milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX reported my account 30 days late for XX/XX/XXXX to both XXXX and Equifax. My payment was due X/XX/2017 and my account was paid on X/XX/2017, which is NOT 30 days late. X/XX/2017 is the date the payment shows as being made on my receipt from XXXX and this is the date the actual funds were deducted from my bank account as I have it set-up as a direct debit payment. XXXX XXXX has been nothing but a problem to me and my family. My husband was hit by a vehicle inXX/XX/XXXX and the motorcycle we had financed with XXXX was totaled. We were having to pay for a rental car as well as still making the bike payment to keep our good credit while we waited for the insurance claim to be paid. This was a struggle for us to pay both and now XXXX has made it worse by ruining our credit with these late pays that are n't even accurate. They do n't care about their customers and the research I 've done on them affirms this as they have a " F '' rating with the BBB.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I have attempted for the last 2 years to work with Ocwen loan servicing in reviewing to modify my current loan. Each time they contact me they claim they have not received any of the paperwork I have faxed/emailed/mailed. This company can give me no reason or resolution as to why they have not received any of my paperwork and due to this they cant move forward with any assistance on the loan.

Company response to consumer: Closed
Consumer complaint received 03/17/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Using a debit or ATM card

Complaint: My debit card for my husbands business account had expired by a month and I went to the branch to have a new card ordered. At the branch the teller told me that I would have to call the number on the back of the card to get a new card. Once I called the number, we established that the address on the account was to our old address and that is where my card went. She told me that we needed to change the address on the account and to call in when that was done and she would order me a card. My husband went on line and change the address for my card. He also tried to order the card, but since it had my name on it they would not allow him too even though it was for his account. So I called the number on the back of the card again and then they told me since we changed the address that they could not issue me a card for 30 days or that I could go into the branch and have one ordered. That afternoon I went to the branch and asked them to order me a card and again they told me they could not issue me a card and I had to call the number on the back. I proceeded to tell them that they told me to do it in the branch. Then the teller said well the personal banker would have to do it. On that day there was only 1 personal banker in the branch and that it would be an hour wait. We could not stay that long and so I am still without a debit card. My card expired in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with CITIBANK, N.A. (MA).
Issue: Billing disputes

Complaint: I purchased a pair of shoes from Macy 's in XXXX. They did not have the shoes in stock so they were having them sent from the XXXX store. 
The XXXX store called me a week or so later saying they had made a mistake and did not send the shoes. They were no longer in stock and they would credit my account. 
They did not and I have contacted Macy 's XXXX XXXX by detailed letter. I then recieved a response from Macy 's Biling Adjustments saying the shoes were sent and received and they have considered the matter resolved and closed their investigation.

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 10/16/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan modification,collection,foreclosure

Complaint: My home was foreclosed in XXXX and the foreclosure was complete in XXXX i have recived the transfer of deed from my name to Bank of America the complaint is its still on my credit report and would like it removed from my report so i can start new with my family i have requested for it to be removed but i have still yet to hear from them

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 02/14/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (IL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have an account with Coinbase since XX/XX/2017. My identity got verified, and I started adding money to this wallet and transacting in cryptocurrencies. On XX/XX/XXXX, trading was XXXX on my account when I tried to add a new bank account. I sent in requests to check what the issue was, but I never received a response. After a few days on XX/XX/XXXX, I finally was able to get a hold of a customer care rep on the phone after holding for XXXX hours, who gave me a case # XXXX. She told me that she had expedited my case and specialists would be looking into the matter, and it should be solved within XXXX business days. By this time, I was not able to log into my coinbase or XXXX account. I was not able to access any of the funds in my account, conduct any transactions of buys/sells, or transfer my money to a different platform. I didn't hear from them for another month. I called customer service again on XX/XX/XXXX to check in, and the customer service rep was confused about why the case was taking so long or what the issue was, but said that specialists were still looking at my account and would be in touch when the issue had been resolved. It's been 15 days since then XXXX XX/XX/XXXX today ), and I haven't received any communication from their side. I still can not log into my account or access my funds. Coinbase is taking an obnoxiously long time to enable trading on my account again. I should at lease be able to log into my account and move the funds away if I want to. This is absolutely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I ordered XXXX {$300.00} visa prepaid card on XXXX ( order # XXXX ) on XXXX/XXXX/15. The order is supposed to be fulfilled by XXXX. I called XXXX on XXXX/XXXX/15 because I did not receive the prepaid cards. Agent requested me to wait until XXXX/XXXX/15. I called again on XXXX/XXXX/15, and agent agreed to void the old cards and ship XXXX new cards ( Call Reference # XXXX ). I called XXXX again on XX/XX/XXXX, agent said that they have not resent the prepaid cards, but they agreed to send it soon ( Call Reference # XXXX ). I received a phone call from XXXX on XX/XX/XXXX, and they stated that those cards have been used already. I requested a full refund on XXXX/XXXX/15 ( Ticket # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing " impersonates itself '' as XXXX -intentional misrepresentation of material facts, 1692e and possible mail fraud under 18USC 1341. 
Please see attached. [ Exhibit on the purported " trustee 's deed upon sale, '' scan XXXX, will be sent via fax. Unable to upload due to size of file. ] Thank you for your help in upholding and enforcing Federal consumer protection laws.

