milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (RI).
Issue: Loan servicing, payments, escrow account

Complaint: We were forced to short sell our home. The sale closed, the title was transferred to the new owners. Under duress, we were forced to sign a promissory note to pay back the difference to the lender. Our financial situation has deteriorated since then unfortunately by a divorce, with XXXX young children involved. We need relief and feel as though it is unjust to pay for a mortgage on a home that we no longer own. This may force us to go into bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (UT).
Issue: Money was not available when promised

Complaint: Bank wire deposit on XXXX-XXXX-17 and the money was never a credited to my account on coinbase I 've numerously emailed support and they 've never responded except for automated emails and it 's been over a month call the bank in XXXX XXXX XXXX a week after the bank wire deposit and they confirm that the money was deposited in New York but yet coinbase will not credit my account as far as I 'm concerned it 's wire fraud the amount of the bank wire deposit is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Debt collection (Other debt) with CAINE & WEINER COMPANY, INC. (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have spoken with several people at this company. Have even emailed information that was asked of me. I do not OWE CAINE & WEINER any money. I have contacted XXXX XXXX who is the person I owe the money to and I have been working with the directly. This XXXX XXXX XXXX company is now reporting to my credit and I want them to stop. I do not owe them ANYTHING. I am in direct contact with XXXX and they have asked me to not deal with XXXX XXXX XXXX either. TAKE THIS OFF MY CREDIT REPORT!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Delinquent account

Complaint: yes i cntacted capital one bank on my moms credit card????? about getting a hardship on the loan balance.were they redo the whole loan and get my monthly payments lowered. my lawyer sent them my power of attorney too them???? have not heard back from them too see if they got my power of attorney????? im XXXX XXXX her son.im her caregiver?????

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: There are THOUSANDS OF COMPLAINT 'S FOR ( NATIONSTAR ) MORTGAGE? / DEBT COLLECTOR XXXXLOOK this UP Avoid being CHEATED OUT OF YOUR HOME BEFORE IT 'S TOO LATE Fraud the scam is REAL, It 's happing Know.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Debt collection (Auto debt) with Knight Adjustment Bureau (UT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law XXXX creditors can not collect on the same debt at the same time. -- -Also the debt is past the statute of limitations!! When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. They need to fix this. The next correspondence will be from my attorney ....

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with The CBE Group, Inc. (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received notification on my alerts through  XXXX  that a new credit collection account is appearing on my account at  XXXX ,  XXXX  and  XXXX  on  XXXX   XXXX ,    2017 wi th  XXXX   XXXX   XXXX   XXXX . I disputed the same with documentation. First, the last payment date indicates  XXXX   XXXX ,    2017 wh ich is in the future. Second, I do not have gas service at my present location and have been at my present location of  XXXX   XXXX   XXXX  for over a year. I received not notification of such account and no request for verification of the same. Also I am in the process of purchasing a mortgage to close on  XXXX   XXXX ,    2017 and  ended up paying this amount which is still reflecting as unpaid, even though I do n't believe this account balance belongs to me but possible the new tenant at the location I left behind over a year ago, I paid as I cant proceed with the loan process with the outstanding amount listed in collection. So it is paid in full. I have proper documentation of both my current lease and the paid in full. I am requesting that this account be removed from my credit reports as I was never given proper notification for verification purposes, I was not living in this home during the delinquent period, and I have not paid a debt I do n't believe belongs to me.

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 11/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It instructed me to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer.

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 11-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi. The dispute number XXXX was just opened by someone named XXXX. He basically refused to remove the items in the attachment off of my report. I have stated that the other bureaus have removed them because they know that they are not mine. I have verbally spoken to the XXXX and they verified that I am not in the system. They can not remove something that is n't showing up in their system. The last dispute that Equifax shows in their system was in XXXX, which is incorrect. Equifax has repeatedly shown that they have no regards for the law or for anyones credit since it does n't affect them. As of this morning I have filed a lawsuit against Equifax. I have attached my intent to sue letter with the accounts listed in the letter. I gave them the chance to remove the items and they have n't. They have n't responded within the time frame that they gave. They keep inaccurate records. They finally deleted inaccurate addresses off of my reports after filing complaints. I am going after Equifax for the full amount that the law allows. Their inaccuracies on my report is not helping me and it is hurting my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: In the past I have tried to modify my mortgage using paid modification companies. After so many attempts to try to get help from Wells Fargo, I decided to find a HUD counselor who submitted a modification request but Wells is refusing to review the documents because of the sheriff sale.

