milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I have submitted financials and request for mortgage modification to Wells Fargo several times in the last year. Wells Fargo has refused to lower my house payment and interest rate. I became late on my payments when my mother became XXXX, I 'm my mother only care giver, I 've had additional medical expenses with the doctors visits and her medicines. I do want to keep my home. Please assist me with getting my mortgage modified.

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 03/31/2017 about Student loan (Federal student loan servicing) with MOHELA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: MOHELA continues to find ways to extend loans by using recalculations. Example I pay off a loan, incidentally all my loans get a little extra payment from that months auto debit. They then recalculate my payment amount based on this current paid ahead account status. I end up with a lower overall payment but they ensure they get their 120th payment. Level repayment should mean level repayment. They have the audacity to say that my loans on a ten year plan may require a large payment to satisfy the terms of my loan at the end, I pay nearly 8k extra every year. -typed on iPhone

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Customer service / Customer relations

Complaint: Hi, I 'm submitting a complaint against Care Credit/Synchrony Bank due to being misinformed about billing payment options for my account. I talked with a chat representative whose name is XXXX XXXX on XXXX/XXXX/16 at XXXX Eastern time, Reference # XXXX. The inquiry was, if I can pay my bill with a credit card? His response was credit card payments are n't excepted but that I can ask my credit card company if they have a bill pay option ( which they do n't ) or I can use XXXX XXXX. The problem is the XXXX XXXX information he gave me is incorrect and/or is unrecognizable by XXXX. The XXXX representative ( XXXX ) whom I talked to by phone on XXXX/XXXX/16 at XXXX Eastern time, told me that there is n't a code city name and POS name that was given to me ( POS name : Synchrony Bank XXXX XXXX XXXX name : XXXX ) in their system. 
Synchrony Bank ( formerly GE Capital Retail Bank ) does n't give their customers any other options to pay their account except by the consumer 's bank account. This is an inconvenience to those who want more than one option to pay their bill, or may not have the money in their account on that date. Most businesses give you more than one option to pay your account bill. It seems like they want you to be late paying your bill so they can tack on the late fees and interest charges, which is ridiculously high, if you do n't pay on time and with only one option to pay. I 've changed my billing date before and I do n't feel like I have to keep doing that to make a timely payment, when other payment options should be available in order to make a timely payment. I would like to know why I was given the wrong information and why there is n't other options to make a payment on the account and/or payoff the account, besides using your personal banking account. I 'm already paying a late fee of {$27.00} from last month which was n't late, but was charged anyway, because the money was there in the account, in addition to the {$100.00} a month bill payment. I hope this issue can be resolved before my next due date which is XXXX/XXXX/16. I pretty sure I 'm not the only consumer whose had complaints about this company. 
Thanks.

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 01/20/2017 about Credit reporting () with Resurgent Capital Services L.P. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XX/XX/XXXX I learn of a collection being reported by PINNACLE LLC C/O RESURG. Not having any business with them I call to learn what it 's about and after multiple calls the only thing I learn account was sold to XXXX. So i call them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced PINNACLE to reveal a supposed original debt with XXXX XXXX. Now after this investigation information about the account is being manipulated such as open dates etc., to extend reporting. Also this closed account is now reported in a manner to reflect as a new delinquency each month to cause further damage to my credit. XX/XX/XXXX I did establish service and purchased multiple phones at retail price since from day one I did not receive adequate phone service. First i was told a phone with external antenna was needed and then even more powerful phones even though I was within a good coverage area. Later after diagnostics i was told that there were issues with the cell towers and service tickets were issued all this continued for years. Finally i was told repeatedly by customer service reps, " XXXX is not for everybody ''. So being fed up i cancelled service having paid all monthly charges and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: The father of my son is using our sons social as his own. Social security office had my sons incorrect information. My sons name is XXXX XXXX XXXX XXXX My sons fathers name is XXXX XXXX XXXX. The social security office had my sons name in its system reading XXXX XXXX XXXX, just like his father, without the XXXX, XXXX. So therefore my sons father has been using his identity to open bank accounts and is doing business under our sons social to avoid paying child support owed. He hasnt file taxes in 3 yrs as well.

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 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a bunch of medical collections on all XXXX bureau 's I have asked for proof of debt from collection agencys they responded they could not supply any. I have disputed these item about 10 times now for the last several years. sent proof of certified letters to collection companies to credit bureaus and they still do not take them off they say they are verified everytime I dispute them. and everytime one collection company gets a certified letter from me a new collection company puts the same debt on my credit report as new. THis has been going on for 5 years now and it has cost me a higher interest rate on my mortgage and car insurance. I have paid all my debts that I have obligated myself for and yet I can not get a credit score over XXXX because of this illegal actions.