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 06-04-2015 about Debt collection (Credit card) with LTD Financial Services, LP (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: on the week of XXXX XXXX 2015. I received a " Debt settlement offer '' dated " XXXX XXXX, 2015 '' from LTD Financial services for a debt in the amount {$1500.00}. I did not recognize this debt as mine so I attempted to called LTD financial services to inquire about this alleged debt. I asked the phone representative to verify the social security number on the account. I gave him the last XXXX numbers of my social and he said that it did not match the number that they had on file for the debt. I asked him if they could then remove the fraudulently assigned debt from my credit report. the representative stated that I was a liar and that the debt was mine and that I was making social security numbers up to get out of paying the debt. I was called a " XXXX '' by this person and the representative implied that someone would visit my home to collect on the debt if I did not pay. after this phone call I sent a FDCPA verification letter to LTD requesting verification of the alleged debt which is currently fraudulently assigned to me ( LTD REF # : XXXX XXXX ) on the XXXX of XXXX, 2015 via certified USPS mail with return receipt. on the XXXX of XXXX I received the delivery receipt from USPS confirming that someone from LTD signed for, and received my verification letter. on XXXX XXXX In response to my request for verification under the FDCPA I received another settlement offer letter from LTD. on the XXXX of XXXX I mailed another letter to LTD reminding them of my verification request and urging them to fulfill their legal obligations under state and federal law. to date I have not received any form of verification of this alleged debt from LTD financial services. I believe that LTD has willfully fraudulently assigned this debt to me. this debt is affecting my ability to refinance my mortgage. the CFPBs mediation in this matter is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (SC).
Issue: Account opening, closing, or management

Complaint: My bank account was fraudulently used to where now my credit and opening a bank account privileges have been severely affected. I contacted the bank immediately and they were not helpful and actually quite rude when it came down to it. I am highly upset because through no fault of my own, my future with other banks/creditors has been adversely affected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Account opening, closing, or management

Complaint: i see a account that never was closed out number one number two i have a saving account that i really did not open and number 3 a whole bunch of open claimes that are being filed by the bank please take a look at my account as i am a victem as well i beleive

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 12-05-2017 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (PA).
Issue: Trouble during payment process

Complaint: I have a mortgage with M & T Bank. I have gone through bankruptcy and have had a modification. A program I thought was suppose to make home affordable. Instead, my mortgage continues to increase and I am not understanding why that is. I want and need to know if M & T Bank is acting accordingly when it comes to my mortgage.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
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: On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both Equifax and XXXX XXXX XXXX. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The EQUIFAX /XXXX XXXX XXXX needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the EQUIFAX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2018 about Mortgage (VA mortgage) with RoundPoint Mortgage Servicing Corporation (TN).
Issue: Struggling to pay mortgage

Complaint: RoundPoint still did not address my issue as to why I could not log into my account on XX/XX/XXXX to pay the {$5000.00} that I had toward my mortgage payment not could I pay it over the phone. The representative on Saturday XX/XX/XXXX told me that he could see where I was trying to pay it and was not allowed to do so. My mortgage would not be in foreclosure could I have logged into my account on XX/XX/XXXX. I need an explanation. 

I tried prior to midnight several times over the phone and on the internet, check the records because I have my phone records as well as proof that I tried on the internet therefore, WHY WAS I NOT ABLE TO PAY IT USING THESE 2 AVENUES. Check your records, I have been paying via internet the last several payments that were made.

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 10-01-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 My Certified Residential Housing Counselor and I place a call to Wells Fargo to apply for a VA modification due to my house is in foreclosure and have a sell date of XXXX XXXX, 2016. We was put on hold for around 25min, when we finally was able to reach an agent to assist us after the preliminary information was given we were disconnected, we again called again, waited about 12 min this time and once again when we was finally able to connect to an agent that was able to assist us and again after the preliminary information was given we was disconnected again. Therefore we called again for a third time and waited for about 12 min, was connected again and once again after introductions we were disconnected. It was a very frustrating experience, I do not want to lose my home, I have apply for a modification a few months ago but was denied due to my income, my income has now increase and I am an XXXX member of the XXXX. All I want is a fair chance to save my home

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 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BMW Financial Services NA, LLC (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: Hello, I filed a complaint with the BBB about BMW Financial on XX/XX/XXXX, the why I filed a complaint because BMW was reporting a  late fee to the credit bureau and not the initial car payment then they retro-acted my credit report and reported XX/XX/XXXX and XX/XX/XXXX 30 days late when it was once reported paid as agreed. Of course the complaint when in to favor of BMW. But, I filed another complaint with BMW on XX/XX/XXXX, because the sent me a letter stating that I own late fees so I called BMW and their representative contacted the credit department and the credit dept stated all of the extra money goes toward the car-note, and not the late fees. I told that representative that I have never heard of such because you ca n't separate the late fees from the car-note because its one payment. Then the representative tole me if you do n't pay it, it will go towards your car-note, and for the month of XX/XX/XXXX your car note will increase by XXXX dollars, but if it remains as a late fee we want report it to the credit bureau. The document of the outstanding late was a cover-up because they reported the late-fees to the credit bureau therefore they had to put something in black and white. So I contacted XXXX from the BBB locate in Ohio who investigated the first case he also agree, and I sent him documentations also and he ca n't find any late fees ... .BMW did this because of retaliation, and now they are harassing met, and reporting false information to all three credit bureaus.

Company response to consumer: Closed with explanation