milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have 4 loans to the Departmrnt if Edication that are still showing on my credit reports and should be removed bc they have been paid in full via collection of debts from my federal tax returns. All 4 show closed with a {$0.00} balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Debt collection (Auto debt) with CCS Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I disputed this company all of XXXX and the credit bureaus deleted account, but debt collector changed it 's name to report again on my reports which is causing me to qualify for loans or credit.I sent company a validation letter to validate debt but I received no response and company re aged debt on XXXX XXXX that how I know they received my validation letter.They have no information to send

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Consumer Loan (Installment loan) with Ad Astra Recovery Services Inc (TX).
Issue: Managing the loan or lease

Complaint: The company is calling my job harassing my co-workers. I have asked them to only call my personal phone number, but they are ignoring my request. The item is already on my credit and I am unable to pay it at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (I do not know) with New Century Financial Services, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: 1 ) Sued me on debt that is too old to be sued on, if it even exists. I have n't held a credit account since 2009 2 ) Sued me without properly notifying me of lawsuit, I have received no notices letters or correspondence or summons. 
3 ) Sued me where I did not live, apparently I have been sued in NJ, I live XXXX states away. 
4 ) Seized property, & yes they emptied my bank account to XXXX balance.

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 03/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has fail to delete wrong personal information from my report. I have send the same request twice and they have send results as deleted but wrong personal information is still showing on report.

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 09/25/2016 about Debt collection (Medical) with Account Services Collections, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XX/XX/2016 I filed a dispute with credit reporting agencies after noticing a debt from Account Services was placed in collections on my credit report. They did not attempt to notify me of any attempts to llect a debt, my roghts to dispute, or why they are attempting to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was contacted by the company XXXX XXXX last year XX/XX/XXXX in the summer between XXXX and XXXX. The company representative told me that I was in default of a rental agreement and I needed to return the furniture before the store files a stolen property charge with the local police department. I told them that I was on XXXX XXXX orders and that the furniture was in storage and that I would authorize them to pick it up. The man then stated that he would take a payment of XXXX dollars. I asked him what was the total amount due and he could not tell me. He said he had to add other fees and he would call me back with the amount. The company XXXX XXXX went on to put a charge off debit on my credit report with a charge of amount of XXXX XXXX dollars. I continued to receive calls asking me for payment and threats to file police report for stolen property. I called the company in XX/XX/XXXX to make a payment the representative gave me completely different amount than what was stated on my credit report. When I told her that the amount she stated I owe did not match the amount shown on my credit she put me on a long hold on the phone. when she finally came back to the phone she could not tell me how much I owed on the account still. She stated that she was going to have someone call me back with my account information and payment methods. I never received a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Payday loan () with GLOBAL CLIENT SOLUTIONS, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: XXXX I started falling behind on XXXX payday loans.I got on the internet and started looking for a payday resolution company that could reduce my payments so that I could continue to pay and I wanted to pay because I did owe so I saw global client solutions and I called and got information about their program the man that I spoke to told me what to do and I did.the first thing he told me to do was close my account and I did and it cost me almost XXXX $ .he told me the program was either 8or9 months I pick which one I want and that they would stop the interest and split my payments in half and that they would set up me an account and hold my funds until they could reach a settlement with the lenders.I asked him would the lenders continue to call me once I hire them he told me no.I found that to be a lie very soon and when I called him about it after my second payment he got a attitude with me.I felt something was wrong then.well global took the case then they turn it over to XXXX XXXX they are the ones that are suppose to settle your account with the lenders but I kept getting letters about my loans saying they were not being paid on at all they debited my account for three months for XXXX which totaled XXXX they told me they had settled XXXX account for XXXX that was a lie they told me they were paying on my XXXX loan for XXXX only to find out they have paid no one I filed a complaint with FTC and since then I got a email saying I 'm not do a refund from larger consulting group because of all the fees.but global client sent me a courtesy check for XXXX for all fees paid to them.they advised me not to contact them any further only contact larger consulting.please help

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XXXX/XXXX/XXXX my account was overdraft XXXX and i was fee of XXXX dollars on XXXX/XXXX/XXXX i was fee again for XXXX dollars with no notifications where i have checked on my account to receive notifications. 
on XXXX/XXXX/XXXX i was fee again for XXXX dollars XXXX was fee again for XXXX dollars on XXXX was fee again for XXXX dollars XXXX was fee again XXXX dollars XXXX was fee again XXXX dollars I went to my fifth third bank branch to see if this can be forgiven knowing that i have a good credit standing, i paid off their car loans that was with them with a 5 % apr.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (Credit card) with Conn's, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm late on my bill. My husband got laid off I have spoke with someone and told them and I would call back whenever it was 15 days past due and they still are calling me every 30 minutes to an hour I finally answered the phone and told them I already spoke with someone and told them well the little guy was rude after that and I hung up. This is starting to wake me up in the mornings and it 's becoming a very big aggravation to me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: I took out a mortgage with Wells Fargo in XXXX when my husband and I bought our co-op unit. In XXXX, we refinanced and moved our mortgage to XXXX. There was a mishap at the time of the refinance that resulted in Wells Fargo sending me the stock certificate for my co-op unit instead of sending to XXXX, however I was able to resolve this at the time. 

Now, 4 years later, I am selling my unit and today received a title report that shows that Wells Fargo still holds a lien on my property even though the loan was paid off in XXXX. We are scheduled to close on Tuesday XXXX/XXXX/XXXX and my sale is time-sensitive, as the purchase is being made using funds from a XXXX exchange. When I called Wells Fargo today to inquire about this lien, I was told it may take up to 30 business days to issue a XXXX, which will delay and possible derail my closing. I will also incur an additional month of expenses as a result of having to close later. I feel that the bank was careless in dealing with my account closing, as demonstrated both in my receipt of the stock certificate as well as their miss on not closing the lien. This mishandling is now impacting me financially.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was told that I needed to take out a private loan while attending XXXX college in XX/XX/XXXX-XXXX. The financial aid department was n't clear about the interest rate and the whole time I attended heald I was told false information, such as job placement. They did not care about the students, if I was late on a XXXX payment they would not give me access to login onto the computer until I payed, which would affect my academics if I did n't pay on time. They would even pull me out off class to let me know I need to make a payment, This was humiliating for me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing statement

Complaint: Citibank has closed my account because I have disputed a transaction of a service that they promptly issued a credit for even indicating that they appreciate my business. Yet, a couple of weeks later, my account was closed and all my rewards associated with it were voided. In addition to this, I stopped being able to see my statements online and the Executive Office associate I spoke with told me I would start receiving them in paper format from now on. No statements have ever since been received since account closure. I have been receiving calls from this lender at XXXX inquiring why I am not making my payments, when I have contacted Citibank multiple times requesting the adjustment of the balance so I make my payment in full. This includes the removal of the late fees, interest and finance charges for the reason stated above and requesting the honoring of the rewards that were voided by them and not me. Otherwise, no more payments will be done on this account and a lawsuit against these abusive and predatory lending practices will follow. I would also like to add that when I first became aware of the account closure, I repeatedly contacted this lender explaining to them my concerns and even speaking to a representative in the collections department who told me they could only act on rectifying my concerns on the account balance if I defaulted on my payments. Yet, nothing is being done to help with my issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have continuously disputed the XXXX account on my credit file. I know i have disputed it with Equifax in the past and it is in current dispute with XXXX. I noticed on my credit report that the acount was removed, and then it was reinserted. I believe under the fair consumer act Equifax is required to notify me no more than 5 days after an account has been reinserted. I believe I have rights here that have been violated-on top of my dispute with fedloan. I believe that equifax has an obligation to remove the account from the file or they can fax legal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (TX).
Issue: Trouble during payment process

Complaint: In 2016 in XXXX I found that due to circumstances beyond my control that I would be unable to pay the county taxes. Being in a Reverse Mortgage situation, I knew that this was part of the contract and before it became critical I called Reverse Mortgage Solutions ( RMS ) to get advice. While on the phone I was told no problem that they would pay the remainder of my taxes that week. For me this was a big relief since I knew that I was going to be on a long road with the medical issues I was/am still having. <P/>The taxes were not paid until the end ofXX/XX/XXXX of XXXX. The next thing I know I am put on notice that I must pay back the borrowed money or I could lose my home. <P/>I went through a legal aide at a local University. Thanks to two other resources they paid RMS back. <P/>My complaint is this RMS never would put you through to a supervisor and the communication was difficult. Every person you spoke with gave a slight difference in what was going on with my case. <P/>When RMS paid the taxes part of that money was from the last draw I had. They are now charging me an interest fee and administrative fees. <P/>My financial counselor tried talking to a person on the phone and got nowhere and then asked for a supervisor to call and to date no response. <P/>RMS through this whole process has been difficult to work with. Some examples telling us to talk to a certain person and that person never materializes. Sending back checks that were to pay them for they had to come in on the same day. Miscommunication on verbal and written statements, such as you have a draw you do not have a draw and my signature does not match. <P/>I would appreciate you looking into this matter so I can get closure. I will be enclosing the last statement and the one that shows I had a draw. <P/>I am going to be in a very difficult situation come XXXX and the taxes for I am going back in the hospital and do not know what to do as far as my RM. <P/>RMS charged fees in the amount of {$790.00} for inspections and appraisal that will need to be paid eventually. They are telling me they had no choice due to HUD regulations but to move quickly on the inspection and appraisal once they paid my taxes. However, they never communicated clearly that by paying my taxes my loan would go into default. I never would have asked them to pay the taxes if I knew this would happen. I do not feel I should have to pay these fees. <P/>Additionally, I now have a negative " Net Principal Limit '' which they can not clearly define what this means for me and I would like clarity around this.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I noticed on my TD Credit Card account, through TD Bank, I was charged the following late fees ;XX/XX/XXXX {$25.00} XX/XX/XXXX{$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX {$35.00} XX/XX/XXXX{$35.00} The due date for payment is the XXXX of every month. I do not receive a statement, however, payments are always made in the early morning of the XXXX of each month. When I called to discuss the charges on XX/XX/XXXX, I spoke with XXXX from Card Services. She acknowledged that I should not receive late fees, and she would rectify the issue. That did not happen. I called Card Services today, XX/XX/XXXX, spoke with XXXX the supervisor. She refused to assist me in rectifying this issue. I also contacted the Banking Commission, and they stated I should not be charged late fees and referred me to Consumer Protection, and as a result referred me to you. Any help you can offer would be most appreciated. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Other service problem

Complaint: I have  XXXX  accounts with Coinbase.   XXXX   is a bitcoin account, and the other is an Ethereum account. I have a verified driver license on my account, and they are asking me to submit another ID to perform any buy or sell requests. Their website continually does not accept my Global Entry ID, so my accounts are frozen. I have a total of {$180000.00} in   XXXX   accounts. I have submitted several requests to have them verify another ID, or have me submit another form of ID such as a phone bill, and they are not getting back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal identification and credit information was allowed to be released by Equifax through lack of adequate cyber security and that theft of MY information was withheld from me for over 1 month. This has caused me to incur costs to freeze my credit ( through all three credit bureaus ) to prevent future credit theft. 
Equifax has acted unlawfully by withholding this theft of my information from me, by conducting insider trading in the selling of company stock after the cyber breach and before they publicly acknowledged it, and by not providing me with long term credit and identity fraud protection.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a case of identity theft listed on my credit report from XXXX totaling {$350.00}. I disputed this information and it was once removed from my credit report and now the reporting agency has added the charge back onto my report causing my credit score to drop drastically. I did speak with someone at the company and they gave me the address to where the services were set up using my identity and I am familiar with the person that lives at the address. I explained this to the credit reporting agency and they advised that they may be able to help me. I think it is unfair for them to a resubmit the collections after it was removed once before by the credit bureau.. Especially since it is not my debt in the first place. 


Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I spoke with a Supervisor by the name of XXXX at TransUnion on XX/XX/XXXX at XXXX XXXX. I was informed by him that I could not dispute inquires by phone or online and was not able to dispute any inquires over 30 days old. <P/>I am a victim of fraud and have sent TransUnion my police report backing up my claim twice within 2 months and last year XXXX when I discovered fraudulent activity that continues. I requested a link where I could verify TransUnion inquiry dispute policy but was told I could not have that information by XXXX  XXXX at TransUnion. <P/>I have had a fraud alert placed on my file since XX/XX/XXXX and I am still not being contacted prior to information being ran.

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 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I AM FILING THIS COMPLAINT BECAUSE TRANSUNION HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USE TO VERIFY THESE ACCOUNTS. ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX ACCOUNT NAME : UNKNOWN ACCOUNT NUMBER : XXXX UNDER SECTION 611 ( 5 ) ( A ) OF THE FCRA- THEY ARE REQUIRED TO 'PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED '' THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE. I SENT IN A THEFT REPORT NOTARIZED AND A COPY OF MY DRIVER LICENSE AND COPY OF MY SS CARD

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 10/31/2016 about Debt collection (Medical) with Coastline Financial Resources, LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a phone call stating that I had a debt and that documents were prepared to be delivered to my place of employment. I called and was informed of a debt for XXXX that I had no prior knowledge of. I was told the debt was from 2005 and they couldnt tell me anything about it, besides where it was from. I called where it was originally from, and they stated the amount was {$250.00}. I have been shown no proof of a XXXX dollar debt, and have received no notice of my right to dispute this. I was only told if I could n't make {$90.00} per month payments that legal action would be pursued. I was mailed a consent form to sign so that they could take money fron mt account.

Company response to consumer: Closed with explanation