milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Statement date XXXX/XXXX/2015 and the latest correspondence from Wells Fargo Home Mortgage. In depositing funds into and for my monthly mortgage for XXXX 2015 of {$300.00} and unapplied funds of {$540.00}, which sat in my account since XXXX XXXX, 2015. I asked the teller at the Wells Fargo route XXXX branch in XXXX, NC to total and add the deposit which totaled {$840.00} to my current XXXX monthly mortgage. She and XXXX of the bank supervisors looked over the account, saw that the unapplied funds were there and specifically asked " how would you like you 're deposit and unapplied funds applied ''?. To which I replied to my current XXXX monthly payment. In the latest statement dated XXXX/XXXX/2015, I see that my request was not honored and that when Wells Fargo received these funds, they applied {$170.00} to principal, $ {$420.00} to principal and {$220.00} to escrow. While the statement states Unapplied XXXX / Unapplied {$300.00}. I write this in frustration and awe as to the tactics Wells Fargo Home Mortgage displays on a daily basis when it comes to my account, as if this is a game to them. I hereby request a Forensic Audit on my account to clarify how the deposits that I have made, have been applied to my account. It is troubling to say the least that Wells Fargo continues to taunt customers into believing they can not understand exactly what is taking place. Especially when it comes to understanding ones account. I currently posses all of the deposit slips I have made and personally walk into the bank, speak and know bank managers personally when making my deposits and I do this for this very reason. Not to just exchange pleasantries, but to also make certain that all my deposits are accounted for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (TX).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: Before I put complaint whit XXXX XXXX my balance was in XXXX ... XXXX ... now XXXX XXXX close my complaint after 6 months and my balance is XXXX, each payment is XXXX ... ..if I do n't put the complaint whit XXXX XXXX this company go in to still my money ... .image if they do this to each costumer ... .the company name is credit acceptance

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 06/28/2017 about Debt collection (I do not know) with I.C. System, Inc. (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Complaint # XXXX was filed against IC System and I received a very vanilla response to my concerns about them trying to collect an unverified debt. I have no idea what this debt concerns. I spoke with this company and they came to the conclusion that the address is incorrect where any so called notices were sent. CFPB you have my correct address so please ask them to verify it. I also requested them to send me any information used to verify this debt and what methods they used to verify it. Nothing was provided to me. I never used XXXX 's services and never will. I now have a paper trail and will definitely contact a lawyer and sue I C System, they are used to it by now.

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 10-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Federal loans are supposed to be XXXX due to XXXX & XXXX XXXX through XXXX XXXX XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: As the result of receiving XXXX XXXX ' XXXX/XXXX/16 Late Payment Reporting Notice ( attached ), I visited XXXX on XXXX/XXXX/16 in order to request or review my credit report for responding to same. 

Since Equifax Credit Services now offers the ability to review and dispute negative account entries online, I initiated an Online Dispute of the XXXX/XXXX/16 XXXX Past Due Payment entry. In addition to indicating the account was in Dispute and providing the CFPB Case # ( XXXX ) covering same, I also uploaded copies of my communication w/ XXXX containing details of the XXXX actions that resulted in the dispute. The uploaded documents were the same documents submitted to the CFPB in support of the above case #. 

As opposed to flagging the XXXX Past Due Payment entry as Disputed and adding the documents uploaded in support of same, Equifax 's alleged 4 day investigation instead resulted in corroborating w/ XXXX to remove my Clear Card payment history in an attempt to bias and/or distort the circumstances surrounding the XXXX/XXXX/16 late payment entry. A copy of resulting Equifax investigation response is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: We just learned today of yet another credit reporting company XXXX  after our information was hacked through Equifax. We had put credit freezes on the other bureaus several years ago and upon learning of XXXX are trying to do the same. XXXX has three ways : - online : did submit a request yet there is NO transaction record, or recordable confirmation!
- by mail : requesting our sensitive information to be sent by mail! That is NOT going to happen.
- by phone : try their number - it does n't pick up or promptly disconnects after an extended waiting period?
We will protest this intrusion into our private data through all possible venues including like we do here, with the CFPB. We will record and hold to account all who are responsible for our protection. We, the People, will rise!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I wanted to get a lower interest rate on my home, so I check my credit and seen that there was a derogatory listed as a bankruptcy. The listed item is entirely inaccurate and incomplete and represents a very serious error in TU reporting.. I disputed the error with TU which they received on XXXX XXXX, XXXX. 
TU sent me out a confusing investigation procedure on XXXX XXXX, XXXX explaining their goal on maintaining complete and accurate information on consumer credit reports. 
It gives a detailed investigation procedure on contacting the source of the information but singled out matters concerning public records while giving an incomplete investigation procedure on this topic.. On XXXX XXXX, XXXX TU completed their investigation when checking the details of the investigation the date that this information was updated was on XXXX/XXXX/XXXX which was the same day the dispute was delivered..It was still inaccurate with the following : contact details, date filed, estimated removal date and docket number which caused me to reach out to the listed item contact details on XXXX/XXXX/XXXX, which was returned to sender as not deliverable.. A description of the procedure used to determine the accuracy and completeness of the information was requested as well as a final goodwill attempt for TU to clear up the matter delivered on XXXX/XXXX/XXXX ... Instead of a procedure A personal credit report dated XXXX/XXXX/XXXX listed a masked SSN that also was n't requested in violation of 15 U.S. Code Section 16.81g ( a ) ( 1 ) ( a ) .. my account numbers has been partially masked and scrambled which is a clear sign of inaccuracies per TU ... On XXXX/XXXX/XXXX TU Investigation was completed again ... And in the results summary the item was verified as accurate. 
During the process of this from XXXX XXXX, XXXX until now this item has still not been listed in a dispute status ...

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 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX-Misled me on an inquiry about truck loans-I told the salesman NO HARD Iquiries-and to use my SCORESENSE service to see if it made sense to continue-RESULTS HARD INQUIRY FROM XXXX XXXX XX/XX/2015 XXXX-2inquiries 1 : XX/XX/2015 from XXXX XXXX by way of XXXX same type of scenario 2 : XX/XX/2015-Unkown inquiry according to XXXX they dont know who ordered it XX/XX/2015-XX/XX/2015 ANOTHER INQUIRY AGAIN-XXXX Go XXXX-salesman ( named XXXX ) assured a soft pull-RESULTS : HARD PULL EXPERION

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 12/19/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to refinance my home-during this process- J.P. Morgan/Chase is \ not cooperating, The liens have been discharged in a bankruptcy- No one will help me clear this up. 
I have attached the necessary BK discharge papers. 
Please help clear this up so we can refinance our home.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Consumer Loan (Installment loan) with EXPERT GLOBAL SOLUTIONS, INC. (TN).
Issue: Problems when you are unable to pay

Complaint: This is about a collection company for XXXX. I was in the hospital in XXXX for over XXXX years. The phone number XXXX called me on the hour every hour. When I was released from the hospital they called me last me last night. I asked what company this was. I explained I had been in the hospital over XXXX times in the last XXXX days and when I got settled, I would review the situation. I got another call from them XXXX minutes later and then again in an hour.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection agency has opened an account on me for {$480.00}, this is in regards to equipment that has been returned to  XXXX   XXXX   XXXX  through the   XXXX   XXXX   by me. I followed the instructions to return the equipment and it was received by  XXXX   XXXX   XXXX . I owe nothing to  XXXX   XXXX   XXXX  and request that the account be closed and wiped from my credit files that it is being reported to currently.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Back in XX/XX/XXXX I was laid off my job and I lost everything from my car, to my house. I called into XXXX XXXX explain this issue. XXXX XXXX claim to have been understanding but still demanded payment when it was due. I struggled all year to get on my feet. I am a single mother and its not easy to lose everything and have kids you have to still feed, house and clothed. I started a part time job and gave what I can just to pay my credit line on time while trying to get back on my feet but it was until XX/XX/XXXX, I found a fulltime job and was actually on my feet. 

I have reach out to XXXX XXXX in XX/XX/XXXX to see if out of goodwill they would be kind to remove the late payments on my credit report due to my hardships and they stated they cant and that they will place a disagreement code on my credit report. I have been with this company for 3 years now. It just shocks me that they are not understanding of serious situations their customers endures at times.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Medical) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had XXXX on XX/XX/XXXX. After paying over {$2000.00} out of pocket for the different XXXX supplies, etc., I received a bill from the hospital for $ XXXX. I contact XXXX about the bill and found that XXXX denied the claim for 'lack of medical records ' on XX/XX/XXXX. An 'EOB ' was generated on XX/XX/XXXX. The same claim was adjusted for payment on XX/XX/XXXX. Another EOB was generated on XX/XX/XXXX. The same claim was adjusted on XX/XX/XXXX, but there was no change in payment, so no EOB was issued. The claim was again adjusted on XX/XX/XXXX, but again no change in payment so no EOB. The claim was adjusted again on XX/XX/XXXX which reduced the payment XXXX paid from {$2700.00} to {$1900.00}. Even though there was a change in payment, NO EOB was generated. This entire time, XXXX kept advising me to pay my copay of {$45.00}, which I promptly did. XXXX specifically told me not to pay the hospital any other amount. Because of this nightmare, the hospital sent my bill to a collections agency. Not once did XXXX contact me to advise of their mistakes when processing the claim. I only found out about this when I began receiving calls, up to XXXX times a day, from the collection agency. The hospital was tired of waiting for my insurance to straighten out their errors, so they sent the original bill from XX/XX/XXXX to collections. Now, my credit rating has been effected and I am constantly receiving calls and letters for a claim that has been adjusted numerous times. I do n't even know where to start. I have begun the process of filing executive complaints against the insurance company and the hospital for failing to process the adjusted claims. I have also submitted a verification of debt and request for all correspondence in writing letter to the collections agency. I have also initiated complaints through the Consumer Financial Protection Bureau, the Florida State Attorney General, and the local XXXX. This company is ripping off consumers and hoping that people get fed up with the complicated processes and just give up and pay an incorrect bill. Disgusting. I want XXXX to admit their error, contact the hospital to pull back the debt from the collections agency and correct the claim at the hospital so that I can receive a correct bill for my surgery, performed over a year ago, pay the bill and be done with this nightmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage adjusted our mortgage payment without providing the disclosures required by 12 USC 1026.20 ( d ). We received no notice XXXX days prior to the adjustment date, and therefore did not receive the disclosures and information that would have led to reduced mortgage payments through refinance or other methods. I have asked them about this and they refuse to acknowledge their responsibility to provide this mandated disclosure. Additionally, Nationstar, even after multiple requests, refuses, or is unable, to provide a copy of the Note with all modifications thereto as required by California Civil Code section 2943 ( b ). Nationstar claims XXXX XXXX as Trustee is the owner of the Note, but all they have provided is a copy as it was on the day it was signed, showing XXXX XXXX as the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (SC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Chase Sapphire closed my credit card account with the credit limit of XXXX that I open XXXX XXXX XXXX and they closed my account XXXX XXXX XXXX for a charge off i end up moving and I never received my card and it was fraud charges that made my balance XXXX when I recently opened a XXXX XXXX for the first time to check my score and saw it, I called chase and told them about it and since I never made the charges and never received my card I requested for them to reopen the account and send me a new card they told me they was n't able to but they will start a fraud investigation and I would have to reapply again I do not want to do that and they pull my credit I should n't have to when I never made the charges and when they investigate it they will see that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: COINBASE BANK TRANSFER DEPOSIT I made a international bank transfert ( XXXX ) for deposit on my COINBASE account on the XX/XX/2018 
Afterwards, I have realized I have made the transfer from an unsupported country ( XXXX XXXX ) according to COINBASE website. Therefore, there was no indication to make sure the actual bank transfer is not from an unsupported country during the process of how to make a deposit on a COINBASE account. 
I have no updates from COINBASE on where is my money, if it has been credited on their account in XXXX, if the money has been send back to me, I have no deposit on my COINBASE account either. I can not use it on my account as it doesn't show any amount on it. 
I have sent 3 differents complaints on COINBASE website starting from 10 days after I made the bank transfer, and I only had pre-made replies out of subject initially, and then NO MORE REPLY ... 
I am absolutely ALONE now. 
NO one from COINBASE is trying to contact me and help me or giving me status of that situation or updates.

I have called them in USA on their Support phone number as well but NO ONE replies ... 
I don't know anymore if I will get my money back from COINBASE. 
I NEED HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit card () with BANK OF THE WEST (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/2016 I received a call from XXXX from a women who said she was calling from Bank of the West. She informed me that the she was calling customers because the bank had sent out promotional credit cards to their good customers, with 0 % interest for 6 months and that a lot of people were saying they never received anything. She asked if I had received a credit card in the mail. I told her I had not received any credit card. I assumed that this was a mistake, since there was nothing on my account online. She told me that the she would send out a new credit card and to expect it in 7 - 10 days. On XXXX/XXXX/2016 I noticed a new line of credit on my Bank of the West online account. XXXX also sent me an email that there had been activity on my account. On XXXX/XXXX/2016 I called Bank of the West and I told them my story. They told me that I had signed up to their promotional credit card, which I never did. I told them I needed them to cancel the card and to report this to all credit bureaus as a mistake. She then said she would send an email to her manager to look at my account because I have indicated the account open was done fraudulently. She said I would get a call back. What I think happened is on XXXX/XXXX/2016 the person I spoke to was lying and she actually signed me up for a credit card without my permission. I think this seems probable as her story, that the bank was giving out credit cards seems flawed, I 'm not a good bank customer. Although I have good credit on my bank account I routinely go negative balance. If that did n't happen and Bank of the West opened an account without my permission this is not okay as I never agreed to their credit card, the line of credit and their terms. They have a high interest rate on their credit card 19 % and only 6 months no interest promo, that 's pretty XXXX. I have a XXXX card with no interest 21 months, I would never get a Bank of the West credit card, makes no sense.

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 08/18/2015 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid off my XXXX credit card thru Credit Control, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo XXXX but it still show 's as in collection on my credit report. How ca this be removed? XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: My credit card has been charging me the penalty APR rate of 29.99 % interest since XXXX XXXX. They claim that my account is in penalty status, however they were not able to provide me with any of the following information when I contacted them on XXXX XXXX, XXXX : 1 ) my original APR, 2 ) the reason why my account is in penalty status, 3 ) the date that my account went into penalty status, 4 ) the date of any notification that my account was going into penalty status and the resulting increase in APR. My understanding is that if my APR is to increase that I am entitled to a notification or a reason, and I never got one from them. I have paid XXXX in additional interest.

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