milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (GA).
Issue: Incorrect information on your report

Complaint: I received a letter from XXXX saying that my loan was being transferred to Specialized Loan Servicing, LLC ( SLS ) around XX/XX/XXXX. After not hearing from SLS around the first week of XX/XX/XXXX I decided to contact them. I asked them for a welcome package and a billing statement so that I can make a payment. I was informed that both would be sent out within 3-5 business days. After receiving nothing for another 2 weeks I contacted them again and requested information regarding my loan. I still received nothing after a week so I contacted them again and asked for a supervisor. I was informed that a welcome package should arrive soon and I was informed that my mortgage was under investigation because the terms of the loan did n't match up to what they had on file. I had a promotional interest rate of 1 % with XXXX and SLS had my interest rate at 4.75 %. I contacted SLS again in XX/XX/XXXX because I still had not received any information regarding my loan or the terms of my loan. I spoke with a supervisor, XXXX, who informed me that I would not be receiving a statement because I did n't have a payment due until the year XX/XX/XXXX because I was paying far in advance. She stated that it 's not unlawful to not send out a statement if there was no payment due even though interest is accruing. She also assured me that the interest rate that I had from XXXX would carry over. After speaking with her for about 40 minutes with no resolution I decided to just refinance my loan so that I would n't have to deal with SLS at all. I contacted XXXX XXXX on XX/XX/XXXX for refinance and we began the process. On XX/XX/XXXX SLS sent me a welcome letter via email. On XX/XX/XXXX, SLS sent my first statement. I have since closed with XXXX XXXX so I 'm not involved with SLS any longer. Another issue that I have is that SLS did n't report any of my loan transfer to the credit bureau so it looks like a long good standing account with XXXX was closed which dropped my credit score significantly. To date, SLS still has not reported my account with the credit bureau.

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 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have notified the agency several times to remove all information stating that my residence has been used for a business. This information is incorrect I do not own a real estate company or any of the other businesses listed on my report. Please remove all notices that state business for XXXX XXXX XXXX XXXXT XXXX, GA and XXXX XXXX XXXX XXXX, GA.

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 01/29/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I have made a money withdrawal from my Coinbase account to my bank account on the XXXX of XXXX and on the XXXX of XXXX. I did receive a confirmation from Coinbase, that money will be on my account accordingly on the XXXX and on the XXXX of XXXX. 
I contacted Coinbase first time on the XXXX of XXXX and on the daily bases since then. e-mails and phone calls. I even tried to contact them trough my bank. 
Today I have got Coinbase to add me to their priority list, at least they say so. But money has not arrived. They have taken money from my Coinbase account the same day I made a withdrawal. But in 2 weeks it has not arrived to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I found on my TransUnion Credit Report hard inquiries that I did not authorize. I contacted TransUnion to remove these from my report and they refuse stating that the inquiries are a factual record. I have tried several times to get these removed since I did not authorize but TransUnion continues to remove. These inquiries are from XXXX, 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 explanation
Consumer complaint received 06/25/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (CA).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: Note : This is the third complaint I have submitted for the same issue. I believe that I have been very clear as to the nature of my request and they still refuse to honor it according to California law ( CPC 530.8 ) even though they have given me multiple verbal assurances that they would and I have been diligent about complying with their instructions. In the event they still refuse to comply with this request, I will continue to file these complaints until they do, or I decide that legal action is the only remedy. They need to take this matter seriously. <P/>A Target store card account was fraudulently opened in my name by person ( s ) unknown on XX/XX/XXXX. This person subsequently purchased over {$6000.00} worth of merchandise using this fraudulently obtained line of credit. <P/>The identity thief was careful to cover their tracks and I did not discover that this had occurred until sometime in XX/XX/XXXX. At this time I contacted Target Card Services ( TCS ) and made a request for identity theft information that I am entitled to under California law ( CPC 530.8 ). <P/>The first response I got from a TCS representative was that they " did not have to comply with California law because they are based in Minnesota ''. Through persistence, I eventually persuaded them that they do indeed have to comply with California law because they do business in California. <P/>They then told me to submit a notarized written request for this information ( at my own expense ), which they received on XX/XX/XXXX at XXXX. <P/>The California statute says that they have 10 days after the receipt of this request to comply with the information request, which they in practice completely ignored. <P/>The main document I am interested in is the actual personal information that the identity thief used to fraudulently open the account. This would allow me to know exactly which of my personal data were compromised as well as helping law enforcement to help identify a suspect. <P/>The first attempt to comply with this request resulted in them sending me the personal and confidential information of an entirely unrelated person in XXXX who just happened to open an account on the same day as the identity thief. I was frankly shocked at this reckless disclosure of some innocent third party 's confidential information, but I am not surprised given my experience with this organization. <P/>I informed them of their inappropriate data breach and they responded by making another attempt to comply. They sent me a copy of MY OWN personal information and NOT the application data provided by the data thief as I had requested. On a subsequent phone call they stated that they consider this to be acceptable ( I disagree ) and would not comply further with my information request. <P/>This is what prompted my third complaint to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX Ocwen Loan Services has taken it upon themselves to escrow our homeowners insurance after 22 years of us paying the insurance company directly ourselves. I have tried since XXXX to get this resolved and every since then the problem continues to remain. Them escrowing my homeowners insurance had caused our mortgage payment to go up an significant amount for the past two ( 2 ) years. Again for XXXX we are experiencing the same problem and will experience another year of higher mortgage payment because of them escrowing our homeowners insurance. We never consented to having our homeowners insurance escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was told when I got the loan that it would be 75-80 dollars a month payments. The payments are actually almost {$300.00} a month. Every time I tell them I ca n't afford the payment they defer the loan. All the while the balance is still going up because interest is accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was informed that my account with Lowe 's was closed on XXXX XXXX, 2017 due to a drop in my credit score from  XXXX and outstanding debt along with recent delinquency that does not exist. I informed them that I had increased balances in paying off my daughters college tuition and sold my home to payoff the debt. I have been a good customer with them for 6 years with no problems and this was an arbitrary action. I read several consumer reviews on Lowes and the same  complaint as mine is a common characteristic complaint of Synchrony Bank. They waited until I paid off the account to close it with no warning.

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 07/24/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Credit decision / Underwriting

Complaint: I applied for refinancing of my home through the same bank ( Citi ) which has held my morgage for some time. I initially was told that because of some special program, my credit would not affect me. While I was completing the application on the phone, I was asked whether or not my son ( whose name is also on the Mortgare ) was marry. The answer to this question is yes. I was advise that I would have to take him off the mortgage, and I agree. I was then asked for 12 months of bank statement which shows that I was paying the mortgage from my account. This information was provided. My bank statement has been scrutinized, and Citi Bank is now questing what are some of my payments. My understanding of when a consumer is asked to provide this document for refinancing is to verify whether or not there are enough funds to pay the mortgage, and not for any other reason/s. In my history with Citi Bank I have NEVER BEEN LATE, THE MORTGAGE IS TAKEN TWICE PER MONTH FROM MY ACCOUNT, THERE IS MORE EQUITY IN THE HOME THAN THE BALANCE DUE TO THE BANK, I AM NOT TAKING OUT ANY FUNDS, ALL I AM TRYING TO DO IS TO PAY LESS MONTHLY, in order to save more for my retirement. Therefore, why the hassle. It is my opinion, this is due to the location of the property.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent inquiries / all inquiries

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 09/25/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Deposits and withdrawals

Complaint: Went to check my balance on my account and noticed that there were XXXX transactions for a XXXX loan for {$94.00}. Check with the XXXX account hold to see if he made the payment and he said no. Call customer service to see if they can figure out what 's going on. Spoke with a customer service rep named XXXX .that told me I had to file a complaint with collection fraud. She transferred me over to XXXX that he could see it. But started to tell me about the other transactions on my account like my transfers. from my savings to.checking in which the days do n't add up from when I transferred money over. Then he told me there was no XXXX payment for {$94.00}. I told him yes there is or I wo n't be calling your company. And another thing he asked me for a verbal passwordthat I do n't remember doing. Please help this is the second time I am trying to like this bank but the more I stay the more problems I am having.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Credit card () with DISCOVER BANK (NJ).
Issue: Advertising and marketing

Complaint: I responded to Discover credit card 's promotion offer XX/XX/XXXX. In particular, Discover offered 10 % rebate for purchase at XXXX XX/XX/XXXX. I made purchase at XXXX following the instruction at discover.com. However, Discover credit card did n't honor its program to give me the rebate it had promised. I have been chasing the money since. I contacted Discover credit card several times, initially, it told me that Discover offered 5 % rebate, not 10 %. I asked Discover to provide its document to show the 5 %, not 10 %. It has never provided any document. Then, it changed its position, told me that Discover credit card did not offer any promotion at XXXX. 
I field complaint against Discover credit card XX/XX/XXXX. Discover credit card responded with the complaint was not authorized user. It is total lie. The attached documents show that I do go by different names and Discover credit card is fully aware of my names. 

In summary, Discover credit card has unfair dealing and cheating me on the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/20/2017 about Debt collection (Medical debt) with FirstPoint Collection Resources (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or about XX/XX/XXXX a company by the name of First Point Collection Resources added two medical debts to my credit report. Amounts : {$430.00} from XX/XX/XXXXand {$110.00} from XX/XX/XXXX I was not given notification of this debt or given a chance to dispute/request validation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: We were in a Federal Declared Disaster Area for Hurricane Irma. I heard by others that Mortgage companies were allowing home owners to put a " hold '' on their mortgage payments for 90 days. I called Wells Fargo in response to this and they said yes, they could hold the Mortgage payment for 90 days with no penalties, late fees or consumer reporting. I was also told that the payments that were missed would be moved to the end of the loan. After the 90 days, I resumed payment on the Mortgage and have made every payment on time. I have never missed or have I been late on a Mortgage payment. I thought it was great that Wells Fargo was going to help us get the repairs done that we needed. We also lost power for 1 full week so we lost all of our food and supplies that were in our refrigerator and freezer. We were unable to cook and we had to find somewhere else to stay during this time as it was 87 degrees inside of our house. I was quite surprised to receive a letter from Wells Fargo in XXXX in reference to the pending foreclosure on our property. My husband spoke to XXXX XXXX from Wells Fargo and he " suggested '' we do a loan modification. We are not interested in doing a loan modification at this time as we would like to sell within the next few years. After many lengthy conversations I ended up speaking with XXXX XXXX, a Supervisor who informed me that they could do a loan modification with only an inspection of our property and job verification. I decided that was doable just to put this whole thing to rest and move on with our lives. Last night I received an e-mail from XXXX stating that we would have to do a full modification because I stated that we were in the middle of a lawsuit and my " funds were being stifled ''. We are in a lawsuit and we are the Plaintiff. I never stated that my funds were being stifled and have not been late on any Mortgage payment. I feel this is Wells Fargo 's way of trying to hurt me, their customer for almost 10 years with our Mortgage. I also was under the impression that if you are in a FEDERALLY DECLARED DISASTER AREA, as we were, that Mortgage companies are not allowed to do this nonsense. This has caused me a lot of stress and I need a resolve to 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 05/19/2017 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Two weeks ago I had sent a letter  of VALIDATION to Atlantic Credit & Finance Incorporated . Prior to the letter of Validation, I sought out verification first and did n't receive any, instead today I received a letter with an old billing statement from the original creditor about the debt I owe. I know that I owed the Original creditor, but as  for Atlantic Credit & Finance Incorporated, I w anted VALIDATION that I owed the debt to them as in I wanted a signature of mine consenting to their company to collect this debt. I just only received VERIFICATION of said debt in the form of an old billing statement.

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 09/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Bank of America breached my account holder 's contract by paying out {$19000.00} to a non-owner of my individual account on XX/XX/XXXX. I was the sole owner of this account as shown on signature card and verified by Bank of America on three separate occasions after this date. Pursuant to the account agreement, Bank of America should not have permitted any withdrawals from this account except those on the account owner. However on XX/XX/XXXX Bank of America accepted a checking /savings withdrawal from the non-owner in the amount of {$19000.00} as shown in the photo copy. 
I immediately notified Bank of America and tried to stop payment on this transaction XX/XX/XXXX but since this withdrawal was done in person on XX/XX/XXXX the money was gone from my account and the cost of the Stop Payment was return to me. I notified Bank of America of this fraudulent withdrawal by filing a Fraud Statement of Claimant form on XX/XX/XXXX. I also reported this to the XXXX Police Department. 

Getting no positive response from Bank of America I enlisted a local attorney XX/XX/XXXX. Due to deteriorating health issues that caused me to be diagnosed with XXXX XXXX XXXX XX/XX/XXXX, I was not able to pursue this case further since the XXXX was a two year XXXX XXXX XXXX XXXX  from several treatment centers and hospitals in XXXX and XXXX XXXX Missouri. Finally in XX/XX/XXXX my attorney sent a letter to Bank of America Legal Department stating our case against them. On XX/XX/XXXX Bank of America responded asking for documentation to be sent to fax number XXXX. Copies of the individual signature card, individual signature card with personal bankers name, Fraud Statement of Claimant, and Bank of America withdrawal slip for {$19000.00} from the non-owner honored by Bank of America were all sent by my attorney on XX/XX/XXXX to Bank of America fax number as requested by the Bank of America Legal Department. However, as of XX/XX/XXXX no other response has occurred to my attorney or myself since XX/XX/XXXX from Bank of America.

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 11/22/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2015 i disputed through this portal the false reporting made by XXXX XXXX XXXX during my chapter XXXX bankruptcy.I spoke with a representative from Experian and she said that after being contacted by the cfpb.She did not know which account was being disputed so she contacted XXXX and they told her to delete them all.Yet on my credit report the negative XXXX is still there and she deleted XXXX closed positive accounts and shrunk my credit history by 20 years.This has also happened on my XXXX report.I am entitled by federal law to an accurate and fair report.So how can my reports be either accurate or fair if they are allowed to delete accounts that are not in dispute.They are supposed to do a reasonable investigation, it is not reasonable that i would be disputing my closed positive accounts.She informed me that i would have to get them to report them again.That is not reasonable because they are closed accounts that were deleted before their expiration date.So i guess now its not safe to dispute through the CFPB PORTAL.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AR).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: For the past year I have been trying to fix my credit record with XXXX  and also XXXX XXXX XXXX ( XXXX ). I am trying to open a checking account or even a savings account so I can stop utilizing XXXX XXXX  to hold my Money. I have tried every bank I can think of to open one up and was even denied by all the Financial Institutions that offer 2nd chance checking accounts. I have paid for all my past charge offs but the only bank that refuses to take my name off for a past mistake which they consider " suspicious fraud '' is Bank of America. They said even after I paid what they claim I owe them they will not report me in good standing or remove the negative report on XXXX or XXXX. My problem isn't that I have close to $ 100k in my safe that I would like to put in a bank but I can't seem to get any bank to allow me to do so because Bank of America is holding me hostage and unwilling to work with me. Please help as I am willing to even pay double what they claim I owe just to be done with Bank of America.

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