milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with EAST WEST BANK (CA).
Issue: Loan modification,collection,foreclosure

Complaint: The Lender - East West Bank, XXXX. and its management XXXX XXXX and XXXX XXXX retaliated against me for filing a complaint of discrimination on my mortgage loan account last year and filing an civil action thereafter. In XXXX XXXX and continuing to-date the company and persons shown above assisted by ex-boyfriend XXXX XXXX XXXX and his attorney XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX in having my XXXX ( XXXX ) year-old daughter XXXX XXXX XXXX from my home and placing her in XXXX with the XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX. Upon completion of the XXXX they caused the related court attorneys and Judge to transfer the custody of my daughter to XXXX XXXX. As a result of their actions me and my daughter have been severely harmed as we are not alienated from each other and she can not come home to me. They also limited our visits to see other. From what I know now, the Bank/mortgage lender and its management may have caused my ex-boyfriend and other persons/tenants to target me as they all know each other and the property is now owned by them along with the bank management or associates of the same. The property amounted to more than {$5.00} XXXX dollars. Additionally, me and my mother have been physically harmed as a result of their intrusion even though the police authorities have failed to investigate the matter and mislabeled it as me " having an XXXX '' along with my ex 's attorney XXXX XXXX. It appears that there has been an increased trend in this method of attack on the debtor 's family to steer them from continuing to handle the mortgage payments/prosecute wrongful foreclosure. Additionally, it appears that persons hired by them have caused for the taking of financial records to examine the financial ability of the clients to overcome the foreclosure and allegations of mortgage lates. Finally, XXXX property located at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX was foreclosed upon and I was wrongfully charged with a {$4000.00} appraisal and other charges of more than {$10000.00} without warrant, and management was associated with the buyer who cancelled escrow leading to the property foreclosure. Finally, the bank 's management caused for an intepleader action to be filed so I would still incur attorney fees from the proceeds of the foreclosure sale. To-date the funds left at their disposal even after XXXX XXXX XXXX XXXX or more months following the foreclosure.

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
Consumer complaint received 09-11-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX has called the following cell phone numbers, using an automated dialer, in excess and without permission to do XXXX of these numbers rings to the phone being carried by my daughter who is a minor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Debt collection (Medical) with Gragil Associates, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX repeatedly sent statements indicating a bill was unpaid. In fact, I had used my XXXX Visa card to pay and received an email receipt. I took several actions to relay to them the payment had been made. These actions included a phone call, where I was assured the problem was resolved. Upon receipt of another statement I sent them fax copies on XXXX dates of the payment receipt. 

Despite these actions they sent the issue to a debt collector. I have received XXXX letter from the debt collector and have responded in writing disputing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a  XXXX   XXXX   XXXX  account #  XXXX  reporting this is unknown, no contact information and no validation I have disputed now twice remove this inaccurate item off of my credit file

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 09/17/2016 about Credit card () with SYNCHRONY FINANCIAL (ID).
Issue: Balance transfer

Complaint: i am being charged a very high interest and have got a 0 % interest on balance transfer and they will not allow me to make the payment with a credit card. so i was going to have the card company send them a check but in my account info i have no account number have never received a card and they refuse to tell me over the phone my account number. i do not think it is appropriate for them to keep all my info from me since i am the one being charged with high interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Experian credit reporting agency sent an unfavorable report on me to XXXX and when I call or go online to get a copy of the report they tell me they do n't have enough information to send me a copy yet they had enough information to send it to XXXX. same information, same person

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: On Wednesday XXXX XXXX, XXXX I initiated a wire transfer ( transaction # XXXX ) from my Coinbase account to withdraw funds to my personal banking account. The Company Coinbase is claiming " degraded service '' with a delayed transaction time of 3 business days. It has been 5 business days and they do not respond to emails. The total transaction amount was XXXX including a {$25.00} wire transfer fee. I also attempted to direct message them via XXXX but they do not reply. I currently have a case open with them XXXX. The initial email response I received from them last Saturday was a computer generated response that did not pertain at all to my situation. When I replied I got another generated response stating they might not respond for several days. I am not the only consumer with this issue and have spoken with other via XXXX who have been waiting longer. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am attempting to sign up for the Equifax Data Breach and free credit protection. The web site is always down and the phone number they provide is always busy so you can not get through to them. I tried to enroll and then the site went down so there is no way to confirm whether I am actually enrolled in the system. This is a disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now XXXX bothered, and XXXX. I am currently working with an XXXX to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

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 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an offer from Chase for the  XXXX  Premier Visa ( R ) Card. The offer was " Earn a {$200.00} statement credit after you spend {$500.00} on purchases in the first 3 months from account opening. '' I applied and was accepted on   XXXX   XXXX   XXXX  .
I charged my   XXXX   XXXX   XXXX   Tickets for {$990.00} on   XXXX   XXXX   XXXX  .
I checked my statement on   XXXX   XXXX   XXXX   and the statement credit had not been applied.
I called Chase on   XXXX   XXXX   XXXX  . They informed me that I was being sent a   XXXX   Gift Card instead. I told them that I do not need a  XXXX  Gift Card and asked for my statement credit instead. They told me that it needed to go through Marketing and that I would not be able to speak with Marketing directly.
I called on   XXXX   XXXX   XXXX   to follow up. I was told that there was no further information and that my 'request ' had been submitted.
I called on   XXXX   XXXX   XXXX   to further follow up and was told that the 'request ' was submitted but no further information was available.
I called on   XXXX   XXXX   XXXX   and was told that my 'request ' was denied and that the  XXXX  Gift Card was canceled.
I now have nothing but a {$49.00} fee from Chase. This is a classic 'bait and switch '.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I do not have an account with XXXX XXXX I never opened an account with them and really unsure why they are reporting on my credit a Open account.

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 02-11-2017 about Mortgage (Home equity loan or line of credit) with TCF NATIONAL BANK (MI).
Issue: Application, originator, mortgage broker

Complaint: I was denied a re-finance mortgage of real estate by TCF Bank. The approval process took almost a year, with multiple delays created by the bank. I spent nearly {$600.00} in appraisal fees, and nearly one year of time attempting to secure this loan. I took another job during the inordinate amount of time that the Bank took and that became the reason for the denial of my loan. They delayed the loan by asking for the same documents repeatedly. They used other time delay tactics like going " dark '' and not communicating the status of the loan. The bank would ask for repairs for be done to the property that did not need to be done for non-existent issues. The bank also requested that a re-inspection be done after the repairs for the non-existent issues were done. The bank then asked for a certification from a licensed " roofing-professional ' to be provided. This professional license does not exist in the state the property is in, so the request was nonsensical and impossible to obtain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have submitted numerous letters to XXXX XXXX, Experian and XXXX  over the course of 3 months with no response/no change.They are reporting inaccurate information on my credit file. Chapter XXXX which is still reporting over 10 years ( ref # XXXX credit file ) and Chapter XXXX  which is still reporting ( ref # XXXX ) dismissed without prejudice on XX/XX/2018. Under the FCRA and federal trade commission law/statue these items should have been removed ( inaccurate ). XXXX XXXX ( ref amount {$1000.00} ) fraudulent account. I have submitted documentation from federal courts and letter from the company stating this account does not belong to the individual with no response or change from the all 3 credit bureaus. The public records on my credit fille/report should have been removed after my letters and documentation. I have exhausted all resources that this time and am looking for help to correct this information/situation. I would greatly appreciated your help regarding this matter.

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 10-07-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Discovered a collection account # XXXX XXXX XXXX XXXX on my credit report. Mailed a certified validation letter to Resurgent Capital Services/ LVNV funding dated XXXX XXXX, 2015 and signed for on XXXX XXXX. Received a letter dated XXXX XXXX that an investigation was initiated on my behalf. I have heard nothing else from them. The validation of this account was not completed within the 30 day period allowed by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Checking or savings account (Checking account) with BB&T CORPORATION (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XX/XX/XXXX disaster ... Deposit not avail. Systems physically not available and once again BBT dropping the ball! I've filed a previous complaint and BBT had the nerve to give me an unfavorable review.. Lol! Really so I guess my concerns was petty until today when BBT entire system crashed and the XXXX and XXXX gave BBT the negative business in regarda to fees, deposit processing, and the attitude of branch staff at various locations.. The same concerns I voiced. I understand stuff happens yet as a consumer BBT has a bunch of unbalanced terms and conditions that only favor corporate profits.. Now you ask your members to be patient.. I scoff at that when my balance XXXX make XXXX deposit and BBT return fee me XXXX on a XXXX transaction.. Balance been XXXX since XX/XX/XXXX add XXXX equal XXXX all day long.. I want my XXXX back.

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 01/30/2017 about Credit card () with DISCOVER BANK (KY).
Issue: Transaction issue

Complaint: I got my XXXX credit card statement from Discover Card. There was a charge that I did not recognize on it. I called and reported it. They researched it and sent me a copy of the creditt card receipt. It had someone else 's name on it. Yet I am being held responsible for the charge. They advertise that you will not be responsible for charges that are not yours. Yet I am.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My county tax office had not received the data to change the tax rate of my residence. I rectified this issue and sent the refund check to Wells Fargo to put in the escrow account. I went down there with the receipt of this check and explained that my escrow account needed to be adjusted for this tax change. They assured me that in the mass re-analysis on XXXX XXXX that this would be reflected. While the re-analysis has been done, and my mortgage decreased by XXXX dollars, it did not reflect that change in expected real estate taxes. This means that for 1.5 months I paid XXXX dollars more per month on my mortgage, and with this change I still pay XXXX dollars more per month on my mortgage ( the only change reflected was the refund check going into the escrow account ). I did everything within my power to give them all relevant information regarding the updated tax rate, and it is still not being reflected. This is undue hardship to expect me to pay more mortgage when I have evidence and presented it to a wells fargo office which indicates that their real estate tax expectation is incorrect. Furthermore, Wells Fargo has now twice changed my mortgage without notifying me in any way of my account needing attention or my payment being changed. They should give consumers as much warning as possible that a change is going into affect and give them options as to how to mitigate this ( i.e. one time payment, or mortgage payments increased ). It also causes un-due hardship for the lender to postpone a re-analysis of all mortgage accounts until XX/XX/XXXX. They received the updated real estate taxes in XX/XX/XXXX. If they are n't going to alert the consumer to the potential need for a one time payment, then there is no reason to wait 4 months into the new year, with the account being behind, to re analyze the payment. Now the payment increases even more because it has to make up for the negative balance in addition to the increased expectation of the escrow account. Wells Fargo should take steps to ensure that the consumer is aware that their mortgage will change, and also to ensure that they make changes at the most appropriate times in order to affect consumers the least. How Wells Fargo handled this situation could definitely cause a less sophisticated consumer to default on their loan payments, and even when I brought all relevant documentation, they have still failed to rectify the situation.

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 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Collection Consultants of California (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Hello, I am emailing in regards to XXXX bills from XXXX XXXX XXXX still showing up on my credit file. I am aware that Collection Consultants in XXXX, California ( XXXX. XXXX XXXX, zip XXXX ) still has me showing bad debt for {$75.00} and for {$10000.00} to XXXX XXXX XXXX XXXX XXXX XXXX Bills ). 

XXXX XXXX, my insurance plan was never billed for the XX/XX/XXXX {$10000.00} amount and is still awaiting on the bill from XXXX XXXX of XXXX. 

The {$75.00} debt was sent to collections without me ever have received a bill. How am I supposed to know that the {$75.00} debt to XXXX XXXX of XXXX is mine? No bill was ever received but it was sent to collections without my knowledge. 

I do know that starting XX/XX/XXXX there have been many changes to all three major reporting agency companies ( XXXX, XXXX and XXXX ). I know that my social, my name, address and either my D.O.B or social should be listed to identify me as the person who the company is trying to collect a debt from. I also know that this past XX/XX/XXXX, all XXXX agencies are to remove all medical debt accounts that were sent without properly billing my or any XXXX persons medical insurance. I demand proof from XXXX XXXX XXXX of XXXX that they have billed XXXX XXXX as I have sent in my bills on my own and they have been awaiting a response from XXXX XXXX XXXX XXXX since the beginning of the year to send in a payment. They requested their TAX ID to make a payment on the XX/XX/XXXX bill for {$10000.00}. 

I work in the XXXX field and I understand that insurance companies MUST be billed and that it can take from XXXX days to up to a year for payment. In this case, XXXX XXXX XXXX of XXXX just sent my account to collections for {$10000.00} and tarnished my hard work in keeping my credit file clean. 

Please let me know what can and will be done. A copy of this has been sent to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: i disputed the charges and still no actions yet

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 03/15/2016 about Debt collection (I do not know) with CL HOLDINGS LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from Jefferson Capital Systems , LLC claiming that I owe a balance for a credit card I have never had. I sent a letter demanding that this is taken off my credit report. No investigation or information has been sent to me in response to my request that I sent via certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation