milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: From XX/XX/XXXX to XX/XX/XXXX, Wells Fargo Home Mortgage/American Servicing Company, Repeatedly, had us completing Home MOD Documents, every three months, and denied us every time, as we fellook behind on or mortgage ddue loss of income and excessive medical bills, Wells Fargo/ASC forced us to fill for chapter XXXX bankruptcy on XX/XX/XXXX which was accepted, On XXXX XXXX, XXXX Wells Fargo/ASC, sent their vendor and had our front door locks top and bottom drilled out, placed new locks on our front door, as well not leaving a key, but also leaving ore front door completely unlocked, after we had filed for bankruptcy. PLEASE HELP! DUE TO THEIR FRUADULNT PRACTICES WE HAVE LOSS OUR HOME, WE OWNED SINCE XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Student loan (Federal student loan servicing) with Reliant Capital Solutions, LLC (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have been in contact with XXXX XXXX from Reliant Capital Solutions on behalf of XXXX XXXX University beginning before XXXX XXXX, 2017. I have spoken with him concerning my defaulted XXXX loan. I explained to him that I recently entered into an income based repayment plan for my other federal student loans. He advised me to complete a loan consolidation. He also stated that he would walk me through the process. After looking up the consolidation process online I noticed it may not be in my best interest at this time. I advised XXXX multiple times that I am working with my sister on the best option for me as far as my student loans. I am more comfortable working with her. He is continuing to call me every day from various numbers ; XXXX & XXXX to list a few, after business hours XXXX-XXXX EST. At this point each time I take a call from XXXX he gets more and more rude and agitated that I will not complete the consolidation with him over the phone. " At this point I can not keep putting this off any longer. I am trying to help you. I will have to mark the file as a refusal to pay the $ 3,000+ for the loan balance '' his exact words. I advised him again that this is NOT a refusal. I am working with someone to figure out the best means for me to pay the loan. I can not afford to pay the full amount at this time and am working on a repayment plan. I am working in public service and am trying to see how that would affect me before consolation which would ultimately increase my monthly payment amount exceeding my allowable income to expenses ratio. I advised him that I have his contact information and will reach out to him once my decision is made. It seems as though he is trying to get me to say I am refusing to pay. He is trying to rush me into making a decision that will affect ONLY me. It is very harassing and I have never been treated this way. This is not a good representation of XXXX nor his company. I have call records of all times and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/31/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (FL).
Issue: Trouble during payment process

Complaint: We continue to receive in written form contradictory threats and actions both confirming our payments and compliance and denying such! Hence this bank now advises they are initiating foreclosure on a "missed" payment that was actually in the bank at XXXX XXXX  XX/XX/2017 as confirmed by the US Postal Service! Furthermore their own Disaster Forbearance dept.acknowledges the prior payment errors. Confirming information sent to the OCC and them for this purpose We find their actions alarming and no excuse that one department does not know what the other is doing. This is perceived as a deliberate attempt to secure a rewrite of the mortgage and place better terms more favorable to the upon us, or foreclose to take the home when we are by fact UP to Date!. We are at the mercy of either incapable people or plain frauds? They have been paid according to the initial agreement as defined and THEY have altered the repayment days themselves. All of this in writing and on their letterhead which I am holding for legal review if required.  You can certainly request copies of all correspondence! Copies if all payment's sent to the USbank Disaster Team and the OCC with documentation of delivery receipt and posting!

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 05/31/2017 about Checking or savings account (Checking account) with KEYCORP (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Key Bank acct  XXXX   XXXX   XXXX  on Tuesday  XXXX   XXXX  my account had a positive balance of {$7.00}, then deposited {$57. 00} ( cash  ). on wendsday  XXXX   XXXX , I saw they slipped in an over draft charge, but before and after the charge according to the online register my account was never overdraft. how can I get an over draft charge when my account was positive Friday night, Saturday, sunday and Monday and Tuesday.     I guess they feel they can slip a f ast one by cu stomers, they could not offer me an explanation at all. I feel like the bank has taken advantage of a veteran, over the weekend we should be thanked for our service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: TRANS UNION I S USEDING THIRD PARTY COMPANIES TO OBTAIN INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATIONS OF FCR A I MAY BE  ABLE TO SUE IN STATE OR FEDERAL COURT #  XXXX    XXXX   XXXX   XXXX   #  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/16/2016 about Debt collection (I do not know) with States Recovery Systems, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been a victim of identity theft. It has been documented with the necessary police report and affidavits. This company States Recovery System refuses to delete the account from my credit file according to FCRA regulations despite being provided with the documents on several occasions via fax and certified mail. I hereby request account XXXX ( originally First XXXX XXXX ) be deleted immediately and no further action taken in regards to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Debt collection (Credit card) with Northstar Location Services, LLC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is a work phone contact and Northstar Location Services , LLC has repeatedly called me and various people with whom I work about collecting on a debt. They have been informed that this is a work phone and that I can not have these calls yet they continue to call multiple times per day during work hours.

Company response to consumer: Closed
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: id theft victim everything enclosed police report enclosed hippa riights and cra

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 04-08-2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Choice Recovery has acted deceptively with respect to my account and my wife 's, attempting to collect on a debt that is already paid, and filing false reports with credit agencies. They accepted referral of a debt that we were actively disputing with the original creditor. We were working with a consumer hotline ( the XXXX XXXX ) that had taken our case and was negotiating with the original creditor, who had been misleading in their business practices, but they aggressively referred it to collections rather than work with the hotline. As a result of the threat of collections, we paid the debt to the original creditor ( under duress ) in full on XX/XX/XXXX for both accounts. However, Choice continued to contact us claiming we owed the debt. On XX/XX/XXXX, weeks after the debt was settled, they falsely reported it to credit agencies as unpaid. This is despite the fact that they claim in letters that they will not report debts to credit agencies if they are paid within 31 days of the first contact, as this one was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received no information regarding this debt. When contacted company was hung up on multiple time. I have not received any documentation support that this debt is even mine and collection agency refuses to send any or answer any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Briefly, a nightmare involving Identity Theft dating back to XXXX when someone open a credit card using my personal information. 
SEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. 
This was supposedly resolved with Chase Manhattan in XXXX. 
A company named XXXX XXXX XXXX appears to be abusively recycling this old Chase account even though they were responded to in XXXX and it appears that they may be doing this with Chase 's help. 
A total nightmare going back over XXXX years that should simply never be allowed to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: this is my XXXX time to file a complaint because Nationstar has not resolved this problem. I am filing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX. XXXX XXXX sold her home on XXXX XXXX 2015 and the fund were wired to the Lender. It is know XXXX the XXXX and XXXX XXXX keeps receiving late notices. There has been no release of lien recorded as well. Needless to say XXXX XXXX is very upset and Nationstar continues to perform at an unacceptable level. Her loan number is XXXX. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2017, I sent a wire to GDAX for {$5000.00} USD to be deposited into my GDAX wallet. They were not able to apply this wire to my account due to a name mismatch. Coinbase then emailed me saying to allow up to 7 business days for the funds to be returned and that if it took any longer than that to contact their wire support team through email. After seven business days I sent an email and received no response. Now its been ten business days since I originally tried to send the wire and I still have not received the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX : Back in XXXX+XXXX of XXXX, I was in the middle of an ugly divorce. My Ex Wife was responsible for all the monthly bills but she never paid a XXXX  CC bill totaling {$8.00}, and as a result, I now have a 30 and 60 day late flag on my credit. She later admitted that she intentionally ignored it, but i have absolutely no recourse. Regardless, for {$8.00}, is it really worth significantly impacting someone 's credit over it? I didnt receive a phone call from XXXX XXXX until it was 60 days past due, which I immediately paid and also made a request for them to please reconsider impacting my credit as a result of this. I pay all my bills, yet i now have to explain this situation every single time I 'm buying a car, a home, a student loan, and even at XXXX for my cell phones. Things happen in a divorce, and this was an intentional act to sabotage my credit and she succeeded. How can i settle this once and for all with XXXX XXXX? 

CHASE MORTGAGE : Due to work relocation from XXXX to XXXX, we had to move and sell our house wherever the market was at the time. Unfortunately it was at bottom. Our appraisal came in so low that we were short the amount to pay off our 2nd mortgage, which was with Chase. We offered to refinance and carry the debt and continue to pay it when we move to XXXX but the collateral to that load was my home in XXXX. We negotiated with them that we 'd pay whatever we could at that time and since the govt was insuring these loans back then, they agreed to not process the closing of this account as a short sale. Unfortunately they DID process it as a short sale and I have n't been able to buy a home going on 6 years now as a result of that. It ended up being a scam. They got reimbursed by the Fed, and I got killed with a short sale. Why..? I never had a late payment on that loan, ever. I have 4 credit cards with Chase today, never

