milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Consumer Loan (Vehicle loan) with CIG FINANCIAL LLC (CA).
Issue: Managing the loan or lease

Complaint: CIG financial is reporting inaccurate information to the XXXX credit bureaus. I have contacted XXXX multiple times and provided banking information showing how I was never 30 days late. The documentation that they showed me even shows that I was not late. They refuse to respond. I have disputed that information with all XXXX bureaus. XXXX is just taking their word and can not show evidence of me being late.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2015 about Mortgage (Home equity loan or line of credit) with WEBSTER BANK, NATIONAL ASSOCIATION (NY).
Issue: Settlement process and costs

Complaint: I XXXX XXXX applied for a mortgage on or about the year of XX/XX/XXXX. I applied for a mortgage amount approximately of {$100000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so Webster bank who originated this no income check subprime mortgage could verify I can afford it. Webster bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Webster Bank loan # XXXX on my Owner Occupied Property : XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Webster Bank NA are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Auto) with Municipal Collections Services, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Insufficient effort was made to notify me of my debt. As a result, I did not receive notice of my right to dispute the debt, which is required by law. The first communication I received regarding the debt was a notice of license suspension received from a tenant at a very old address who tracked me down ( apparently they are better at skip-tracing than MCSI ). 

The phone number that was used to attempt to contact has not belonged to me for over a decade. No further attempts, that I am aware of, were made. 

When I called to request this information be forwarded to my correct address withing five business days, my request was refused. 

Please see the attached document for a record of the notification ( Dated XXXX/XXXX/16 ) mailed to outdated address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Checking or savings account (Checking account) with PNC Bank N.A. (DE).
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint: I am a XXXX veteran who depends on his XXXX payments to live. In XX/XX/XXXX, I took a part time XXXX position with XXXX XXXX, XXXX PA. to make extra money as I was falling behind in some of my bills. My instructions from the company were specific, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Due to me being a XXXX XXXX XXXX veteran, this was a job I could handle. I started processing these money orders on XXXX XXXX and on XX/XX/XXXX was appraised by PNC Bank, XXXX PA. that the {$9900.00} in money orders that I had processed were fraudulent, according to the Postal Inspectors office. I was then told that I was being held responsible for the banks loss. I asked how I could be responsible when their trained tellers processed the money orders and said they were good. I was told the bank has to recoup its loss somehow. I immediately filed a police report with DE. State Police ( XXXX XXXX ) where I was identified as the victim. Repeated complaints to PNC at all echelons have led to no results. Their final decision made on XX/XX/XXXX was the same as I had received earlier, the bank has to recoup its funds somehow. On XX/XX/XXXX I contacted the FDIC at XXXX, talked with a representative who said that for cases like mine involving fraud/money laundering, that is why each bank account is insured for {$100000.00}. I ask you give this complaint your upmost attention, PNC Bank confiscated my VA XXXX Check on XX/XX/XXXX for {$3000.00} and my XXXX check on XX/XX/XXXX. I have no money to buy food, gas, and my telephone has been cut off. I can not go to bi-weekly treatments for part of my condition and my food supply is bad shape. Due to these events my health is dwindling and there are many factors that make this situation critical.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After not being able to get free credit report because the sight was down I was able to get my report by paying for it. Experian is making it very difficult to get report with out paying for it. I paid for a report because after XXXX dispute letters sent via certified mail they only responded 1 time and the accounts came back verified. They never reinvestigated or provided verification or method of verification despite several written and received requests. There are no account numbers on the report : The report has no number but it was pulled and printed XX/XX/XXXX These are wrong These accounts need to be deleted : XXXX XXXX XXXX accounts???? delete all of them XXXX XXXX XXXX accounts?? delete 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 12/30/2015 about Debt collection (Credit card) with Rausch, Sturm, Israel, Enerson & Hornik, LLP (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Hello, I really was not sure which drop down to select. I have been getting a notice of intent of garnishment from a law firm. The debt is from 2007 and I believe it may be a credit card debt but I am not sure and I not really sure of the cost as it is not listed on the letter that I continue to receive. I am a single father with some major health issues and have had to receive food support from time to to get by. Can this company continue to collect and send me these notice of garnishment from a 2007 case? When I look up the case on public court website it says the debt was paid in 2007 and XXXX is owed. I just dont get it. Can you help me resolve this issue. I have XXXX and things like this does not only put additional stress on me but causes symptoms to react. I really want to know if they can continue to collect on this 2007 case?? I have attached several documents for your review. I have a lot of medical debt and cant afford for my paycheck to be garnished. It would bring great hardship to me. This debt could be from my previous marriage, I am not sure but I do know it is very old. Please review the documents provided. Thank you for your help if you can provide some.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Despite the evidence I have provided concerning the violations of both Federal Law and Florida Statutes that have been committed in the handling of the debt assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- which extend to committing mail fraud in an effort to cover up said violations -- the XXXX primary credit reporting agencies persist in listing the debt as valid, insisting that they are under no obligation to do anything more than obtain a bill from the creditor and collection agency in question in order to validate the debt, thereby making themselves willfully complicit after the fact in both the violations and the mail fraud committed to cover it up in order to steal my {$300.00} deposit ( Florida Statute 83.39 ( a ) required the creditor to refund my deposit in order to continue making a claim on my deposit after submitting it to the credit reporting agencies prior to notifying me about it, which is why the creditor generated a fake Certified Mail notification more than two months afterward and then feloniously intercepted it with the help of the Carrier for the route -- who was obligated to forward my mail on a permanent basis as of X/XX/2016 -- in an effort to prevent me from finding out about it ).

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 01/14/2018 about Checking or savings account (Checking account) with PNC Bank N.A. (MD).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have had this checking account since XXXX. I always direct deposit enough money to pay the Home equity loan prior to it being due. In XX/XX/XXXX they charged me a random {$7.00} fee on XX/XX/XXXX. They then paid my loan payment to themselves and overdrew my account by {$5.00}. I only use this account for a discounted rate on the loan through them. They proceeded to charge me {$36.00} for the overfdraft and {$7.00} a day for being overdrawn. On XX/XX/XXXX they sent me an email that I did not see as I deleted it because I do n't use PNC for anything else. I did see the 2nd email they sent me XX/XX/XXXXand I called that day. They agreed to take off the overdraft and 1 day charge of {$7.00}. I explained to her that this was a pyramid scheme and I have never had a fee one time like this and she just said the system will only let me remove {$43.00} and there is no manager I can talk to. Her only explanation was it is a free checking account and I missed the cutoff for that cycle by 1 day and there was nothing left to say. It was transferred from my other account prior to the XXXX break/weekend. This is crazy and unfair but she refused to even let me speak to someone else about it. I have since spoken to other people that said PNC did similar things to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with Pacific Union Financial, LLC (IA).
Issue: Trouble during payment process

Complaint: I have my mortgage through Pacific Union Financial. 

My XXXX Escrow was incorrectly charged {$1800.00} to a different insurance company. 

After calling immediately, the supervisor said they would work to remove the charge by the end of XXXX. The end of XXXX arrived and my next mortgage payment was {$1000.00} instead of the expected {$740.00} ( perhaps slightly adjusted for taxes ). We called the consumer service line again and was told we had to wait for the refund to arrive before analysis could be run. This was the error, we should not have been responsible covering the {$1800.00} charge on our account. 

XX/XX/XXXX, I called again and they said they submitted the escrow for re-analysis. 

XX/XX/XXXX, I called again and they requested a new escrow analysis. 

XX/XX/XXXX, Insurance department supervisor for the insurance department stated that they had expedited the analysis requested the previous week, but I would still owe the {$1000.00} for my XXXX mortgage payment. 

XX/XX/XXXX, Insurance department supervisor informed me that the escrow department had denied the re-analysis request from earlier in XXXX, but did not specify the reason. I was unable to be connected to any escrow representative or have the mortgage payment adjusted for XXXX, even though this was Pacific Union Financial 's error on my account. They said the readjustment could take several weeks, by which time, I expect they may also over charge me for XXXX, which I can not afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: i created an account with coinbase in 2014, ive been a customer for many years. Funds in my old account have not been transfered to the new one i have waited for weeks and still can not get a reply or response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Good day! 
I was trying to get a approval to buy a house and I received this report on my Equifax credit bureaus that I was late on XXXX XXXX for 60 days in XX/XX/XXXXand XX/XX/XXXXmonth XX/XX/XXXX, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/XXXX andXX/XX/XXXX bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Equifax bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit card () with NAVY FEDERAL CREDIT UNION (GA).
Issue: Other

Complaint: Navy Federal continues to report the wrong payment history to XXXX and XXXX. I want a payment history on all accounts. They are reporting I last made a payment to all accounts in XXXX 2010. My records show last payment was XXXX 2010. 

Account numbers ( last XXXX account numbers missing ) : XXXX XXXX XXXX Please send payment history to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: On XXXX XXXX 2016 at XXXX i sent money to a XXXX to XXXX XXXX XXXX through western union money transfer. I did not receive notification that the money had been sent or received as is normal procedure.I inquired form the receiver if he had received the money he confirmed he had not after which i reverted to western union on phone number XXXX during which i was advised the money had not been collected and that i should advise the receiver to visit an agent to collect the money using the mtcn number. I informed the receiver according after he went to XXXX agents but could not collect the money because according to the agent there was no money available. After this i inquired from western union several time i was informed that the money had been collected the same day i had sent it which contradicted what i had been informed by the earlier western union agents. After this my complaint with western union have not been resolved and the whereabouts of the money has not is not known. This is why i am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I have  a Compass Bank Checking accou nt.     From  XXXX   XXXX  to  XXXX   XXXX  I was charged ATM fees totaling {$2200.00}.     The practice of charging excessive fees is unfair.     I continue to use this checking account and would  like Compass Bank  to adjust the balance based on waived fees.     I have paper copies of all monthly checking account statements, including all pages, reflecting the fees that were charged.     I have more than  XXXX  account w ith Compass B ank.

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 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I am a long-term card holder of American Express since XXXX, and I have never missed a payment or late with a payment. Sometime around the third week of XXXX I received a call from an AMEX Underwriter. The underwriter informed me that based on my credit report my account balance would be capped at XXXX. I was also informed that to use the card I would have to show proof of earnings. I responded that my wife and I file jointly and my earnings are confidential, proof of earnings was still requested. I explained that we were going on trip to XXXX XXXX where we have vacationed for the past 11 years. He stated that he would allow a XXXX} charge limit. I provided proof that the reason for negative credit report was and is based on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX which are listed and open with the CFPB. In fact, I have retained counsel to represent me in federal court against XXXX. This is also reported by an FBI investigation in which XXXX was found to have committed fraud, Identity Theft and Forgery of my signature. It is being determined whether the same attorney will represent me against XXXX XXXX XXXX. This proof provided to the Underwriter had no weight in decision making nor joint filing with my wife. I was not billed nor was I informed about the non-billing for the month of XXXX and a dispute was in place for XXXX XXXX for unauthorized charges of XXXX each month. I was then billed for XXXX} due on XXXX/XXXX/XXXX which was greater than anything based on balance. I complained to the XXXX XXXX and spoke to a XXXX XXXX XXXX, see attached. XXXX XXXX was professional and concerned but stuck to the Amex playbook. Based on my conversation with the Underwriter I strongly believed that I was being kicked out of Amex as a risk. I felt this with XXXX XXXX as well and believed that cancelling my card was what they were looking for. XXXX XXXX also stated that the information supplied on XXXX and XXXX XXXX XXXX was not sufficient for the Underwriter. In conversations with counsel, I was made aware that cancelling my card would affect me negatively. I believe that I have been subjected to Unfair and Deceptive practices. See attached support documentation, and statements. Kicked Out of Amex!

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2015 about Debt collection (I do not know) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been getting XXXX calls and voicemails per day from a debt collection company. I have told them that I am not the associated party and do n't know the associated party and to not contact me again. The calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: US bank XXXX XXXX 2017 I thought this was resolved I paid this balance off

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 10/28/2016 about Credit card () with NAVY FEDERAL CREDIT UNION (CA).
Issue: Balance transfer fee

Complaint: So a few months ago, I had all my major banking done with XXXX XXXX. This included a checking account, XXXX savings, and a credit card. About a year ago, I opened an account with Navy Federal, the bank that I now use for all my banking needs. First, I only had a checkings and savings account with them. After I inquired about what interest rate Navy Federal could give me on a credit card, I was told I had an offer for a credit card with only 11 % APR, rewards, but most importantly, 0 % Interest on Balance Transfers for 15 months. I jumped on the promotion due to the fact that I had an almost {$1000.00} balance on my XXXX credit card. Now my complaint stems from the fact that after I completed my balance transfer a month and a half after getting my Navy federal credit card, I noticed a {$7.00} interest fee from the balance transfer. I called NFCU and I was told it was a mistake and that they did see my account has the offer for the 0 % interest on balance transfers for 15 months. They said it would take a week or two to fix and they apologized. At this point, I thought I fixed the problem ; however, I never got a refund and then I got another almost {$7.00} fee again this month for the same thing. Today, I went into a branch location to get my rent check and Then I sat with a banker to try to fix this problem for the second time. The banker called some number that told her there was a note from back office regarding my first interest fee of {$7.00}. The back office said I had a 10 day activation period listed in my disclosure form, and because I did n't do the balance transfer within those 10 days, the promotion no longer applied to me. 
This is ridiculous. I opened the credit card inside of a branch because of the promotion. The teller who assisted me SHOULD HAVE informed me that I needed to do the balance transfer immediately to avoid interest fees. Now, I 'm stuck with not just regret, but anger that a credit union is n't requiring their employees to disclose this information. Not only that, now I 'm stuck paying interest for something I could have avoided altogether. I called Navy Federal after leaving the branch today, spoke to a supervisor in the credit card department, and was basically given XXXX options. Do I want them to have the branch supervisor or manager talk to their employee, which I know definitely needs to happen, and/or do I want a new credit card without rewards that might give me a slightly better interest rate. There needs to be a third option : Have the branch manager speak to their employee about the importance of disclosing this information AND have the back office re-activate my 0 % interest for 15 months. I never thought I would say this about a credit union, let alone Navy Federal, but I feel deceived, cheated, and I definitely do not feel like a valued shareholder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation