay for an appraisal to the lender that was already paid for by the previous buyer. The are holding the appraisal hostage to the transaction they are no longer a part of. I spoke with the branch manager XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX and he informed me that they would transfer the appraisal but needed a formal request from the subsequent lender. That formal request was already made and they are refusing to cooperate. My seller now is unable to close escrow on the sale of their home because of the lender who is no longer a part of the new transaction. Everyone is on hold because they are refusing to cooperate. Please contact me as soon as possible. XXXX XXXX XXXX XXXX with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Mortgage (Conventional fixed mortgage) with MLD MORTGAGE INC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a 30-year fixed loan with MLD Mortgage Inc since XXXX 2015 with XXXX % down for a single-family house. A few months ago I was calling and emailing their customer service to get quote in order to remove my PMI. First they said I can not remove my PMI for my loan with them is less than XXXX years. I read some online forums and knew that as long as I can make LTV as XXXX %, my PMI should be automatically removed. I gave them my second call, and presented the info I read online, they told me that I should be able to do so as long as LTV is XXXX %, but to get an quote I need to put it in a formal request by using their online form and email it, which I did. Two weeks later, I got a letter saying that PMI can be removed only if it is XXXX-XXXX family residence or for commercial use and LTV reached XXXX % ; and to remove PMI on single-family house, my loan has to be with them for two years and LTV has to be XXXX %. I was very upset by the letter and called them again. They said I can remove PMI as long as LTV is XXXX %. So I made some payments recently to make my PMI reached XXXX % now.I noticed today as I checked my statement online I am still charged for PMI. I just called them, and could n't believe they brought up the same trick about have-to-be at least two years having loan with them in order to remove PMI. I just told them I am done with them and will refinance using other companies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, XXXX I purchased a car through Santander Consumer. The cost of my car was {$12000.00} with an interest rate of 24.99 % I put {$3000.00} down. As of today XXXX/XXXX/XXXX, I owe {$13000.00}. I have made XXXX payments of XXXX. 
I called Santander to ask questions about my loan, I was told that My balance is my balance whether I pay off the loan early or not. XXXX XXXX the manager I spoke with could not tell me the amount of interest and the amount of Principle that defined my loan. I was told I have a simple interest loan with accruing daily interest of {$8.00}. and after 10 days a late fee is applied of XXXX. I do n't believe that this loan fair nor should it be legal to take advantage of consumers when we are not aware of all of the thin lines and loop holes. I have paid {$16000.00} on my car and I still another 4/5 years to pay it off. It is a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: I have a Home Depot credit card through XXXX, and I have opted for online statements. I have a balance on it, and I have an overdue payment. The payment of {$55.00} was due XXXX XXXX, so I am two weeks late. On XXXX XXXX I went online to schedule a payment. The online statement showed {$130.00} due on XXXX XXXX. The amount of {$130.00} includes the XXXX payment, a late fee and the XXXX payment. I scheduled a payment of {$130.00} for XXXX XXXX. On XXXX XXXX Home Depot blocked my online access and shut off my credit card. I had no notice of this action until I attempted to use the card to purchase supplies. The store was unable to access my account, and I am no longer able to access my account online. The cashier called the credit line and I spoke at length to the Credit Dept representative. I have additional credit available on my XXXX credit card, and I have a payment scheduled in 3 days for the past due and the current amount. But I ca n't access my card online, and I ca n't use the credit that 's supposed to be available to me. I told them this is an unreasonable policy because 1. the statement merely says that the past due and current payment are due on XXXX XXXX, and 2. they already charged me a late fee on that statement. The statement gives no information about shutting off access to credit. I 'm trying to run a business and need these supplies immediately for a major event in two days. Is this policy legal?

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 03/15/2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My debt to income ratio is grossly incorrect. Most of the debt is mortgage debt and does n't account for rental income. With rental income included, my debt to income ratio should improve dramatically.

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 12/22/2015 about Credit reporting () with Experian Information Solutions Inc. (AP).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I paid {$1.00} in XXXX for a credit check, and missed their fine print about the additional {$21.00} they planned to charge me after a " trial period ''. It was in very tiny letters at the bottom of the screen, and it 's very clear they have purposefully made the checkout process look different to confuse the consumer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Servicing of my mortgage was transferred from XXXX ( XXXX ) to SLS ( Specialized Loan Servicing ) as of XX/XX/2016. Before the transfer of servicing, XXXX paid my first half county property taxes from my escrow account. On XX/XX/2016, SLS paid my second half county taxes, which should not have been paid until XX/XX/XXXX, from my escrow account. This resulted in an insufficient escrow balance from which to pay my homeowner 's insurance bill ( due XX/XX/XXXX ). After calling SLS and discussing my options, I felt it was easiest to simply add additional moneys to my XXXX payment to bring my escrow account balance up to cover my homeowner 's insurance premium. However, SLS neglected to apply the additional funds to my escrow account and proceeded to apply them to my outstanding principal balance. I phoned SLS on XX/XX/XXXX and pointed out the error. I was assured that the error would be corrected and the funds would be correctly applied within 2 business days. On XX/XX/XXXX, the error had not been corrected and my monthly escrow payment had been increased by 50 % due to the 'shortage '. I repeatedly tried the customer service numbers available to me on the SLS website and every attempt to speak to a representative resulted in being disconnected. After finally managing to speak to an individual ( XXXX ) via the number for the SLS insurance department, I was transferred to XXXX in 'Executive Services '. XXXX simply told me he saw that someone had made a request to correct the error, but he was unable to actually do anything to correct the problem because it had to be done by the 'Cashiering ' department. He was unable to provide a number for said department or contact them directly and expressed no regret or inclination to help me beyond repeating what the previous representative had told me a week earlier that the funds SHOULD be correctly applied in 2 business days that and I would receive a new escrow analysis within a month.

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 01/22/2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Account Number : XXXX The account is closed and paid in full. It has been over 7 years since the account was open. Therefore, I am asking for you to remove this item immediately. 
My XXXX XXXX XXXX mortgage account has 30-Day delinquencies for XXXX and XXXX. My original mortgage servicer was XXXX and was bought out by XXXX XXXX XXXX in XXXX. Due to the recent XXXX settlement, XXXX XXXX XXXX was one of the lenders who were found guilty of extensive mortgage servicing misconduct and deceptive practices during the XXXX settlement. Therefore, my 30-Day delinquencies are a result of their misconduct. 
At this time, I ask that you remove the 30 day late payment immediately off of my account and credit report.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX account Loan # XXXX Showing on my credit report as being late payments incorrectly. XXXX made errors when adding my bank account for automatic payments and accepted fault. They 're negatively reporting on an account that is current.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Third party debt collector attempting to collect unverified and disputed debt from myself and my minor child.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Payday loan, title loan, or personal loan (Payday loan) with Pinebrook Holdings, LLC (WI).
Issue: Charged fees or interest you didn't expect

Complaint: In XX/XX/2017, I financed approximately {$350.00} with XXXX XXXX, due to financial hardship. I was unaware that I would be charged roughly {$700.00} in interest. Due to health issues I defaulted on this and was unable to make my first payment. I called and explained my health issues and my inability to pay. They continued to call me aggressively ( at least 2 to 3 times daily ) ; this was after I tried to work out a payment plan. I was able to get a job in XXXX and despite my efforts to work out a reasonable payment, they continued to pursue me and harass me aggressively. I have made {$50.00} in payments due them and noticed they continued to add interest, AFTER I was delinquent/defaulted on loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Wrong amount charged or received

Complaint: Company : Coinbase XXXX : XXXX On XXXX XXXX, XXXX at XXXX XXXX XXXX I sold XXXX units of XXXX on the coinbase exchange for {$480.00} after fees. Transaction code # XXXX shows completed on their website yet the funds were not received. Payment method chosen was XXXX internal USD Wallet. Coinbase states that funds from sales will be available within minutes of a sale. As of this filing the proceeds from the sale have not been received. 

I filed a case with Coinbase Support, Case # XXXX, at XXXX XXXX XXXX on the same evening. I have yet to receive a response or acknowledgement of the issue from their customer support as of the filing of this complaint. 

Just to be clear, this is money never received from the sale of the coin within the coinbase system. There were no funds ever sent to any external addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Bank account or service (Checking account) with FIRST MIDWEST BANK (MO).
Issue: Account opening, closing, or management

Complaint: On XX/XX/XXXX I opened a checking account at XXXX bank via credit card. They required a lot in order to open the account, including a driver 's license, signature card, and credit card statement used to fund the account. I provided the license and statement to them via email the week of XX/XX/XXXX. On XXXX, XX/XX/XXXX, I mailed XXXX a signature card I printed from their online application. They told me this would be acceptable as long as it had my original signature and I sent it to them through the mail. ( I had previously sent them the signature card via email where they did not accept it. ) Funds were not available in my checking account at this time on XXXX, XX/XX/XXXX. However, I saw on XXXX, XX/XX/XXXX that they were available in my online banking portal. Clearly, they had gotten my signature card. I linked another financial institution to my XXXX checking account ( XXXX ) on XXXX, XX/XX/XXXX. The trial deposit was received ( and allowed ) at XXXX on XX/XX/2016. I confirmed the deposit at XXXX and submitted an ACH withdrawal request through XXXX to my checking account at XXXX Bank. This withdrawal from XXXX became available at XXXX on XX/XX/2016. 

On XXXX, XX/XX/XXXX I see the deposit as " Returned-Account Frozen '' in my XXXX account and that I have been charged a {$15.00} fee. My XXXX Account was not frozen, otherwise the trial deposit would not have been allowed. 

My funds were made available in my account on at least XX/XX/XXXX ( probably XX/XX/XXXX ), and the trial deposit went through fine on XXXX. Funds were available, and should not have been " returned '' after being withdrawn to XXXX. 

I want a refund of all fees I was charged by my other institution, XXXX. These fees were a result of XXXX error ( s ). I also want both my checking accounts closed at XXXX and to not be charged any fees to do so.

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