milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I notice a late charge so I call direct to ask why I had a late fee and they told me my escrow was short so they took it out of my payment that then shorted my payment. 
Then on XX/XX/XXXXI received a paper starting my escrow account was short XXXX I called to ask about it and I feel They could answer my questions about it also on my XXXX payment it showed I had a XXXX cent late bee charge I have not called about it due to me calling my accountant on it and she noted I need to report this to you guys.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (LA).
Issue: Fraud or scam

Complaint: I deposited {$450.00} into XXXX ( This is a coinbase company ) to invest in BTC and my money was withdrawn from my bank 2 days ago on XX/XX/18. XXXX was showing pending transaction. When I checked in today to see if my money arrived yet, I was surprised with an account closure notice. No reason given. and they already have the form filled out and checked off that there is XXXX balance and no pending transactions. When I called their customer service the lady told me there was no reason listed and she could only refer me to read the terms and conditions. She then said " I will be terminating this call '' and hung up on me. Wow!!! I thought Coinbase was supposed to be one of the most trusted and secure cryptocurrency companies? Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: CITI closed my new XXXX credit card without prior warning. The account had a recent credit line increase and was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.

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 03/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am currently in review for a loan modification and have a sale date scheduled on XXXX/XXXX/15. I had previously been approved for a loan modification but the paperwork was sent to the wrong address because my property has XXXX XXXX. Needless to say I never received the paperwork and now I have to start over. Now I am being told that because I have a foreclosure sale date on XXXX/XXXX/15 there is not enough time to complete the modification review. Please help get the sale postponed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX is reporting that a company by the name of Common Wealth Financial Date Reported : XX/XX/XXXXOriginal Creditor Name COMMONWEALTH FINANCIAL Balance Date XX/XX/XXXX Date Assigned XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Original Amount Owed {$430.00} Account Number XXXX XXXX Amount {$430.00} Creditor Classification Medical or Health Care Status Date XX/XX/XXXX Last Payment Date Status UNPAID Date of First Delinquency XX/XX/XXXX Comments Medical I do not owe the above company any money for medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: For the past three months I have been attempting to have an item that was incorrectly placed on my credit file removed. After several unsuccessful attempts with the three major credit bureaus I contacted the Consumer Financial Projection Bureau ( CFPB ) for assistance and received some assistance and relief. XXXX responded to the CFPB and claimed to have contacted all three major credit bureaus to have the error removed from my account. XXXX and XXXX promptly removed the error and updated my credit file. However, EQUIFAX is the only credit bureau refusing to remove the item from my credit file. According to EQUIFAX, they have not received information from XXXX to remove the item and will not reinvestigate the error or contact XXXX. I am providing proof from correspondence I received from XXXX as well as correspondence sent to CFPB requesting that the error of collection be removed from my credit file. Today I contacted XXXX and EQUIFAX to no avail. XXXX indicated that they have already contacted the three credit bureaus and EQUIFAX has stated that they can not remove the item without contact from XXXX ; however XXXX stated they did contact them and ca n't control the removal filed by EQUIFAX. 

I can not get into my online profile because EQUIFAX is not allowing me to even after I have answered all of the identity questions several different ways on several different occasions. I can not get the help I need via phone and when asked to help access my file online I am told they can not fix it. I am now locked out of my own profile.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (DE).
Issue: Trouble during payment process

