milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: I applied for home refinance under XXXX guidelines at Wells Fargo who is my current lender. I asked the first customer service representative if it mattered if I receive mail at a different address other than my primary address and was told that my mailing address did n't matter. I was also told that I had until XXXX XXXX, 2015 to pay off my small XXXX mortgage. A few days later, a second customer service representative called me who now says that my mailing address does matter, and I have to submit proof of receiving mail at my primary address. The only bill I receive at my primary address is my trash collection bill, which is what I submitted. I then receive a phone call that my loan was denied because I could n't prove my primary residence and because I did n't pay off my XXXX mortgage ( even though the XXXX of XXXX had n't arrived yet ). A few days after that, I received a call from the XXXX customer service representative who now says he wants to help me get the loan and that I was only denied because I had n't paid off my XXXX mortgage. I ask him about the address problem, and he was n't aware of it. I ask him to send me an email confirming tentative approval pending XXXX mortgage payoff and he said he would. I did not receive the email nor did I receive any follow up phone call. After a couple of days, I called and asked to speak to a manager who apologized and made excuses for the misinformation but told me I was still denied. I believe I was deceived by Wells Fargo and was denied a XXXX refinance because they would have lost revenue by refinancing my higher interest rate loan to a lower interest rate loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Payday loan, title loan, or personal loan (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Struggling to pay your loan

Complaint: Ace Cash Express has sent my non-payment to an attorney 's office and are trying to make me pay it back right away or they are filing a criminal case with the county I live in for fraud. I never committed check fraud. I gave them my banking information online when I applied and was approved for the loan, I was laid off and did n't have the money in the bank when they went to withdraw the money ( payment amount ), I did n't intentionally not have the money in the bank. I did not write them a bad check at all and I do n't want to have criminal charges filed against me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Debt collection (Medical) with Receivables Management Partners, LLC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to Collection Associates to get information on medical collections that keep showing up on my credit bureau that are keeping me from getting financing on a home. Collection Associates responded that they realized that the collections were not mine and told me that someone had to pay the collections. They would not issue a letter stating that they would remove the collections even after i provided proof that the social security number did not match.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Closing on a mortgage

Complaint: I was vulnerable during the housing crisis, Ocwen Loan Servicing LLC deceptively put me into a Shared Appreciation Mortgage that entitles them to 25 % of my property. This I feel was unfair and illegal. In addition to this I had a business partner who decided he did n't want to continue with his share of the property. I supplied Ocwen with a notoriety stamped Quick Claim Deed, and individually qualified for this scam Mortgage. Now five years later I 'm being held captive into this agreement. I 've recently asked why my former business partner name was staring to appear on certain documents they claim the he is still responsible for thus debt. How can he be held responsible when I individually qualified for this scam of a mortgage. I recently called and spoke with someone in XXXX and they sent me a letter asking for nearly {$800.00} to remove his name. I 've met the criteria already when I modified my loan. This type of stuff should n't be happening and the fact they wo n't let me out this Mortgage is scandalous.

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 10-11-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, I made an online deposit for a {$200.00} check. I mailed the check on XXXX XXXX to make sure it was received within the 7 day requirement. On XXXX XXXX, I discovered that the online deposit had been reversed by nfcu on XXXX XXXX without explanation and without notifying me. This is the SECOND time this year nfcu has stolen my money and I want it back immediately. They now have my check and I do n't have my money. THIS IS COMPLETELY UNACCEPTABLE!!! They are supposed to be protecting my money, not stealing it. CUSTOMER SERVICE 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 08/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed multiple times with Trans Union XXXX inquires that is not my and in the last respond by them they are telling me that an Inquire is when a company checks your credit not wanting to do any investigation. 
1. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 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 explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Iam struggling to make payment they suggested, so they steered me to a forbreance If that keeps up I 'll never get ahead of lian.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX i went to DriveTime to purchase a vehicle. I met with the customer service rep and manager who was very friendly and welcoming. I sought interest on a XXXX XXXX Journey and test drive the vehicle and everything was smooth. I requested for a car fax and the representative stated that the vehicle was in perfect condition and had no ; repossessions, accidents, and rebuilds. The only thing was the vehicle having a high mileage. The manager read the contract and i signed off on it, made the agreement. Plus i was missing a hard key replacement of my key in which they promised to provide through a locksmith and never followed through. 

During the XXXX week i began having issues starting the vehicle and decided to take the vehicle to the dealer. The manager and representatives advised me through minor inspections that there was n't any issues and if it was an ongoing issue to contact XXXX. So i decided to contact them and had the vehicle taken to XXXX. There i met with the manager and he conducted a full vehicle inspection, where he found many pr-existing issues which was a major safety risk. The XXXX line was leaking fluid, no brakes, bad battery and bad starter. XXXX approved to fix the issues concerning the vehicle and was told that was the solution to the problem. We shook hands and was told to come back if there 's arising issues. 

A week later after coming from XXXX the same issue occurred and i notified XXXX XXXX XXXX about the issue. They advised me to respond back to the shop to conduct further inspections, in which again they could n't find anything. So i was told to come back if the issue reoccurs, in which the day after it happened again. The manager even conducted and full inspections in which turns to find out that my shift handle was damaged, in what appeared to be a repossession damage. The shift handle was broken and glued back together in which caused shifting damage. I was told to schedule a day to have this issue addressed, but my transmission blew out in result of the shifting issue. I had to contact a tow truck through my insurance company to have it towed to my house, later on had to pay another tow truck to get my vehicle towed to a repair facility. The mechanic advised that i had to pay a deductible for the transmission replacement through warranty. 

Its only been 3 months since Ive had this vehicle for me to have transmission and shifting issues. I felt I 've been cheated out of my money and was a sold a vehicle that was n't worth what i am paying. I would never recommend someone to purchase a vehicle through DriveTime, horrible pricing and unfair quality of service. Note : Theyre very eager to pressure to purchase a vehicle without giving full information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have paid on my loans for about ten years and the balance has not gotten smaller, it has actually increased.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My credit data and pii was released and shared improperly. I am now at high risk to identy and credit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX/XXXX/XXXX We purchased a home. Our loan was sold to Ocwen which changed to a predatory negative amortization loan. The loan amount was $ XXXX. On XXXX/XXXX/XXXX We received a predatory loan modification from Ocwen. At time we were thrilled. We thought we can save our home. Under TILA and Dodd Frank Act this is considered a predatory mortgage and is in direct violation. This is not a Qualified mortgage. We live in a large Metropolitan area not in a rural or underserved area. The servicer, Ocwen did not take into consideration our ability to repay. Ocwen imposed upon us unfair and deceptive tactics that violate the Dodd Frank Consumer Protection Act 78 FR 6408. I will upload all documents for your review. On page XXXX, # XXXX XXXX of the modification They have force placed insurance.Ocwen does not accurately disperse escrow funds. They charge excessive fees without any expolanation. What is scary is that even if I try to refy, as stated in the modification, Ocwen retains the right to foreclose on the property and change the terms of the balloon payment. This XXXX XXXX, I fell behind and asked for assistance. Ocwen gave us a forebearance plan. We have met every payment on time. We were required to pay down {$3000.00} before even being considered for a repayment plan. I made my XXXX payment on time. I revieved notice of that my foreclosure sale date scheduled on XXXX/XXXX/XXXX was moved to XXXX/XXXX/XXXX. I have tried to escalate my case. I was told by XXXX XXXX XXXX, Senior Manager of the Trustee for XXXX to file a complaint with the CFPB.gov. How could they put me in foreclosure when I have met every payment obligation?

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Checking or savings account (Other banking product or service) with Coinbase, Inc. (FL).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have been trying to verify my identity on Coinbase in order to sell some of my cryptocurrency. Multiple times I have tried to sell my Ethereum and have not been able to sell as much as I wanted to because Coinbase wants me to further verify my identity. I have provided government issued ID, my name, address, etc already. Where the problem lies is that Coinbase wants me to provide and verify my social security number. Despite trying several variants of my address and name I have never been able to accomplish this! After a few tries I am asked to wait 24 more hours. I have a middle name and I am the third, so perhaps that is where some of the ambiguity comes in, but despite trying several address and name variations nothing ever works. This is particularly distressing because I would like to move my Ethereum holdings into a more safe asset ( dollars ) and watched myself lose significant amounts of money because I was unable to do this. I understand rigorous KYC and AML is necessary but your verification services are non-functional beyond reason.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 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 is missing that should be on the report

Complaint: Several of my accounts at Transunion are not reporting monthly as required by law. I have two XXXX  XXXX credit cards that have not been updated since XXXX 2017. I have contacted Transunion XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each time Transunion blames XXXX XXXX, however XXXX XXXX has provided me with proof of monthly reporting to Transunion. Another account I have XXXX XXXX Transunion is with holding the reporting of this account. Another account XXXX XXXX loan again not reporting monthly payments. 
I have contacted all companies and have proof of reporting to Transunion. XXXX XXXX has filed their own investigation as to why they have not reported my payments in 4 months. Enough is enough. Transunion is manipulating credit scores.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Hello, according to https : //www.equifaxsecurity2017.com, I believe I am a victim of the XX/XX/XXXX Equifax data breach ( announced XX/XX/XXXX ). I have never personally signed up for their services ( i.e. getting a credit report ) but I have had credit reports done because I have applied for student loans, apartments, and credit cards so likely one of those used Equifax to check my credit. On XX/XX/XXXX, I checked the equifaxsecurity2017 website to see if I was impacted and it said I was potentially impacted ; however, I have not signed up for their free credit report service offered. 

So far, on XX/XX/XXXX, I have put an initial 90 day fraud alert via XXXX and checked my credit report via XXXX via XXXX. I will be putting a security freeze on my accounts, including via Equifax, either later today or tomorrow. 

Equifax has mishandled my information, and many others, which had put millions of people at risk. This is especially aggravating since I have never personally used any of their services and did not choose to do business with them. So far, I am extremely disappointed about the ways they 've handled the data breach ( taking one month to report, the arbitration clause on their equifaxsecurity2017 website etc. ) and only discovered the news because my professor talked about it in class on XX/XX/XXXX. Equifax did not notify me that my data was breached and did not inform me how to remedy the situation, other than that I was potentially affected and could sign up for their service.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XX/XX/XXXX2016.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Problem with fraud alerts or security freezes

Complaint: TransUnion makes it very difficult to determine how to attach a credit freeze without paying for their ridiculous monthly service. By comparison, the others have it as a clear prompt on their home page and it costs {$5.00}. 

I have tried numerous times to call and log in online and the call has been dropped 3 times. Online, I end up in a loop where it does not accept my password, nor let me change my password. 

I was able to get my free credit report from TransUnion, but I do n't want any of their other garbage products. I simply want to put a freeze on. I 'm frustrated that they make is so difficult. I have not been able to do it.

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 06/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (OH).
Issue: Struggling to pay your loan

Complaint: On XX/XX/2017 I borrowed {$800.00}. To date, through XX/XX/2017, I have paid {$1600.00} for this loan, over twice the principal. It is becoming a real hardship for me to have {$130.00} taken out every pay. Since I 've already paid back almost twice the principal, I asked for settlement. They refused a settlement telling me I did n't qualify for a settlement, but could n't tell me why I did n't qualify for a settlement. They only offered to let me pay {$690.00} more. I asked if I had to default before they would consider a settlement and they could n't answer that question. I have been a good customer and never defaulted. I guess that does n't count for anything. They repeatedly ignored my emails and I had to call them. They also left me on hold for an extended period of time. I guess all these were stall tactics hoping I 'd give up. They state on their website that if one has trouble making payments to please contact them and they will work with you. Apparently that is not true. I am not even sure if this loan is legal. I would like to have this loan marked as paid in full. I think they 've made their money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (I do not know) with First Choice Assets LLC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I continue to receive calls from varies debt collectors looking for a XXXX XXXX or other person I do not know. The latest was from : First Choice Assets LLC Mailing Address : XXXX XXXX XXXX. # XXXX XXXX, NY XXXXPhone : XXXXFax : XXXXEmail : XXXXXXXXXXXX.XXXXThey call from a local XXXX number of XXXX. I identified myself and order them not to call me. They accused me of being rude and unhung up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Consumer Loan (Installment loan) with EQUIFAX, INC. (CA).
Issue: Managing the loan or lease

Complaint: My complaint is with EQUIFAX. EQUIFAX has no online complaint service that I can find. I have tried too many times to count in the last couple of years to dispute mistakes on my EQUIFAX file with no success. Their online service either asks security related questions that are not related to my credit, or if I get passed that point it will time out before I can complete the process, suddenly becomes unavailable, or malfunctions for a multitude of other reasons with the same result, a lot of time spent with absolutely no results. meanwhile the list of mistakes on my file with them grows. When I apply for credit and the organization uses EQUIFAX, I do not receive favorable results due to the mistakes viewed in my report by the organization, and these mistakes also lower my credit score, something all creditors use exclusively in their decision to grant credit. Creditors may say they look at the entire report to determine ones credit worthiness, but in my experience, not once has any creditor looked at anything beyond the score. I had a foreclosure after enjoying 30 years of excellent credit, getting mortgages on a signature. my credit score went into XXXX and while the foreclosure showed on my credit file I could not get any credit at all. once it was off, the score remained in the same place, I 've now had four years of fighting to get credit with very small limits, but have been excellent at paying everything on time, but still my score stay the same. I have to believe that no matter what I do I will not ever see a credit score of more than XXXX. But I still try by attempting to have the mistakes which over time seem to collect on ones report, removed. I ca n't tell you how many hours I 've spent on this. Please make this company clean up the bugs to it 's system. It 's hard enough in my XXXX 's now to deal with life in the capacity of borrowing at high advantage taking rates by predatory lenders when in my XXXX 's I enjoyed the lowest rates the market offered. When I make the attempt to I should not have to have insult heaped onto injury dealing with an online service that does not work. EQUIFAX has offered this service only to look as though they are making every effort to be transparent allowing individuals to access their credit file, but in truth they 've set it up a facade, an irresponsibly wasting the time of those already set back because of their credit circumstances. They are no better than the criminals who steal from us. Thank you in advance for putting them on notice.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Checking or savings account (Other banking product or service) with Coinbase, Inc. (OK).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Coinbase has " blocked '' my account for some reason and wo n't let me withdraw my funds. I have {$85.00} in one of my accounts and have been trying to transfer it to my bank account for close to 3 weeks now XXXX XXXX XXXX XXXX ). Everytime I call them they either hangup in my face or do n't answer. Nothing has been done on their side to try to fix it even after being this patient.

Company response to consumer: Closed with explanation