milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-06-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had a mortgage for my home with XXXX mortgage. I was granted a modification by XXXX on XX/XX/2012. My new monthly payment is {$420.00} XXXX sold or transferred my mortgage to SPS Select Portfolio Servicing Inc. SPS Inc. refused to acknowledge my modification. I have an ongoing bankruptcy case. My modification was filed with the judge that was handling my case at the time and was approved. SPS filed paper in court to dispute my modification. My modification is valid. I spoke with a representative at SPS who told me that XXXX did not transfer the modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: this debt was paid in full as of XX/XX/2016 thru payroll garnishment as of XX/XX/2016 the garnishment started back up I called to collection agency and the rep was so rude and condisending I ask her how much do I owe she told me XXXX I offered to pay that on the spot to clear this up she then stated she does n't know if that will stop the garnishment because intrest is being added to the account ... this is fraud I was court ordered to pay a set amount but every time I call its a different amount and never can get a straight honest honest about my account

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Mortgage (Other mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I fell behind on my mortgage by two months and I have been working on getting caught up. I plan to use my income tax return to do so and the money is due any day now. I sent my normal payment to the XXXX which is serviced by Dovenmuehle Mortgage. They rejected my payment and I have yet to speak with anyone that can actually tell me what XXXX is going on. How can they reject a payment? I am willing to make good on my loan but I will never use the XXXX again because of the experience I have had with the servicer. 

How can this company do this I wondered and then I started doing some research. I get the impression they are targeting veterans like myself by servicing loans for the XXXX and XXXX. I am worried they will XXXX and I do not know how to fight them.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Bank account or service (Other bank product/service) with FIRST NATIONAL BANK OF OMAHA (LA).
Issue: Account opening, closing, or management

Complaint: 1ST NATIONAL BANK OF OMAHA XXXX XXXX XXXX XXXX, NE XXXX Re : Unauthorized Credit Inquiry Dear Creditor, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing on XXXX XXXX, 2014. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. 
Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Trouble during payment process

Complaint: My name is   XXXX   XXXX   and I have problem with my mortgage lender. It look like the mortgage lender has been exciting and eager to foreclose my house while I am still making payment for them. Recently they rejected our payment and want to move on with foreclosure. They completely refused to speak to us and make us confusing to dual lender/ mortgage send out. We dont even know which one we need to talk. We owed one mortgage only for our property and 2 lender send letter to me which are   XXXX   XXXX   XXXX   XXXX   and Bayview Loan Servicing. They have same account number but when we have tried to contact them, none of them get back to us over the phone or formal request. We are struggling that we dont know what we should do due to threaten to foreclose our house. We need to address 2 issues : who is our lender and why they said we are behind on mortgage while we are making mortgage regular payment.
In  XX/XX/XXXX , we have filed bankruptcy chapter  XXXX  due to foreclosure of the house in   XXXX   XXXX  . However, we are still making fully payment for my mortgage of subject property   XXXX   XXXX   XXXX  ,   XXXX   XXXX    XXXX . We have attached the proof that we made payment since then to now. Now we are ending up that we are behind {$17000.00} more for mortgage. We dont even know where it comes from.
We have attached proof from  XXXX  transferred to   XXXX   XXXX   XXXX   XXXX   as of XX/XX/XXXX  with last payment and balance. We dont even see that we are behind when we are with   XXXX   XXXX  . Once it transferred to   XXXX   XXXX   XXXX   XXXX  , it showed that we are behi  nd while we made regular payment since with  XXXX  to now.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed with Experian and XXXX the reporting of late payments from XXXX XXXX XXXX. They are reporting me that I had late payments and I never did. They continue to say that their investigation is accurate. However, XXXX investigated and deleted the account as it was not accurate. I have sent to XXXX and Experian letters including a response from XXXX company to my request of records reflecting such late payments and they denied to produce record. That is a violation of XXXX and credit bureaus must remove negative information when the furnisher is in violation of FACTA. This letter was forwarded to XXXX and Experian and they still do not remove the negative and inacurrate information. I request that this be removed immediately as it is depriving me from obtaining a home loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have tried to dispute repeatedly with Transunion regarding removal of inaccurate addresses on my credit report. I was a part of the XXXX breach and I notice alot of things on my credit report that are not mine and I am trying to clear this issue but Transunion will not update the removal I continue to ask of them. Under the FCRA I have the right to dispute inaccurate or incomplete information, I want these inaccurate addresses removed from my report immediately or I will be filing a case. 

Report # XXXX These need to be removed : XXXX XXXX  XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, TN 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 11/19/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I applied for a credit card and was denied. I 'm told my credit reports areblocked. I ca n't get a answer from the credit Co 's. Who placed the block? 
It was n't there in XXXX when a leased a car, and can I remove a blockPlease adviseThank youXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Other bank product/service) with Comerica (TX).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX, 2015 I went to an Atm to with drawl my rent money. I have used my direct express card here many times. The Atm froze and never gave my money, but that bank did withdrawal from my account. I have not yet got my money back to pay my rent, now I have to pay a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Sent several letters and faxes to Experian requesting that  XXXX   XXXX  be removed the account does not belong to me. This has not happen. Experian keeps coming back stating the information has been verified. Experian has not provided me nor has the company provided me with any documentation that this account is valid. The account is showing closed with  XXXX  balance on my report and I would like for this information to be removed since there has not been any validation of the account sent to me. I am uploading supporting documents.

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 10/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MT).
Issue: Other transaction problem

Complaint: In early XXXX, XXXX, tried to sign in to my account at XXXX XXXX XXXX, and my user name and password simply did n't work any longer. The account is over one year old. Coinbase was unable to explain why they seemingly forgot my username and password. They told me that I must pretend that I am the one that forgot the password and go through that process. 

Attempts to go through that process simply do n't work. They required me to upload scans of my driver 's license. But their website was issuing error codes like " Constraints can not be met '', which reps at Coinbase could n't explain. 

On XXXX/XXXX/XXXX, a rep named XXXX blamed what she called an XXXX XXXX. But authorization apps do not come into play until after a login. So this was just an attempt to get rid of a complaining customer. 

On XXXX/XXXX/XXXX, XXXX sent an email message that a specialist would be contacting us. But that did n't happen. 

On XXXX/XXXX/XXXX A supervisor promised no more website frustrations would be required of me. He said this entire ordeal would be manually corrected and only email would be required. He said the driver license scans could be sent email. He assured me that a specialist would be contacting me. 

On XXXX/XXXX/XXXX, that so-called specialist simply sent me an email that required me to start all over again from the beginning using the XXXX browser. This was not what was promised. I was n't supposed to endure any more of their website dysfunction. 

On XXXX/XXXX/XXXX, Saturday, there is no phone support. I decide to try the entire process again using the XXXX browser. More problems. This time, the coinbase website permits me to select and perform a FILE UPLOAD process. It is specifically called " File Upload ''. But when I try to send scans of my driver 's license, it tells me that my WEBCAM is not recognized and that I should select a non-webcam method of sending files. So when I use " File Upload '' the Coinbase website somehow sees a webcam. Coinbase should be reminded that tens of thousands of photos are uploaded to XXXX every day by users of every imaginable combination of operating systems and browsers without any such problems. Yet Coinbase somehow blames their customers for such problems as evidenced by complaints scattered all over the Internet. 

I report all this to Coinbase and I hear nothing back.
Its my property and I entrusted Coinbase the same way I entrust a bank with my money. I just want the access I was promised. I just want my Bitcoins or I want access to my account so I can use/transfer those Bitcoins. From my perspective, I am suffering the identical damage as if this were a theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Problems caused by my funds being low

Complaint: I feel I have had many overdraft fees do to misleading overdraft fee protection practices. This caused my funds to be low and many overdraft fees attached to my acct. since circa 1994. I adamantly feel that money has been taken out of my acct. little by little, damaging my credit scores and leaving me feeling helpless. I am glad Citibank is being held responsible and expect a sizable check in the near future! 
Frustratingly yours, XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Deposits and withdrawals

Complaint: I am a long term account holder with Bank of America. In general, I have never had a problem until XXXX XXXX, 2015 at the Bank of America XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. 
I had calculated a XXXX minute stop at the drive through teller of this branch, to withdraw funds for my travel XXXX. I was on my way to the airport. I wrote my deposit slip, the teller XXXX XXXX XXXX returned it saying that I could only withdraw up to {$2500.00}, but she did not send another slip. I requested a XXXX slip and wrote it out for the allowed sum and XXXX minutes later, she tells me she ca n't help me because I signed my initials and they did not correspond. She stopped serving us, did not even offer to send another slip. I parked my car and went into the bank, I saw the teller had called a manager and I was actually relieved thinking he might speed up the process so that I could get my money and leave. 
I was frustrated and complained to the manager about the teller, he then proceeded to treat me and my mother in the most unprofessional manner, at one point telling us to " get out '' and calling us rude. I was very angry and said I would not leave without my funds and that he and the bank are supposed to provide me with at least professional service. Finally after XXXX kind ladies gave me their turn in the line, I was able to withdraw my funds. I then asked for his card. The name of this man is XXXX XXXX, and apparently new as small business relationship manager. Although I do not want anyone fired on my behalf, I strongly suggest better customer service training for your personnel. I left the bank XXXX minutes later for what should have taken a maximum of XXXX minutes. 
Sincerely, XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Consumer Loan (Vehicle loan) with Carolina Finance, LLC (NC).
Issue: Shopping for a loan or lease

Complaint: THERE ARE UNKNOW INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/23/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (TX).
Issue: Problems when you are unable to pay

Complaint: My wife had a XXXX and paid the bills late for XX/XX/XXXX/XX/XX/XXXX. Onemain Financial was notified. They were also notified to only call my cell. XXXX called my work, all XXXX references listed and left personal information on my friends and families voicemail. It was both crazy and psychotic. The more you said do n't do that ... The more aggressive she became. My family friends and co-workers felt harassed and I am embarrassed over 2 weeks!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a Co-Signer on a car loan for a family member. The debt has beenpaid and it is still being reported on my credit file XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to DiTech for servicing XX/XX/2016. Since then my taxes have not been paid. Funds have been withdrawn from my escrow account and not applied to my tax bills. To this date my County and interim school tax bills have not been paid. I have been reaching out to DiTech since XX/XX/XXXX to get this resolved and have been unsuccessful. I was put in contact with several managers at DiTech and XXXX who distributes the tax funds and have not received any feedback or resolutions. DiTech has also taken additional monthly mortgage insurance payments from my escrow account as well with no explanation on why. Any help addressing this matter would be greatly appreciated.

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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX Filed XX/XX/XXXX Charge off Last Updated XX/XX/XXXX XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} Equifax - Disputed XX/XX/XXXX- Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX- XXXX XXXX XXXX Listed a New account name " XXXX XXXX '' XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Payday loan, title loan, or personal loan (Title loan) with MARINER FINANCE, LLC (NC).
Issue: Was approved for a loan, but didn't receive money

Complaint: I applied for a personal loan, and was initially approved for {$2000.00}, but the lending requirements and documentation process and the ignorance of Business Management by the manager on duty and the vice president, forfeited the loan!

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 12-03-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Deposits and withdrawals

Complaint: I paid my cellphone bill on XXXX/XXXX/15 which was {$210.00}. It posted on XX/XX/2015. I went shopping earlier and I glanced at my balance and notice I had n't spent as much this weekend as I thought. Come to find out my cellphone bill charge had vanished. I call Wells Fargo and was basically told that it 's done that way with larger charges to let the merchant bill it. I asked my larger charges and they said it creates potential for overdraft charges. The put the {$210.00} back in my balance hoping I would spend enough to make it overdraft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: We got a XXXX XXXX around 2003 where the policies used by that company were fraudulent. Now we want a loan modification they are trying to sell our hou7se instead of helping us like Obama says they should

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
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 sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records either.

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