milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, my name is XXXX XXXX Current address : XXXX XXXX XXXX XXXX, XXXX XXXX Address of property in Question : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been dealing with Di Tech ( Mortgage Servicer ) Loan number XXXX I was in the process of a " Deed in Lieu " on this XXXX Property Just recently .. I was in process of having the Deed in lieu approved ( As it was expressed to me ) .. the Title was Clear, the Home was Re-Keyed ( By drilling out the Old lock and new Lock Box and entered XXXX I have NO access ..How was this allowed to proceed .. 
the Cart was before the Horse .. as The XXXX was way above the Norm and I was told that the Deed in Lieu was DENIED .. 
How can ALL of this occur and it be denied? the XXXX was way above the common Comps for that area .. as I understand it was {$170000.00} +/- and I had Too Much Equity, therefore Denied .. I have not been able to pay on this home due to Hardship ( Which Di Tech has All that info ) and have had it for sale for years at a much lower price, just to Break even .. 
After all the Hoops I have had to jump thru, and a very poorly implemented process with very inaccurate guidance ..I do n't understand How this happened I request an " Appeal " of this Denial and make Di Tech act positively to this request. 
I have had a Triple By pass and the Years and last 6 months of stress dealing with this Servicer in attempt to satisfy the needs and process has taken its toll on me Physically. 
my only recourse ( I was told by DiTech ) was to contact XXXX and request another look at this Whole Deed in Lieu and have it resent with Special Approval to reinstate the Deed in Lieu process my Home phone is XXXX home address : XXXX XXXX XXXX XXXX, XXXX XXXX Please review this request and afford me the remedy I need to complete this process in my favor Thanks in advance XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I ordered products from XXXX XXXX XXXX and paid for the original order on time. After that, XXXX sent me additional products that I did not order. They were not cooperative when I contacted them about taking these unordered products back. They 're still trying to collect the payment for these unordered products even though I told them I never ordered them. I now have a collection agency contacting me about this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: A person named XXXX, from Wells Fargo Dealership Services, keeps leaving messages for me at my father 's home and on my nieces cell phone. His message is to call him at XXXX. I have never been called directly. The problem is, I do not currently, nor have I ever had a car loan with them. I do n't even have a Wells Fargo bank account. 

When I return the call I am told there are XXXX XXXX at the office XXXX claiming not to be the caller. When I tell them I ca n't give an account number because I do n't have an account, I 'm then asked for my SSN. I refuse to give them that information as, if I indeed had a loan, they would have it on file. I have always given them my legal name when calling. ( Which, by the way " XXXX '' spelled incorrectly on his initial messages. ) They 've never been able to pull up any of the phone numbers they 've left messages for me on yet they continue to call them. In trying to get this resolved, I 've been left on hold for up to 20 minutes only to be hung up on. I 've left messages for a supervisor with no return call. 

I have never requested nor received a car loan from Wells Fargo. 
Every vehicle I own, I paid cash for. Wells Fargo has made no attempt to resolve this issue even when I call to speak to them. The one time I did speak to someone " semi helpful '' I requested the calls be stopped. She assured me they would be since she could n't find anything under my name. I do n't even know how they got my father or niece 's, out of state phone numbers in the first place. They keep harassing my family to collect a debt that does n't exist.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other service problem

Complaint: Bank not allowing bank account to link to coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: My wife and I have filed with XXXX XXXX. we have enrolled XXXX Wells Fargoaccounts. we closed our Wells Fargo account but my wife was a cosigner onour sons account so Wells Fargo started pulling money out of his accountwithout his knowledge or consent and without ours. No letters, emailstelling us anything

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Looking at the documentation that was provided to me by both the credit collecting agency and the " Orginal debtor '', I have several concerns. The alleged receipts concerns me. ( I 'll refer to them from here on as " receipts '' but they are a list of charges with not explanation. I do n't believe they are valid receipts. ) The " Original '' receipt is just a list of charges with a signature from the manager at the time. When I contacted the debtor, it turns out that the original manager is not only no longer working there, but it was purchased by a new company. They have no idea what happened during that time at all. What 's more concerning is that other than my lease agreement, the only other " receipt '' is a copy of the original " receipt '' mentioned above with the words Make Adjustment written across it. That " receipt '' is also months older than the original. XXXX were signed by the same manager. It looks like XXXX receipts are invalid. More over, when I contacted them to better understand the charges, they could n't provide me with any information. They did not have any materials receipts or contractor receipts. There was also absolutely no proof that the work they are charging for was completed or who completed it. In fact, the only thing they could tell me what that I allegedly owed them money and they had " documentation ''. However, not only have they had that debt for more than a year, they did n't contact me about it and decided to give it to debt collection agency a month or XXXX ago. None of this makes any sense to me. I believe that what they are claiming is fraudulent and they are attempting to extort money from me. 
When I contacted the collection agency, I requested that they provide me with a debt verification consistent with Texas Law. ( As I currently reside in Texas ) They could not provide all the required information. Under Texas law, if they can not verify that the debt is mine as well as prove they hold a Texas surety bond within 30 days, they are required to delete my debit trade line from their system. Fidelity Creditor Service had refused to do so. I also brought up my concerns about the validity of the debt and Fidelity Creditor Service will not address it as it 's not in their interest to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This company has reported a debt to the credit bureaus even though law states I have a right to verification first. I have requested validation for this debt on XX/XX/18 and have yet to receive this. Yet they put it on my credit. Under the Fair Credit Reporting act a debt can not be reported untill it has been properly verified. This would be the second time this company has violated the law with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: XXXX 2011 my purse was stolen out of my car and was reported to the police along with all my financial institutes. My credit went from XXXX to XXXX due to several bank issues one was mainly Chase bank. There was a $ XXXX charge that was in dispute that was note by chase as a failure to pay. After months of them not doing anything I paid the amount. They refuse to take all the late marks off my account along with posting that it was a write off and it was not. They are also refusing me any line of credit due to my credit score which was no fault of mine. I want this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (VA mortgage) with FIRST CONTINENTAL MORTGAGE LTD (TX).
Issue: Improper use of your report

Complaint: On XXXX XXXX l received a alert message from XXXX XXXX monitoring service that XXXX XXXX in XXXX, ,New Jersey pulled my credit for a VA loan modification. As l spoke with XXXX XXXX VA loan carrier First Continental Mortgage in XXXX, New Jersey. First Continental and XXXX XXXX representative has stated to me on around XXXX XXXX that l was n't eligible for a VA loan modification, because of my Bankruptcy Chapter XXXX and I already had a loan modification finalized and Approved on XXXX XXXX. I filed for bankruptcy chapter XXXX in XXXX, Texas on XXXX XXXX and it was Discharged on XXXX XXXX XXXX by Federal Judge. Why did XXXX XXXX and First Continental pulled my credit and placed a hard inquiries with XXXX XXXX XXXX XXXX? As of XXXX XXXX XXXX my credit scores dropped and my credit is damaged. My credit scores was around XXXX, now there are XXXX because of hard inquiry on XXXX XXXX. This is a Discrimination and Retaliation against me as a XXXX.American and Military Veteran. I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Billing disputes

Complaint: Dispute Case : XXXX XXXX/XXXX/15 XXXX XXXX NJ {$58.00} I received defective merchandise from a company. The item was returned, but the company failed to issue credit. Therefore I disputed the charge in writing on my Discover Card. Discover has not investigated correctly. The merchant presented XXXX. However the merchant failed to provide proof the XXXX XXXX XXXX were accepted. This was denied. In addition I provided proof ( tracking ) that the item was returned as requested by the merchant. Discover claims this to be outside the return limit. However the merchant failed to provide proof of delivery. The return was within the return limit. The merchandise was not as described, i.e. the glasses were broken. Discover Card failed to investigate unbiased. Instead my legal right of disputing a charge were negligently hurt by making biased decisions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX this company pulled my credit and I did n't authorize this company to do so.

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 06/20/2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: My brother and I started a business account at Suntrust bank, because one of the bankers told us about a promotion they were offering. When we sat down with the banker and started the account. She told us all we had to do to receive the promotion money, was open the account and keep a positive balance for about seventy five days. That was to receive the XXXX XXXX dollars. To receive the XXXX XXXX dollars, she said we needed to sit down with their business consultant and purchase something from the company he worked for. That would be a total of XXXX XXXX dollars if we had met these requirements. All together we spoke to XXXX employees at the bank about the promotion. They all said we would receive the money if we met these requirements. We spoke to the manager, the banker and the business consultant. So we started the business account, purchased a XXXX from the business consultant and we kept are account open since XXXX 2015 and still continuing now. In doing this we met the requirements that we had been informed of. Then when the time came that we were supposed to receive the promotion money. They did a bait and switch. At this time they informed us that we needed to make a XXXX dollars worth of qualifying deposits. As soon as we found this out we deposited the XXXX dollars with in a week. The manager told us that she would snap shot the deposit to show her escalation department we had the money. At that we left the bank. We went back to the bank and asked about the promotion and one of the employees gave us a number to contact the escalation department. When i called that department they told me they would have someone call me back. They had someone call me and tell me they still had n't made a decision. Since then it took about six months waiting on someone to give us an answer about the promotion we deserved for meeting the requirements. Their answer was they would have honored another promotion for XXXX dollars, if we would have met the requirements of making XXXX dollars worth of deposits and that we never registered in the program. Conveniently enough for them, they left this out and did n't inform us that they we 're considering to honor the XXXX promotion instead of the XXXX. They did n't even know what promotion we signed up for. They never even told us we needed to enroll into a program. After this they said that was their final decision and if we called back we would just get the same answer. We would appreciate if we received the original {$400.00} we we 're told we would receive. Thank u.

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MIDCOUNTRY FINANCIAL CORP (NC).
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: XXXX XXXX {$5000.00} Under the Soldiers and Sailors Civil Relief Act I contacted XXXX XXXX in  XXXX 2012 to notify them I was going on a XXXX and submitted the regard documents. The company fail to honor my contract under the Soldiers and Sailors Civil Relief Act while being XXXX to XXXX and the clause of the contract that I paid extra fees in case I got injured. I got injured in XXXX and the company fail to honor the clause of the contract as well. As a veteran I contacted to the company to retrieve some information about my account and why they did n't honor the Soldiers and Sailors Civil Relief Act as well the clause of the contract and someone hung the phone up on me. This company continue to this day to report false information on my credit reporting file as a charge off causing me financial difficulties. XXXX XXXX {$0.00} Under Soldiers and Sailors Civil Relief Act XXXX XXXX also fail to suspend my account while serving in XXXX that led to additional charges that we made on my account without being notified. I file a complaint with the BBB and the XXXX XXXX. stated to me that they have no record of me coming into there establishment to cancel my account and that they normal shred the documents the same day. I stated to the rep. I came me as customer and submitted the proper documents why should I be held accountable and not your rep. He simply stated to me that it 's not his business fault it 's mines and send him a copy of my orders. I simply responding by saying " You let fraudulent activity continue on my account for numerous months and fail to reach out to me but soon I come home from a 12 month XXXX I have a bill that 's in collection from XXXX XXXX '' after I came into your establishment and provided the proper documentation. Now I have to contact the XXXX XXXX XXXX and track down some orders from 5 years ago. I do n't think that 's fair for any service member that 's serving overseas to come home and receive a letter stating you owe and debt that you were n't aware of when you simply done the right thing. I paid the account and brought it to a XXXX balance in order to close on my home because, I did n't want this to affect my credit file but I want XXXX to remove this from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Deposits and withdrawals

Complaint: Bank of America charged me for withdrawals done at the ATM on my savings account. Despite their deposit agreement and disclosure stating that there is a limit of XXXX but of the XXXX, those done at a staffed teller window or ATM do not count. I had done a total of XXXX, XXXX at an ATM and XXXX online transfers. When I called they said that the XXXX at the ATM used up my XXXX allowed so they had a right to charge me for the remaining XXXX at $ XXXX/transaction. I referred them to their own Deposit Agreement and Disclosure ( page XXXX ) and they agreed with what it said, but stated they still would count towards the XXXX so anything in addition would be fee 'd if done elsewhere. I said I thought this was a violation of Regulation D as I understood it as well as their disclosure be unfair and misleading. 

I have a copy of the chat where they did not even know that their disclosures stated that until I copied it. The call I made was allegedly recorded as well.

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 09/27/2017 about Checking or savings account (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I do not frequently use my savings account at Bank of America ; instead, I typically use my checking account for direct deposit and bill paying. 

I was on a student account with no minimum balance requirements in my savings account. At some point this account was switched to a savings account which required a minimum balance, but I was not informed of this change. 

I just discovered that I 've been charged $ XXXX for at least XXXX years ( my statements do n't go back further ) because of this. Bank of America refuses to refund my account for those fees despite me offering to increase the balance of my account to meet the minimum.

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 09-02-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The below complaint/request was attempted to be sent to Experian through website and was rejected. It is impossible to get an Experian human being on line. Ihave tried twice without success. On the second occasion I used two prompts suggested by a CFPB telephone representative. A second rep indicated that this failure could be the subject of a complaint. Here is that comlaint. 
1.In a letter dated XXXX/XXXX/15 from XXXX Bank XXXX it was stated that a credit card for XXXX was denied based upon information provided by Experian. The fact is that I did not apply for the card. I have been the victim of Identity Fraud. According to both XXXX and XXXX you have been alerted to my situation and are monitoring my credit. In the letter it is stated that you wrote that your records have me listed as having " Deceased ''. Do your records reflect that I am deceased? Did you provide XXXX Bank a statement in connection with the XXXX application or to anyone else a statement that I am deceased? Do your records reflect that I am deceased? 
I ask for answers to these questions. 
I ask for a copy of my credit report on your files. 
Are you aware that you are to have a Fraud Alert on my file? 
Of the XXXX main credit services notified at the request of XXXX you stand alone in not advising me that you have undertaken that assignment. Why is that? 
Why is it impossible to reach a live person in your employ?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have my majority of my student loans through Navient, both federal and private, and they have refused to put me on an income-based repayment plan. I have pleaded and argued with them for months now and continue to deny me this service. I have also noticed that every time I speak to an employee at Navient I am told different information whether it is I can file for forebearance or not until my current balance is due, which they currently charged me late fees that add up to {$810.00}. I am sick and tired of being used as a living bank that they think they can take all of my money, and leave me with nothing to live for.

Company response to consumer: Closed with explanation