milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My XXXX Credit Report shows that I had a XXXX Card, XXXX XXXX Card with a balance. Those cards are not mine and they refuse to remove them. My XXXX Credit Report also shows a XXXX and a XXXX XXXX that is not mine. They refuse to remove these items. Please contact XXXX to remove these items.

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 07/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Balance transfer

Complaint: am having an extreme problem with my credit card. Following is the sequence of events that have occurred to date : Called Bank of American spoke to XXXX XXXX around XXXX XXXX about rates for a balance transfer. He informed me that he could offer me a rate of 3.99 % for 1 year. He also stated that he did not know how long this offer would be available and that if I wanted to go ahead and make the transfer from my XXXX account in the amount of {$4800.00} to BOA I could do so and if I changed my mind the transfer would not go thru as long as I called back before the following Monday. 

On XX/XX/2015 I called and spoke to XXXX XXXX and told him that I had changed my mind and did not want to do the transfer. It occured anyway. 

I called on XX/XX/2015 and spoke to XXXX XXXX and he said it would be taken care of and that they would transfer the balance back to BOA with a 0 % rate for 1 year. This did occur but in checking my XXXX statement they made the payment but then BOA sent it back to XXXX in the amount of {$4800.00}. 

My original balance on my BOA card was {$4500.00} with the balance transfer of XXXX that brought my balance to {$9400.00} But instead of having a XXXX balance on my XXXX XXXX, which was the goal, I now have an additional balance of XXXX that I do not owe which BOA ca n't seem to explain. 

I have spent a considerable amount of time and money in an attempt to get this resolved and it is not only frustrating but very unsettling that such incompetence is in charge of my money. 
No doubt this will also have an affect on my credit report as well as my interest rate with XXXX. 
Could you please check into this and get it resolved for me? I ca n't get through to BOA and they really do not seem to care. 



Thank you,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2015 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: Have received XXXX unsolicited notices requesting that I contact them about streamlining my FHA mortgage. First notice was ok. XXXX indicated that did not understand why I would not have contacted them.And third which I will attach, goes as " I wrote you twice before to tell you how historically low rates and recent FHA XXXX program changes give homeowners like you the ability to significantly lower your monthly payment. 
Please act now - at no cost or obligation. I 'd be delighted to show you how much you could save. Please call me at XXXX. Sincerely, XXXX XXXX P.S. Our FHA XXXX process requires no appraisal and normally takes less than XXXX week to complete. " Did not save the second notice but that XXXX indicated that they did not understand why I would not have taken any action after they contacted me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have an account with Coinbase that I used to buy XXXX XXXX. I have now sold my XXXX XXXX  and am looking to withdraw my funds. To do this Coinbase have said that I need a verified bank account ( I used a debit card to deposit funds ). I followed the verification process and on XX/XX/XXXX I  deposited the amount of XXXX from my bank account with the requested reference. Coinbase state that payment methods are verified after 2 days. Mine has still not been verified and the Coinbase Support are not responding to my enquiries as to what is going on. Essentially my money is being held hostage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company was contacted personally. Discussed that permissions to conduct credit reports were not provided. Company disclosed a solicitation call was conducted.     I reinforced the issue requesting the inquires are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (Medical) with Capital Accounts, LLC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have continued to call me and make threats that they are going to put this debt on my credit report even though I still have not gotten anything from them in the mail on who I owe and amount. They offer to text it to me with a link on it and I refused that. I have asked several times for them to mail it to me. I have yet to receive anything. Now when they call they hang up on me as soon as I answer and when I call back they have the same recording that they will transfer the call it rings and then disconnects so I ca n't get this supposed collection agency 's name. One total me Capital Billing and one total me Capital Accounts. I have never been called by the same number. They are all different area codes and phone numbers. I submitted a complaint already on XXXX. I wanted to add to it since a new number called but I did n't see that option. That complaint number is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was tricked into a negative amortization loan in XXXX. I did not really qualify but my loan officer told me they would " make me '' qualify. I purchased a home and got a loan that was way over my head. When I requested to refinance out of the loan the same loan officer said it would cost {$48000.00} to buy myself out of it. In XXXX I started a loan modification with the original servicer, Aurora, but they never completed my review, kept losing my papers, etc, etc. I finally received a loan modification from Nationstar in late XXXX XXXX as a Tier 2 modification. It was still something I could not afford, but I borrowed money to make. I borrowed from my XXXX, my pension and even my parents. In total upwards of {$50000.00}. Now I am having difficulty again, but Nationstar will not review me for another modification even though the government program allows for it. Nationstar states that the " investor '' refuses to give another modification.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Bank account or service (Savings account) with SCOTTRADE BANK (CA).
Issue: Account opening, closing, or management

Complaint: Dear Sir/Madam, I am writing in hopes to resolve a particular dispute with Scottrade Bank and their affiliates collectively referred to as Scottrade. 

Scottrade maintains that I should file arbitration against them for the purposes of resolving a customer dispute, however, neither Scottrade Bank nor Scottrade Brokerage have confirmed the existence of a valid arbitration agreement and has refused to answer any of my inquiries for details. 

I am writing this letter to address a very specific issue. Specifically, I would like a copy of the full " consumer contracts '' that were formerly signed in order to open a Scottrade Bank and Scottrade Brokerage account. 

Please be advised that I previously requested this information from Scottrade Bank and Scottrade Brokerage but was not supplied with an original account agreement. I signed up for the accounts in XX/XX/XXXX, however, Scottrade Bank and Scottrade Brokerage provided me with an unsigned copy of a " consumer contract '' that had numerous revisions from the XX/XX/XXXX version of the contract. 

The contracts Scottrade Bank and Scottrade Brokerage use have " tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore, I am kindly requesting Scottrade Bank and Scottrade Brokerage provide me with the corresponding and original XX/XX/XXXX version of the sign contract and not a XX/XX/XXXX version that is materially different.

Company response to consumer: Closed
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Trouble during payment process

Complaint: Escrow Review Statement received in XXXX 2017 showing shortage of {$2100.00}. 2 options : pay shortage by X/X/17 to have payments of {$2000.00} or have mortgage payments increase to {$2200.00} beginning X/X/17. ( See attached notification ).
<P/>
Payments to cover escrow shortage : X/XX/17 : {$1000.00} ( Total escrow payment {$2000.00} -- {$1000.00} was regular monthly escrow payment ) X/XX/17 : {$1000.00} XX/XX/XXXX : {$110.00} Full mortgage payment of {$2200.00} made X/X/17. In preparation to make XXXX 2017 payment, payment amount had not been adjustment and escrow surplus from XXXX 2017 had not been refunded. <P/> Call to Customer Service week of X/XX/17. Escrow analysis rerun- online payment system would be updated for XX/XX/XXXX payment and overpayment of {$170.00} to be refunded.
<P/> X/XX/17 : Update to payment had not occurred. Called Customer Service and was told adjustment to payment amount would be made, however, update would take place over night in time for X/X/17 payment. Customer service agent XXXX told me that I could not receive a refund by check of my escrow overpayment although I discussed with him that law indicates amounts of > {$50.00} should be refunded. Although it was not my preference, we agreed that he would apply the escrow overpayment to my principle.
This morning, I went online to make my XX/XX/XXXX payment. I found my XX/XX/XXXX payment has been reversed and my account is now showing as delinquent for XX/XX/XXXX payment. ( See account activity statement showing reversal of XX/XX/XXXX payment, account delinquency and all payments to address escrow shortage.

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 03/31/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am being reported 60 days late with XXXX XXXX XXXX regarding my student loan while I was under deferment. They are erroneously reporting me 60 days late with XX/XX/2011. This needs to be updated to correct the status. Furthermore this was transferred /sold to another servicing company called XXXX and XXXX is duplicating this account and should be deleted all together

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 08-07-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Struggling to pay mortgage

Complaint: I am single XXXX woman who is a victim of the predatory lending practices that Bank of America and Countrywide were found guilty of in XX/XX/XXXX. I have always questioned the business practices of Countrywide from day one and have filed several complaints with then Attorney General XXXX XXXX as well as the CFCB. But my mistake was I did not provided the necessary documentation to assist in my complaint .Since XX/XX/XXXX I have stated that I felt that Countrywide had inflated my appraisal so the they may close on my pay-option-arm loan. The first appraisal on my home was performed on XX/XX/XXXX and the appraisal value stated {$85000.00}. OnXX/XX/XXXX another appraisal was performed and it states the value of the home at {$110000.00}. ( 3 months later the value increased by {$21000.00} ). Both companies that performed the appraisal were hired by Countrywide d/b/a Americas Wholesale Lender. I was not aware that they were supposedly " mortgage broker '' ( as stated in CW response to my XX/XX/XXXXcompliant ). They displayed themselves as someone who was hired/or sent out by Countrywide to perform an appraisal on my home.I fully believe that when loan was transferred /or sold to Bank Of America that they were aware of the fraudulent and deceptive business practices that Countrywide did and my loan was one of the predatory loans that Countrywide was found guilty of and still are performing today ( see attachment scan XXXX ). In XX/XX/XXXX United States Attorneys Office Central District of California reached a settlement with Countrywide for 200,000 XXXX and XXXX borrowers who were placed in subprime loans and charged higher fees. ( see scan XXXX ) Please review, investigate all documentation if additional information is needed please feel free to reach out to me. Thank you

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 11/27/2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (ID).
Issue: Application, originator, mortgage broker

Complaint: In XX/XX/XXXX, I applied for a refinance my Loan loan, I have been approved, I have submitted all that was asked and required on a timely fashion, I paid XXXX cash for my home in XX/XX/XXXX, borrowed against my home in XX/XX/XXXX XXXX I have paid the payments to date on time. I wanted to get a lower interest rate and pay off sooner, the XXXX XXXX offered me a loan at 3.75 % fixed rate. The Loan Depo lowered my equity to XXXX from XXXX I felt was a fair market value. Then the requested and said they would pay for the XXXX now they have had the property appraised and the XXXX value was higher at XXXX and they requested to come back and take pictures of inside my barns etc. I believe that the XXXX XXXX is wrong for questioning the integrity of the Appraisal company that they have selected to question the XXXX used some kind of bad judgement.. The documents have expired and the loan appraisal the XXXX XXXX ordered was after the expired date. Todays interests for a 20 year fixed interest rate is 3.250 % XXXX 3.45 % as od XX/XX/XXXX. I feel that I should be compensated over this transaction, for not continuing the loan after they called on XX/XX/XXXX that they loan appraisal was in. Today XX/XX/XXXX The XXXX XXXX is questioning the fairness of the appraisal. To increase my out of pocket expenses tp XXXX plus the origination fees of XXXX, I am questioning this practice as I am only refi- and I not requesting and cash at closing. I am feeling a discrimination practice going on. I would like to decline to continue and have all my personal information that should be privite and considered personal information.. Thanks XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (Medical debt) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I saw negative credit on my credit report by Overton, Russel and Donovan debt collection for 6 year old bill. Never received any letter or call from them just directly reported on my credit report. I was not made aware that I could dispute. Being ignorant I paid my 2 weeks paycheck to them. Within 5 weeks they send me another bill from same company regarding my son, same 6 years old. This hospital they send me bills have been taken over by another hospital 2/3 years back. Also my son always had child health plus insurance. I think they saw that I paid one bill so they are purposely sending me more unnecessary bills to collect money. Someone should really investigate in all their collections and revenues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (NM).
Issue: Trouble during payment process

Complaint: I signed for a VA loan for a house and purchased a home on  XXXX    XXXX . My monthly payments were {$960.00} which also covered the escrow annually. Within two years I received a letter from Chase Banks stating they are now owners of my mortgage account and they will be receiving my m onthly payments. Within months, I received a letter from Chase stating my monthly mortgage will now be {$1000.00}. I called Chase and asked why which they said because my property tax has gone up and  XXXX  was not covering the additional taxes. I called  XXXX  and they said the taxes had gone up but very little.  XXXX  also said they p aid Chase the correct amount every six mont hs and would like to set up a conference call with them to discuss any issues. The conference call was made while at the Chase Bank office and the monthly payments went back to normal. The problem occurred again within a year and my payments went up to {$990.00}. I ca lled Chase again  informing them to stop raising my mortgage payments which they said property taxes are up again then sent me letters showing the tax height. On  XXXX   XXXX , I received another letter from  Chase stating  a monthly mortgage increase of {$1000.00} will be submitted. I called them as usual with the same request. I checked my account today and discovered the mortgage payment remained the same of {$990.00}. I have a VA deductible of {$4000.00} and a {$2000.00} deductible from New Mexico with both cover property taxes and should n't be reason to raise my mortgage taxes nor my monthly taxes and the only reason they have is for their gain and unlawful greed. I want this to stop because their actions are causing lots of unnecessary stress to me and my f amily. Case has  not offered any lower interest rates under the  XXXX   Administration memorandum, they only raise mortgage rates.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (ND).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan off a letter i got in the mail in XXXX of 2014 with Freedom mortgage who carries my current loan. They said i could reduce my rate with an FHA streamline. Then is XXXX i saw that you could reduce your mortgage rate so I asked them if I qualified for that and they told me yes. We will just resubmitt your loan. Well XXXX, XXXX, XXXX went by and no refi yet. They told me they did n't even have anything in there sysytem for me. I asked them to cancel my refi because i was going to go with a local lender here in XXXX. No my local lender is waiting for the FHA case number to be transferred from freedom mortgage and nobody is communicating with my new lender to get this done. I am going on over 6 months now and ca n't get a simple refi done becuase freedom mortgage wont transfer the FHA Case number. Any suggestions or help? 
\Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Re : XXXX Account number : XXXX XXXX regards to this creditor reporting my account 30 days past due. This is very much inaccurate. 
I have spoken with these illegal representative XXXX in regards to maing sure my payments are automatically drafted from my Credit Card. 
and 5x, I have received 5 different responses of yes, no problem, to it is there, to I 'm not sure we can do that, to the last time of, Your card was charged already. 
I can not be more clear when I say this, you CRAs BETTER make sure you get this late mark off of my credit report, or I will be escalating this complaint to the Attorney General against you and 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 06/26/2015 about Debt collection (I do not know) with Northwest Collectors Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Debt collection (Medical) with I.C. System, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is XXXX account, XXXX medical bill owed and they reported each bill individually on my credit. It was maliciously reported and likely illegal.

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 08-03-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: On  XXXX - XXXX -17 I paid my capital one credit card in full by doing a bank transfer from my capital one account to the capital one credit card.
The amount that I put in to be paid was {$1400.00} to pay the balance in full. I distinctly remember this as the bank screen had a small pop up that said the balance is higher than my usual transfers ( {$350.00} and {$200.00} the norm ). The sum was correct. I submitted payment.
Today I got an automated notice saying my account was below the {$100.00} balance that triggers an automatic notice.
I went online and saw that capitalone debited my account {$14.00},  XXXX . I immediately went online and contacted their help department. The bank is now refusing to credit back the funds. My account is completely in the negative because of an error they did. Capitalone is telling me that it will take anywhere from 10-45 business days to investigate the matter. This is a error on their behalf that should take no time to correct as it is all Capitalone banking & credit card. I do not need a $   XXXX   credit balance on my card and have numerous items that automatically debit from this account. The time they want to take for an error they created is not acceptable.

Company response to consumer: Closed with explanation