milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/24/2016 about Money transfers (Domestic (US) money transfer) with WELLS FARGO & COMPANY (MS).
Issue: Incorrect/missing disclosures or info

Complaint: I payed XXXX XXXX on XXXX and revived an conformation nuber on XXXX saying that it 's been payed than I mack an order with XXXX and received an conformation no. Saying it wose payed an being delivered on XXXX than I go an look for it and than its been canceled so I XXXX a XXXX order and it wood not approve the transaction come to find out the payment has ever been returned but not to the fargo acount I payed with

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 05/25/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On  XXXX   XXXX  , 2017 I contacted Toyota Motor Financial Services because nega tive reporting appeared on my credit report. I am a cosigner on my step-daughters loan and apparently in     XX/XX/XXXX / XX/XX/XXXX  h er payments were late. She is in the  XXXX  and had set up auto-payments while out to see, but due to bank account issues her payments did not go through, unknown to her.     I was never even provided the courtesy of contact by  Toyota Financial in order to have an opportunity to make the payment s and prevent the negative reporting, nor was I ever notified a negative report had been made. I discovered it myself during an annual check of my credit repo rt. ( Comically, during my phone call with Toyota, they advised they had attempted to  call me  2-days befo re but left no message - I have no record of a call and even at that it was way AFTER the late payments had appeared on my credit report. ) This does not demonstrate compliance with this section of the code  : 623 - 15 U.S.C. 1681s-2 ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial   institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section  603 ( p ) furnis hes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.     When I discovered the negative reports on   XX/XX/XXXX ,  and contacted the company, I was advised to write a dispute letter noting that I was the cosigner and had never been contacted to make a payment before th e 30-day delinquency, nor even notified that not just   XXXX  , but   XXXX   negative reports had been made on my credit. I wrote a 2-page letter only to receive  an auto-reply form letter dated   XX/XX/XXXX , stating the information was correct. ( see attachment ) The reply did not even ad  dress the points I brought up regarding non-notification. To-date, I have still not been officially notified by Toyota of the negative consumer reports they sent to the credit bureaus in my name. I had also asked to receive monthly billing statements addressed in my name as a duplicate of what they mail to my step-daughter and they have failed to address that request as well. My question is how can the Creditor  hold the Co-signer responsible when I was never afforded the opportunity to be aware of, much less resolve the issue.  My   XXXX   credit score h as plummeted more than  XXXX  points from this specific issue. Is that really the way to treat a loya l Toyota customer of 40+ years? Is this truly legal?

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with QUICKEN LOANS, INC. (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Saturday around XXXX XXXX I received a call talking about mortgages from a Quicken Loan employee. I explained I just had XXXX and couldn't speak but the man became pushy and started to ask for personal information. I didn't want to lose business with them long term so I gave him what he wanted. He then explained he was going over rates, I asked if he was about to do a hard pull on my credit and he replied with he already did and then proceeded to tell me my credit score. I now have a hard pull that dropped my credit because some person never asked or bothered to tell me he was pulling my credit! When I told him I was upset he kept telling me to calm down and that he'd find me a good deal. I didn't want a deal, I wanted to be left alone until I was 100 % ready to buy a house. Very upset and I don't feel that I should be punished for his actions! Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: I initiated a wire transfer of {$10000.00} USD from my bank, XXXX XXXX XXXX XXXX, to CoinBase Inc. I confirmed with their bank that they have in fact received my funds. However, it is has been 2 days and I still do not have the funds in my account. I have tried emailing them 3 times and they do not respond. I continue to only get bot responses that are irrelevant to my issue. I am concerned I will never see the money. A business that manages money transfers and trades should never treat their customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: excessive calls and threats felt very threatened made a payment to stop threats and jail still called and very aggressive wrong amount asked for settlement due to financial hardship refused

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Mortgage (Home equity loan or line of credit) with BAYVIEW LOAN SERVICING, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview Loan place a force insurance on my home loan while I had contuineous coverage. I provide Bayview proof of insurance and they refuse to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The account was opened without my consent. I want it removed immediately form my credit report. They are showing XXXX different reports to the credit bureaus. DISCOVER FIN SVCS XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days XXXX times Status Updated XX/XX/XXXX Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-06-2017 about Mortgage (Conventional home mortgage) with Fairway Independent Mortgage Corporation (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I was requesting a pre-approval letter from XXXX XXXX, Branch Manager of XXXX XXXX XXXX of Fairway Independent Mortgage corporation, and, on XXXX/XXXX/XXXX, I texted to him that I did Not want my credit report pulled for it. He agreed, and sent me a pre-approval form to complete. A couple days later, I received a call from an assistant or staff member of his indicating that my credit report was pulled, as well as my wife 's! I immediately notified her and XXXX XXXX to retract the credit pulls and he notified me that they may not be able to because they go through a separate company to pull the records. I last texted him regading this on XXXX/XXXX/XXXX and he said that he was still waiting on if the inquiry could be removed. Since then, I have not heard back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Representative calls every other day and harasses me for payments. I graduated 3 months ago and am still looking for employment. I decided to pay a forbearance payment to stop the calls only to have them call me 3 days later with the same script. I tell them I paid a forbearance. The representative tells me I am wrong while I am looking at my confirmation of forbearance. I tell her that I have the proof and I am looking at it. She says I am wrong and continues with the script. I tell her I do n't wish to speak with her so she puts me on hold and calls for a manager who proceeds to tell me that she did not lie to me. He acknowledges that I made a forbearance, tells me the representative said nothing wrong, and continues to ask me for a payment. Complete harassment and incompetence at the highest level.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease

Complaint: I took out a new vehicle loan XX/XX/XXXX with Wells Fargo. From the very XXXX month, I was told that I could make payments to my loan using my Wells Fargo account. Wells Fargo has established another company within itself called Wells Fargo Dealer Services, and they do not communicate with each other in regards to electronic payments. When payments are taken out of XXXX Wells Fargo Checking Accounts, they take up to 2+ business days to arrive and be processed at Wells Fargo Dealer Services XXXX They also do not communicate with XXXX another in terms of when payments are submitted or if they are going to be showing up as " late '' within a system. 

Sometime XX/XX/XXXX, I attempted to set up an automatic payment within Wells Fargo, but that system never worked and I missed my XXXX payment, causing me to be 30+ days late sometime XX/XX/XXXX. When I noticed the payment had not posted, I paid what was owed and went on with my life. What I did n't know was that while my payment had posted, I started a clock and payments that were already 30 days behind. At no time did Wells Fargo Dealer Services attempt to contact me and inform me that I was 30 days behind on my payments. Each month, when I would make a payment thereafter, resulted in my being charged on my credit report as 30+ days late. 

I again attempted to set up a auto-pay XX/XX/XXXX, and once again it failed. Once I realized it, there were now XXXX missing payments and I began making frantic phone calls to Wells Fargo to figure out what I could do and how I could make things right. It was then that I discovered the XXXX different companies. Wells Fargo Dealer Services has began looking into transaction dates, as if they could resolve this and tell me to " go away '' because it 's entirely my fault the payments are late. When you have a parent company that takes 4+ days to provide funds for a loan to itself, then docks the person who 's making the payment because it 's late - I think there 's both a LARGE communication issue and potential fraud within their systems. I have repeatedly requested them to see that there was a mistake on my part and ask for an adjustment to all my late charges within the credit agencies, but this request is being met with continual denial.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This debt collector called and continues to call my place of employment where i am not allowed to have phone calls. I have told them this and they continue to call multiple times during my work day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CARDINAL FINANCIAL COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had sent Cardinal Financial my XX/XX/XXXX monthly mortgage payment ( due on XXXX XXXX ) on XXXX XXXX in the form of XXXX different money orders of {$990.00} each, for a grand total of {$2900.00}, in a single envelope. But the bank only cashed XXXX of them for {$1900.00} on XXXX XXXX and applied that amount towards principle, as my total monthly due amount is {$2700.00}. In essence they lost the third money order. Upon inquiring they requested me to send them copies of the money order receipts, which I scanned and sent them promptly on XX/XX/XXXX. The receipt images I sent were of very high resolution, they clearly show each and every detail, including date, money order number etc. They replied saying they would investigate and get back to me by " the time permissible by law ''. I never heard from them after that. I proactively called the money order issuer, in this case XXXX XXXX, and verified that the money order in question has not been en cashed so far, even until today. 

I had been constantly calling Cardinal Financial inquiring about this issue, they kept saying they need additional time to investigate. When I called them today they said they need additional information to investigate, without clearly telling me what. After spending 1/2 hour on the phone with one of their supervisors she said they need photo copies of the original money order. If I had the original money order with me to take a photo copy and send them, we would n't be in this situation. We are here because they misplaced my money order. 
Since they are not being very helpful I called XXXX to see if they can cancel the money order and refund me the money, they said I need to submit a written request with all the proof. But, they would charge me {$18.00} as processing fee. I decided to take this route as Cardinal Financial was n't providing any solution even after a month has passed, making me nervous about my {$1000.00}. 
I called back Cardinal Financial requesting to reimburse my expenses but they denied, though they are clearly at fault. Their customer service department has been making run pillar to post blaming their internal resolution department but each time they refused to let me talk to any one in this department. Its been a nightmare dealing with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-09-2017 about Mortgage (Other type of mortgage) with M&T BANK CORPORATION (TX).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX XXXX Property Address ) to M & T Bank. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was making a qualified written request under Section XXXX of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX XXXX : XXXX ) Appraisal XXXX ) Copy of Contract for Deed XXXX ) Copies of Property Inspections XXXX ) Escrow Statements / Annual Accounting Statements XXXX ) Homeowner Insurance Payments Paid by Loan Servicer XXXX ) XXXX Dues and Special Assessments Paid by Loan Servicer XXXX ) Loan Assignments, Loan Servicing Documents, etc. 
XXXX XXXX Foreclosure Notices, Notices to Cure, Acceleration Notices, etc. 
I informed M & T Bank that under Section XXXX of RESPA they were required to acknowledge my request within XXXX business days and that they must try to resolve my issue within XXXX business days. However, I still have not received any type of response.

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 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received my TransUnion dispute results ( File no. XXXX ), and the credit bureau claims it 'verified ' a trade line identified as XXXX # XXXX '. There are a few problems that need to be rectified : 1 ) Method of Verification letter sent to TransUnion - received on XX/XX/2016. 
2 ) Dispute results issued did not address HOW the credit bureau 'investigated ' the items disputed. 
3 ) XXXX account disputed via CFPB Complaint No. XXXX and FACTA request received by XXXX XXXX ( XXXX ) on XX/XX/2016. 
XXXX ) XXXX XXXX ( XXXX ) HAS NOT responded to the FACTA request. Demand was made for the production of the contract for debt I, as consumer, allegedly signed. As XXXX XXXX FAILED TO PRODUCE a contract for debt per the time frame allowed, FCRA mandates deletion of this line item.

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 11-11-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Struggling to pay mortgage

Complaint: SElect Portfolio Servicing has posted the notice of foreclosure and will be held for sale on XXXX/XXXX/XXXX. I called and spoke to the loss mitigation dept to apply for a modification of my XXXX interest only mtg I have paid for 10 years and they claim Im to late to modify my home loan. Their policy states that this must be done 37 days before the date of the sale. This is not what my attorney says nor the State of  Michigan laws, I have to file for this before the sale date of XXXX/XXXX/XXXX. The person at select portfolio servicing says I can only pay in full or get up to XXXX cash for keys. They refuse to help me. My husband has not been able to work much due to a back injury and XXXX XXXX. 
The mortgage company sent me an appraisal of a value of XXXX. I owe XXXX. This home never regained equity. I had to file XXXX in XXXX due to the economy and the career I had. I worked for a Builder for 10 years and my income was XXXX per year, lost my job due to the builder losing everything. However I did go back to work at my old place of employment. My income dropped from the XXXX to XXXX. I have done the best I can to keep my home. 
I have been turned down twice for a modification in the past. They say I dont qualify. This is not a XXXX  XXXX or XXXX XXXX loan. 
I am being refused the option to modify my mortgage.

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 11-01-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Credit decision / Underwriting

Complaint: My current mortgagor, Wells Fargo, sent an offer to refinance my loan to a lower interest rate. I went through the entire process, submitting all forms and documents. The title is only in my name and I am the only person on the loan. I was informed that since I was divorced over 7 years ago and my decree stated I had to make a payment to my ex-husband that the title company wanted a notarized letter from my ex-husband, stating I paid him the {$5000.00}. I informed Wells Fargo that the decree also showed he had to pay {$2500.00} in my attorney 's fees along with child support and as of XX/XX/2016, he owed over {$21000.00} in child support arrears. I provided a screenshot from the XXXX to further support my contention that I could not owe him the money, but he would demand forgiveness of the arrearage to provide the letter they wanted. I also noted that 7 years is outside of the statute of limitations and since no judgment is recorded against me, I can not owe this money. Wells Fargo then claimed my ex-husband was on the title and would have to deny my loan. Since this time, I have filed a complaint with the Maryland Attorney General. Wells Fargo subsequently claimed there was an error in claiming my husband was on the title and offered me the " opportunity '' to apply to another loan program. They wasted months of my time, not to mention money since my payments should have been reduced as of XX/XX/2016 Merely telling me to reapply to see if I can qualify for another refinance is not sufficient given they blatantly denied my loan under false pretenses. By suppressing our ability to refinance, they ensure the cost to live in certain communities is higher and our real estate wealth is less which creates longer-term economic disparity ( payments are higher although our equity is less ). What, if anything, can you do to help or do you just gather this information to XXXX day, hopefully, file yet another nationwide complaint against Wells Fargo for unscrupulous and fraudulent 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 02-01-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Loan servicing, payments, escrow account

Complaint: INTEREST IN BOTH ACCOUNTS DID N'T MAKE SENSE ON WHY IT DID N'T CONTINUE TO DECREASE

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 06-07-2017 about Debt collection (Federal student loan debt) with New Century Financial Services, Inc. (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Date: XXXX /2017 The c  ompany and persons involved are the following ; NEW CENTURY FINANCIAL SERVICES, INC, THE attorneys that are involved are   XXXX   XXXX   XXXX   ,   XXXX   .
They are suing me for a contract dispute, for attending   XXXX   XXXX   XXXX   XXXX  , this school closed down while I was still a student at the school. Their company is suing me for the amount of {$6300.00}. They are attempting to garnish my work wages and other future financial gains I may receive.

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