milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (AZ).
Issue: Settlement process and costs

Complaint: I 'm writing to complain about the money-handling practices of Wells-Fargo and its subsidiary Americas Servicing Company. 
On XXXX XXXX, 2015 we completed the sale of our home which had a mortgage through the aforementioned company. At the time of closing, there were funds due back to us from the mortgage company. 
Despite Arizona law requiring the funds be returned to us within XXXX days, Wells-Fargo has not delivered the money as of this writing, XXXX days later, on XXXX XXXX, 2015. 
A telephone inquiry to Wells-Fargo resulted in us being told that the check had not been issued until XXXX XXXX ( XXXX days after close of escrow ), had not been mailed until XXXX XXXX ( 21 days after close of escrow ), and that we should expect first-class mail in the continental United States to take 10 business days ( XXXX weekdays + XXXX weekends = XXXX days or XXXX days after close ). 
It appears that Wells-Fargo is introducing unnecessary delays into the process so they can hold money they do n't own for as long as possible. Their representative claimed that they met the requirements under the law " by issuing the check '' in under XXXX days. Apparently, the company 's definition of " issuing '' does not include putting it into the mail which they claim happened five days later. 
I 'm skeptical about even this, giving two days for first-class delivery, mailing can not have happened as late as XXXX XXXX, or the proceeds would already have arrived. 
I requested that the funds be wired to my account, but the bank claims they have no facilities for such a thing. (! ) In all, I 'm very disappointed and frustrated that this company is not following the law, nor acting ethically in dealing with consumers. ( This after years of never having a mortgage payment to them be even one day late. ) I 'd like to ask for your help in obtaining the money we 're owed from the bank, forthwith, and that you take what action is in your power to have the bank sanctioned until it can operate with honor and integrity, and within the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Struggling to pay mortgage

Complaint: Upon reviewing my mortgage documents I shockingly discovered another loan number and are inquiring. It says  Loan no .  XXXX    XXXX   XXXX   borrower   XXXX   XXXX   XXXX   XXXX  , mi  XXXX . dated  XX/XX/XXXX  &  XX/XX/XXXX    ID #  XXXX . THIS COUPON MUST ACCOMPANY PAYMENT of  XXXX  To ;  chase manhattan  mortgage corporation attn : financial process dept.     XXXX   XXXX   XXXX   XXXX  .     XXXX   XXXX  . Ca  XXXX  Please explain to th e CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
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 have attempted to contact Experian and provided the supporting documentation. 
Experian Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered areXX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to Experian first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XX/XX/XXXX and XX/XX/XXXX Experian is in violation of Section 623 ( a ) ( 2 )  of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

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 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I was instructed to wire a deposit to Coinbase, so I followed their instructions. However, there was no space in my XXXX Wire Transfer form for Coinbase 's specific alphanumeric reference code, so 1 day later, I made an amendment request through XXXX to amend the " special instructions '' section to include it. At the time, Coinbase promised the deposit will be available in 3 days, or that it will be reversed back to the bank that had sent the funds within 5-10 business days. It has been over 30 calendar days now since I first submitted the wire, and I have still not received the funds into my Coinbase account or back into my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (I do not know) with Hunter Warfield, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 I contacted XXXX with XXXX at XXXX XXXX in concerns with a listing on my credit report in the amount of {$470.00}. XXXX stated that she checked he system and wasn't sure of why her company is listed on my credit report. She then stated that she is the assistant manager and she is not sure the debt is even true. She advised me to contact Hunters Warfield and see what information they have because if its being reported by them then that means they no longer own the debt and she doesn't want to discuss something that she knows nothing about. On XX/XX/2018 I contacted the XXXX in regards to a listing on my credit report. I spoke to a rep by the name of XXXX Id # ( XXXX ) I advised him that I wanted to file a dispute with a company called Hunter 's Warfield in the amount of {$470.00}. XXXX was very unhelpful, he basically refused to file my complaint. I contacted Hunters Warfield on XX/XX/2018 and spoke to the rep by the name of XXXX Id # ( XXXX ). I contacted her because I was concerned with this item that listed on my XXXX report and also listed on my Husbands XXXX, XXXX, XXXX report. XXXX advised me that she has no item in her system for this amount and was unaware of the account in questioned. On XX/XX/2018 I contacted the National Legal Aid for assistance

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Mortgage (Other mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Santander Bank failed to settle Federal Complaint under The Consumer Credit Protection Act in connection with vi0latioin of The Fair Credit Report Act by Santander Bank. Santander Bank wrongful course of action Is as stated be unfair billing, not providing license to collect a debt, and not providing a validate OMB control number under the Paper reduction Act of 1995. Escrow account is increasing at the same time the payments for the mortgage are increasing.

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
Consumer complaint received 11-12-2015 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Managing, opening, or closing account

Complaint: I am trying to open an American Express Serve prepaid account XXXX After applying successfully online, I was asked by email to provide additional identity verification documents, at which point I provided images of my US Passport and a recent XXXX credit card statement. I called in to American Express Serve to verify and was told these documents were received properly. I was instructed it would take 24 hours for review. 

A few hours later, I received two emails, spaced one minute apart ; the first notifying me my Serve account was " locked '', the second stating my account was " suspended '' per Member Agreement, section : XXXX D. 

I called XXXX and spoke to the XXXX team several times but was unable to obtain more information as to why my account could not be opened, or was " suspended '' just hours after my application was submitted. The representatives were unprofessional and terse, just instructing me to refer to the email, which ( attached ) is very sparse in details. 

Trying to understand why this newly applied-for account was suspended was even more challenging as it was difficult to communicate with any of the XXXX representatives. All XXXX were based in the XXXX and spoke with heavily XXXX XXXX, forcing me to ask several times for them to repeat themselves, as well as for me to have to repeat myself while speaking slowly. Finally, upon asking for a supervisor, I was first placed on hold for 58 minutes before my phone was devoid of power and the line disconnected. The second time I called and requested a supervisor, I was told s/he was preoccupied and would return my call at a later time, only for me to not receive any calls back. 

Although the representatives were unable to explain the suspension, in reading through section XXXX D of the Member Agreement, there is mention of potential fraudulent or inappropriate activity. Having only applied for the account hours ago and not receiving any card or account number, I have n't had the opportunity to even make use of the XXXX account, much less engage in any activity violating the Member Agreement. 

I 'm not sure what is more bewildering, the decision to suspend my account before I could open or use it, or the ineptness of the customer service agents in not being able to assist me. 

I am simply looking to open an American Express Serve account for XXXX shopping.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: A payment {$2600.00} was sent to XXXX XXXX ( serviced by Navient ) and was posted to the wrong student account. Since Navient found where it was incorrectly posted, Navient has made XXXX manual entries trying to post the {$2600.00} payment between XXXX of my private loans and backdate it to XXXX/XXXX/14 ( the date it was posted to the wrong student account ). The payment still has not been posted correctly after six months and XXXX entries. After numerous calls and countless hours dealing with Navient 's Customer Service ( you ca n't speak to anyone who actually posts your payments or knows how it works ), I finally found someone who would request my account be audited by Navient 's " Finance Dept '' regarding my payments and the interest paid in 2014. I finally received XXXX separate letters from Navient for each audit ( payments and interest ). The XXXX letter said the interest I paid in 2014 was {$53.00} ( I made XXXX payments of {$210.00} each in 2014, plus the additional {$2600.00} payment ). The XXXX letter showed all of the " payments '' in 2014 with a breakdown of how much was applied to Principal and how much to Interest. When you add up the Interest Navient showed, it totals {$3200.00}. Please explain to me how XXXX letter says interest paid in 2014 is {$53.00} and the other letter shows {$3200.00}. The letters were dated XXXX day apart. Neither letter is correct. Navient has made so many errors I do n't know if anyone can fix it, but certainly no one at Navient is capable of doing it. I am so frustrated with not being able to talk to anyone at Navient who understands Accounting and can see the errors made in the XXXX entries they have made. I am hopeful CFPB can research and reconcile my account and ensure Navient processes the correct entries to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Deposits and withdrawals

Complaint: I went to Bank of America Branch XXXX on XXXX XXXX XXXX in XXXX XXXX Every month I deposit my rent in landlord BOA Account. I usally do a cash advance from my credit card and then deposit in landlords account. Branch was unable to process cash advance due to their machine being offline. Teller manager suggested I go to branch XXXX on XXXX XXXX XXXX as their machine was working to process cash advance. Went to branch and was told by teller that BOA did not process cash advances for non-customers. As I have done this at BOA for the past two years I went to manager for clarification. the manager, XXXX XXXX told me that BOA stopped doing cash advances for non-customers about one year ago. I questioned this again and again but was sternly told they would not process this. I then call BOA corpoate and was told I was lies to. I filed a complaint through BOA corpaorate and the first branch I went to. Both said BOA did process cash advances for non-customers and I was not told the truth.

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 03/30/2016 about Consumer Loan (Vehicle lease) with PRESTIGE FINANCIAL SERVICES INC (VA).
Issue: Managing the loan or lease

Complaint: I agreed to have an ach payment from my checking account on XX/XX/XXXX and they drafted the payment on XX/XX/XXXX which caused my account to become negative i sent screenshots to them and they said they would take care of it, I adviced them because of there mistake and the ripple effect of other bills taken out of the same account that i needed sometime to get my affairs back in order. They harrassed me about the payment and asked have i ever made a mistake. I then emailed them a Cease and Desist as I would be contacting a lawyer for advice. They are still calling, texting and emailing me still.I have voicemails and emails if needed

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 08/15/2017 about Debt collection (Other debt) with EQUIFAX, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am requesting for XXXX XXXX of XXXX to remove and block this fraudulent account immediately from my Equifax credit report. Your company as well as Equifax recently deleted this item from my credit report. Your company as well as Equifax have violated my rights under FCRA by reinserting recently deleted on my credit report without first notifying me within five days. Why have your company violated my rights? I am seeking punitive damages as well as {$1000.00} from your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Good Afternoon, I have made several attempt to contact experian credit bureau for an inquiry that is  XXXX   XXXX ,  XXXX   XXXX  and today  XXXX   XXXX   XXXX  reported for the incorrect date of removal  XXXX   XXXX   XXXX  Date :  XXXX  unspecified Reason : This inquiry is scheduled to continue on record in  XXXX   XXXX . That inaccurate it should be  XXXX . They refuse to remove.   Please Help Thank you

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 08-10-2016 about Debt collection (I do not know) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had a prior case against a different entity, but this seems to be the same entity under a different name based on what they said when I told them I do not know the debtor. Last complaint number was : XXXX. The current entity harassing me is called CMRE, and XXXX XXXX continues to call after they assured me my number has been removed from their call list. I am not the person they are seeking and they have become rude, threatening, and have hung up on me numerous times.

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 02/15/2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Other

Complaint: By mistake, I schedule payment of my monthly amount due to TD Bank. Unlike other credit cards sites, I was not warned that I was scheduling the payment twice. I noticed that money was removed from my XXXX checking account twice on XXXX XXXX, 2016, so I called TD Bank and asked them to send me the full duplicate amount back. Since I do n't have a checking account with TD Bank, representative told me it would take them from 2 to 3 days to send me a check. As I did not get a check, I called them again last week, and was then told that it takes them 8-10 days to send the check. It 's been over 10 days, I am yet to get a check, and when I called them today, they could not tell me when the check will arrive. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Capital Accounts, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was sent to collection for a vet bill. I never had the opportunity to resolve the debt as it was sent to the incorrect address. After noticing it on my credit report I contacted the debt collection agency for XXXX reasons. 1 is the amount is incorrect and 2 I had made a payment towards this bill. I have a copy of the original bill which was {$420.00}. I was put into collection for {$660.00}. I requested several times for a breakdown of this difference in the amount owed. I never received the breakdown. I was told to allow at least XXXX weeks to receive it as they have to receive it from the original creditor. I was also told if they do not receive it within 30 days the debt would legally have to be cancelled. I attempted to contact the debt collector again the last 2 days and they will not take my call. I am very upset over this as the amount being reported is wrong and my payment I made is not being reported as well. It has been well over 30 days. The original creditor is XXXX XXXX Hospital. The collection agency is Capital accounts ... .acct # XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Carter-Young, Inc. trying to collect a debt from me by stating that I co-signed for XXXX. I did not co-signed for XXXX. Carter-Young is mistaken and I believe is confused between XXXX and XXXX. I co-signed for XXXX and XXXX paid all of his payments to The XXXX apartments for the contract that I co-signed. The Person I co-signed ( XXXX ) did not live at The XXXX apartment for the year of XXXX. XXXX lived from XX/XX/XXXX. The false proof that the Carter-Young is sending me by email is showing unpaid rent for the year of XXXX. Additionally, Carter-Young has not sent me their claim in writing ( by mail ) and their valid proof yet, although a request to send was made more than a month ago. Without claim in writing and Valid proof XXXX is showing a collection report filed in my name by Carter-Young.I have disputed this debt more than 3 times now and Carter-young illegally has put my name for collection.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation