milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has not request supporting information to support their reason for keeping wrongful information on my credit report. I was told by a rep over the phone that what happens is they contact the creditor and whatever that creditor says is what they report! That does not sound like a investigation. Where is the proof? Then when I asked if they got a copy of documents as proof they said they could refer me to a credit monitoring company they have that cost $ $ $ what ever and at that time they could help me further! So now I 'm thinking this is all making sense!. If you pay equifax they can show you ways to do things to correct CS that you can do yourself?! NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Trouble during payment process

Complaint: Hi i have over  36 cf pb case claims against wachovia /wells fargo bank mortgages, iam awaiting repsponce from the cfpb and wells fargo bank mortgages who stole my home with perjury and fraud commited no missed paymant acounts mortgage and escrow in credit lost over {$270000.00} in hard earned cash and my penshion fund iam  XXXX   years old how do you exspect me to keep track on this corrupt bank w hen the cfpb system is a joke you deliberatly changed and blocked my password you send a email reset password and your link does not open so no i can not log in to my acount? Dont you think you have protected this corupt bank for long enough  36 cfp b casses and what have you done? you are fineing the small banks as a smoke screen but you need to shut this bank down fraud and perjury committed in courts all over  america  and you are protecting them you are a accessory to organised crime  mr  obama did nothing i will send my compliant to presidant donald  trump  and see what he thinks about this crooked bank wells fargo bank mortgages and crook    XXXX   XXXX     ceo

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 04-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CO).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: On XX/XX/XXXX my Wells Fargo checking account had a {$200.00} withdrawal made from a non Wells Fargo atm. It was made from a XXXX store in XXXX Colorado I have never been too before. I called Wells Fargo and explained my card ( which had never left my possession ) had been compromised either by an ATM or Gas Station Skimmer. I cancelled that card and they sent me a new one. 

Wells Fargo initially credited me back the {$200.00} while they investigate. Then, on XX/XX/XXXX they took the {$200.00} back out of my account without telling me in advance. I didnt find out they had done this until I received an insufficiant funds email. I called them and they said their investigation led them to believe I had made the withdraw myself. I then asked for details of how they came to this conclusion and they refused to reveal that information. 

I didnt withdrawal that money. I replaced the card it happened on the minute I found out it was compromised and worked the proper channels through Wells Fargo to remedy this. They refuse to disclose why or how they came to the conclusion I am somehow trying to lie to them about this when I am not.

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 08/16/2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2017 XXXX sent me a letter saying 2 accounts from common wealth financial systems inc. were deleted ( they were not mine ) and on XX/XX/2017 those 2 accounts were sold to another creditor whom is now re inserting them back onto my credit amounts of XXXX , XXXX . They arnt my debt yet they are putting them on my negative credit which were previously deleted by XXXX XXXX. Debt collectors are, XXXX XXXX XXXX  and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Dates : XX/XX/2016 {$630.00} amount at top Later in letter states {$850.00} emergency visit {$70.00} service provided between 10 : I sent a debt validation letter, with a request of my copy of my signature where I agreed to pay this

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 06-06-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XX/XX/XXXX - When disconnecting cable & internet services with  XXXX , I was given a final balance owed, which I paid. Soon after, I was sent a bill for an additional amount. I called, and  XXXX  said it was a mistake, and that the balance would be credited. Some time later, I received a bill from a collection agency for the same amount I was told would be credited. Fearing the credit hit I might take, I paid the balance. Some time later, I received another letter from a different collection agency for the same amount, which 1. I did not owe, and 2. I already paid anyway. I paid the balance a second time. After long hours on the phone with   XXXX   customer service, I received a reimbursement for this payment. Now, in XX/XX/XXXX , I received a letter from a third collection agency, again for the same balance I did not owe, but already paid twice. Last week, I was promised by   XXXX    customer service that 1. The balance would be credited, and the issue fixed, and 2. I would receive confirmation of this by email by the end of the next business day. No confirmation arrived ( it 's been several days ) and, as of this morning, the collection agency still sees the account as active. When I consider not only the credit rating issues this will likely cause, but my efforts from the beginning to resolve the matter and the inability of  XXXX  to do what it consistently says it will do, my only choice is to see this as harassment on their part, and to ask for whatever help might be available in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (KS).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I am a mother of a XXXX year old and XXXX XXXX XXXX XXXX. I had a payment of XXXX dollars a month. I am a working mother and almost all my pay check goes to my children, and insurance and rent for our house and food. Not to mention, gas, credit cards and other circumstance. This does not include my XXXX XXXX XXXX loans, nor my other loan I have through XXXX. This also does not include my husbands loans he has to pay either. He is a XXXX and already does not make that much. 
A few months ago, I had had enough so I called to get my private loan payment lowered. The loan payment keeps changing, keeps getting more and more. They seem to keep upping the interest rate. 
After a 2 day stand off with Navient I finally reached someone to help me and get the payment lowered to XXXX a month for 12 months. Not much relief but still it was something. I had 2 days of yelling at the loan associate and having my co-signer call to make a financial statement. I do n't feel I have to yell at someone to get help, especially since I am willing to pay back my dept, I just need a little relief so my kid can enjoy food once and a while. 

I got XXXX again with my XXXX child in XXXX. I called them at the end of XXXX to see if I could pros-pone my payments until after XXXX XXXX. I only get 60 % of my salary. I have to pay my bills, I have to pay for things for my child, and XXXX is coming up. The loan associate said I had already used the 12 month no payment 5 years ago, with my XXXX child and there was no way to do it again. Not even just for 2 months. She then suggested I just not pay my loan payment for 2 months, but this would make the payment past due. I do not think it is logical for someone to just not pay their payment, go past due and then deal with the repercussions later. 
Not to mention the strain this could put on your credit. 

Why not have more options for private loans, so mothers, fathers and kids coming out of college can live. Why not make it easier for them to make their payments. Then there would not be this head ache. People would be happier and maybe not so depressed. 

It is so hard to get private loan payments lowered and postponed. I have to call at least 5 times to get someone to help me or yell at some poor loan associate. 

So thanks Nanvient for making XXXX XXXX that much harder. Thank you for making my kids XXXX that much more miserable. Thank you for putting more of a burden on me. You could n't go without your money for 2 months. You poor rich loan company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (MI).
Issue: Trouble during payment process

Complaint: Sometime in XXXX there was an " Total Advance '' {$470.00} fee added and no matter what I do I am always overdue and late because of it. I do n't even know what the advance is for. I have made payments all year missed one in XXXX but paid 2 in XX/XX/XXXX and 2 in XXXX. I have no idea why I owe {$1800.00} and have late fee 's every month. They always send a statement saying that they have a right to foreclose on me, and my credit is messed up so I can not remortgage. I did file banckruptcy at one time but continued to make my monthly payments. I also paid my escrow shortage but it still shows I have a shortage on my statement. When I call to talk to someone they take forever to get me to the right person and I work myself during the day and do not have time to wait over 40 minutes. I have sent emails but they always say I have to call.

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 09-08-2017 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 financial information was hacked due to Equifax 's negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Medical) with Firstsource Advantage, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015, I disputed this debt through XXXX Credit Bureau. See Attached Since it was verified I requested what documentation was used to verify such debt. And requested through debt collector what contract does it have assigned to them. This fraudulent attempt to collect a debt should be removed immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy 5 years ago and it was discharged XX/XX/2016. Since this time have been trying to get the bankruptcy flag removed from my account. I cant contact them to get any information concerning my account. When I try to contact them th call goes to a third party company. I keep paying my mortgage and the balance never change. I have gotten several notices that I was entitle to a escrow refund but it never comes. I received a refund on my property tax because of my age XXXX. Havent heard anything from Ditech.. I tried emailing them and all I get is a form letter about they will have more infoe and nothing has happened for 9 months.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I have disputed charges for services to my BarclayXXXX XXXX following the dispute process of the card issuer, by multiple telephone calls as well as via letter. The charges were for verterinary services provided by Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The services provided were of poor quality and were provided by XXXX school students who were not properly supervised by experienced veterinary clinicians, and resulted in the XXXX of my young dog. I have contacted the merchant, who has not resolved the issue, on several occasions prior to contacting the card issuer, XXXX XXXX. The credit card issuer has taken every opportunity to first discourage me from disputing the services, reluctantly entering the dispute, and contacted me by telephone today to inform me that while they had provided provisional credit to my account, they are now recharging my account and not pursuing the dispute because the charges were for services which were already rendered. I responded that of course they were already rendered, but that I still had the right to dispute the charges due to the issue related to the poor quality of the services provided ( the charges were for a total amount of {$5600.00} over 4 separate charges, made in my home state of Texas. I asked to speak to a manager, and was told that no manager was available, but that someone would contact me in a few days. It is clear that XXXX XXXX has no intention of complying with the provisions of the Fair Credit Billing Act by pursuing this dispute with the merchant.

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 12/15/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Portfolio Recovery Associates are reporting 3 account on my credit reports and amount are {$470.00}, {$740.00} and {$410.00}. I have disputed this 3 accounts with XXXX  XXXX and XXXX and also sent Portfolio Recovery Associates debt validation in which Portfolio Recovery Associates has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (WI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have been trying to get ChexSystems to remove the fact that I am dead from their credit report ( Ref # XXXX ). I am not dead and they have not attempted to contact me or reply to my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Billing disputes

Complaint: To whom it may concern I 'm taking the following steps to file and inconformity with Chase Bank. It all started with a breach of contract by a company XXXX XXXX. 
The rupture contract was because they did not honor a contract that I signed with them on XXXX XXXX, XXXX in which we both agree that they would retrieve the amount of {$270.00} every month starting XXXX XXXX this would continue for 120 months. 
Unfortunately this company breach the contract because they started to retrieve a amounts of {$280.00} Plus another amount of {$53.00}. I called the company directly to communicate my inconformity but they did nothing to remedy the situation. I also called to cancel the contract due to the breach of contract and they would not cancel it without incurring any penalties. So I contacted chase bank directly in regards to my Chase freedom which is the car that I used to pay the monthly installments. I asked Chase to stop any future payments and refund me and look into past payments. I sent them a copy of the contract which was breached. 

Chase sent me a letter of confirmation regarding the disputes. This letter had to date XXXX XXXX, XXXX which they promised over the phone to return such payments temporarily until they realize an investigation because of the breach of contract. Unfortunately chase only reimbursed me for {$53.00} on XXXX XXXX, XXXX I contacted them again about the XXXX credits for XXXX that they promised to reimburse me within 24 hours which did not happen. 

I check my account again and I realized that Chase once again had paid XXXX XXXX on XXXX XXXX, XXXX the amount of {$280.00} and on XXXX XXXX XXXX the amount of XXXXI called Chase once again to request a credit for the payment that had just cleared in XX/XX/XXXX and also for the past three payments which they had not resolved. 

Later on on XXXX XXXX, XXXX I received a letter that said I had not made a complaint regarding the full amount of {$280.00} and that I had only disputed to a partial amount of that money for {$9.00} once again I called them so they could correct the XXXX amounts for {$280.00} of which I have not received credit for. Two further my frustration I also noticed that they are still paying the company which breached the contract and still allowing them To charge {$53.00} every month. 

Another thing that I want to mention is that the dispute department does not have personnel that speak XXXX therefore communicating with them has been a hassle. It 's been even more of a hassle and frustration when I 'm trying to explain to them how to correct the mistake that they have made in the first place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: On XX/XX/2018 I lost access to my account on XXXX.XXXX. 
I have over {$100000.00} in asset and cash and not able to access. Customer service is non-existent and I am not able to view. withdraw, or access my account what's so ever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Never received a bill from XXXX XXXX XXXX of XXXX XXXX, CA, and without making reasonable attempts to contact me, XXXX XXXX XXXX passed the bill along to a debt collector, CMRE Financial Services Inc.

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 02/16/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I got a settlement ; 3 years ago I got a settlement from XXXX for wrongful termination. I took a {$50000.00} settlement, instead of XXXX to XXXX with a free attorney. Due to being homeless I was desperate and took the lower amount, the settlement checks came in two parts, one for XXXX and one for XXXX. The first one I cashed and bought a car. I owed XXXX on the balance of the car, paid bills, ect. My XXXX check came and I attempted to cash it at Chase bank on XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Instead of Chase offering me to open my own account, I signed the check over to the car dealership owner, the man who operates XXXX XXXX XXXX which is located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone number XXXX that I bought my car from per the advice of the bank teller in order to cash it and receive my direct cash. I have a witness to all these statements if needed. They said the check did not clear right away, and that they would transfer the funds from the Car dealership man account to a separate account when the check cleared. But they did not return my check to me when I left that day ; looking back they should have when the checks funds could not be verified. Chase did eventually divert funds to an account in my name, but not for the correct amount, it was XXXX short. Due to being homeless, I and having a diagnosed XXXX  XXXX that prevents me from understanding things clearly, having no mail, email, po box . I had no access to information about my account. So recently, I inquired about {$3000.00} I put into a 3 year CD account. I was told to come in and show ID on the account. Upon doing so, I entered the branch on XXXX XXXX XXXX and XXXX in XXXX XXXX CA. I requested copies of the account, and the teller had an issue with retrieving the statements on my entire account including the CD account and told me to come back later that day. They did give me the statement, refused to answer any further questions, and even turned away my direct deposit check, and told me that they would no longer want to do business with me. I Called Chase before on a balance on my account, and they said there had seemed to be a lot of fraudulent activity on my account. They refused to give me a copy of my original {$40000.00} check.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is a XXXX account showing up from XXXX XXXX XXXX. I have contacted XXXX and they do n't have any records of such balance. My equipment was returned. On further researching it looks like this company is fraudulently putting information on credit profiles. 
Please see the google reviews about this company. XXXXI would greatly appreciate if you could please help me clear my credit report. 
ThanksRegardsXXXX XXXX

Company response to consumer: Closed with explanation