milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: During a review of my annual credit report in   XXXX   XXXX   I found an account for  XXXX   XXXX . I do not have, nor have I ever had a satellite service and I have never done business with  XXXX   XXXX . I contacted the credit reporting company to file a dispute but they report their investigation is complete and the account is valid. In   XXXX   XXXX   I contacted  XXXX   XXXX  directly and asked for proof of the validity of my account ; however, they refused to speak to me stating that the account has gone to collections and I must contact the collections company. In  XXXX  of  XXXX  I contacted a company called   XXXX   XXXX   XXXX   and requested proof of my debt but all they provided me with is a cover letter stating " the debt is valid, attached is verification of the debt '' and a past date bill from   XXXX   XXXX   XXXX   for an account with my name but at an address I have never lived at, nor been associated with. They are incapable of providing proof that this debt is mine but they are unwilling to remove it from my credit report.

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 12-11-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Application, originator, mortgage broker

Complaint: I am writing to you under a Power of Attorney given to my husband and I by our son XXXX XXXX XXXX. Bank of America is giving us what can only be described as the " run around. '' In approx. 50 days, XXXX XXXX XXXX, our son 's payment on a HELOC issued by Countrywide will triple. He has been paying interest only on the loan for 10 years, so he has paid them roughly {$35000.00} in interest. He inquired about a refinance or loan modification in XXXX XXXX, which was denied by XXXX XXXX. When we finally got her to call us back to inquire about the confusing denial letter, she said the correct way to proceed was with a Making Home Affordable Application. She requested and we sent her the POA and on XXXX XXXX, XXXX, we XXXX the completed application. On XXXX XXXX, XXXX, BoA issued a letter to XXXX saying that XXXX XXXX would no longer be our dedicated representative. The letter gave us a new number to call for status : XXXX. A loan specialist named XXXX called our son XXXX XXXX XXXX on Wednesday XXXX XXXX, XXXX. Our son referred the loan specialist to XXXX XXXX XXXX under the POA. The loan specialist said he could not find the POA in the Bank 's document system. He asked us to fax it again which we did. The fax was confirmed. Checking back with BoA we were connected with XXXX different people each of which could not answer our inquiry and none of them could locate either POA, nor the application. I feel certain that these are delay tactics in order to spin out the time until the payment triples and then they will sell the loan making modification nearly impossible. I wrote to the monitor recently because I do n't think BoA is acting in good faith. It is overlooking a whole category of borrowers drowned by Countrywide. I am attaching the letter to the monitor and XXXX complete application which states how he was harmed. Anything you can do in this case to make sure XXXX gets full and fair appreciation will be greatly appreciated. XXXX XXXX XXXX XXXX ( by POA ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: i am a XXXX XXXX XXXX retiree who became involved with numerous online business opportunity scam companies. i paid impact ranking XXXX and XXXX inc.XXXX. i reached out to my bank for help after finding out i would never be rendered any service at all ever.i called my bank in XXXX to tell them i was not rendered any service by either one of these companies.i get really confused when my other credit card companies refund me the same company and my capitol one card wont.these companies are committing a crime with a merchant account.how can anybody who took a serious look at my account not see the fraud. i dont feel i was treated fairly or the bank even investigated.i know it wasnt a billing error. i was never rendered any service.i know i signed a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MS).
Issue: Credit decision / Underwriting

Complaint: XX/XX/2016, I applied online for a refinance with Wells Fargo Mortgage. Documents requested were submitted through the online portal. I was requesting some cash out to satisfy another loan as well, so the total amount requested was around {$110000.00}. As I monitored my application online, I noticed that the amount requested increased to {$110000.00}. I emailed the contact I was given, and inquired as to why the increase, since I had not requested it. I was told that amount would consolidate all my mortgage debt. All documents required for a decision were submitted, and I received a conditional commitment letter for {$110000.00} ( please see attachment ). I also paid for an appraisal. After the appraisal was received, I was told that it came in too low, so consolidation was not possible. I asked about a refinance to a lower interest rate with no cash out or a HARP loan, and I was told that was not possible either, since I had a home equity loan. I then asked why was the loan a home equity, but got no answers. I received no copies of loan documents, nor have I received a final denial or approval letter. All documents that I submitted online have been deleted.

