milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: When attending XXXX I did not know the high interest rates from my private loans. The payments are too high and hard to afford. Current interest rates are 10.25 %. I am submitting this complaint from attending XXXX from XXXX. When attending XXXX we were not told about the interest rates and pressured into the loans. Below is the amount owed to First Associates Loan Servicing, XXXX {$6200.00} $ XXXX is the contact info for First AssociatesPhone : XXXX : XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Other type of mortgage) with Trinity Financial Services, LLC (WA).
Issue: Trouble during payment process

Complaint: I have been working on a short sale for almost 2 years. The first lien holder is  XXXX   XXXX  and they have given several approvals but  Trinity is the 2nd li en holder and they would never cooperate. They wanted it to go to foreclosure. After several attempts to get them to work with us, I tried to reach management and they would never reply to any of my messages or requests. I received a letter fro m Trinity ( attached ) d ated  XXXX   XXXX     2017  stating that my loan was being transferred to  XXXX  on  XXXX   XXXX ,  2017 . As of Today  XXXX   XXXX   2017 ,  XXXX  still has no documents transferred and I have made several attempts to get trinity to look into this. I now have a foreclosure date with the first lien holder and an approval letter stating I can close at the end of  XXXX  if I can get 2nd lien holders approval on the short sale. I can not work on the short sale as it still has not been transferred to  XXXX . I am afraid that  Trinity  is going to blow my chance of getting my short sale through.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I have disputed the following item below with the credit bureaus and creditor and have not received proper verification or validation to show this account belongs to me and that they are reporting accurately within guidelines of the FCRA, XXXX and FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: I have disputed XXXX XXXX a number of times with XXXX XXXX Experian. None of them have done a full investigation. I have requested a FULL FULL FULL investigation. I demand that a FULL investigation be done as to every aspect of this account. All original signed documents a FULL investigation I demand that the results be made available to me within Five days. This needs to be expedited, all XXXX CRA are in violation of the law. Please forward this to FTR and all governing agencies. I have made this compliant to the CFPB previously. I plan on taking legal action my civil rights are being violated in addition to at this pointe being a willful act to cause me harm.

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 09/16/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: I visited my bank on XX/XX/XXXX16 for the purpose of withdrawing {$1300.00} from my savings account. After the teller counted the cash, I requested an envelope. He gave me the change from this transaction, but not the envelope with the cash. I was not aware of this until I left the bank. I returned to the bank within 5 minutes, but the teller claimed he gave me the cash. Bank employees checked my purse as well as my car.This envelope with cash could n't just disappear into thin air. The bank in question does have a Resolution team, but since this is 'in house ' I feel they could be biased. Also, an entity within the bank has viewed the video from this transaction and can only tell me the video is inconclusive. I do n't understand this. If they can not show me that the teller handed me the cash, I would think the bank findings would be in my favor. I have filed a police report as I feel a theft occurred and the bank is not allowing the police department to view the video as of the date of this writing. 
The bank is not being transparent or forthcoming with information.I believe you to be the only agency that can assist me with resolving this issue. I also want to note that this bank has no video cameras outside their front door, so no determination can be made as to what happened when I exited the bank. I think, overall, the bank 's lack of security regarding cameras is appalling.The bank in question is Wells Fargo, located XXXX XXXX XXXX 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 03-07-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Freedom Mortgage. Since XXXX 2015, even after I send my payment and they cash it, they send me threatening and abusive letters saying my payment is overdue and they will foreclose. I send copies of all paperwork and they say they will check it out, but nothing improves and the same behavior continues. I USPS track all my payments and send packets of copies of cancelled checks and letters from Freedom.

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 09/19/2016 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I submitted an application for loan forgiveness to Granite State Management & Resources, who holds my loan, and although I met all the requirements, they denied my request stating that I had another loan in default but I do not. XXXX can attest to the fact that all my loans are in excellent standing and that I am not in default of any loan. I owe approximately {$600.00} for the XXXX XXXX XXXX loan that Granite State Management and Resources holds, and have made payments for over 10 years without fail. I have also worked at a XXXX and am a XXXX ( 13 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2017 about Checking or savings account (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had opened an account in Wells Fargo Bank back in 2014 and they had automatically closed my account without my authorization and are now wanting me to pay an outstanding balance of {$160.00} in which I personally think that its not fair.

