milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has lead to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media while Equifax has access to all means of communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Loan servicing, payments, escrow account

Complaint: In previous correspondence with the Wells Fargo Executive Resolution Specialist Customer Care and Recovery Group, it was my hope to update and resolve the outstanding funds ( which were paid and applied ), seems to be in influx while the Executive Department decide whom authorized ( XXXX ) unauthorized escrow analysis. Everyday since my first contact with cfpb, I have diligently attempted to contact XXXX XXXX ( XXXX ) XXXX x XXXX and XXXX XXXX ( XXXX ) XXXX x XXXX, whom are my direct contact personnel. Today I called and spoke with XXXX XXXX @ XXXX and also XXXX XXXX XXXX @ XXXX ( located in the California offices . With XXXX XXXX I requested that she attempt to locate both XXXX XXXX and XXXX XXXX and to leave them both an email. When contacting the California offices and speaking to XXXX # XXXX, I briefly went over my account and the funds not applied. This letter arrived today, yet the letter is dated XXXX XXXX, 2015. In the letter it states that my account is delinquent and in default, despite Wells Fargo receiving {$820.00}, {$490.00} and {$1100.00}, all applied and received at the Wells Fargo Bank ( XXXX XXXX ). I myself personally deposited these funds and posses receipts. Additionally I inquired if my account was updated and if the California offices were in direct contact with the Executive Offices. It is appalling to deposit funds only for Wells Fargo to then send constant letters saying my loan is in default and that they need extra time to research funds that were deposited. It seems both agencies do not communicate with one another, thereby sending out threatening letters of default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Credit card () with BB&T CORPORATION (NC).
Issue: Delinquent account

Complaint: I wrote a letter to XXXX on XXXX/XXXX/2016 stating that I have no money to make payments on the credit card. I stated that I am now on a fixed income & the income that I receive from Social Security XXXX are totally used up covering my minimal living essentials. I ask them to close the account & to please cease and desist from all future attempts to collect on my balance. Any correspondence related to my account should be conducted in writing to the address. Do not attempt to contact me by phone. And not to discuss or contact anyone regarding my account. I also wrote that I have become XXXX. I have received calls from debt collectors. The call I received Saturday XXXX/XXXX/16 had me crying so hard because I could not pay my minimal. I told her {$25.00} I could and it would take away my food. She started questioning me about if I had stocks, investments so I could pay. Told her no and she made me feel so ... .small, upset because now that I have become XXXX my life has changed dramatically and it 's really tough. I told her that I mailed a letter to the billing inquiries in XXXX, NC and she told me that I should 've sent it to XXXX, NC so I sent another one. ( If it is recorded, I ask BB & T to listen to it. I felt harassed, bullied and her demeanor was very mean. ) I received another call XXXX/XXXX/16. The lady was nice and kept apologizing because I felt so bad. She mentioned that they also had to close my XXXX and I said that was fine because I never used it. Now I am receiving letters from the bank saying that they 've denied me of the XXXX and turned it over to XXXX XXXX XXXX XXXX. I will continue receiving the statements with late fees of {$37.00} continuing to add up.

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 02/17/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed a dispute with Experian disputing, XXXX XXXX XXXX XXXX, which is showing a past due balance of {$900.00} and I filed Chapter XXXX bankruptcy including credit first which means that it 's suppose to have a {$0.00} balance and report that it is included in chapter XXXX bankruptcy, another one is XXXX which is reporting twice for {$100.00} and once for {$440.00}, and also there is a chapter XXXX bankruptcy that is reporting incorrectly, such as date and case number and amount, when I asked them how they verified they stated that they used a 3rd party data mining company when they are suppose to speak with someone to verify the information themselves, and not use a 3rd party company. I sent letters asking how the other information on my credit report was verified they sent a letter stating that they have some new information and that it will take an additional 30 days, I thought that the credit bureaus had 30 days to investigate and if they are unable to resolve in the 30 day timeframe they are suppose to remove it from the credit report and not say they have an additional 30 because the have new information. If they have the new information why do they need an additional 30 days when they can go ahead and update 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 non-monetary relief
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (ID).
Issue: Other transaction problem

Complaint: This is the second time this has happened to me. I place a limit order buy/sell then the order gets stuck in pending for hours or days. First time took a week to settle and lost alot of money because of it. This time I am on hour 5 ... we will see how long it last. This all took place on the XXXX exchange on XXXX/XXXX/XXXX. The last time happened on XXXX/XXXX/XXXX. When I tried to get help through their process the first time i got no response at all. Even after the settle. I actually did n't get an email from them until about 8 days ago and the response was that they say no problem so no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: We had an existing Home Equity Line of Credit ( HELOC ) established with the Bank of America. This was to expire in XXXX, 2016 so we began the process of applying for a new HELOC to be able to transfer the existing balance from the old program to the new one. 

After successfully establishing the new HELOC we began to get statements which stated that our MINIMUM payments were to include both principle and interest. We assumed that the terms of the new HELOC would be the same as the old and that interest only payments would be sufficient until we totally paid the loan balance planned in a couple of months. 

To our shock, subsequent statements showed that the MINIMUM payment balances were rolled over to subsequent statements WITH A LATE PAYMENT PENALTY APPLIED! 

At no time during our application and signing process were we told that interest only payments were no longer sufficient and that the new HELOC program REQUIRED a MINIMUM payment that included principle AND interest. 

When contacted, the Bank of America did forgive the penalty for 1 month but required that we pay the total outstanding amount ( principle, delinquent principle as well as interest ) or otherwise be charged with another delinquent payment penalty.

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 05/31/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX   XXXX  , 2017, some one cashed a forged check in the amount of {$1500.00}. On  XXXX   XXXX ,  2017    when the check posted on our account, we first contacted Chase and informed them of the fraudulent activity, then immediately filed a police report with  XXXX  Police Department case #  XXXX  with   XXXX    XXXX . Chase informed us it would take up to 30 days to investigate and return the funds. On the  XXXX , we contacted Chase to get an update on the claim and they informed us the claim was denied. They would not refund our money because we were negligent with our checks. That we " didnt keep our checks in a safe at all times. '' My husband went to the local branch to discuss this matter further and the banker herself said she has never kept her checks in a safe ever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/14/2015 about Debt collection (Medical) with AMCOL Systems, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: AMCOL System, Inc. violated Fair Debt Collection Practices Act [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 

AMCOL System, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) the false representation of - ( A ) the character, amount, or legal status of any debt. ( 8 ) False or misleading representations. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

AMCOL System, Inc. violated the North Carolina Collection Agency Act section 58 70 110 ( 4 ) Falsely representing the character, extent, or amount of a debt against a consumer. 
AMCOL System, Inc. violated the Fair Credit Reporting Act 1681s-2 ( b ), A person shall not furnish false information to consumer reporting agency. 

AMCOL System , Inc. reported to consumer reporting bureaus inaccurate information such as but not limited the alleged collection account date of delinquency ; therefore, resulting in inaccurate reporting periods, etc. 

AMCOL System , Inc. 's violations of the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and Fair Credit Reporting Act are documented as follows : Exhibit A : Written correspondence dated XX/XX/XXXX which I sent to AMCOL Systems , Inc. requesting validation, etc. ; sent via Certified U.S. Postal Mail. 

Exhibit B : Correspondence dated XX/XX/XXXX from AMCOL Systems , Inc. addressed to me in response to Exhibit A. 

Exhibit C : AMCOL Systems , Inc. credit reporting entry on my consumer credit report. Said credit reporting entry of AMCOL Systems , Inc. clearly stated a false Date of XXXX Delinquency : XXXX of an alleged debt, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Debt collection (Credit card) with Novea Portfolio Management LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is in regards to XXXX original a count # XXXX in the amount of or close to {$29000.00} has more than exceeded the California time statue ( 6 ) years with no payments, activity and or dialogue in that same time ( 6 ) years, to legally collect this debt. I would like that the collection agency listed below, to contact XXXX and or other credit agencies to remove this negative mark from my credit report immediately and or issue to me on my behalf a document / letter in reference to that THE EXPIRATION OF THE STATUE OF LIMITATIONS LIMITS THEIR ABILITY TO PERSUE LEGAL REMEDIES that pertains to the XXXX # XXXX in the amount of or close to $ XXXXXXXXNOVEA PORTFOLIO MANAGEMENT ( their a count # XXXX ) Address : XXXX, Florida. XXXXPhone : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02/22/2017 about Credit card () with WELLS FARGO & COMPANY (TX).
Issue: Delinquent account

Complaint: I have a credit card with Wellsfargo but never activated the card. it is linked to my bank and I have automatic payment on. However they decided to hit me with a late payment report that hurts my credit score. This incident is costing me money and would like to file a complain to have this late reporting taken off.

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 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had several deferred loan modifications with   XXXX   XXXX   XXXX  . Between the years of   XXXX   and  XXXX . During the loan modification months when they tell you not to make a payment, they also tell you after a decision is made that your mortgage account will start off fresh with no late fees. When I check my credit report it shows the deferred months as late payments. It also show as past history payment while the under writers are try to see what plan I qualify for. The statute of limitation for Texas is 3 or 4 years and its hard to raise my credit score. In   XXXX   I was one of the consumers who really could not afford a mortgage but was given a loan any way from  XXXX  loan and some time shortly my loan was transferred to   XXXX   XXXX  . I knew there was a law suite with   XXXX   XXXX   but I did not under stand why. Can someone please tell me where do I stand on this issue.

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 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: My husband and I ( XXXX and XXXX XXXX ) have a joint account at Bank of America. The recent balance in the account was approx {$24000.00}. On X/XX/2017 we were contacted by Bank of America to inform us that earlier that morning someone was able to represent himself as XXXX XXXX, successfully opened an additional joint checking account with Bank of America in XXXX XXXX 's name with a joint account holder. Neither my husband nor I know who the joint account holder is. {$140000.00} was successfully transferred to the fraudulent account. Essentially it was explained to us that my husband was a victim of identity theft. On XX/XX/XXXX I was initially assured that the money would be restored to our account and once restored I could go to the branch and close out my account that had been breached and created a new account to transfer the funds in to. Unfortunetly the funds we never transferred back to my account. I am now told that this will not happen until the fraud investigation is complete and that this could take up to 30 days! I find this unacceptable. I do n't understand why my funds have to be tied up for 30 days. We have presented proper ID at the bank and still we are told 30 days. I have been a customer of Bank of America for at least 15 years. This is not a small amount of money and I find this to be inappropriate and unethical. An investigation can continue without them holding my funds. I want my money transferred back to my account ASAP.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: You have reported incorrect my personal information,

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I lost my job due to lack of work. Its taken everything I got to feed my kids and keep the lights on. I 'm only 15days late on my mortgage with 21st mortgage corporation. I tried calling and talking to my financial counselor XXXX XXXX to see if he could give me until XXXX/XXXX/2015 to make payment in full. I began to tell him my situation he replied " so your going to risk the roof over your children 's head by not making this payment today in full. '' I was spoken to very rudely then hung up on. I tried to call directly back XXXX times never got him back on the phone I had to speak to someone else which only told me to sell whatever I could to make this payment or did I know a few people to borrow money from. because they will give me no other option other than pay it in full or its out of there hands after today. I offered to pay {$250.00} today and the rest on the XXXX but they refused to accept it. and told me if I did n't pay it in full by XXXX eastern time today that they would move forward with foreclosure process.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Halsted Financial Services, LLC. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They call me multiple times per day and when I answer most times there is no one on the line to take talk to. After receiving five call in one day with in a few hours of each other, I answered and someone was there to speak to. I told him to put me on do not call, I would call them when I had the money to pay my debt. He told me " I will not take you off the call list and you will continue to get calls '' he then hung up on me. Since this phone conversation the collection company continues to auto dial me several times per day.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Medical) with Tulsa Adjustment Bureau (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Attempted to work with debt collector with no form of success. Documents will be attached for details.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: Hello i applied a loan from CAC credit acceptance Corporation for a loan on a car at XXXX based on my credit score, i being a first time buyer was unaware of the consequences with CAC, after the purchase of my car with in the first week my car was involved in a accident XXXX which i was n't at fault with and was considered a total loss, i reported to XXXX on the same day on the site of the accident at the time of the incident and took care of the issue i have n't even received my license plates, and CAC was also notified with this incident and has still reported a late fee which i did n't have to pay, i was sure about most of the new car payments start with 30-45 day after the purchase of the car, the most shocking thing wass i have n't received any of their CAC payment check books till last week, and they expect me to pay which i was n't notified at all, the last thing i was also shocked about that they have really messed up my credit score i was building by reporting that i have n't made a payment XXXX that my loan was n't cleared as they have cashed the check that XXXX has sent, and that their systems still has n't fixed that issue, which dully brought my credit score horribly low, all i'am asking for is justice and a fair play, and not to do this with the new comers who just started to work as well as to a person who just got a new credit card.

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 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX applied for an auto loan. I was approved with XXXX XXXX XXXX. I have several hard inquiries for the same pull on XX/XX/XXXX for this auto loan. I would like to only have the banks in which I wasnt approved pulled from my credit hard inquiries report. I have the pulls with the following on the same date ofXX/XX/XXXX. Can this be reduced to just one pull from XXXX XXXX and XXXX XXXX if anything 1. XXXX XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX 8. 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 explanation