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 05-05-2017 about Debt collection (I do not know) with Resurgent Capital Services L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Pinncle, LLC/Resurgent Capital  services only provided temporary relief from my previous CFPB complaint.  Pinncle, LLC/Resurgent Capital  services did not address or provide relief for account number #  XXXX  Reference number #  XXXX . Again I never established a contract with this company. Furthermore you indicated that the debt was made in   XXXX   which means the stature of limitations are in question. A bill is not a contract and a bill does not validate that I do not owe you any money and again my character is being defamed. Again I the the Fair Debt Collection Practices Act is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to secure a loan modification with bank of America with a payment I can afford. On XXXX XXXX we spoke with a representative XXXX XXXX XXXX. I requested on several occasions to speak with XXXX XXXX XXXX, XXXX. I was repeatedly fused the opportunity to speak with her. I have made several request to speak with a Senior Vice President who will have the access to the correct information regarding my file.

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 09/19/2017 about Debt collection (Medical debt) with Capital Accounts, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/XXXXvia telephone call capital accounts llc, the spokesperson stated that I owed a balance that is not accurate. I informed the spokesperson that I filed a complaint with XXXX stating that the balance due was not accurate and my balance was reduced. therefore I said that I was not going to pay the balance because it was not accurate. The spokesperson used sarcasm stating that this matter should have been addressed back in 2012. I 've been informed him to that 7 years past that date The Collection would fall off my credit report he argued with me and stated that it will not fall off. I then asked him not to call me and he said that he will call me tomorrow and again the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Account opening, closing, or management

Complaint: Chase closed XXXX of my accounts and stated they had a right to close any account for any reason or no reason. The funds from the account and fees assessed upon closure in the amount of {$370.00}, have never been received or cashed. Chase continued to assess fees to another account I had and I chose to close the relationship with Chase and closed the account at a bank branch on XX/XX/XXXX2016. See attachment. Afterwards Chase has continued to process transactions on the account and has assessed further fees in the amount of {$200.00}, in addition to the {$34.00} fee which caused me to close the account. See Attachments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have called and sent certified letters in regards to the fraudulent inquiries.I have received the same general response for all inquiries. According to FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that nay information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information for it 's files. One can assume that there was no investigation into the matter since I keep getting the same general response. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. I also have a fraud alert on my account since XX/XX/XXXX to prevent things like this from happening and it 's still happening. I demand that these inquiries are removed or I will take this further. 

Describe what happened so we can understand the issue ... 

I have submitted disputes to remove these inquiries that do not belong to me. I have not received an application or information on how these inquiries that I did not apply for credit on are on my credit. I need help clearing this up. The list of inquiries are below. 
These inquiries are fraudulent. They are not mine. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CA).
Issue: Struggling to pay mortgage

Complaint: Im writing this letter in hopes you can intervene to get US Bank to properly review our loan for assistance options, and keep a family in their home. The issues began when due to health reasons I lost my job of ten years, at XXXX. 

My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to US Bank.

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 06/21/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: Hi, I " Bought Out '' My lease from Toyota Finance about 2 months ago. Toyota then sent me a copy of my title, which had a section on the back filled out incorrectly ( The Agent that was filling this out, stamped the " tax '' section with an incorrect number, and then wrote over the number with the correct number ) When I took this to the NJ DMV, they rejected it because they claimed that no numbers can be scratched out or altered. They however stated that the Tax Stamp could be correctly reapplied to the front of the document and that a new Title was not required in this situation. I figured, " no worries, mistakes happen '' and sent this back to Toyota Financing informing them of what the DMV Manager stated, and specifically stated that Toyota Need Not send a new Title, but correct the mistake. Toyota however, completely ignored my message and shredded my title, ordering a new one from the DMV. This process has taken over 5 weeks and no communication has been made from Toyota as to when I can expect this new Title to get mailed to me or what the status is. When I call, they can not give me an update. XXXX XXXX ( The New Lender Who Bought the Loan ) is stating now that I am in violation of the terms of the loan agreement since the Title information has not been updated to reflect them as the new accountholder, and to update this ASAP. Toyota really dropped the ball on this one, and I am now requesting the CFPB step in and ensure that a new title was actually ordered by Toyota, and get an exact delivery date for this new Title.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: Chase bank raised my interest rate from XXXX to XXXX on my current balance for purchases and any future purchases without notice to me on XXXX/XXXX/16. I tried calling the company who first stated it was done after review of my credit rating. Yet, when I told them my credit rating was steadily improved over the years since I have no late charges or over-balance issues, they stated they could do it periodically without notice to me. I then discovered that they are applying my payments which are over the minimum to the lower interest balance transfer amount before the higher interest balance that they raised without notice to me, so they can get more money from me. I want to opt out of this change and be refunded all interest charged over the XXXX from XXXX/XXXX/16 and I will stop using the card and just pay off my balance. This is unfair for them to raise my interest rate with no reason and without notice to me. I would have been treated better if I was a delinquent borrower/consumer. I should have received notice to have the opportunity to opt out the change.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Other

Complaint: On XXXX J C Penny states that an application for a credit card was submitted for me to get a J C Penny credit card. The problem is I never apply or fill out an applicatiuon for the alleged credit card. They could not tell me if the it was applied for in the store or online. J C Penny would have needed my personal information and i never gave them that. I XXXX had a J C Penny card but when it was paid off they closed the account and since i paid them i felt that they did not want me as a customer so i did not want another J C Penny credit and would never apply XXXX. I have put a fraud alert XXXX my credit reports because of stuff like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/29/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (AZ).
Issue: Trouble during payment process

Complaint: My mortgage company is Ditech. About XXXX month ago I received a notice that my escrow account is short ( XXXX they spreading the XXXX in XXXX  months ) I did not have the money to sent that amount in which now resulted in my mortgage going up from XXXX to XXXX. In the XXXX years I live in my home, I never pay that much in my mortgage.I 'm currently not working and my last paycheck this pass XXXX was use to pay my mortgage. This mortgage company never in advance advised me that my escrow was low. Had they said something, I would of sent them extra from the beginning. I 'm struggling right now and not sure how I will make my next payment. I never have miss a payment on my mortgage and now I feel like I 'm being forced out of my home.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: weiis Fargo continues to show me in arrears on a line of credit account by some $ XXXX which they admit is an insurance charge despite my contention that I have provided them insurance papers.This arrears listing has cost me numerous credit applications and they promise to correct it but have not/ How do I, a little old retiree stand a chance against such a monsterious corp. Thank you for any help.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with MicroBilt / PRBC (formerly CL Verify) (FL).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint: I do not understand where this inquiry came from in my report. I do not know what company is microbilt corparation

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In my private student loan there are multiple issues. 
1 ) I have a student loan with Navient and I have reason to believe that they are doubling on my rates to keep me behind in my loan. I requested the original loan documents on XXXX of XXXX, XXXX of XXXX, XXXX XXXX and just recently XXXX XXXX XXXX. I have yet to receive any documents for the specific account I am talking about. 

2 ) I believe they have changed the initial interest rate and are charging an excessive amount of late fees while approving a forbearance and allowing me to not pay down on my loan while it accrues interest. 

3 ) How can I have different " loan accounts '' for the same school achieving the same degree? Shouldnt this allowed to be consolidated into one loan that I can pay for instead of several different loans with a minimum payment of XXXX dollars. There is no way to get out of that type of financial debt unless I was making hundreds of thousands of dollars per year. 

Lastly, a cosigner, XXXX XXXX was never a cosigner. Trying to obtain the original loan documents was the reason to prove she was not a cosigner and I have been unsuccessful in doing so for several months. 
I have reason to believe Navient is exercising unfair practices to get me to pay for loans that were designed to be impossible to pay off. In one of the documents they state they have " updated the terms of my loan ''. I will get this messge about every quarter, is it normal for a company to change the terms of an agreement whenever they want? It seems very suspicious.

Company response to consumer: Closed with explanation