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 06-10-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Made Billpay payment on time XXXX/XXXX/16. Online at Ditech my account shows this payment was received on XXXX/XXXX/16. Harassing phone calls started on XXXX/XXXX/16, though this payment had been paid. Ditech claims it was returned and they could not tell me why. My bank says it was not, and further that an electronic payment COULD NOT be returned. My bank faxed this to Ditech. After a week Ditech still could not find the fax though i have proof it was received. Faxed it again. Ditech continued harrassing phone calls every other day, very long calls where they spoke to me as if it was the first time we 'd talked, even though I was contesting this amount and had proven it was paid, and was waiting for them to find the fax. On XXXX Ditech acknowledged that they found the money, the matter was resolved, and they would credit back to me the {$190.00} (!! ) in late fees they had charged. They still have not done this, and the harrassing calls continue. I called today and could not reach anything but a voicemail and have had no return call.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other service issues

Complaint: I required the services of a software company in XXXX that creates mobile apps. I required the company to create a mobile app for XXXX and XXXX. I made XXXX Paypal payments in XX/XX/2016 and XX/XX/2016 for a total of {$3500.00}. The software company in XXXX has not been able to deliver my app. I requested a refund from Paypal and they stated that the XXXX payments did not qualify for a refund. Paypal stated that they were willing to refund the XXXX payment if I returned the merchandise that I purchased from the seller. I never purchased merchandise. I purchased a service.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (MS).
Issue: Deposits and withdrawals

Complaint: I went to Regions Bank on XXXX XXXX 2016, to make a deposit from the sale of my XXXX and my tax refund check. I prepared my deposit slip at home and drove to the bank drive up window. They were extremely busy and the teller, XXXX, was working the drive up window plus XXXX additions drive up lanes that were serviced by tubes. The teller took my money and counted it, I also counted it with her through the window. After a little while she go up and took my money away from the window and out of my view. She later returned and said {$1000.00} was missing. I informed her it was all there, I counted it at home plus I had counted it while watching her count in through the driveup window. The manager, XXXX came over and said she would count XXXX money drawer for the missing money. I watched as the money drawer was counted and afterwards told XXXX the money disappeared when teller XXXX left the drive up window area and my field of view. Manager XXXX gave me a business card with a Region 's investigators name XXXX on it and said he would call me on Monday XXXX XXXX. XXXX gave me my deposit ticket showing my {$6700.00} deposit back to me with the bank stamping on the back side of it. 
It is now one month later and no one from Regions Bank has called and talked to me. I have called Regions corporate headquarters multiple times trying to get a answer to my deposit incident on XXXX XXXX without success. I did receive a letter last week from XXXX to call him to resolve the problem. I have called him twice but he was not in and I have left messages but he has not called me back. 
I have been a Regions customer for approximately 40 years and have never had this problem from them. I am seeking your assistance for my {$1000.00} that Regions misplaced/lost.

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 03/25/2016 about Debt collection (Medical) with JMD,LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: company name ; high desert creditors. located in XXXX calif. 
they continue to call me after being told not to call my job. 1st time was end of XXXX 2016, today they called again at my job. i told him not to call my job any more. this is the 2nd time. he got angry & started talking about how he will call me on another phone. he didnt hang up immediately. he said that i owe {$900.00} & demanded that i pay it. i again told him that i will get in trouble if he wont stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I transferred approximately XXXX LTC from XXXX ( Coinbase 's exchange ) after a somewhat glitchy " submit '' button was presented on screen, noting that I 've made too many transactions within the hour, despite only making one other withdrawal. My account is verified as well, so this was odd. Eventually after trying 3 or 4 times, the transfer said " submitted ''. This was XX/XX/XXXX. Around 13 days later ( XX/XX/XXXX ), I have still yet to receive the XXXX LTC from my XXXX account to my Binance account. On the Coinbase site, if you send any crypto from XXXX to another place, say a wallet or another exchange, there are two transaction notifications. One says " Transferred X '' and the other says " Sent X '', where X is the cryptocurrency. On this transaction, unlike the others, it just has " Transferred X ''. The certificate on the site was valid, and I always read aloud and double check the addresses to make sure they are correct. All this causes me to believe that Coinbase still contains my LTC ( worth ~ {$50.00} ). I 've sent support tickets and called, but no response has been made and I would like my money back. I am Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi, My name is XXXX XXXX XXXX and recently I have been receiving collections notices in the form of calls and paper notices. They are coming from Credit Protectors Association and said the creditor was XXXX in the XXXX. They are looking for an XXXX XXXX XXXX, not XXXX XXXX XXXX, however they have my phone number as well as my parents address. I lived in XXXX XXXX, XXXX from XX/XX/XXXX- XX/XX/XXXX however I did not use internet or phone while down there. I have never heard of this company before and I am worried that this is an identity theft issue. 

Thank you so much for your time, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-11-2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Credit decision / Underwriting

Complaint: We are under contract to purchase a Condo. On XXXX XXXX, XXXX we submitted a mortgage application to Citizens Bank N.A., XXXX XXXX, XXXX XXXX XXXX, XXXX, RI XXXX for {$190000.00}. We are putting down 20 %. To date we still have not closed. They have put all kinds of conditions on this mortgage. Our credit ratings are all in the XXXX 's and have over {$150000.00} savings in the bank. We own a rental condo in XXXX which is fully paid for and the same tenant has lived there over 10 years. Our debt is under {$15000.00} except for the home we current are living in which will be sold when we move. We have approx.. {$150000.00} equity in these XXXX current properties. We have an annual income of {$90000.00} per our XXXX federal income taxes. I work for the Town that we live in and have been there over 16 years. I have no current plans to retire anytime soon. I am in the XXXX pension and XXXX deferred Compensation programs and have been for the 16 years I have been employed by the XXXX. My husband is retired. This bank has dragged their feet and made many demands which we have meant every one. Now they have approved us for an {$80000.00}. mortgage with no explanation why. I have pressured them for an explanation and now they are saying it was because we had a loss on the XXXX condo. The loss on the condo last year was {$4300.00}. of which {$1500.00} was depreciation meaning they are denying us the full amount of the loan for a loss of {$2800.00}. This property has now been paid off per their demand so there will not be a loss on this property this year. I feel that we have been age discriminated against. They requested copies of our XXXX driver 's license so they know that I am XXXX and my husband is XXXX. We want to move into a condo because our current home is on over an acre of land and has a long driveway. I no longer want to spend my free time mowing which takes almost 3 hours a week and we have the driveway plowed but still have to shovel the sidewalk and the back deck so our small XXXX dogs can get off of the deck. If we do n't close on this property we will lose our {$10000.00} deposit and there are many other fees which we will be responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have inquiries that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX sent me to collections for my final bill that i never received. i paid it as soon as i found out and they will not remove from my credit. it is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo denied my loan modification stating they would have to forgive {$15000.00} in order to accomplish modification. However, they can not explain why they are adding that amount to my loan. I owe approx. $ XXXX on the loan but they claim I actually owe $ XXXX which is incorrect. My single point of contact at Wells can not tell me where that $ XXXX amount is coming from, and it does not appear on my mortgage statements and never has. When I visited a Wells Fargo branch over the weekend on XXXX/XXXX/16, the representatives there could not explain why Wells claims I owe $ XXXX when I actually only owe $ XXXX and they were looking at my mortgage account as we discussed. I told them that the $ XXXX amount was stated in the npv results in loan modification denial as my capitalized unpaid principal balance amount but they could find nothing in my account to support that number. They also did not know who I could ask at Wells to find out more information because I told them I already asked my single point of contact and she could not answer where that $ XXXX was coming from. In fact, I do n't owe $ XXXX. I believe Wells is mistaken or just purposely seeking to add $ XXXX to my loan balance to make up a reason to deny for a HAMP modification. This is especially time sensitive because HAMP is ending at the XX/XX/2016. I am asking you to demand that Wells provide all proof that the total debt on my loan is {$600000.00}, I have a good faith belief there is no proof and it 's merely a tactic to deny loan modification.

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 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In the month of XX/XX/XXXX I sought out to settle and invalid State Tax Lien with the State of Georgia orginallly filed in 2011. In order to have it removed and " withdrawn '' I needed to settle an amount with them. After this was complete I filed a request with TransUnion to have lien withdrawn ( removed ) from my credit report as it was filed in error to begin with ... However, tranunion did not remove the lien. They actually updated it to only reflect the lien released which lowered my credit score but 26 points! I have tried to call them and speak with them but it was unsuccessful. It is impacting my closing on my home purchase. The State of Georgia is suppose to be sending me a letter but I wo n't get it in time. I need this state tax lien removed immediately. Please help. I will attached the cancellation document I originally received from the state and well as a screen shot of the current active lien listings for the state of Georgia to show that it has in fact be Removed and my name is not on the list. Please help get this fix for me asap. 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 non-monetary relief
Consumer complaint received 09/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: I had fraudulent activity occur on my Bank of America Checking Account between XXXX XXXX - XXXX XXXX. I called in and filed a claim upon seeing this activity on my account, as the charges could not have come from me being that occured XXXX when I was in XXXX for business with my company. 

The bank refunded me the money stolen while they performed their investigation, but they failed to cancel the temporary card that these transactions occured on and fraud happened AGAIN on my account from XXXX - XXXX. They apologized for failing to cancel the breached card and credit my account once again but, 2-3 weeks later removed the money from my account stating that I could have made those fraudulent charges. I 've supplied them with documents from XXXX XXXX and the XXXX XXXX XXXX proving my stay there. I 've also showed the bank evidence of someone monitoring my account for funds XXXX making balance inquiries XXXX in the states of XXXX and XXXX and taking those funds only once I was paid and my accounts had a positive balance. 

Even with this proof and cooperation from the Airlines and Hotel showing my flight to and stay XXXX, Bank of America has still been reluctant to give me back money that is rightfully mine although I clearly was not in the state to make those transactions and have proof. My account with Bank of America has been compromised prior to this happening and was even compromised 2 weeks ago, although no money was taken this time but it still shows security flaws with their products. 

The claim is being reevaluated again, but the bank has been such a hassle to work with and the notes they 've been making on the claim have been unclear even to other representatives who end up handling the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief