milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Ally Financial has inquiries on all 3 of my credit reports that I did not authorize, I tried having this removed from my credit file with all 3 credit Bureaus and they state Ally Financial verified it, however I never authorized it. the dates are XXXX XXXX, 2016and XXXX XXXX, 2016.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: CBC INNOVIS RAN ME XXXX IN ERROR. SOFT ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Credit card () with Law Offices Howard Lee Schiff, P.C. (ME).
Issue: Other

Complaint: I had a credit card with " XXXX XXXX '' which I fell behind on. The total balance was {$500.00}. This debt was apparently sold to " XXXX XXXX '' who then turned it over to " The Law Offices of XXXX XXXX XXXX '' for collection. XXXX XXXX 's office sent me a letter on XXXX/XXXX/XXXX demanding a total of {$800.00} for this bill. Although I am afforded 30 days from my receipt of that letter to dispute the debt I was not allowed to do that as XXXX XXXX 's office filed a small claims suit against me on XXXX/XXXX/XXXX, 18 days after sending me notice of the debt. They then sent me a letter dated XXXX/XXXX/XXXX indicating that " on XXXX/XXXX/XXXX '' I was served with a summons but can still settle the matter " amicably '' by paying their demand. As this is a credit card debt, it is subject to a non-binding arbitration agreement and as such, XXXX XXXX 's office was erroneous in filing a lawsuit. Notwithstanding this error, XXXX XXXX 's office filed this suit within 18 days of notifying me that it had taken over the debt and thus disallowing me the 30 days to which I am entitled to dispute the debt and request proof as the FDCPA affords me. The addition of {$300.00} to an alleged {$500.00} debt with the above FDCPA violations constitutes multiple unfair debt collection practices as well as abuse of the court system.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I obtained my credit report from Experian and in order to get my credit score, I paid {$1.00} to Experian. When I put in my credit card information, below that section, there was in small writing, a paragraph that stated my credit card would be charged a monthly amount for credit fraud protection unless I lived in New York, where credit reporting companies are prohibited from imposing such an automatic credit charge. I live in New York and the address I included for the credit card payment was my XXXX, New York address. I was charged the {$1.00} the day I received my credit score and then just today XXXX a couple weeks later ) a pending charge on the same credit card for {$23.00} showed up from Experian. I do not know what the charge is for, probably credit fraud protection, but I did not approve it and did not think Experian could charge me for it legally, as I am a resident of New York.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/25/2017 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: Their investigation did not fix an error on your report

Complaint: I am disputing the US Bankruptcy Court of XXXX XXXX Court of California with their office and as well as the credit bureaus Equifax, XXXX and XXXX. The 3 major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Billing disputes

Complaint: I have two issues. 
I have a credit card with Bank of America. I put in a change of address with them. I did not receive my bill and received a late fee. I subsequently paid my bill. I requested that they waive the fee and they turned me down. As a XXXX I complained to investor relations and they notified a debt collector who sent me an email yesterday.

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 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : XXXX days late as ofXX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Struggling to pay mortgage

Complaint: 1. Nation Star Mortgage wrongfully denied me for the HAMP program. They stated that I did not turn in the IRS XXXX form, for myself and for the household contributor, on time, even if that was true it is not applicable. The IRS XXXX form is to show taxes filed for the past three years. But because I and the household contributor receive XXXX social security income only, we do not file taxes. Nation Star admitted that we provided that proof in a letter dated XXXX XXXX, 2016 where they write a current award letter for fixed income that shows the amount frequency and duration of the benefit income, was received for me and the household contributor. 2. I sent them proof for myself the Social Security income I receive for XXXX before XXXX XXXX, 2016 and it was accepted. Since I am on XXXX I do not pay taxes. The same applies for the household contributor. The XXXX form was not necessary for my application because it did not apply to me, yet it is the reason that I was denied assistance. I, the borrower, and the household contributor have been on XXXX for over three years and the award letter states how long that we have received it. The XXXX form only shows the past three years and our award letter shows over three years. 3. The reason that me and the household contributor are on XXXX is because we are not able to work a job. We explained this to Nation Star and gave them strict proof. In a letter from XXXX XXXX, 2016 they admitted that they received a current award letter for fixed income that shows the amount frequency and duration of the benefit income. 4. Nation Star Mortgage increased my monthly house payment amount by {$310.00}. It went from {$1400.00} to {$1700.00} and they never notified me about the increase and still has not provided any proof that I was properly notified concerning the increase of my mortgage payment prior to the increase thereof. 5. In conclusion, I have attached a letter from XXXX XXXX, 2016 stating that the award letters were accepted for me and the household contributor, which shows our only income for over the past three years. We receive XXXX income from Social Security, which is not taxed, and no requirement to file taxes. This was thoroughly understood by Nation Star Mortgage. Therefore, the XXXX form was not needed nor applicable to my application. This should have given Nation Star plenty of time to process the information before XXXX XXXX, 2016. I am also requesting that they send proof that I was properly notified about the mortgage increase. I want them to tell me why my mortgage increased.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion file # XXXX, will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XXXX/XXXX/15. Collection XXXX reports twice a month to TransUnion, and they refuse to remove the paid collection until XXXX XXXX 2015! This is unacceptable and violates FCRA laws! I reported these discrepancy in XXXX 2015. Now TransUnion continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report in XXXX 2015 and having my credit scores raised for the months of XXXX and XXXX 2015. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XXXX/XXXX/14 with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XXXX 2015 and TransUnion wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XXXX of 2015 and moving forward.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: On XXXX XXXX and XXXX XXXX I conducted a Bank Wire Withdrawal with Coinbase App. Coinbase did not imform me they were having delays with their Bank Wire option and charged me a service fee of {$25.00} for each Bank Wire. 

On their website it states bank wires are immediate or 1-2 business days unless submitted after XXXX. Well its XXXX XXXX now and I still have not received my monies from them. I have communicated with them VIA phone call. After hour long hold, they did not give me an estimate on when I will have my funds released to me from them. I have opened to escalation tickets and no replies from them. I have even tried getting their attention on XXXX and no replies back on the matter. 

I am waiting for {$570.00} in total. When I first spoke to a Coinbase representative on XXXX XXXX they stated that the only thing they can do is escalade the matter. I requested a refund of the two {$25.00} wire service fees but was denied. The second time I called on XXXX XXXX They told me they are having small delays and I should have my monies soon but could not give be a solid estimation. On their website by time it stated they are having 1-10 business day delays on wire withdrawals. The third time I called I got the same information, they do n't know when they will have the monies in my bank as promised before. 

Its been 20 business day Coinbase has not paid my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (UT).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I purchased this savings certificate (XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX) in the amount of $XXXX on XX/XX/XXXX for my son, XXXX XXXX at XXXX XXXX XXXX in XXXX, PA. Certificate #XXXX. Since the purchase of this savings certificate, the bank has undergone many mergers: •	XXXX taken over by XXXX XXXX•	XXXX taken over by XXXX XXXX XXXX XXXX•	XXXX taken over by XXXX XXXX•	XXXX taken over by Wells FargoI have the original savings certificate which is a certificate that is an auto-renewal certificate in which the interest is capitalized annually. It states on the certificate that it is payable only upon presentation of the original certificate, which I have in my possession and have never presented it for a cash out.I have been speaking to XXXX XXXX at Wells Fargo Bank who has been assisting me to redeem this certificate and I’m told that they cannot cash it because they do not have any record of it, which they should. We have had a continuous account with all of these banks over thirty years and still maintain an account with Wells Fargo. They should have a record of my certificate and be able to cash it on its redeeming date. I have demanded payment with interest for this certificate upon its renewal.

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 08/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: My account was closed by Citibank without due process due to an issue created by another bank 's process ( please refer to CFPB dispute # XXXX for other open dispute with that bank ). I was not given any reason for doing so by the representative on the phone, nor was I given a contact phone number to resolve this issue. I was unable to reach a supervisor to discuss this further.

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 04-05-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am a XXXX with private loans. Navient has been calling me to request that I start repayment, since my grace period of 4 years is over. I have spoken to them several times and have described my situation as follows : I am still in school. My program does not allow me to find work besides the assistantships that they require me to fulfill ( this is standard in the field in which I am pursuing my degree ). As a result, I am unable to procure for myself additional income. This is of importance because my stipend only covers my basic necessities. I have gone over my finances with them multiple times, in detail. I have shown that I am unable to repay at the moment. Whenever I offer to pay the amount that I am able to pay ( $ XXXX- {$100.00} per month ) they have rejected it saying that it is not enough. They claim that they are willing to help, however, in the end, if I do n't pay the minimum amount ( which I can not afford ) they will not compromise. In addition, I have colleagues that are also past their 4 year grace period and they are not being asked to repay. This fact is only to say that I wonder why I am being targeted and why they are unwilling to work with me. I wish that I could talk to someone to make an appeal, but I am only ever able to speak to associates that pressure and harass me and do not try to work with me on this issue. 
I would greatly appreciate any help. I am not trying to get out of repaying, I just have not completed my program and I worry about next year also because I still have one year of internship to complete, where my income will also be limited. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I went to obtain credit at a local bank and my credit union. I was immediately denied. When I asked why, they informed me that it was because of information contained in my credit report. 
I went online and purchased a subscription to view my report. I immediately saw an account that has reported 90 days late for the last 3 months. This account does not belong to me. I closed my personal account with XXXX XXXX years ago after paying off my balance. Their posting of the entry onto my report is unfair and unjust. I am requesting that it be immediately corrected and any creditor I applied for credit with in the last 4 months be notified of the removal.