Complaint: My wife has received several calls about a mortgage i have with Wells Fargo bank, she is not on the loan yet they continue to call her number. I finally got the bank to stop calling her with a lot of effort on my part. Then a few month later i received an automated call ( representative verified this with me because i asked specifically ) on my cell phone on a Sunday afternoon to speak to me about my mortgage. I asked why? I never gave any permission to get calls on my cell. I got an explanation that they did n't show me on there records that I ever signing the paperwork they mailed regarding no calls on my phones after the incident with my wife.Then i got a bunch of excuses and apologies but no one giving me an answer. Then i notified the representative and their supervisor that I did not what to receive anymore calls at all on my cell phone or work number ever again! I was told that i have to sign a piece of paper in order for that to happen. I inquired further about that and they insisted I have to sign a paper in order to stop calls to my cell phone and work phone. Then i received a letter from the bank asking me to sign paperwork to that effect or calls will continue. It is my understanding that the law states i only have to give a verbal request for no calls to my cell or work line? Why is the bank not doing what I ask? I feel like i am being bullied and the bank can do what ever they want because they are so big and seem to get away with any thing. I am concerned about my mortgage getting mis handled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Mortgage) with Quality Loan Service Corporation (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX/XXXX/2016 I received a Debt Validation Notice letter from Quality Loan Service Corporation ( " QLS '' ). 
On XXXX/XXXX/2016 QLS received my Request For Documents ( " RFD '' ) letter via Certified Mail. In my RFD I requested validation pursuant to the FDCPA. I also requested information and documents pursuant to Arizona 's Administrative Code, XXXX, FINANCIAL INSTITUTIONS, AND INSURANCE, Chapter XXXX XXXX, XXXX XXXX, and specifically XXXX Disclosure of Information to Debtor. 
As of XXXX/XXXX/2016 I have received no response from QLS. Since that time I have searched on the Arizona XXXX website and was unable to locate a current AZ Collection Agency license for QLS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an XXXX hard inquiry on my credit report dated XXXX XXXX. I do not recognize this inquiry nor have had my credit checked during that time frame. This has been recorded without my consent or knowledge. I am willing to provide any proof that this should not be present on my credit report. Thank you in advance for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (IL).
Issue: Problems caused by my funds being low

Complaint: I forgot that I had a {$20.00} insurance payment charge that was drafting to my account. Because the bank moved out of state, I had moved just about all my funds to another bank account. Citizens Bank took a {$20.00} insurance payment charge and ballooned the fee to {$230.00} within 6 weeks and they never sent me communication through email or text, and through direct mailing I did n't receive anything until it was over {$150.00} in charges. 

If I had been aware of the charges I would have easily taken care of them. Instead they decided to prey on a customer that was leaving them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/21/2018 about Vehicle loan or lease (Loan) with U.S. BANCORP (TX).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: USBank Loan # XXXX I paid the loan off on XX/XX/XXXX ... including additional monies where a credit is owed. 
Based on Texas DMV site, Lien Holder must release loan within 10 business days. 

I have reached out to USBank with no response from their end on type of title ( Electronic or Paper ) and the amount of they owe me. My bank statements and screenshot on USBank 's site shows the payoff. 

In the meantime I have reached out to Texas DMV on my title information and have described same scenario, and should have response early next week. 

I would like a response from USBank on why the delay on both matters. Money owed back to me and my title since they are no longer legally a lien holder on my vehicle. 

I am attaching the last screenshot I made before having my account closed out online. Shows the payments made onXX/XX/XXXX. The amount they are showing owed is same exact payoff amount their phone system gave me. I paid the extra {$70.00} in case their system was incorrect like the last complaint I made with same company. 

Respectfully, 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 10-02-2015 about Bank account or service (Checking account) with PNC Bank N.A. (PA).
Issue: Deposits and withdrawals

Complaint: On XXXX/XXXX/2015 my bank account balance with PNC Bank was XXXX. On XXXX/XXXX/2015 the bank charged a {$36.00} overdraft fee with no other posted transactions. 
XXXXXXXXThus, leaving me with XXXX dollars in the bank. On XXXX/XXXX/2015 I had XXXX deposits come in and a bill pay go out. I called the bank of PNC to report my account was in the positive when they charged an overdraft fee and after the fee, my account was still in the positive. 

I spoke to the bank employees and I was told they process bills before deposits, thus putting my account on XXXX in the negative forcing it to go into the negative so they can collect a fee. I told them all the transactions ( as you can see in the screen shot ) are pending as they are posting as of today, and my account was still in the positive and no reason to charge a fee. They refused to return the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called XXXX  on XX/XX/XXXX regarding several inquiries that were on my credit report even on that's listed twice. XXXX XXXX told me to contact the companies and ask them to do something about it and send a letter of deletion back to them. I called the numbers listed and I either got hung up on. They did know what I was talking about or I was just on hold with no results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IN).
Issue: Late fee

Complaint: I have excellent credit and pay my bills on time. However, an email-delivered American Express bill escaped my notice. I paid the past-due bill online in full, which included a late fee, upon receipt of a bill sent via USPS. No further charges were placed on this card. Today I discovered I was charged an additional {$38.00} late fee in XXXX and another {$38.00} late fee in XXXX. I feel that American Express is using extreme tactics in charging late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Payday loan, title loan, or personal loan (Payday loan) with Federal Cash Advance, LLC of Oklahoma (TX).
Issue: Problem with the payoff process at the end of the loan

Complaint: I paid off my account with cash in full at Cashmax on Wednesday X/XX/2017 I was referred by the branch manager and assistant manager that they could not release the lien on the title until after 10 days they have to email corporate office and corporate office in XXXX, Texas has to mail them the title and then I am able to pick up the title. I went back for an unsecured payday loan and they still have not released my lien on the title I need to know when I can get my title back that was paid off and why I am being told I am not able to release the lien on the vehicle if I am paying off in cash.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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 recently submitted a complaint about how Equifax stated they verified a Bankruptcy on my credit report. I am aware that under the Fair Credit Reporting Act of 1971, are to only report one hundred percent accurate information. I submitted my complaint through the CFPB and their response was not made through the CFPB which is also a violation of my right to due process. Equifax did this to hide the fact that they know that they are reporting inaccurate information. The response has been the same, verified through a third party XXXX. The information purchased by Equifax from XXXX has redactions that are required under XXXX XXXX laws. XXXX is not provided a full and complete social security number nor are they provided a full and complete date of birth when they purchase public record information from any Court. XXXX then sells that incomplete information to the major credit bureaus as verified and validated information. In doing so, XXXX and Equifax have violated the Fair Credit Reporting Act of 1971 by reporting and providing inaccurate and unverified information about consumers. I demand that XXXX and Equifax be investigated for fraudulent business practices as well as violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (DE).
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: My current minimum due was {$25.00} a month for my Jcpenny 's account. I submitted payments on time. Jcpennys changed the terms of my account without informing me in writing in XXXX XXXX. They then accessed late payments, which increased my monthly minimum payments. Despite my continuous payment of my account, I was still considered delinquent. I requested for my account to be removed from electronic statements. My account is still enrolled in that billing process. Electronic billing eliminates hard copies, which eliminated me receiving my updated terms. In addition to those issues the late fees caused my account to be reported delinquent on my credit report. I am expected to pay {$120.00} for a bank error on XXXX. My account was paid on time, but my terms were changed without proper written notice.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX XXXX, XXXX, my account went delinquent. However, I have been paying XXXX XXXX, XXXX XXXX XXXX dollars a month every XXXX of the month since XXXX XXXX. I would like for the information to the reported correctly. I would also like for my credit to show that I am making payments instead of being listed as a " bad debt write-off ''. I am set up with XXXX XXXX to have my payment automatically withdrawn and I have not missed a payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX aproved us for a modification and them filed a fha insurance claim then transferred the account to bayview we attended a conciliation conference on XXXX XXXX and was told by a XXXX XXXX XXXX representative that she contact bayview and they accepted the approved modification after that court hearing we arrived home and recieved in the mail the same day a statement from bayview asking for {$10000.00} to bring our account current or they will forclose

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Other debt) with ProCollect, Inc (MD).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XXXX XXXX I opened a complaint XXXX with regard to Pro Collections and the original creditor XXXX XXXX Apartments ( see complaint for detail ). That same day I received the companies response " We will request the proof of the debt and mail to the consumer. The consumer can contact our office at toll free XXXX my extension is XXXX XXXX XXXX for additional assistance in this matter Thank you for your time and patience in this matter '' I called XXXX XXXX on XXXX XXXX for additional assistance as per her response to CFPB. When I explained the situation she lashed out and told me she is a bill collector, and not a customer service rep. She then proceeded to berate me, and told me that I needed to have my proof to her by XXXX XXXX. I told her I did not understand what she needed, and what and where should I send it to. I was very confused because per her response to CFPB,, I thought she was going to get information from the creditor. She continued to speak in a threatening tone throughout our conversation. At that time I asked to speak to her supervisor. She told me his name was XXXX XXXX and she had no intention of transferring me to him. I asked her why she would respond to the CFPB with one response, and give me a completely different one. She then hung up. I know this call was recorded, and I can not believe that even a " bill collector '' would talk to someone the way she spoke to me. I see that there are numerous complaints on the CFPB board about Pro Collections. I feel that they are threatening, dishonest and abusive. I am filing this complaint about XXXX XXXX and Pro Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Payday loan () with Risecredit, LLC (SC).
Issue: Charged fees or interest I didn't expect

Complaint: Took out loan through Rise XXXX was advertised as a loan to help boost credit and get back to responsible borrowing. Used as consolidation - took out XXXX XX/XX/2014, now it is showing as owing XXXX I contacted lender multiple times asking for reduced payments, and payment arrangments, with no response. It is now charged off and with a collection agency.

Company response to consumer: Closed with explanation