milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2015 about Mortgage (Other mortgage) with M&T BANK CORPORATION (MO).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2014 I sent the consumer financial protection bureau a complaintconcerning our current mortgage with M & T Bank. In XXXX of 2014 I received aletter through CFPB and a hard copy from M & T Bank that they conceded faultand returned all funds and would fix all past due credit record amounts. We didreceive all past due funds but M & T Bank has not corrected any of the past dueamounts on our credit record which has damaged my and my wife 's creditscore. 
Attached is a copy of the original complaint and a copy of the response from M & t Bank

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit card () with ZENCO COLLECTION, LLC (FL).
Issue: Delinquent account

Complaint: I was called by a young lady from phone # XXXX XXXX XXXX who asked me my name and when I verified my name she said I was in trouble and owed XXXX XXXX XXXX {$12000.00}. She said I was being sued and she put me through to her company 's 'legal department '. A man then got on the line and said they would sue me and garnish my wages. When I asked him the date of the debt and the name of his company, he just kept talking about how I was a lousy person for not paying my debts. I asked him a number of times for the date of this alleged debt and his company, but he got mad and hung up the phone? Back in 2008 I did have credit problems and XXXX XXXX XXXX was XXXX of the creditors I owed, but the Florida Statute of Limitations is XXXX or 5 years depending on the debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There were inquires that were removed on my credit report and were re added without written notification frca section XXXXXXXX

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 05-08-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: I purchased an appliance named XXXX dehumidifier from Sears.com. The product is listed under the XXXX manufacturer warranty for the defective product and the part that failed. The purchase date states XXXX/XXXX/XXXX sales ticket XXXX ( sears ). The problem with this purchase is that I purchased a XXXX BRAND it also has a XXXX Booklet. I called XXXX and they are willing to replace the product or swap it out. problem encountered was that the serial number listed on the SEARS.COM item that I am paying on my sears credit card with a payment of XXXX.per month is not a legitimate SN. sears is denying this and not allowing the return or credit to my card and blaming a third party called XXXX XXXX ', XXXX said to contact Sears and XXXX about the return since XXXX XXXX the third party seller with only a XXXX product initial warranty..The XXXX part though is still under warrany thru XXXX XXXX XXXX. XXXX needs verification of the original SN for return purpose and credit. This product has a UPC number of XXXX ( stated by XXXX, The model number on my dehumifier is XXXX, SN # XXXX. XXXX states that is not a valid SN, otherwise they would swap, credit or repair. sears claims they are not responsible as I object, due to the fact I purchased this thru SEARS and it stated XXXX on the product. There is not any stipulation anywhere in the booklet stating the product 's SN has been altered therefore I assumed it was a legit purchase. even refurbished products contain the SN to replicate the original for product identification as automobiles do. I am out a XXXX dehumidifier. I purchased it for my health needs. I want this warranty held up as SEARS should be standing behind XXXX products sold using the sears credit card. I want this illegal and unscrupulous act rectified so I can use a dehumidifier. 
My frigidare ticket and complaint verification was lodged within their company telephone number XXXX ticket # XXXX they stand by their product and warranty. 
Sears in XXXX XXXX IL has denied the purchase or assisting me despite being referred to them by frigidare to alert them to this SN # matter and credit card charge dispute. the third party overstock.com tel # XXXX who sells thru Sears has an invoice number proving this sale # XXXX please help me obtain credit for the product as it is under a valid warranty from frigidare Company and sears is denying and refusing to help despite the fact I am paying in a credit agreement thru Sears credit card/citibank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I was served with a foreclosure complaint on XXXX XXXX, 2014. The alleged plaintiff is XXXX as Trustee for XXXX Master Participation Trust. However, the actual entity is XXXX TRUSTEE. This entity was created in XXXX, XXXX with an address of XXXX XXXX XXXX XXXX, XXXX. This is the same address for CALIBER HOME LOANS, XXXX MASTER PARTICIPATION TRUST, VERICREST FINANCIAL. Caliber Home Loans, the alleged mortgage servicer, is the real party who is executing this foreclosure. It appears that CALIBER has been foreclosing on many properties over the last few years using their bogus entity XXXX TRUSTEE. They alter the name to XXXX as Trustee. I contacted XXXX and they readily admit they have nothing to do with the foreclosure. XXXX says CALIBER Home loans is doing the foreclosing. I am sharing my research with all agencies, DOJ/FBI, XXXX Atty general, US ATTY GENERAL, XXXX ATTY GENERAL, and more.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit score is suffering due to a deed-in-lieu of foreclosure created by XXXX Military Permanent Change of Station extreme hardship. I understand my credit may be affected for a period of 1-3 years, however on my credit report the delinquency is showing it will hurt me through 2022 ( over 7 years ). What help, assistance and/or protection is afforded to me under the FHFA, SCRA and HAP?

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On    XXXX   XXXX    , 2017 I n oticed that my credir report dropped a significant amount. This was due to an error that   XXXX   XXXX   made. They erroneously reported that I was using between  12 and 29 % o f my credit for the month of  XXXX . On    XXXX   XXXX    , 2017 S upervisor at   XXXX   XXXX    XXXX  stated she would message the  XXXX  reporting agencies,  XXXX , Transunion and   XXXX   of the mistake. The mistake has not been corrected and needs to be corrected immediately as it has an impact on my va loan that is currently being processed. I have attached  2 scr een shots of my credit report. The correct  one and t he one that took a hit uneccessarily. Please fix this error ASAP.

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 03-09-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am robo-called an average of 6-8 times a day from Navient. In one month, from XXXX XXXX to XXXX. XXXX. I was called 112 times. I have spoken to this company several times about my debts. They have been unwilling to accept any terms. They have called me before XXXX. I have at least one saved message from before XXXX. Several times I get a call every hour. Occasionally, these calls will also occur within minutes of each other. One example is I was called ar XXXX XXXX, then again at XXXX XXXX. I want the excessive harassment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On  XX/XX/XXXX  my wife & I went to Bank of America (   XXXX   XXXX   XXXX   XXXX  ,  XXXX  WA ) to close our account. We were told to close our account, we would need to withdraw all of our money, then call their customer service number and instruct them to close our account. We did this and were told our account was then closed.
On  XX/XX/XXXX  an automated charge went through. Since it was pending, Bank of America automatically reopened the account. That has caused more funds to be drafted from the account and they have levied fees against us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Mortgage (Other type of mortgage) with PNC Bank N.A. (CA).
Issue: Trouble during payment process

Complaint: Refinanced a commercial loan and trying to pay off the current loan with the loan servicing company, XXXX XXXX XXXX. XXXX is requiring three to five days to determine the pay off amount which is costing me over {$110.00} per day. Their reasoning is that is takes them that long to review the loan documents. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a student loan from attending the XXXX XXXX of beauty. My loan was apparently sold to Transworld Systems Inc . I agreed a year ago to a repayment plan and they said after XXXX consecutive months it would come out of default status and be ready to return finance. Than I get a letter say my account non compliant I call and they are rude and say they sent me email etc to read sign up I make XXXX payments on the phone than I realize it 's a scam they add thousands of fees and you never come out of default. My account # with them XXXX their number is XXXX please help me they are lying crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is reporting an account with XXXX XXXX / XXXX which was owned by XXXX XXXX then sold to XXXX as late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account was never late. XXXX is apparently reporting this information but they did not own the card at that time. I contacted XXXX XXXX and they stated the account is being reported to XXXX as on time and never late. XXXX XXXX said that since the account was sold they can not report the account to the credit agency 's. I am getting a run around in circles.

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 04/20/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: A collection was deleted from my report, and was reinserted without my knowledge.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: a computer glitch that was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added.these inquiries added a hardship and that your rights were violated by TransUnion. Can CFPB help make TransUnion stop victimizing me.

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 11/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: Wells Fargo was allowing my debit card purchases to go through even with insufficient funds and then charging me a fee. Rather than declining my card at the point of purchase. I was told it was due to the service being on my account. I called Wells Fargo customer service on XXXX/XXXX/2016 to remove " overdraft service '' from my account. I was partially refunded my overdraft fees during the previous billing cycle. I was also assured my card would be declined on any further purchase attempts when insufficient funds were present. I made it very clear to representative that I was switching banks and that if any other charges hit my account to deny and not pay them. I was assured this would be taken care of. Since this conversation with Wells Fargo, they have hit my account for XXXX overdraft fees for charges they did not even pay.

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 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have made this complaint about this company Enhanced Recovery Corp. that is still showing on my credit Reports as a negative trade. The original fie was already disputed and was found to not be my account I have never signed anything with that creditor and did report that it was frequently. Enhanced Recovery Corp a collection agency has not place the same account on my trade stating that I owe which is not incorrect. Enhanced Recovery Corp. sent me a response via the CFPB stating that they will remove the trade, but it will take them up to 45 days. In one week I apply for another lease for an apartment for my family and I to move in and since I have already been denied a place to live last month because of inaccurate reporting. I know that I will get denied again because, of the inaccurate reporting cause by Enhanced Recovery Corporation via the CRA 's I have arranged to speak with legal counsel in regards to Enhanced Recovery Corporation. and the XXXX, XXXX and XXXX for False or misleading representations. I have already enclosing a copy of sections 6058, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft to the attorney General of California for the original credit and the last XXXX collection agencies. I refused to wait 45 days for Enhanced Recovery Corp to remove the inaccurate trade. Enhanced Recovery Corporation has an Inactive Status in the state of XXXX and withdrew authority to transact business or conduct business in the state of XXXX in 2010, but incorporated under the laws of XXXX. When researching Enhanced Recovery Corporation in XXXX I was not able to locate the Corporation, but discover another entities with different names other than what is reflected on my Credit Reports. 
Enhanced Recovery Corporation has continues to damage financial reputation, negligently support the enablement of identity fraud, and violating the Fair Debt Reporting Act. Why does this deceptive misleading practice continue and why does the Consumer Financial Protection Bureau does not place more research on the abusive debt collection companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I have opened a wallet in coinbase.com they asked me for a small transaction so they can activate my account and I could get my money out of the wallet into my bank account. I sent 10 and they said that it would take about two working days to activate my account. However, it's been almost two weeks and yet my account is not activated, I tried to contact them by all the methods they provide in their website but I never receive any response. 

I have invested thousands of pounds to get all the money that is in that account but they are still holding it. 

Please help me with this. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Debt collection (Medical) with SYNCHRONY FINANCIAL (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Creditor sent a demand letter to consumer on XXXX XXXX, XXXX. Consumer responded on XXXX XXXX, XXXX with a letter asking for verification of the validity of the debt. It has been over a month, and creditor has not responded to the request. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

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 01/18/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I took out a loan and started paying XXXX XXXX, then it switched to Navient, I have been paying extra here and there but my balance does n't seem to be going down, it 's like my payments are n't making a difference, I should be done paying it, but it 's not decreasing.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I discovered a Georgia State Lien on my credit report XX/XX/XXXX. I called the court in XXXX County and was told it was paid. I informed the credit bureau that the date of payment of my credit report states XXXX XXXX instead of a payment date of XXXX XXXX XXXX. It was not corrected. It is 7 years on XXXX XXXX, XXXX since being paid and I would like it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Bank account or service ((CD) Certificate of deposit) with ALLY FINANCIAL INC. (CA).
Issue: Account opening, closing, or management

Complaint: Ally Bank refused to transfer a matured CD IRA account by trustee to trustee transfer as I requested well in advance. They failed to disclose a signature guarantee requirement. They made me take it as a distribution causing needless delay, loss of interest income and red tape in my doing a rollover. They benefited by the delay in having the money for an additional number of weeks. They admitted being arbitrary and unnecessary in requiring a signature guarantee when they already had a signature agreement on file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/27/2016 about Mortgage (Other mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL).
Issue: Application, originator, mortgage broker

Complaint: I have been trying to get a copy of my modification agreement that spells out the terms of my modification and future interest rates since XXXX XXXX, 2016. I have made several attempts to Rushmore Mortgage by fax and email and still have n't received.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Deposits and withdrawals

Complaint: I opened a joint savings account with Capital One 360. They made me confirm both account holders to fund the account. I requested to open the account with {$300.00}. They made me confirm test deposits of XXXX and XXXX cents for both account holders in order to fund the account. After confirming the second account holder they withdrew an additional {$300.00} from my account and put it on hold. I have a 10 day hold for {$600.00} with them when I only wanted to deposit {$300.00}. 

After calling customer service twice they refused to release one of the deposits back to my bank. I advised them that I confirmed the same XXXX and XXXX deposits to fund the account for both users. Their software is flawed and has double dipped my account and XXXX my budget for the month. They asked if it had overdrawn my account, as if they might be able to help more. I advised no, then they said there was nothing they could do. This is the resolution after speaking with XXXX customer service reps and a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for the loan on X/XX/17. At the time of my approval I was not notified that my interest rate would be an outrageous 661.47771 %. I took out a loan for {$400.00} and has already paid XXXX close to double. At the end of my loan I would have paid {$1500.00}. I contacted the company thinking something was wrong is the reason I am still having it taken out of my account. I was told about the APR at that time in XX/XX/XXXX. I believe this company has hidden the information from me at the time of process.I have went through all the initial paperwork and nothing stated the interest amount. Please assist me in this matter, I feel like they are misleading and have truly taking advantage of consumers

Company response to consumer: Closed with explanation