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 02-07-2018 about Debt collection (Federal student loan debt) with COAST PROFESSIONAL INC (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The Coast Professional has been garnishing my wadges since XX/XX/XXXX without any prior notice. I was enrolled in a Rehabilitation program in XX/XX/XXXX. Said program required 5 payments paid consecutively and on time. I was told by my representative XXXX that afer all paper work was recived I would be enrolled and The garnishments would stop XX/XX/XXXX. In XX/XX/XXXX I recieved a letter stating that my loan was in default. Upon calling the company I was told that I was never enrolled in the program I was just prequalified. I explained that wasnt so because I had doucumentation verifing my enrollment, and told them that payments had been drafted on time monthly since XX/XX/XXXX in addition to bi weekly garnishments since XX/XX/XXXX. I have spoken to XXXX, XXXX, XXXX, and XXXX XXXX XXXX first names, they will not give me last names or direct lines ) all four employees have given me diffrent information and forms needed. and refuse to stop the garnishment as previously stated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with SYNCHRONY FINANCIAL (OK).
Issue: Late fee

Complaint: Sychrony Bank acting for Sam 's Club MasterCard processed XXXX electronic bank payments for payment in full of charges. The XXXX month Sychrony Bank rejected the electronic bank payment and then charged me a late fee and interest. When I called their customer service number I was subjected to an interminable call tree designed to prevent contact with a human. When I finally reached a customer service representative and tried to explain the problem they claimed it could n't happen and that I should pay my bills on time. I finally escalated to a supervisor that was fairly rude and again claimed that they did n't have a problem. XXXX refused to contact their data processing unit and suggested I write their payments department. The supervisor finally gave me a credit for the late payment and interest charge " as a courtesy '' when I threatened to cancel the card and not pay those charges. For the next two months I made alternative payment arrangements. This month, with the assurance of my bank ( XXXX ) I again tried electronic bank payment. Again Sychrony rejected the payment. This time however I had scheduled the payment in plenty of time to avoid missing the due date. I again called the customer service number at Sychrony for Sams 's Club MasterCard to advise them of the problem I ran into the same problem as before. Denial that the problem could happen. I asked to speak to a supervisor that suggested I delete my payment information and enter it again in spite of the fact that they had processed XXXX payments successfully using the same information. It appears That Sychrony Bank either has a technical problem they refuse to admit or they are committing fraud by purposely rejecting electronic payments in order to collect late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: my boat trailer was stolen. I never received pink slip from old owner XXXX XXXX XXXX towed it. towing company hired credit bureau associate company to collect for storage fees old owner told credit company he sold it to me credit company changed his name to mine and never told towing company. towing company told me they sold the trailer and have no contract with collection company in my name. they say collection company changed old owners name to mine illegally.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2016 about Money transfers (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD).
Issue: Fraud or scam

Complaint: I completed a money transfer today XXXX/XXXX/2016 to XXXX and had been notified by the recipient that there is no record of the transfer. After tracking on the website it states that there is no record of the transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/23/2017 about Mortgage (Other type of mortgage) with U.S. BANCORP (WA).
Issue: Applying for a mortgage

Complaint: The problem is that the loan I took out with USbank is an Installment loan. With no future advances. That the deed of trust that USBANK does not reflect this.
The Deed of trust that USBANK recorded says in clear english that I have line of credit. It also says that I can make future advances.
Even after USBank has reviewed this they still say they have done nothing wrong even the DEED OF TRUST and their letters are clearly are in conflict with each other.
I am Requesting that USBANK make an amendment to what they recorded to CLEARLY reflect that the loan I have is an INSTALLMENT LOAN.
This is needed because 5 different title companies have reviewed the current Deed OF Trust that USBANK sent to their title company to be recorded. All 5 of the title companies that I had review the Deed of Trust inturpeted the current recorded DEED OF TRUST to say that I have LINE OF CREDIT with future advances not an INSTALLMENT LOAN. All 5 companies state a letter from USBANK that says it is an installment loan does not change what they had recorded and all 5 companies said that could offer title insurance on the property with the loan recorded as and Installment loan.
As a result of USBANK interpetation of what they recorded and refusal to amend what they recorded to more clearly reflect that I have an installment loan has kept me from being able to get a Home Equity Loan and has cost me 5 months delay in getting a loan and has currently cost me .25 % on any loan that I will get. This quarter point will cost me {$5300.00}.

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