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 07/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : Account number : XXXX 120 days past due as of XXXX 2010 90 days past due as of XXXX 2010 60 days past due as of XXXX 2010 30 days past due as of XXXX 2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (AR).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo Mortgage sold my home at a foreclosure sale after denying my attempt to reinstate the loan with the exact same information that was used 30 days previously. The ongoing attempt to modify the loan was denied because a utility account listed the address of service but the bill was mailed to a P.O. Box. the P. O. Box in question is the same address listed on my account information with Wells Fargo. It has been my primary address throughout the term of the loan. I have moved from the house. It was vandalized and destroyed by fire. The house was basically a total loss. I will receive no compensation. I have received information about a Class Action suite involving Wells Fargo. This is but one of the many cases that Wells Fargo has been involved in over the years which is verification of their unethical practices.

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 08/31/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Hi all, I 'm in a limbo because I 've sent a SEPA transfer on XXXX XXXX XXXX 2017 to Coinbase account, and after verification process Coinbase said It did n't never receive it ( I have an open ticket with coinbase ). 

I have contacted my bank and it said the transfer was OK, but the amount has not sent yet to my EUR wallet. My bank is sure about the payment : was correctly done with all information required and to the right destination. 


I 've sent payment trace of the transfer to Coinbase and all was required, but my payment is disappeared!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Mortgage (FHA mortgage) with STANDARD MORTGAGE CORPORATION (LA).
Issue: Struggling to pay mortgage

Complaint: It began when my mortgage company paid my taxes out of my checking account instead of escrow (   XXXX   ) ( {$1300.00}. ). My account was on autopay so I thought that this amount was my monthly payment for   XXXX   XXXX    . When I received a late payment notice, I then had to come up with   XXXX   XXXX    payment and late fees. Pd.  XXXX . Offsetting  XXXX  and  XXXX  payments. I remained in contact with  XXXX   XXXX  @  Standard  Mortgage to make payment arrangements. On  XXXX   XXXX , I left a recorded voicemail stating that I wanted to make   XXXX   XXXX   payment that day, but would call back on Friday to make partial payment arrangements for  XXXX  until I could catch up. Ms.  XXXX  put both payments through  XXXX  and   XXXX   totaling {$3200.00} within 72 hours. Being  XXXX   XXXX  here in  XXXX   XXXX , banks are closed and I did not realize she had done this without my authorization. I was {$400.00} negative in the bank before the weekend ended. When I realized it I called her, only to be yelled at. She stated that she took my voicemail as authorization of full payments. I told her that to listen to the voicemail again and she refused. She will take no responsibility for this and will not help me resolve  it.This h as caused me to sink into much deeper financial distress and accrue well over {$2000.00} in NSF fees alone, at my bank. This is unrecoverable!   Now, I wrecked my car and have no second income anymore. But, because my credit is ruined, I can not get another car. Therefore, no second income. On my   XXXX   XXXX   XXXX    salary only, I can not afford to keep this house. My water, phone, cable, etc. have all been turned off. I have to use the neighbor 's hose to fill my toilets in order to flush them once a day. Standard Mortgage is going to be foreclosing on me soon.   Ms.  XXXX  's decision to put the second full payment through,  WITHOUT AUTHORIZATION,  had destroyed me and my family. Is there any way that this can be resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Equifax had a massive data breach affecting 140M+ Americans on XXXX XXXX. Not only did they take over a month to alert the public, but executives were in the news for having sold their stock the day before the announcement. They demonstrated a reckless disregard for information security and their customers* ( *Nobody has any choice about what data they gather or store, as it is basically impossible to function in modern society without credit ). 

It has also been reported that there 1 free year of credit protection they are offering to Americans who may have been affected includes a clause that waives your right to join a class action lawsuit. Americans should not have to pay to freeze their credit, especially given the potentially catastrophic impact this breach could have on an individual 's finances. Also, credit reporting firms ( XXXX and XXXX included ) should not be exploiting this breach to market their credit protection services. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Wilber and Associates, P.C. (FL).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I was contacted by this law firm today XXXX17 in regards to an auto accident i was in they were attempting to collect a debt due for the damages to the other person, when i returned the call to the lady XXXX she asked how i was going to pay i advised XXXX that i could not pay that amount and i would need an extensive payment plan, XXXX then stated that i need to pay her 50 % which would be XXXX then 5 % which is {$1000.00}, i advised her that i can not afford to pay that upfront but i would be happy to pay her what i can afford until the balance is settled in full, she refused to accept anything lower and then attempted to bully me over the phone and threaten me to have my license revoked into scaring me into paying money i do n't have, i then called back and requested a manager and another lady answered the phone who also became abrasive and a bully and refused to let me speak to a manager I will not be bullied by a debt collector or threatened into paying a debt.

