milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir or MadamI am in constant amazement of your companies business practices. Attached please find a loan of a property I purchased in XX/XX/XXXX. The property address is XXXX XXXX XXXX XXXX NC XXXX. It is a XXXX bedroom condo that I purchased for {$110000.00} as an investment property through Wachovia. I have called Wells Fargo many times to this day to have this property loan NOT listed as my primary residence XXXX XXXX XXXX XXXX Florida XXXX. Many times when I call Wells Fargo they tell me there are too many numbers in my loan XXXX maturity date XX/XX/XXXX and it is not a Wells Fargo loan. They also list the loan as a Mortgage Equity Loan Statement! I then explain it is an old Wachovia loan and then they go oh! But do n't you think after XXXX you would have consolidated the loans and had proper Wells Fargo loan numbers attached to the old Wachovia loan numbers. XXXX things I need I was dealing with XXXX XXXX XXXX in your loan dept and I asked him for XXXX, XXXX and XXXX rates on my existing payoff of {$74000.00} and that they need to remove my Primary Residence off this loan and then that is when the fun starts. I then email him all of my information and he will not answer emails or phone calls. No one form Wells Fargo will call me back, answer emails or return any messages. Could someone please get back to me it should be an automatic refi, I have never missed a payment and I want to get my primary address cleared up and the North Carolina address for the property cleared up. I do not know whom to talk to as I have sat on hold for hours at a time and have been bounced around from department to department with no resolution. It should be an auto refi and go forward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Debt collection (Medical debt) with JMD,LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am a 100 % XXXX VET. I have been awarded 3 XXXX XXXX. I have medical through the VA. I XXXX XXXX and was having XXXX. They took me to the XXXX. As soon as I came through I informed them I was a Veteran and that they needed to contact the VA. 100 % of my medical is paid by the VA. XXXX XXXX XXXX  is reporting a medical collection account. I informed them that I had insurance through the VA and the original creditor was aware of that and needed to bill VA. I told them I was disputing the validity of the debt. They did not even attempt to verify this. They immediately started to collect the bill from me. I again informed them that I disputed the debt and they needed to send it back to the original creditor but they ignored me. They sent me a letter. I responded to it again and told them it was wrong. They just kept at me to pay them. They ignored all of my requests. The VA should have paid this bill. The VA was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Payday loan, title loan, or personal loan (Installment loan) with Ballybunion Enterprises, Inc (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am continuously disputing with  Freedom Acceptance.  I have disputed with every single credit bureau over 6 times because they keep putting incorrect information on my account. They have 'updated ' my amount owed multiple times with the wrong amount owed making it so I have to dispute again. They keeping changing the loan type from unsecured to secure. It is currently showing as secure and it was not a secure loan. The loan term is different on  XXXX  than  XXXX . The first late payment is different on  XXXX  and  XXXX . The amount owed is incorrect and each time I have reported this, they change the amount and is still incorrect. They would harass my soon ex-husband and myself via email for payments. They were adding on interest and late fees that were an higher amount than what was in the contract. On   XXXX     we were contacted via email saying we owed {$740.00} then on  X/XX/2015    we received another email saying that {$1000.00}. I have asked to have a full disclosure of the amount owed which was not only incorrect but they change the amount owed by cents or dollars so that it affects m y credit score.  They would use harassment tactic via email to try and get their money. In addition ; I submitted a claim to a previous complaint  XXXX  and according to  Freedom Acceptance  they granted me a {$510.00} credit to my account due to their civil lawsuit that they had in Colorado. However I asked for proof and I never received notice or documentation supporting which is required by the Consent Judgment. I Have also reached out to the Colorado Attorney General  XXXX   XXXX  and I am seeking further assistance on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan transferred to Nationstar Mortgage XXXX XXXX from XXXX XXXX XXXX after completed trial payments for modification. Funds held in suspense account after transfer and payments continued to be held in suspense account and not be applied to account until XXXX XXXX. Timely payments were then improperly applied to account causing incorrect delinquent reporting. I have addressed this with Nationstar multiple times in XXXX after I checked my credit and was assured fixed. Re-checked credit XXXX XXXX and requested investigation from credit bureaus resulting in the delinquency to continue to be reported. I am unable to convince Nationstar to correct even when documentation is provided to clearly show payments were sent and received timely.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: For the past several years I have been paying my mortgage payments via electronic payments from my XXXX account and never had problems with the mortgage companies receiving the payments. This time though Specialized Loan Servicing company claims they have not received my payment, which was sent on XXXX/XXXX/2016 electronically and should have been received by SLS on XXXX/XXXX/2016. We called them today with my XXXX Bill Pay support and although XXXX provided a support that the payment went out to the right address and account number, SLS states they did not receive the payment. It 's a messy and shady company with questionable accounting practices and arrogant customer service. I 've never in my life been late with any payments and I will not allow this XXXX company to spoil my credit. Please kindly review this matter and help me to deal with them. I just do not have any confidence that they know what they are doing. How the electronic payment can get lost or not received, if for the past year and a half was sent in the same fashion, to the same address and account and I have not had problems.

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 04/27/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: A loan modification was approved with a trial plan payment due in  XXXX  but the lender still has an active sale date for  X/X/17   .

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I have never missed a payment or been late with any of my credit cards. I have never been late with a payment to Bank of America.

Bank of America closed my account. I had XXXX points saved up that I had earned in the account.

Bank of America will not credit my account the points that I had earned.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (FL).
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: please i see since  XXXX / XXXX /   2013  reporting {$270.00} it is not true i need chexsystems removing that for me my phone #  XXXX   XXXX  also email  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 explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Technologies, Inc. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am presently going through a refinance of my home with XXXX XXXX XXXX XXXX. Prior to selecting them, I contacted several other mortgage companies so I could compare rates and fees. I got a copy of my credit report and I saw several hard inquiries from companies that I did not authorize. 

1. Credit Technologies -XX/XX/XXXX. Called the company at XXXX and was told they pulled my credit for XXXX XXXX, a mortgage broker at XXXX XXXX XXXX ( XXXX ). XXXX did my mortgage for a home I had built in XXXX. I sent him an email simply asking what their current rates were and a break down of their fees. I did NOT complete an application nor give him approval to pull my credit. He emailed back with the info I asked - he never mentioned he had made a hard inquiry of my credit. I called today and spoke with XXXX XXXX, the manager at XXXX XXXX XXXX ( XXXX ) and XXXX tried to tell me that " XXXX had to do that in order to get you the most accurate rate. '' I told him that it was illegal to pull my credit without my authorization and he said they " can pull anyone 's credit anytime '' - he also added that he " did n't know how to remove those, anyways. '' 2. Another inquiry from last summer, also from Credit Technologies. This one was pulled for XXXX XXXX ( XXXX ), a company I 've never heard of nor dealt with. The girl who answered the phone said that mortgage broker " is no longer with the company '' - she pulled a file and said she had a " hand-written application '' - some of the info was mine, but a lot of it was not. I was told the owner, XXXX XXXX was " out of town but the message would be passed on. When I told her I wanted the hard inquiry removed from my credit - she said " oh those do n't do anything to your credit. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit card () with SYNCHRONY FINANCIAL (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A credit card was opened in my name for Synchrony Bank/ Paypal XX/XX/2015 I believe this was opened fraudulently Incorrect address : The address used was an address where I had lived but did n't ever use. I only ever used my business address. 

Social Security number : the social security number used to open the card is not correct. 

Type of account : I was told that this was a business account. I would have used a tax ID to open this account rather than a social security number. Again, I would have certainly used my business address. 

Pattern : If you look at my credit report please note that every other line item is in good standing. The line item related to this credit card is uncharacteristic of the rest of my report. 

I have called Synchrony Bank to investigate the account. They are unable to give me much information. They are also unable to research any fraud as they have sold the account. 

I called XXXX XXXX who Synchrony Bank sold the account to and XXXX has yet to enter the information into their database and ca n't tell me when they will have record of my account. 

Right now no one can access my account and there is nowhere to investigate fraud or appeal the charges. I have no way of knowing when someone will have the information to be able to help me deal with this. I am hoping you will remove the line item related to Synchrony Bank and re-score my credit.

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 01/31/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (MA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: When I signed up for the account I set up a two factor authentication with a phone number I have since lost. To recover access Coinbase requires and ID. While I am residing in the US I am a XXXX XXXX. I have sent them a XXXX ID, XXXX drivers license, XXXX passport, Massachusetts Liquor ID ( which is missing one of my last names ), and 2 statements from my bank  with my name and address. Yet, I have still not been granted access to my account and am not receiving responses from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I closed one of 3 Citibank CCs. Subsequently, Citi sent me an offer to open a new card promising XXXX XXXX miles if I used the card to pay {$3000.00} in bills in 3 months. 

I opened the account, used the card to pay {$3000.00} in bills -- far more than that -- and never received the miles. 

After raising the issue Citi claimed that I should have noticed the small print stating that I would not receive the points if I had closed a card or opened a card within 2 years. Of course, they knew that I had done that before they made the offer. They have my contact information but made the offer anyway. 

Legally, this is fraud in the inducement. The elements are 1 ) a promise is made, 2 ) the plaintiff acts to his detriment on reliance on the promise and 3 ) the plaintiff is damaged. 

If they had been truthful I would have use the Citibank XXXX card and received benefits. 

I lost the promised benefit of XXXX miles and also lost the benefit of using the XXXX card instead. 

They owe me XXXX miles.

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 01/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
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, a fraudulent credit account was opened at XXXX XXXX XXXX under my name. 

On XX/XX/XXXX, I filed a complaint with Experian to remove it from my credit report. Experian did not remove it, as they claimed that XXXX XXXX XXXX said the account was valid. I did not open this account. Do I need to file a police report for identity theft? I filed a police report last year ( XX/XX/XXXX ) because someone was trying to open credit in my name.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: This is unfair, the two accounts listed on my credit file have been re aged by the credit reporting agency and both are inaccurate, untrue and can not be validated. 

XXXX XXXX XXXX # XXXX {$280.00} XXXX XXXX # XXXX {$3000.00} I have disputed these with a response back now stating XXXX X/2017 which is false information. These are outdated, inaccurate and needs to be removed

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 08/28/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX loans that I have partners. The partners were collecting the rents and making the mortgage payments with the rents. In XXXX of 2015 the partners stopped making the payments unknown to me and the loans are in default. I was never notified by Wells Fargo of the status of the loans. I only found out after pulling my credit report. I was contacted By an XXXX XXXX in XX/XX/XXXX telling me that Wells Fargo needed me to fill out some paperwork to re-fi the loan and get the payments lower that our partners had request this. He never told me that the loan payments were not being paid or ask for them to be paid. In XXXX 2015 I finally received the paperwork and as I began to read it I began to question what this paperwork was about because it talked about the loan in default. I immediately called and spoke with a gentleman whom gave me that status of the loan. I then contacted Wells Fargo office of the president and offered to pay off the loans if they would restore my credit since I was never contacted or notified by them that the payments were not being made. I followed all the necessary steps and I just received notice from the office of the president that they would not be restoring my credit and they they had no obligation to notify me that my loan was not current. I ca n't believe this to be true. they had my information and never sent me one thing. They only sent it to XXXX my partner. I just ca n't believe that the bank has no obligation to notify all parties listed on the loan if there is a payment issue. Is this the case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed a judgement that is listed on my account. Transunion has signed for receipt of my certified mail dispute on XXXX/XXXX/2016 and Transunion has violated the law by not placing a notice of dispute on my account within 30 days. ( besides not sending me any verification and results of investigation [ maybe its in the mail? ] ) this is a goodwill attempt to solve this issue out of court. If transunion does n't remove the judgement in time I will sue in smalls claims court closest to me. I will demand {$5000.00}

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 02/24/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed a collection account XXXX XXXX who has been reporting false information on all XXXX of my credit reports. I inform Equifax and disputed the information on my report along with documentation regarding the false and inaccurate information. Within one week the return with The Company states it 's my account and it will remain on my report. I would like to file a complaint for them failure to properly investigate and continue to report false information on my report. I 'm also complains about XXXX XXXX XXXX XXXX Credit Card that was included in my Bankruptcy and they refuse to put a XXXX balance as I previously disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (MD).
Issue: Account opening, closing, or management

Complaint: Dear CFPB, I had a checking account with TD Bank. I had a positive balance with {$500.00} in my account. I did not use my account for almost a year and then I received a notice that I owed TD bank {$450.00} dollars. My account was closed and it was sent to collection agency. Unfortunately, TD bank is not helping me, even though this was probably their error or mishap of information ( stolen check or identity ). I am kindly requesting CFPB to please ask TD Bank to please probe my account and see who used it and why I owe them {$450.00}.

Company response to consumer: Closed with explanation