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX, I purchased a home at XXXX XXXX XXXX XXXX in XXXX, Maryland XXXX. This was my dream home and I had no intention of ever moving again. Unfortunately, my dreams were short lived and shattered. First the title company failed to inform me that that would be an additional XXXX County tax added to my regular property taxes after a period of one to two years into the mortgage. When this additional tax was added to my mortgage, I could no longer make the payments and fell behind in my payments. In XX/XX/XXXX CHASE proceeded to harass me with foreclosure notices, even calling me on Sundays threatening me. I pleaded with CHASE to help me remain in my home. Finally, CHASE said they would consider a modification to my loan but I would need to submit {$3000.00} in order for them to do the modification. I only had {$3000.00} because I had recently had to pay funeral expenses for both my mother and grandmother. Although this was all the money I had, I was happy to send it because I assumed CHASE was going to help me remain in my home. I was sadly mistaken. CHASE notified me that they were not doing the modification, kept my {$3000.00} and WENT UP ON MY MORTGAGE BY {$10.00}. CHASE NEW IN ADVANCE THAT THEY HAD NO INTENTION OF MODIFYING MY MORTGAGE AND YET TOOK ADVANTAGE OF ME BY REQUESTING AND KEEPING MY {$3000.00}. I FEEL CONFIDENT THAT CHASE HAS DONE THIS MANY TIMES TO VULNERABLE HOMEOWNERS. I SEE CHASE AS A CORRUPT, GIANT, FINANCIAL BULLY THAT NEEDS TO BE BROUGHT TO JUSTICE. I recently found out that banks do not lose money when homeowners default on their mortgage loans as banks have insurance on mortgage loans. This means the bank is paid twice for a home, once from the insurance company, and then again from situations like mine, where I was able to successfully complete a short sale. A realtor suggested that I attempt a short sale to prevent having a foreclosure status listed in my credit report going forward. Sadly, this is what I did, and was able to sell the home for an amount that Chase accepted. Losing my home defeated my spirit and broke me as a person. I still have not recovered from my loss and I know I never will. I became ill shortly after the short sale with XXXX XXXX XXXX and was forced to retire, live on a monthly benefit payment, move into rental housing that I absolutely hate. CHASE should not be allowed to get away with this crime. I literally was robbed of my home as CHASE could have helped me remain in my home. They knew before they took my money that they had no intention of granting a modification. How many others, like me have had to be treated this way. I just can not believe CHASE should be allowed to treat me and others this way. CHASE should be brought to justice. Please help me to remedy the disservice CHASE did to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Medical debt) with VELO LAW OFFICE (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Velo law has hit my credit several times for the same debt. They change the last four of the account number to hit my credit numerous times even though its the same debt. When I dispute the debt and it gets removed the change the name of the debt collection agency and put it back on. They have single handedly ruin my credit and made it so I could not buy a house! The original debt from XXXX XXXX XXXX is over 7 years old and the collection debt is more then 5 years old. I have contacted them several times and pet them know the debt is too old for them to collect on!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit card () with AMERICAN EXPRESS COMPANY (PA).
Issue: Closing/Cancelling account

Complaint: I returned a call from American Express. I was told that I called an told them to cancel my request for an Everyday American Express Card and they have sent me out a letter that they considered my request a " fraudulent credit request. I do n't care about the card, what does concern me why did they say this. Why would I purposely put a spot on my credit with making a Fraudulent phone call. The credit card is not important here, but the fact I have been accused of a Fraudulent phone call I did not make. I 've been away from home since Friday ( XXXX ). returned Sunday ( XXXX ) and have not had any verbal contact with American express in over XXXX years and have not made personal or any type of phone call in over XXXX week I basically do not use or make calls,. and when I did I only spoke to a phone service. I am hurt that what they say and what I have done do not match and that I am accused of something I did not do. Here lies my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: My Citizens Bank account ( XXXX ) was compromised by a hacker. Whoever it was attempted to access my accountant. The problem was discovered, when I attempted to log in through my mobile app. The XXXX asked me to contact my bank because I was locked. In a previous phone with XXXX, I was informed that someone attempted to hack my account because the log-in location did not match my usual login pattern. They immediately escalate the incident. Citizens Bank, however, did not investigate as promised but instead they reset my password but I was still unable to log-in. During all my frustration, I transferred funds from my business account to personal account which is a separate ID. In the confusion I transferred it funds to the wrong account. I attempted to log into account after the password was reset from my mobile app and I was locked out again. Yesterday, I came in I did not get a chance to check my account. This morning the confusion of the deposit was discovered as a result my bank is charging me {$35.00}. I try to explain that my account was hacked, but my security question prevented any withdrawals. My bank refused to refund my XXXX and tried the entire incident as my error. I am still unable to use my mobile app and XXXX had reset my password again. The only way I can access my personal account is via a PC. Until I call this morning, my treated the attempted hacking as a user error, instead of, changing my user ID. I need my funds back because I am stressed and on high alert. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Unsolicited issuance of credit card

Complaint: Several months ago I received an unsolicited credit card from Citibank. I NEVER activated the card.I went to COstco to pay my fee by another means and was told I could n't becasue Citibank had already billed me. 
I cancelled my Citibank card but was never able to get the charges removed. 
They also charged me a late fee and interest even though I had cancelled my card before the payment was due. Citibank took the extra charges off my account but i was still forced to pay the annual Costco fee before I was able to close the Citibank account. 
I live in California and thought that consumer protection in this state was having to activate I

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 06/29/2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: These people keeps calling for a payday loan that I never applied for. Threatening me with civil actions if I do not pay. Calling my family about this payday loan and threatening them with civil action. Everyday calling me and leaving me computer messages. These people are horrible scammers please help.

Company response to consumer: Untimely response