milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/21/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NE).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I am asking you to have consideration of me, I had a work orientation but my condition is a little bad for this moment I am treating myself because my medical condition is not well ; I am having a lot of chest pains and I had problems in the past with my hearth and for that reason I cant continue with the orientation of the work because my health is first. 
I understand that it is my responsibility to comply with the car loan, it is my only transportation and I have frequent medical appointments, I am not refusing to pay. 
I 'm just asking you to remove all the late payments move it to the end of the loan, just defer all the late payments please to start everything without any problem in XXXX XXXX, since I had to make some mechanical work to the car.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Trans Union, XXXX and XXXX all show a bankruptcy on my credit report. This information was obtained by a third party. The bankruptcy court verified with me that they do not report to the credit bureaus. This information must be deleted.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: After learning about the XXXX Spring/Summer hack of Equifax, I took the following actions on XXXX XXXX, XXXX : Went to the Equifax website and learned that my information may have been stolen as part of the hack. 
Put a freeze on my account with Equifax, XXXX, and XXXX. 
Placed an initial 90 day fraud alert on my credit file. 

I understand that the hack is not entirely the fault of Equifax, nonetheless, I feel harmed and believe my information is now out on the internet/public and I am vulnerable to identity theft. I have taken actions listed above to mitigate the damage, but I also had to pay for the freezes on my accounts. I know I am not alone in this, and I look forward to action being taken to reconcile this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: Hello, My Wells Fargo account was been withdraw $ XXXX/month by XXXX XXXX without my consent. I already filed a case with XXXX XXXX case number is XXXX. Transaction # on my bank statement is XXXX XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: I can not get anyone in the company to respond to my repeated phone calls and emails.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 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 wired from XXXX XXXX XXXX {$7600.00} to Coinbase on XX/XX/2017. Its been over a month and it has not been posted to my account yet. I have called my bank and their bank and they said it has been sent to coinbase already. I have sent 3 emails to XXXX, as directed in their recorded message, but there is not a single response. Please help me to recover my money. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I pulled my XXXX credit report to find a debt of XXXX dollars the collection agency not XXXX never informed me that they were putting anything on my credit file. In XXXX XXXX I called XXXX to terminate my service with them. They charged my bank card XXXX dollars which was with XXXX XXXX XXXX XXXX. Then I called direct tv to ask them why they stated at the time it was for an early termination fee. I informed them I was under no contract with them. They stayed yes I was for two years, I asked them to provide the contract and they said that they did n't have the contract but I was under contract when I upgraded my satelite equipment. I returned the equipment via mail and then disputed the charge with my bank. XXXX XXXX XXXX XXXX reversed the charges. I thought I was now done with this, but I pulled my credit report in XXXX XXXX I noticed a collection from Afni which was a collection agency for XXXX, they had first reported it in XXXX XXXX. Afni nor XXXX never informed me that they were reporting anything to the credit bureaus. I called them in XXXX and was told the report was for XXXX dollars, and said that it was an early termination fee, unpaid service and missing equipment. My service balance was XXXX in XXXX XXXX. In addition as was previously mentioned, I returned the equipment and was under no contract.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I took a mortgage loan from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. md XXXX, phone XXXX XXXX XXXX on XXXX. 
XXXX, the house was foreclosed and sold in public and the credit union took over the property. 
Now the credit union reported to the three credit bureaus a foreclosed date of XXXX which was wrong and secondly they put a balance of {$67000.00} due to be paid by me why in actuality, the account was charged off. I had disputed this several times, with the credit bureau and results came back unchanged. 
This had resulted in my inability to secure a mortgage loan for a new house or reasonable loans to do business. 
I had contacted XXXX XXXX several times to correct this information but to no avail. Please mediate in this matter.

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 06-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CO).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: XX/XX/2017     Capital One was d eceitful in the mailer offer received I do not fill that the offer or cli provided was given with regard to my rights under the FCRA. To add further insult I feel I was treated poorly based on m y sexual orientati on and multiple times I was called a Ma'am during the call when I have applied a male -  XXXX  is not a female name -  XXXX  is ....

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 (FL).
Issue: Struggling to pay your loan

Complaint: I took out a payday loan with Big Picture Loans. I can not pay this loan in accordance with the terms of the loan. I contacted a credit counselor under the law in Florida which states : Grace period. The law provides you with a 60-day grace period if you are unable to pay back the loan upon the expiration of the contract term. But to take advantage of this you must : ( 1 ) make an appointment with a credit counseling agency within seven days of the original due date, and ( 2 ) complete the credit counseling within the 60-day grace period. If the credit counseling agency recommends a repayment plan, you may repay the debt in  accordance with the plan without incurring additional fees or costs. I completed this. The company emailed Big Picture proof of same. Big Picture immediately placed my loan in a " past due '' status even though my payment is not due until tomorrow. They refuse to speak with me. They have already collected over {$900.00} in interest with {$0.00} applied to the loan itself. I have since learned that these types of loans are prohibited in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is committing FRAUD and personal Discrimination acts against my personal credit File with an attempt to Reduce my Credit Score and cause me hardship with higher interest rate for being a Strong Advocate XXXX XXXX XXXX Consumer that 's fought back against the establishment. These XXXX are and have been reporting Collections Account information FRAUDULENTLY, below are the XXXX Fraud and erroneous account the XXXX are attempting to hold hostage on my account : 1. XXXX XXXX XXXX XXXX, this XXXX account was included in my bankruptcy account, Bankruptcy number XXXX, that 's been PAID IN FULL and discharged, but these XXXX Experian is still report this account on my credit file. I 've spoken with XXXX XXXX XXXX XXXX that they 've sent me and verbally spoken with me and assured me that they are not reporting this account with Experian and NO other XXXX 
Credit Reporting Agency. Again these XXXX are hindering my credit score and causing me to pay higher interest rates. 

2. Medical Collection, XXXX XXXX XXXX, Acct. # XXXX, this account was paid by the XXXX, I 'm a XXXX XXXX Veteran and I have the VA as my insurer, and I have XXXX, and XXXX XXXX as my medical Provider. I 've spoke with XXXX XXXX XXXX, I have a XXXX letter from them stating that they are not reporting not one XXXX thing to EXPERIAN, these XXXX ( EXPERIAN ) are falsifying and Committing Fraud against my credit file. I would like for the Consumer Financial Protection Bureau to call XXXX XXXX XXXX at XXXX and they will verify my concerns as being TRUE, I do not owe a XXXX penny to XXXX XXXX XXXX period, Account # XXXX. I 'm also contacting XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and an Social Security Beneficiary and the aging dept of the Justice Department civil rights division, these XXXX are playing with me as an XXXX XXXX American Consumer! Enough is Enough NOW!

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 02/18/2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Customer service / Customer relations

Complaint: I tried to make a certain purchase with my Citibank Double Cash MasterCard. The purchase looked like " suspicious '' activity to Citibank and was flagged causing a fraud alert/hold to be placed on my account. All of this is completely reasonable. What is NOT reasonable is the fact that I 've been trying to get the fraud hold removed from my account for more than a month. For over 34 days I have placed numerous calls to Citibank 's Fraud Department with absolutely no success. I 've been disconnected, lied to, and given the runaround. It 's wholly unacceptable. Citibank insists they can not remove the hold because they can not verify my identity. They said they need a registered phone number in my name in order to do this. I do not have a landline telephone. It 's 2017 and I am 100 % certain that I 'm not alone in this. I do have two cell phones, both in my name. One of which I 've had, in my name, for over 6 years. Still Citibank said they can not use those phone numbers because they do not show in their database for verification. So, one rep asked me if I had another Citibank account they could use. I do and I have that account information only to be told that they can not use that for verification. So the other account which has the same name, social security number, and address can not be used to verify my identity according to them. This is another Citibank account. After speaking with countless representatives, supervisors, and someone who identified herself as a manager, I was told they Citibank can not help me. She said that I have to sit and wait until my phone number shows up in their database for verification. If I 've had this cell phone IN MY NAME for 6 years and it 's not yet in their database then it wo n't ever be. This is wholly unacceptable. I even offered to physically go into a Citibank branch with my driver 's license and the card for physical verification and this person who identified herself as a manager in the fraud department told me that was n't acceptable. That the ONLY way my identity could be verified was through a phone number that appeared in their verification database. This is the most ridiculous thing I 've ever heard. This whole experience has been beyond frustrating. This is the worst customer service experience I 've ever encountered. No one at at Citibank can seem to help me. They all come back to a phone number that must be in a certain database. So now my card is useless.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: As a result of the XXXX breach, I 've been trying for days to request my credit report from annualcreditreport.com online. Each time, I have received a message "... can not be fulfilled online at this time, based upon the data provided. '' Today 's message included more information : " To request your Free Annual Credit Report by phone, please call ( XXXX ) XXXX. '' The alternate solution was to request the information by mail. 

I did NOT want this private information delivered by mail because of frequent Post Office misdeliveries. So, I called the phone number provided and gave the exact information that I 'd given previously to get it online : Name, address, ss # and DOB. Given a choice of the three companies, I chose TransUnion. I assumed the next step would be for me to talk to a person and provide additional information to verify who I am. 

Instead, the auto-call abruptly ended with a message that my credit report would be mailed to my home in a few weeks! I am so upset that security is so lax with my personal information, and that I had no choice to opt out of them mailing it to me. I fully expected that whatever the glitch they detected in filing online would be resolved by the phone call and I would immediately receive the report by email. 

In addition to being one of those whose information was compromised according to XXXX, my detailed information is now being sent by snail mail, without the benefit of challenge questions. It 's irresponsible!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to Ditech XX/XX/2016 when XXXX XXXX XXXX became Ditech. I was notified XX/XX/2016 to start making payments to Ditech at their new address. XX/XX/XXXX 's payment had already been sent to XXXX and the check cashed. In XX/XX/XXXX I made all further payments to Ditech. In XX/XX/XXXX I called Ditech to see why I was being charged for Earthquake insurance as we do n't carry that in Texas. Up until this point all I had for a statement each month showed what I paid, there were no statement balances at all shown. I asked about balances and was told I was one month behind. I asked how that could be when I have made every payment each month on time and have my cancelled checks. " XXXX '' said he would look into it and get back to me. Next month I got statement saying I was behind, I called and was told I had n't made XX/XX/XXXX payment, said I did, made it to XXXX, the girl told me to call XXXX to get it straightened out. That 's when I found out DItech WAS XXXX. Called back-long story short, I have called 34 times since XX/XX/XXXX. I talk to someone different each time, no one knows anything, you have to explain again, and they always say, you are late-you must pay-threaten foreclosure. I have had these people lie and say they are managers, I get an extension number each time I call with a name, when you call back, no one knows who you are talking about. I have sent my supporting documents with copies of every months ' cancelled checks 3 times to XXXX different fax numbers they have given me and asked each time that they call and let me know the fax was received and everytime I hear nothing. Now they are saying I am 2 months behind but not one single person I have talked to can give me any idea how that is possible. I have a cancelled check for every month that shows deposited into their acct. I also am paying a huge amount each month to escrow, I have over 3 years worth of taxes and insurance in their acct but they ca n't pay my taxes or insurance on time and I still have n't seen my money back they paid out for earthquake insurance that I do n't have. I have already been down a similar path with XXXX XXXX XXXX. I thought there was supposed to be safe guards put in place that watched these mortgage companies to insure the public was n't getting completely XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: THIS IS GETTING TO BE RIDICULES I HAVE FILE COMPLAINTS AGAINST LVNV FUNDING LLC. I HAVE TOLD THEM THE AMOUNT I OWE THE COMPANY IS XXXX BUT THIS HAS GONE ON FOR OVER 2 YRS AND NO RESOLUTION PEOPLE HAVE BEEN THREATEN AND LFT VOICEMAIL OF PHONE NUMBERS WHO WAS NOT GIVEN. I HAVE SAID THIS TIME AND TIME AGAIN WHAT I OWE XXXX THEY WANT MORE AND FILE SEVERAL COMPLAINTS WITH THIS OFFICE AND FTC ETC. NOW I RECEIVED A LETTER FROM XXXX XXXX XXXX XXXX XXXX. IS ANYONE LISTENING TO PEOPLE WHEN THEY FILE THESE COMPLAINTS AND CONSUMERS ARE GETTING HARASSED. I HAVE TRIED TO WORK OUT THIS AMOUNT YOU HAVE OTHER CONSUMERS SAYING THE SAME THING ABOUT THIS COMPANY AND NOTHING IS DONE. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There is a legal item listed on my credit report that I paid and is listed as paid but I can not seem to get anyone to help me take care of it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Problem with fraud alerts or security freezes

Complaint: I 've been charged {$10.00} from XXXX, Equifax, and XXXX on XXXX XXXX XXXX to freeze access to extremely important personal identity information. I did not ever give them permission to collect, distribute, or sell this data. That data has now been leaked through no fault of my own, for reasons out of my control to the world at large. I have tried to contact the companies in question to obtain a waiver for these fees but they will not cooperate. 

They have taken my credit and identity information without my permission and they have lost it, but they refuse to take responsibility and still expect the people whom they have wronged to pay THEM to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Medical debt) with Credit Service Company, INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have contacted Credit Service company by phone and certified mail at the given address of XXXX. XXXX  XXXX XXXX XXXX, CO XXXX to have the debt validate with the actual contract that I have signed obligating me to this debt with no response and they continue to report me to XXXX the legal time limit for a company to respond is 30 days and they have exceeded that time

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 HAVE BEEN DEALING WITH A ACCOUNT FROM XXXX XXXX SERVICES THAT DOES NOT BELONG TO ME AND AND EXPERIAN THRU THERE DISPUTE HAS NOT CORRECTED THE ISUE IN OVER 4 MONTHS THIS DISPUTE STARTED IN XX/XX/2017 FROM XXXX INCORRECT REPORTING I HAVE PROVIDED ALL THE DOCUMENT NECESSARY TO BLOCK AND REMOVE THIS ACCOUNT ACCORDING TO THE FCRA AND EXPERIAN CONTINUES TO REPORT THIS XXXX ACCOUNT # XXXX ON MY CREDIT 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