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 07/30/2015 about Bank account or service (Savings account) with ALLY FINANCIAL INC. (WA).
Issue: Account opening, closing, or management

Complaint: I changed my address for my account at Ally bank to a local address in XXXX, WA. Ally bank once again locked me out of my account without even contacting me at all and are stating that they need verification that i live at that address. This address is for a food bank. I am homeless and therefore do not have any utility or other bills sent to this address. This is an ongoing problem with ally bank, but not a single XXXX of my other institutions. not XXXX, not XXXX, not higher XXXX ( my student aid bank ), not a single other financial institution has a problem with me or my addresses, but ally immediately shuts down my acct everytime i try to change my address with them. They even once changed my address against my will and without authorization, then tried to lock me out yet again. I am sorry that i do not have a permanent address like most people but surely there are other people this is happening to. my dad retired as a XXXX and had a XXXX for years and never had a single problem, but yet ally wants to give me problems all the time. This is discrimination against the homeless and i am sick and tired of it. this is like the XXXX or XXXX time ally has locked me out of my account and refused to allow me access to my own money. How are they allowed to repeatedly do this???!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing LLC ( SLS ) XXXX XXXX XXXX XXXX, CO XXXX or XXXX XXXX XXXX XXXX GA XXXX bought our mortgage loan from XXXX ( XXXX ) on XXXX XXXX, have not been late with payments, now they have increased payment by {$300.00} a month because escrow was short to pay XXXX tax, offered to pay the difference to keep payment at original but said they could not drop monthly amount until 12 month review. I now want to pay tax and homeowner insurance myself I would save by paying quarterly.I have filed Homestead with FL which will reduce XXXX tax by 50 %. SLS after reading reviews appears to be a questionable co. that needs to be investigated. I offered to pay my original monthly payment and pay up front the difference in escrow shortage for XXXX taxes so long as my monthly payment stays the same as it was.SLS will take my money but will not lower my payment to what it was.

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 04-07-2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: We are trying to Refinace our mortgage with our bank in our home town, and Beneficial ( my current mortgage holder ) will not produce the proper papers to show payment history. We have been fighting with this company for years and requested this paper work on XX/XX/XXXX. Had a conference call with them yesterday XXXX XXXX were they told us and the XXXX XXXX XXXX bank collector that in XX/XX/XXXX, we missed XXXX payments! There is only XXXX months in a year ... But then they said for XXXX months all of our payments were past XXXX days late! Th n it was said again by beneficial that it was because we were in bankruptcy ( our mortgage was NEVER in the bankruptcy, we continued to pay them our selves. After a year of us being in our bankruptcy beneficial decided to punish us by taking away all of our online access to our account, we could no longer view our account we also requested that they prove to us we were late and were told that they could n't release any information to us about our account! So now they know, as I have made it very clear to them that we want out from under them. Now they have made me lose a business opportunity ( as that loan was going to get rolled into our new mortgage ). I have been out of work since XXXX and am having surgery tomorrow and have now been put into a financial crunch because I no longer have an income and will not be able to work for at least another XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While checking my personal credit report, I noticed XXXX Employers listed as XXXX, XXXX XXXX and XXXX XXXX XXXX on EQUIFAX credit report. I have never been employed by these companies. I am requesting that EQUIFAX immediately remove these names from my credit file, listed as my previous Employers on my credit report. I have attached a screenshot of the incorrect information listed on my credit report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Debt collection (Medical) with Professional Adjustment Corp. of S.W. FL., Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I pulled my credit report so i can finally clear up my credit and the rep lisette was very rude and nasty towards me because she stated I took none of her calls when she tried to contact me which I have call block on my phone do to the phone number belong to someone else and if not in my contacts I explained to her I had insurance during those periods ive been scammed before and she said theres nothing they can do rude

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and XXXX XXXX XXXX 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through XXXX XXXX XXXX, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.

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 06-03-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: My credit is frozen with all three credit reporting agencies, but on XXXX XXXX 2015, XXXX XXXX issued me a brand new credit card. I sent letters to all three credit reporting agencies asking how it was possible for me to get a credit card when my credit is frozen and they responded with " There is an Active Security Freeze on your credit file. '' They did not answer my question. I want to know how it is possible, if there is an Active Security Freeze on my credit file was it possible for me to get a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX collection copy has recently sent me a letter. Stating the removal of negative information off my credit report. This information has not been updated. I have since forward the infomation to the CRA. Transunion, XXXX and XXXX. Please assist with having this information remove from my credit file. The information do not have my name on the debt. 

Thank you, 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 non-monetary relief
Consumer complaint received 06/19/2017 about Debt collection (I do not know) with UMPQUA HOLDINGS CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Financial Pacific Leasing  2 c ontract agreements I filed a concern about this company last year with NO resolution. This deal was negotiated through a broker who told me that I could pay off these  two  {$5000.00} leasing loans at any time, without penalty. When I attempted to do so, the finance company gave me the pay off at 50 % interest. This is NOT what I agreed to. I have maintained my payments in good faith, but I am having difficulty maintaining payments at this time. This bank should not be allowed to pretend that the broker 's misrepresentation of the payments are not their problem. This is a convenient way to extort money out of unsuspecting business owners. I have already filed a legal complaint against this broker,  XXXX   XXXX , because what he did was disgusting. What I want is a reasonable payoff and never have to deal with this company ever again.

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 06/27/2017 about Payday loan, title loan, or personal loan (Payday loan) with Ad Astra Recovery Services Inc (KS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I took out a payday loan at XXXX XXXX on XX/XX/XXXX, and subsequently was unable to pay. They sent it to their collection agency, Ad Astra Recovery. I filed for Chapter XXXX bankruptcy on XX/XX/XXXX and they were included in my case. They are still reporting on my credit, and I have contacted them in regards to the issue, and they 're always rude, even after I made them VERY aware that I had filed and they were included. The amount shows {$430.00}, and that the account is still open. I even gave them my bankruptcy case number, as well as the number to my attorneys office. I am trying to start my credit profile over again, and I have been denied a few things all because of this inaccurate status.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Admin Recovery, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Admin Recovery called my husband 3 times back to back each day for the past week, called XXXX of my kids 4 times every day from spoofed numbers leaving voicemail stating the call was for me and I could go to jail over this debt, and they call me a minimum of 3 times every day and have since XX/XX/2013! They threaten me, they 've called my mother in law and given her all the details of my debt. They have yet to send any mail since XX/XX/2013. I have asked them to stop calling my job and they still do and tell coworkers what it 's about. I am at a loss. I do n't have the money to pay them. The new Healthcare crisis makes my monthly premium over half my salary. I 'm not making ends meet now.

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. (MD).
Issue: Money was not available when promised

Complaint: On Wednesday XXXX XXXX I solid {$1900.00} worth of XXXX XXXX on coinbase. {$1800.00} of which should have went into my XXXX wallet on their site as cash. The remaining {$28.00} was their transaction fee. As of this complaint i still have not received the money from the sale. After opening a complaint ticket that has only been replied to with a non related automated response and the waiting a total of XXXX hours on hold over the course of 3 days I was informed the money was sent to a nonexistent address and I would just have to wait. This does n't make any sense I have executed several transactions before and after this incident exactly the same way and it was fine. The system only requires you to click the icon for you XXXX wallet and then select your XXXX wallet to execute a sale at no point are you required to enter any information. So the possibility of a data entry error on my end is absolutely 0 %. I have now been waiting 14 days for a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Checking or savings account (Checking account) with U.S. BANCORP (OH).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have for the third time already had problems with this bank and services that it is suppose to provide for me. I have account balance notifications set up for my email and text message that never work while the bank continues to charge overdraft fees to my account while it continues to go further into the negatives. My account dropped below my notification limit on  XXXX / XXXX / 17  and have yet to receive any type of notifications to this date of  XXXX / XXXX / 2017 . My account dropped into the negatives on  XXXX / XXXX / 17  but have yet to receive any notifications or have the decline of my card to this date of  XXXX / XXXX / 17  to which i have gotten to  XXXX . There is also an instance in which they charged  XXXX  overdraft fees  on one d ay  XXXX / XXXX / 17  of  XXXX  $ each for a total of  XXXX   . Ag ain no notification both email or text was ever sent all the while allowing me to accrued debt and fees with no knowledge or notfication.

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 02/23/2016 about Debt collection (I do not know) with Wilson, Riley & Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received numerous phone calls at work from Wilson, Riley and Associates at XXXX leaving messages that I need to call back immediately or face legal repercussions. I do not have bad credit or any outstanding debts. I called back and the male that answered the phone was very rude and disrespectful. I told him not to call me at work, I am not XXXX XXXX and I was going to report him for contacting me. He said he is within his rights to contact me and to have fun trying to file a complaint. I do not want this company calling me and harassing me at work. I could lose my job for having personal phone calls like this. My job also does credit checks and my good credit is dependent on me keeping my job. This is creating a stressful unnecessary hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit card or prepaid card (Store credit card) with JPMORGAN CHASE & CO. (MA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I applied for an Amazon credit card ( Chase Bank ). I have good credit ( credit score of XXXX on the day I applied ). This score is better than others who have obtained this card, according to my reseach. I have a screen shot of this score if you would like to see it. I have low utilization of credit and I pay all my bills on time. I was denied the credit only because I obtained bankrupcy 8 years ago. It is illegal to deny someone credit on the based of a status such as bankrupcy : "  Federal law provides express prohibitions against discriminatory treatment of debtors by both governmental units and private employers. 

A governmental unit or private employer may not discriminate against a person solely because the person was a debtor, was insolvent before or during the case, or has not paid a debt that was discharged in the case. 

I would like Chase Bank investigated for discrimination. The reference # of the letter I received is # XXXX. Thank you!

Company response to consumer: Closed with explanation