milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-08-2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: check into cash has repossessed my car for a title loan with out do process. 
They Never notifying me that repossession was going to take place, Never giving me a chance to cure the default. I also keep in contact with the company notifying them of a hardship. I was told my dept would go to collections, not one thing about repo my car. They also are lying about sending fair notice of how to clean default. My car is worth more then I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit card () with DISCOVER BANK (TX).
Issue: Credit card protection / Debt protection

Complaint: I received communication from Discover Card that they had removed or discontinued some sort of consumer protection service from my account that I had no idea had been activated. When I researched the issue, they had been charging me for more than 50 months for something I knew nothing about. When I called to have them remove the charges from the card, they said they would only remove 6 months worth. I asked them to produce some form of documentation showing where I had signed up for the service and they could not. I would like those fees refunded.

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. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution to any current or future identity theft and investigation into the delay in notifying the public.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I will be looking for any other outlets I can report this company with. Normally, I do n't even bother writing reviews, but the service of this company is so poor that I felt obliged to. Like others, in the beginning I had received the 2 months past due warning without ever receiving information on how or where to pay, or even getting a first notice. But by far the worst part is the atrocious website they have. I am going to attempt to contact any of their managers and challenge them to take a person off the street and have them navigate the payment info on their site. Let me clearly state the flaws ; problems that any respectable company would fix immediately : 1 ) There are issues setting up recurring payments, where is does n't accept the pay date.
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2 ) If you set up a recurring payment, good luck trying to figure out how to cancel it. I had to call the representative on the phone to cancel my payment so that I could use a different bank account. And even then they made me go back to the website to fill out the new info, which was still not accepted.
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3 ) Ca n't find any billing information besides how much I have paid each month. I am an engineer, and I ca n't find my billing information on this website. Why on Earth would you not give people info like which bank they are paying from, or billing address, or anything.
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4 ) Since you ca n't see which recurring payments you have, it is possible and very easy to accidentally set up multiple recurring payments. I have been double charged because of this in the past.
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May XXXX help you if you are like the rest of us and have to deal with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I RECEIVED A NOTICE IN THE MAIL ON XX/XX/2016 OF AN ATTEMPT TO COLLECT A DEBT FROM A COMPANY CONVERGENT OUTSOURCING. I SENT THEM A LETTER ON XX/XX/2016 ASKING THEM TO VALIDATE THE DEBT, AND TELLING THEM THAT THE STATUE OF LIMITATIONS ON THIS DEBT HAS EXPIRED. I KNOW THAT THEY RECEIVED THE LETTER BECAUSE I SENT IT CERTIFIED AND I GOT THE RETURN SLIP. THE COMPANY DIDNT RESPOND TO MY LETTER AND THEY STILL PUT IT ON MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have a fraudulent hard inquiry on my Transunion credit report from XXXX XXXX XXXX. I have had no dealings with this company nor did I authorize any credit inquiries on my behalf.

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 11-06-2015 about Debt collection (Credit card) with Kirschenbaum & Phillips P.C (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The collection agencies of XXXX XXXX XXXX XXXX XXXX an affiliate of Kirschenbaum Phillips & Roach, PC,, are garnishing my paycheck for a second time for interest, they alleged, that was never factored into the original garnishment to satisfy a XXXX credit card. I provided proof from my work payroll department that all of the debt had been paid in full from the original garnishment collected from XXXX thru XXXX. They insisted that an interest of $ XXXX still due. In XXXX I received another notice that interest accumulating from XXXX/XXXX/15 would be applied to the account. I want this to desist and Kirschenbaum XXXX., to stop hounding me for interest due upon the interest, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Payday loan () with Rosebud Economic Development Corporation (MN).
Issue: Charged fees or interest I didn't expect

Complaint: Having some place called XXXX calling my work and I have never received anything in writing from them regarding this so called debt that I owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Other debt) with U.S. BANCORP (KY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: US Bank has stated in a letter addressed to me that i owe them {$270.00} from an account that has been closed for 3.5 years ago. This account was closed and all debt was paid for.

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 10/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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: My mortgage servicer, XXXX XXXX XXXX, XXXX, has been intentionally and constructively harming me by reporting maintaining that my loan is in a default status and has been late for seven months ( in addition to the late payments reported when XXXX came on as my servicer in XXXX XXXX and immediately put me into default, whilst in a long term forbearance agreement due to a Hurricane litigation case with my my homeowner 's ). All attached documentation represents a clear and necessary forbearance agreement. I entered into a forbearance agreement with my servicer, as I was legally defending them in Hurricane XXXX litigation with my homeowner 's insurer, XXXX, because XXXX was heavily blaming the servicer for the damages on my property. In exchange for forbearance, the servicer at the time, XXXX, promised forbearance and credit suppression UNTIL THE LITIGATION WAS COMPLETED. We settled with XXXX in XXXX XXXX. XXXX inherited this agreement and never honored it, contrastly, they intentionally created and maintained a default status for my loan by shifting amounts into the time period that our forbearance agreement ended XXXX XXXX XXXX XXXX for their own nefarious purposes. This is NOT accurate reporting. XXXX however, accurately came to the determination that my account is 0 days past due and is paid as agreed. 
In addition to the inaccuracies that exist on my payment history, XXXX is also misrepresenting the payment amount that is due, as well as the statement that we had entered into an agreement to pay less. Please produce this document. I have requested a copy of such an agreement and have yet to received anything of the sort. In fact, XXXX has refused for over a year now to even explain the charges, internal codes or abbreviations listed on the accounting on my loan that XXXX repeatedly sends to me XXXX after promising to due so ), so it is impossible for me to make a knowledgeable and comprehensive determination as to what values are good and which are valid ; Therefore, any amount listed and reported on any credit bureau as the true and correct balance is a completely untruthful number because my account is laden with fraudulent charges. These adjustments that are being completely refused and ignored by XXXX and their representatives.

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 07-12-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian has failed to correct information in my credit report pertaining to XXXX XXXX XXXX. I have submitted disputes in several occassions along with documents to that sustains my disputes with no avail.

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 03/19/2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I was co-executor of my father's estate. He owned property mortgaged through XXXX. I am not signed on the mortgage.
XXXX has been harrassing me with phone calls regarding the mortgage which is not delinquent. The home was left to my brother, XXXX.
I learned by reviewing my annual credit reports that this bank ran a credit report on me on XX/XX/2015. without my authorization.
When I returned their call from XXXX, they told me that they could not talk to me about the mortgage. I asked them if that is the case, why do they continue to call me everyday..
I asked the agent "XXXX" (Who gave "XXXX" her customer service ID) why would XXXX run a credit report on me and she said that "they could do that for collection of a debt."
I told her and others repeatedly that I am NOT obligated to them in any way. I have not signed any papers.
She said that XXXX was not going to remove my phone number until they got the information they wanted. I asked what was the information--again, she said that she could not divulge that because they are not authorized to talk to me!  I repeatedly ask them not to call me! This is ludicrous!
It is unlawful to run a credit bureau report without authorization.
The estate number for the XXXX County Probate court for my father,XXXX is XXXX. The property address that PNC has the mortgage is 3585 XXXX Ohio.. 
The mortgage account number is XXXX. XXXX Federal ID number is XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (LA).
Issue: Trouble during payment process

Complaint: After the flood  of   XXXX   2016 i n  Louisiana, W  ells Fargo  is refusing to release insurance money after completing 50 % inspection with a 65 % completion rating. They will only release funds to m y contractor who is responsible for labor only. I have submitted paid invoices showing credit card payment in the borrow 's name for cabinets and flooring. Still the mortgage company refuses to pay and says will only   release the funds after a 100 % inspection to borrow for the remaining amount that is over the general contractors estimate. This policy is not documented or explained but enforced internally in the mortgage company. This is a bad policy that harms the borrower who is with good faith upfront and transparent and  has complied with all request from the mortgage company. The mortgage company employee 's have three times submitted requests for funds to be released and somewhere in the management chain the request is d enied and borrower is not allowed to speak with the people that are making the decisions. Again this unwritten policy is harmful causing the borrow financial hardship.  I have paid out of pocket. 1 ) for flooring {$3700.00} 2 ) for cabinets {$14000.00}. I should have to wait months for 100 % completion to be made whole for the expenses that are paid out of pocket.

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 05/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with THE VALLE LAW FIRM, P.A. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt originated from a lease break on an apartment. The debt owed is {$2400.00} as per the lease agreement with XXXX, and also the previous debt collection law firm of XXXX. This new company, Valle law firm in XXXX, Fl sent me a letter today stating that I owe {$130000.00} to them on behalf of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 04-05-2017 about Mortgage (Home equity loan or line of credit) with Franklin Credit Management Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We had a second mortgage equity line with XXXX years and years ago. After XXXX folded and sold all of their mortgages we tried to find out who our new lender was with no success. We then went through a chapter XXXX bk that discharged in XX/XX/XXXX which listed XXXX as discharged. We kept our home and made all first trust deed payments on time but still never heard from any lender regarding the second. We had assumed this was because of the bk discharge. Five years later in XX/XX/XXXX Franklin Credit Management contacted us saying they intended to foreclose on our home. We have incurred thousands and thousands of dollars in legal fees, our credit has been negatively impacted and the title to our home is a mess. The major legal issue I have with Franklin is that we never received the service transferring notice that is supposed to be sent within 15 days of a mortgage being transferred to another servicing company. Had they complied with the Servicing Transfer Notice requirement ( or any of the other lenders in between XXXX and Franklin ) we would have been paying them and might have even been able to negotiate a loan modification. However, we were not notified. Franklin Credit Management was responsible to notify us within 15 days of receiving our loan for serving and they did not and it has cost us dearly. We have contacted them multiple times trying to negotiate a settlement or modification. They were rude, disrespectful and unreasonable to the point we had to hire an attorney. I truly believe this predatory servicing company is operating outside regulatory guidelines as it suits their purposes

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed XXXX ( XXXX ) accounts with XXXX XXXX on my credit report. The original creditor has considered the accounts to not valid. Experian has not provided me with any information to validate the investigation, and has told me that they will not investigate it again, nor do they have to provide me with any information about their investigation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ALTERNATIVE DISPUTE RESOLUTIONS (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a call from XXXX stating that they have a warrant for my arrest for a loan that I defaulted on back in 2013. The caller stated that in order to resolve this matter I can speak with the third party company and try to resolve the issue. I received the # XXXX and spoke with XXXX XXXX, at Alternative Dispute Resolution. She informed me that I owed {$1300.00} to XXXX XXXX XXXX XXXX and they want it in full. I informed them that I did not have that type of money to pay in full nor do I recall taking a loan out with this company. She then placed me on hold for 10 min. Returned to the phone to inform me that she can accept XXXX payments. I was then transferred to XXXX in payment processing. XXXX informed me that the only payment that would be accepted was XXXX and bank to bank transfer. the XXXX info that was given was XXXX XXXX XXXX XXXX, NY XXXX. Ref # XXXX my acct # was XXXX. This is the second call that I received from this company. I made the mistake of sending them {$750.00} via money gram before. This is why I am making everyone aware of this company. They refused to give me the company 's telephone number and stated that I can just see them in court.

Company response to consumer: Untimely response
Consumer complaint received 05/18/2015 about Consumer Loan (Vehicle loan) with Automobile Acceptance Corporation (MD).
Issue: Problems when you are unable to pay

Complaint: I paid on my car loan for XXXX years on time. I lost my job and I communicated that to the lender of my car loan. They were not willing to work with me so my car was repossessed. I was expected to pay the balance of the loan and not the missed payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Virtual currency (International money transfer) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Hi, on XXXX XXXX, I paid XXXX $ in XXXX to my provider. The day XXXX XXXX, the provider sent me back the money because we didnt coordinate the transaction. 
The TX XXXX when I paid to my provider XXXX : XXXX The TX when the provider XXXX me back the money : XXXX XXXX Then, I saw lot of confirmations in the transactions back, but in my wallet my money does not appeared. I wrote an email to coinbase, explanning the situation, I wrote the TX when I paid and TX when provider sent me back the money. 
Coinbase answered me this : " XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX : Hi XXXX XXXX Sorry but we do not support returning funds to a sending output : https : XXXX Sorry for the trouble and in the future please do not have funds sent back to the sending output, as you will not be able to recover any funds send to you that way. Please provide a payment address listed here : https : //coinbase.com/addresses You can navigate there by going to 'advance ' in the drop down found in the upper right of the page. 
Let us know if you have any other questions, and thanks for using XXXX. '' Following the link I read this new rule : https : XXXX " Returning XXXX to a Coinbase account successfully XXXX XXXX, 2016 Coinbase does not support bitcoin being returned to the output address. It 's important to understand how Coinbase handles transactions to ensure the XXXX reaches the account. Due to how Coinbase handles outgoing transactions, the funds will not reach the account if they are sent back to the output address that the funds originated from. 

It 's important to provide a sender with an address from the list of receiving addresses. All XXXX receiving addresses for a Coinbase account can be found on the following link : https : //www.coinbase.com/addresses To learn more on Coinbase transactions please refer to the following article : Why ca n't I see my transaction in the blockchain? '' I Answered the email from coinbase : " I want my mony back. I read your rules, and in next time I will talk with my providers that return my payment to my personal address. But this time I want my money back because is mine. If was a mistake of my provider, you know through the TX that money is not yours. Then, most honest and responsible from Coinbase, is to return the money to the client, in this case me. 
I do not think for about XXXX XXXX you are willing to lose a client in Coinbase. " I wish to make a complaint because I feel scammed, Coinbase knows that the money income to your account is that other people 's money, is mine, and they do not want to return to the original client money. 
I want to contribute to the legality of things, what is right, what is honest and what is responsible. 




https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I made a timely payment on my online banking on X/XX/17 to  XXXX for my life insurance policy. My bill pay set up apparently had an old address in the system which was no longer good. [ That was an oversight on my part. ] Since the address was old and the mail was no longer being forwarded to the new address, it was returned to my bank. Citibank NEVER notified me that the payment had a problem. I was not aware that this payment was returned to my bank for want of a better address until I received a letter from XXXX notifying me that my life insurance policy had lapsed. Now it is cancelled and they want me to re-apply. I do not think it should be acceptable in 2017 that a major banking institution would not be required to provide me with notification in writing that a payment I sent out was returned. This should be a requirement. Their answers was basically that they are sorry but because I did not have a box checked in my online banking that I wanted to have an email sent to me when this particular circumstance arose I was out of luck. Mind you, I had NOTHING checked one way or the other as I never utilized this set-up. They were free to contact me via mail, email, phone, etc. but did not and I have been harmed irreparably. I would like you to force them to institute proper policies and procedures for their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: I was never served for a lawsuit from this law firm. This judgment is a complete illegal attempt to collect a debt and my right to defend it were avoided.

Company response to consumer: Closed with explanation