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 09-06-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Trouble during payment process

Complaint: Ocwen Loan Servicing, LLC refuses to allow me to represent my mother 's estate. I have letters of administration, but it will not give me any information about my XXXX  mother 's mortgage, or how to pay it. I have provided them with all of the documents they have requested, but they still refuse to deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Mortgage (FHA mortgage) with INTERCONTINENTAL CAPITAL GROUP (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I started working with XXXX XXXX in late XX/XX/XXXXwhile I was XXXX. At the time he was working at XXXX XXXX and told me to go find a house I liked quick so I could bring my XXXX to a new home ( XXXXXX/XX/XXXX ) and did n't give me any numbers for the loan. Just said " I 'll make it work ''. Well after finding a home, which was {$160000.00} I was told that the taxes were too high so get my {$1000.00} earnest money back. So I started looking again and I was told he could get me a XXXX  county DPA for {$10000.00} so just do n't go over XXXX with taxes at 1 %. So we looked again and I found a house in XXXX county that I loved. I asked him on several occasions to give me my limit and he never would. Always disappearing and would n't get back to me with answers to my question because I did n't want to put my money down AGAIN to have to fight to get it back. He assured me it would close so I paid {$1000.00} earnest money, {$300.00} inspection and {$490.00} appraisal on a {$170000.00} home!! I told him from my calculation at XXXX salary I was n't comfortable with this price. He said ok refinance your car and I did. We were set to close on XX/XX/XXXX. The weekend prior to close, he called me and said to meet him asap at XXXX because their was a problem. When I got there I was told, he had left XXXX XXXX in XXXX!!! And forgot to tell me so his new job at XXXX XXXX did n't have the XXXX XXXX program so he 'd given my loan to XXXX XXXX at XXXX XXXX! I said why did you move my personal info without telling me! After more lies we parted ways and XXXX started calling for more info so basically the loan had to go back through another 30 day process. XXXX told me my loan was approved but underwriter wants the promissory letter from my student loans. I sent it. The said ok you 're good. Then came back the next day and said you need a cosigner! I said why when I 'm approved. She went on lying until 3 days before the close ( XX/XX/XXXX ) and said she 's sorry but I was " dead in the water from the beginning '' the loan would never close! I cried and begged her to try to fix it because I did everything right and now I 'm stuck with a new XXXX, no where to live and I paid my {$1800.00}. She was no help and just said its not going to work, find something XXXX and discounted the call. I 'm devastated!

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Billing disputes

Complaint: On or about XXXX XXXX, 2015 ordered a XXXX computer from XXXX, by telephone. XXXX charged on my Chase Visa card {$540.00} for the purchase of the XXXX computer which was to be shipped. Never took possession of the item. Disputed the charge same day I received my XX/XX/XXXX charge statement. On XXXX XXXX, 2015 XXXX sent me an email that they had credited my XXXX account for {$540.00}. I shared the email with Chase in reference to the dispute. Chase advised that it would take two billing cycles to make my dispute credit permanent ( advised this by no fewer than XXXX CSR 's, since they did n't show the credit from XXXX. Two billing cycles have past and Chase now says they have charged XXXX back -date undetermined, but the credit to my account remains as a temporary dispute credit for an indeterminate amount of time. Spoke with a XXXX XXXX, supervisor in disputes, " Dispute Department in XXXX XXXX, TX '', on Monday XXXX XXXX, 2015. XXXX XXXX told me that they must give XXXX ample time to respond, despite XXXX 's email to me and failure to respond to Chase since XXXX XXXX, 2015 and today being XXXX XXXX, 2015. XXXX XXXX refused to allow me to escalate my call, nor to give me a time when this credit will become permanent. He apologized, but said that this would remain open until they deem that XXXX through their merchant banking bank has had ample time to respond, but they apparently have no decision date or will not share it with me. There seems to be no end to the permanent resolution of this matter, and I have been blocked from escalating this matter at Chase. I classify this as lost money until the credit becomes permanent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (AZ).
Issue: Application, originator, mortgage broker

Complaint: Freedom Mortgage, the company that currently holds the note on my primary residence, sent me a letter in XXXX 2016 indicating that I could refinance my primary residence for free. I took them up on the offer, and began the process. Now, more than 3 months later, they have still not finished the refinance, they continue to ask for meaningless information, and have increased the amount owed at closing to over {$2000.00}. Freedom has not done their due diligence to complete my refinance on time. In addition, they have displayed a gross lack of integrity by getting me to begin the process by offering a " free '' refinance, and then increasing the amount of cash required at closing to over two-thousand dollars. That is called a bait-and-switch scheme. They have also not adjusted the term of the new loan over these past three months, even though I have been paying my mortgage. That means they are illegally increasing the term of the loan. Their complete lack of integrity, fiscal responsibility, customer service, and due diligence thus far has been more than disappointing ; it is criminal.

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