milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Back in XX/XX/XXXX my Mom XXXX XXXX and I ( XXXX XXXX ) decided to refinance our mortgage to obtain funds to give my eldest daughter a sweet XXXX. We reached out to mortgage broker XXXX XXXX who sent a representative to our home and refinanced with XXXX XXXX XXXX. Together, my mom and I signed all documents in the presence of the Broker, and in XX/XX/XXXX the loan began being serviced by Wells Fargo 's subsidiary America 's Servicing Company. The new loan was not fixed as we were informed by the broker it would be and we could no longer afford the payments. From that moment on we began requesting a modification from America 's Servicing Company. They began to tell me that I 'm not on the loan, but on the mortgage and my mother is the noteholder and stopped communicating with me. I have lived in the unit since owned in XXXX of XXXX. At the time of purchase my mom resided in a city owned apartment, but moved in with me as we were informed my unit had to be her primary address. My mom continues to pay the rent as to ensure shelter for our family if foreclosure is the end result. In XX/XX/XXXX we reached out to a third party to assist us and XXXX XXXX America 's Serivicing Company offered us a trial modification plan and I set up electronic payments for XXXX, XXXX and XXXX of XXXX. After all XXXX payments were received ASC requested a copy of the deed and it was provided. Then ASC began the process all over again. Since then, we have been submitting hardship letters and other requested documentation only to continue to receive the run-around. On XXXX XXXX, XXXX my mom and I were requested to appear in court for a mandatory foreclosure conference. The referee overseeing the conference enforced the Bank 's attorneys to work it out with us, I was informed that we would have to submit a new modification application and are scheduled to return to court on XXXX XXXX, XXXX where a decision will be made. We submitted everything as requested, modification application and supporting documents only to receive feedback that ASC is not reviewing our case at this time as nothing has changed. Trying to keep a home for my children and grandchildren has been a long and drawn process. We have spent close to {$15000.00} in attorney fees over a five year period with attorneys telling us they are experts in modifications and the end result remains constant run-around. My mom and I will continue to to find the means to advocate in hopes to keeping our home. I have filed a complaint with the New York State Department of Financial Services who directed me to the Consumer Financial Protection Bureau. I hope you can help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (DC).
Issue: Application, originator, mortgage broker

Complaint: I have been getting a lot of refinancing offers from my servicer with titles such as " Caliber Has Important Payment Savings News for YOU. '' The " savings, '' however, come from the re-amortization of the mortgage at a new 30-year term -- the actual interest rate is higher than that on our current mortgage. I understand mortgages well enough to know that this offer makes me worse off. However, I think other consumers could be tricked into a contract that makes them worse off. ( Admittedly, there 's fine print at the bottom of the ad that alerts consumers to this issue, but I think it 's cryptically worded. )

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (KS).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX I wanted to send {$4000.00} to a grandaughter via paypal. I made a mistake, leaving out the XXXX in the address ; the money was sent instead to another person.. I contacted this person via email, and got no response from him. I then contacted paypal to file a complaint, who ruled in favor of the recipient. I believe pay pal also handles business accounts, in which larger amounts of money are transferred, in which there is a delay is made, allowing for correction of mistakes. I again contacted pay pal, which did nothing. I would greatly appreciate any help you can give me in this matter. I realize that the mistake was mine, but surely you can appreciate that {$4000.00} is an awful lot of money for an XXXX year old widow to throw away!

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Billing disputes

Complaint: bank of america refuses to remove there error on my credit card for {$1100.00} after i disputed fraudulent payments made to my account. its clearly their error when i call them they tranfer me from department to department and no one seems to be able to fix the problem.

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 08-12-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I discharged from bankrupcy in XXXX 2015. I believe there is information reported on my reports that should not be there. ( ex : open status, balances )

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Other transaction issues

Complaint: My name is XXXX XXXX : I am writing because I have not been able to use Western Union nor XXXX to do money transaction here in the State of Pennsylvania as I have been doing money transactions with these XXXX companies for several years up until XXXX XXXX of this year. 
I had received refunded my money back and will need to do a transaction again in XXXX and I want to know for sure before that time I will be able to use either XXXX before that time. The resolution is that I can go to any Western Union store or a XXXX XXXX store to do money transactions without being interrogated by the clerks at these stores. 
Thank you in advance as I received your latest email saying that the XXXX was still being investigated and I would rather use WESTERN UNION or XXXX as I do them in person but would like to be able to do them on the computer. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (GA).
Issue: Managing the loan or lease

Complaint: On Friday XXXX XXXX, 2015 I made a payment at XXXX to Ally Bank for my automobile. There cut off time is XXXX so therefore the payment was made on the XXXX but would not post to me Ally account until the XXXX. I called Ally bank on Saturday XXXX XXXX, 2015 I spoke to a representative and I asked them specifically would that payment be recognized on the XXXX even though it does not post to my account until the XXXX, and if it wont what other payment options do I have because I do not want my credit to affected. The rep from Ally bank told me that it would be recognized on the XXXX even though it was after cut off it will just post to my account on the XXXX but my credit will not be affected. I then went on to ask are they sure and if not can I make a payment that day the XXXX. Once again the rep stated no my credit would be fine and the would see that payment was made before cut off time. Well the rep was wrong and they instantly reported late on XXXX XXXX, 2015 which in turn has destroyed my credit and brought my score down almost XXXX points this is the only negative item affecting my credit right now. I have tried several times to resolve this issue with the company but nothing has been done. I am asking that they hold the word of their employee especially since I offered to pay and they told me no it will not affect my credit. I have contact an attorney because this is not right nor fair. All I am asking is that they remove the XXXX time derogatory remark from credit based on the fact their employee told me it would be ok.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Tried to pay a vendor online and set up automatic deductions from the account. TD Bank said they allow XXXX to do that but not the company I need to pay XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Billing disputes

Complaint: To Whom It May Concern : On XXXX XXXX, 2016 a letter ( see Chase Notification ) was sent to Chase which Chase received on XXXX XXXX, 2016 ( see Chase return receipt ). 
Chase did not respond to this letter and initiated dunning calls. 
On or about XXXX XXXX, 2016 Chase in response to a verbal comment, classified the charges as unauthorized and issued provisional credits. 
On XXXX XXXX, 2016 Chase posted a letter claiming that a benefit was received from those charges ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 ) In XXXX XXXX, 2016 Chase called but we were out of the country. 
On XXXX XXXX, 2016 the letters Chase alleged benefit letter-1 and Chase alleged benefit letter-2 were received. 
Between XXXX XXXX, 2016 and XXXX XXXX, XXXX approximately 11 calls were made to Chase regarding this matter. 
On XXXX XXXX, 2016 a letter was sent to Chase ( see Chase executive ) Chase responded I. The initial notice of a billing error was received but did not apply as Chase alleged did not receive fraud letter til XXXX XXXX, 2016 II. Chase policy requires certain form to be completed. 
III. Chase policy required subpoenas for certain information. 

Chase violated 15 U.S. Code 1666 by I. Exceeding 90 days allowed to resolve billing errors ( see Chase alleged benefit letter-1 and Chase alleged benefit letter-2 and Chase Notification ) a. Chase is falsely claiming that it was notified of billing error/fraud on XXXX XXXX, 2016 but refuses to provide any evidence to support that claim II. By claiming that the burden of proof is upon the card issuer to prove transactions were authorized ( See Chase Executive ) III. By not providing documentation used to make decision. Chase alleged that there were recorded phone calls that proved authorization occurred, but only providing XXXX copies of receipts. ( See Chase XXXX receipt XXXX and Chase XXXX Receipt XXXX ) a. Chase subsequently provided more receipts, but Chase claimed that a recorded telephone call was the evidence they believe showed that a benefit was received. 
IV. By not providing all evidence required to prove that the charges were valid, despite repeated requests ( See Chase Emails ) a. Chase later provided receipts, but this was not the reason Chase claimed that a benefit was received V. By not complying with US banking laws despite being told explicitly of the violations ( see Chase Emails ) These violations are most egregious as Chase was informed of the violations in writing ( See Chase Executive ) but defended their actions with specious reasoning, claiming that the unauthorized claim occurred later than documented and referring to Chase policy regarding proper forms, which were submitted and Chase legal policy but never addressing the direct violations. 
I believe that Chase should not believe that it can not grossly violate the US Banking laws without recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: OnXX/XX/XXXX2017 I went to the Transunion website to lift a credit freeze I had on my credit report. A few years ago I had gotten free credit monitoring from them because of a credit card breach that I had been involved in. I put a freeze on my credit report at that time. I needed to lift the freeze because I was refinancing my home equity line of credit. When I got to the website I could not figure out how to lift the freeze on my account. I was able to login, but every link I clicked on ended up in a request to sign up for their credit monitoring service for {$19.00}. My free service had long since expired and I do not want to sign up for their service for a fee. I finally gave up and had to call their customer service number to get help. They use a call center in XXXX. I have many times talked to people who work at call centers in XXXX and I have always been able to understand them. This time I could not. I finally had to ask for a supervisor because I could not understand the young lady. The supervisor was not much better, but I believe the credit freeze has been lifted. We 'll see. My complaint is that I think it is wrong for them to make it so difficult for you to access your account and lift the credit freeze online. Every link I clicked on ended in a request to sign up for their credit monitoring service for a fee. This is wrong! Please go after them and make them stop 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 10/25/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The account of XXXX which has been attached has not been removed from my credit report. This account should be removed from my credit report as it is not mine and a police report has been filed to show that it is a fraudulent charge.

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 07/25/2015 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Money was not available when promised

Complaint: I sent XXXX to someone with XXXX in XXXX, XXXX last XXXX XXXX, 2015 though my bank. It was international money transfer. I came to know that i sent it to him by my mistake. I had called XXXX several times to send it back to my account but they kept telling me to talk with him for his approval but i dont know him. I dont have or dont know his phone number. His bank told me to send an email to them what my problem was. so i emailed to them several times and they ignored me for a long time. I was angry. When i called the bank, i needed my money back asap and they said they cant do anything because they said i am not a XXXX customer and i must speak to the receiver. I was stuck and told his friends to communicate with him for me. He was so angry because he was not allowed to give me his phone number then he decided to close his account after he told his bank to transfer my money back. His friend notified me that my money was on way to my account but the fund was never wired for XXXX months!!! I even stopped by my bank about that many times so my bank contacted their wiring dept to request what happened to my fund and where it was. They found that my fund IS STILL AT XXXX ACCOUNT. My bank from XXXX different locations requested it to XXXX to wire it back to my account several times but XXXX refused to do it for no reason. Why?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (GA).
Issue: Taking out the loan or lease

Complaint: I was told by the auto repair company that I was getting a line of credit with the actually repair company not a lending service, and then when they repaired my vehicle, they cracked my windshield, put no transmission fluid in my vehicle nor oil, weeks later my entire truck broke down. I informed that that I would not be paying for those services until my vehicle was repaired. My vehicle was never repaired causing me to have to junk it and now me and my XXXX kids are without transportation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Consumer Loan (Installment loan) with Stearns Ventures, LLC (CA).
Issue: Managing the loan or lease

Complaint: To whom it may concern, I am writing regarding my current mortgage lending company : Stearns Lending who is currently subcontracting through an agency XXXX to handle some loan issues. 
I had water damage to my den and back bathroom on XXXX XXXX, 2016. My home insurance company XXXX XXXX sent me a check to repairs these areas. The check for reimbursement {$13000.00} was sent to the attention of the lender and myself. I signed the check and sent it to XXXX XXXX XXXX on XXXX, XXXX, 2016 and they were suppose to sign it and issue a new check. I have been waiting 4 months to receive the reimbursement and fix my den and bathroom. In the meantime I have been reduced to using only XXXX bathroom in my house. I have a son that has a XXXX and is seen at XXXX. He XXXX and it is difficult for XXXX people to use XXXX XXXX when someone has a XXXX such as this. Also due to my previous bathroom being gutted it has let mice, ants, roaches and other rodents into my home. This has cause significant stress to me and other members of my household. They recently told me they would send me a disbursement to start the work. I ended up receiving a check for {$93.00} in the mail. I 'm not sure how they think this will get me started but I did not cash it. I do n't understand why they are holding on to the funds to fix my home. I have provided all the necessary documentation and permits. I need help. I have spoke to various managers and no one is doing anything. Also I am also the one that payed the insurance to cover my home. I spoke with XXXX XXXX and they also do n't understand what is taking so long and why the home has not been repaired.

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 08/25/2015 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased a property at XXXX XXXX in XXXX Florida in XX/XX/XXXX. The seller used an attorney to close the transaction. 
A title search was done and title insurance was issued. 
This year XX/XX/XXXX, Bank of America starts foreclosure on my property stating that there was an outstanding loan on the property at the time of closing. There was not a recorded mortgage at the time. 
Evidently my former seller declared bankruptcy and Bank of America realized they did not record a mortgage on the property that I bought in XX/XX/XXXX. Without doing a title search to see that the property changed hands, they recorded a bogus mortgage on my property and is bullying me and has started foreclosure. 
Please help me. I have a XXXX veteran living in the premises and am concerned that besides paying excessive legal bills to defend myself, if I lose this house, he will be on the street. 
Bank of America knows this is frivolous and is trying to steal my house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MN).
Issue: Money was not available when promised

Complaint: Coinbase transaction placed and was promised on XXXX XXXX XXXX. Bank checking account was charged the transaction amount and fee. Funds were to be available XXXX XXXX XXXX inside of coinbase. Money is still out of my account and the purchase is still not in my wallet. I filed 2 support tickets under two different categories over the last month. XXXX response from company. I have all documents to support this claim and will provide as needed. 
I have tried to contact customer support but the phone system does not handle financial issues that are sensitive. Support tickets have received zero response. I have reached out to all moderators on their reddit page, also no response. 

XXXX XXXX - {$1000.00} removed from my account. 
XXXX XXXX - Estimated delivery date of purchase to Coinbase. 
XXXX XXXX - Unrelated to dispute I receive an annual e mail from Coinbase in regards to privacy contract and dispute resolution. 
XXXX XXXX - Based off information in Coinbase email I run a report that shows this transaction as COMPLETED. Which it is not. 
XXXX XXXX - Support tickets filed and every available alternative to contact exhausted. Was told multiple support tickets by the same person would slow down their response. 
XXXX XXXX XXXX - Still no contact in regards to dispute. No support ticket showing up in my cases under my support settings inside of XXXX. 
Still says pending inside of coinbase. 
Please advise on what approach would be best.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with Firstsource Advantage, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call repeatably/ constantly throughout the day and NEVER leave a message nor indicate who they are answered. It has been nonstop for a few months.They call at work and on my cell phone. They have been instructed to only call at home repeatly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Managing the loan or lease

Complaint: there was a fraudulent credit inquirey from one main financial. i filed a claim with you and the matter was resolved as fraudulent inquirey and was to be removed. you have the letter from one main financial in their reply to you. it is STILL on my credit report. I need it removed immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: In XXXX 2015 I signed up for TransUnion 's credit score service. Unknowingly I was on a 70 day " free '' account which turned to a $ XXXX paid subscription after that trial period. I have unwittingly been paying the subscription without any receipt or notification of my monthly auto-payments. During this time I have NEVER used their services. They increased the subscription amount to $ XXXX without notification as well. I would like a refund for my payments which I never authorized. They total XXXX auto payments from my credit card since XXXX 2015. I am on a fixed income and really can not afford to miss out on this money. I feel like TransUnion has been running a scam to siphon off money from people without acknowledging them doing 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 monetary relief