milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Consumer Loan (Vehicle loan) with VW Credit (NY).
Issue: Managing the loan or lease

Complaint: I had a loan from VW Credit for a XXXX ( involved in the diesel cheating scandal ). They repurchased the car from me on XX/XX/2016 - and repaid my loan in full that day. ( Actually, the repayment was MORE than full, as it did not take into account the monthly payment I had made on XX/XX/XXXX ). On XX/XX/XXXX, XXXX auto-debited my checking account for another monthly payment - despite my loan having been paid in full the prior month. 

This has caused a cash-flow problem, as my NEW car is also set to auto-debit tomorrow - and I do n't have sufficient funds in the account to make the payment, now that XXXX has inappropriately debited my account. 

I 'm suspicious of why this debit took place - despite the loan being paid in full - on the heels of XXXX 's involvement in systematic fraud in their emissions cheating.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Debt collection (I do not know) with JH Portfolio Debt Equities, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have continously tried to contact this company to no avail, I very no knowledge of this debt and I would like it removed from my credit report. The credit bureau keeps responding verified but can not seem to show me how they verified this account belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: A flight was purchased on XXXX/XXXX/XXXX for a trip to XXXX XXXX, XXXX for XXXX XXXX, XXXX flying on XXXX XXXX purchased through JP Morgan Chase XXXX XXXX XXXX website with my Chase XXXX XXXX credit card for {$680.00}. The airline entered into a pilot strike one week before the flight. As a result of the pilot strike the flight was canceled, I purchased another flight from an alternative airline ( XXXX XXXX ) for the same dates through Chase benefits and requested a refund from Chase. I was forced to open a claim rather than recieve the funds from the canceled flight, they want paperwork from an airline that will not return my calls, I have told Chase time and time again they ( XXXX XXXX ) do not even pick up the phone. The flight was canceled in XXXX XXXX and it is now XXXX XXXX, I have yet to recieve any type of credit from JP Morgan Chase. Several individuals, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, as well as several others have received their refunds from their respective Credit Cards by submitting claims with their CC or by filing a claim with the CFPB. I keep getting the run around from Chase XXXX XXXX, their site specifically says that i am eligible for a refund as a result of the pilots strike, but they refuse to process my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I did transfer to XXXX LTC now worth over $ 180K from coinbase to my Ledger wallet, Coinbase time frame is 3 business days, today is the XX/XX/XXXX and trx still showing pending. I tried to contact their support 5 times but of course for scam company no one responds! I think this company does n't have the coins it claims to have on their platform, they use consumer money to make money then who knows if they file bankruptcy and XXXX the consumer in the XXXX! 
Case ID : XXXX Created : XX/XX/XXXX XXXX PSTTransfer ID : XXXX Sent to address : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Debt collection (Federal student loan) with Performant Financial Corporation (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Performant Financial Corp did an " Hard ' inquiry ( which decreased my fico credit score. Any Hard inquiries decreases your credit scores ) without telling and/or informing me that they were going to inquire about me on my credit report. I did not sign and/or give verbal authorization as well. When I called to ask for them to delete from my credit report, Performant Financial Corp will not. When asked to provide any documentation that I gave authorization to inquire, they will not provide it to me. Per FCRA I have a right to request for this inquiry to be removed from my credit report. Attached is a copy of my credit report XXXX page XXXX inquiry down Performant Financial Corp inquiry, XXXX page my rights. Please remove from my credit report. Thank you

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 08/29/2017 about Mortgage (Conventional home mortgage) with WYNDHAM CAPITAL MORTGAGE, INC. (FL).
Issue: Closing on a mortgage

Complaint: Wyndham Capital Mortgage presented me a refinance at 4.875 % interest with 0.887 % of Loan Amount Discount points with a 60 day lock on XX/XX/XXXX. 
The closing took place on XX/XX/XXXX and they charged me 1.012 % of Loan Amount Discount point plus a Borrower Paid Lock Ext of {$220.00}. 
I was totally unaware of this increase on discount point and this Lock Ext until two days prior to the closing ; therefore, I did n't have time to fight this. 
I decided to close anyways and file a complaint. I let them know that I was going to file a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Managing the loan or lease

Complaint: I have been receiving an inordinate amount of collection calls which I believe to be unnecessary and harassment. Though I have never been more than XXXX weeks late on any payment ( most on time or within XXXX week ), have never been a payment behind and always call the company to let them know I am aware of the situation and on the day I pay either through mail or by phone, I begin to receive calls XXXX days after the due date and I receive them several times per day, at all hours. Though I specifically requested not to call on Sunday they do so and at XXXX XXXX XXXX! I understand the need for collection services and I understand a Borrower 's responsibility to pay, but all this must be done within reason. If I were three months behind or always late or never in communication I would understand. In my present situation and over the past months, both the frequency and timing of the collection calls is inordinate and abusive. Especially on a Sunday XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FLAGSTAR BANK, FSB (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I pulled my credit report and there was an account from Fagstar which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: XXXX has failed to validate the below debt and remove it from my credit report. 
In XXXX an Item with XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX University was placed on my credit. I immediately disputed the debt with XXXX as well as the credit agencies and It was removed from my credit report. I also contacted XXXX directly and told them I have never attended XXXX XXXX University. They stated that according to their records I was set to attend one class to start my XXXX and never paid. I told them verbally that I never attended XXXX and that I inquired about the degree but never signed any documents. They claimed they would look at it. I also sent them a certified letter requesting all of the documentation for the debt. They first replied back with an envelope and form letter with nothing else in it even though it stated they had attached information. To this, I called and wrote another letter. Then they replied back with an agreement that did not have my address on it with no signatures and initials on the document that looked nothing liked my signature. I wrote another letter and called again. This time I received no response. In XXXX XXXX placed the item back on my credit. 
1. This is not my debt.
2. They have no proof this is my debt 3. They have failed to contact me prior to placing this item on my credit. This is a violation of FCRA Section 809 ( b ).
4. They have failed to notify me per FCRA five days before replacing the item back on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Trouble during payment process

Complaint: Freedom Mortgage doesn't apply payments appropriately. This has been a recurring problem and I have reported to the CFPB before. We stay approximately 3 monthly ahead on our payments and we make each of the payments through the Lender's website. The lender's website will only allow full payments plus additional principal and additional escrow. They will not allow partial payment. We made the payment plus additional principal on XX/XX/XXXX which was due for XX/XX/XXXX . They did not apply our payment. The account summary shows it went all to principal, but the statement shows it is held in suspense. I called Freedom Mortgage on XX/XX/XXXX and was told by XXXX that it would be corrected. It has not and now the lender is blaming me. I was told I didn't make the full payment - I didn't pay enough. I paid through their website as always, which doesn't allow less than a minimum payment and I paid additional principal. Additionally the lender is trying to charge me a future interest rate. My interest rate is changing, and they are trying to charge me the new rate on payments I am making now. How can they charge future interest? We also have not received the ARM notice of a rate change. Is that not supposed to go out 60 days prior to a change? They claim they sent it on the XXXX, but there is no record of that online in the statements and documents section of their website. How can they charge me the new higher rate now? Why am I penalized for making my payments early and paying extra?

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 11-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion Credit REPORTINGXXXX-XXXX XXXX # XXXX Should be removed, older than 10 yearsXXXX # XXXX - Should be removed, older than 10 yearsXXXX XXXX XXXX # XXXX Should be taken out od Adverse accounts Paid in full XXXX/XXXX/2015. XXXXXXXX XXXX # XXXX- Should be removed, older than 10 yearsyears ... I have talked with this service on many occasions and beeninformed if they can not get the correct information to resolve an issue they usethe information they have whether it is correct or not. I do n't think this is aresopnsible way to run and affect someones elses life and credit. I think theFTC should should take mandatory reform and make sure the informationthere showing in their files that affect people 's live should be Actual-Factualand if it 's not. It should n't be there. I 'm very disenchanted with all creditreporting agencies and the disrupction they cause. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX # XXXX, Should be removed, older than 10 yearsI have talked with this Agency many times and their philosophy of how they interpet their information leaves something to be desired. The last person I spoke with told me when they check their information sources. The information they receive is published weather it 's correct or not. I do n't think this is advantages to the lives of consumers struggling to correct or repair their credit. I went round and round with this XXXX from Transunion and could not get an intelligent answer from him on how reliable their sources when refuting credible sources of information that now going to post on someones credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a complaint with Experian for allowing information to be reported to my credit after it was reported as fraud. I got an email from them that the documentation was n't acceptable or that they needed something additional. I have attached that snippet to this complaint. I submitted a valid/approved police report from my local state agency. They are asking for all of the pages. I submitted all of the pages. It was only one page. It has the officers name that approved it, with the date, time, and the state agency that approved it. There is nothing else that goes along with it. I called the agency and they said that there is nothing else that the bureaus should need. They did advise me that I have the right to file a small claims lawsuit against them if they continue to give me any issues. I will be doing so this week if I get another email stating that what I have sent over is n't acceptable which is letting me know that the cfpb, experian is all working together. I am also waiting to see what the outcome will be in regards to my complaint with the ftc. All I want is for them to remove the XXXX XXXX XXXX that was just reported, which should n't have been because it was just removed and XXXX XXXX XXXX needs to be removed as well as I have been stating for the past couple of weeks. I am beginning to think that they are refusing to remove the information and if that is the case I will be taking further action. I look forward to this being resolved. 

XXXX also allowed an item to be reported to my report as Fraud and that was XXXX XXXX XXXX. It was reported on XX/XX/XXXX. That needs to be removed as well as it was fraud. I have sent them over a fax with the same information along with my police report and I have n't gotten a response.

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 12-12-2016 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for and received a reverse mortgage from American Advisors Group in early 2016. My application was handled through XXXX I received the attached Good Faith Estimate around XXXX which shows an up front payment of {$4400.00} MIP ( mortgage insurance premium ) to be taken off the top of my loan to secure the property against devaluation which was supposed to be covered by the government. I was told my agent XXXX XXXX that this was required as a one time only fee against loss. Yet, on every current statement that I receive from XXXX I am being charged ad additional {$92.00} plus every month for MIP ( mortgage insurance premium. I think that it is extremely deceptive to label MIP in the initial disclosure and then add an additional MIP to the existing mortgage. The use of the same abbreviation MIP for XXXX charges is misleading and not disclosed properly to the consumer. I attended XXXX one hour required counseling sessions on Reverse Mortgages and the XXXX ongoing MIP was never detailed. These abbreviations are misleading. I am attaching the original Good Faith Estimate and my current bill as documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Seturus has never sent me any loan servicing documents concerning a home loan they are reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Settlement process and costs

Complaint: My husband and I refinanced our home with Chase Mortgage in XX/XX/XXXX. We were told after we signed the first refinancing that the paperwork was inaccurate and we would need to resign a second set. We are now selling our home and have been told by the underwriter and have copies of XXXX security deeds on our home issued by Chase Bank. Each was issued for the XXXX refinancing sets of paperwork. I have gone to a Chase Branch on two separate occasions XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and on both occasions have worked with bank customer service reps and those they have reached within Chase Mortgage and their legal department to fax these documents with a formal request that the first security deed dated XXXX/XXXX/XXXX be released. Chase Bank agrees that this should have been voided at the time of the XXXX issuance of the security deed of XXXX/XXXX/XXXX. On both XXXX and XXXX I was assured by as Chase employee that a release letter would be sent to me and faxed to my closing attorney forthwith. This has not occurred. I am returning to a Chase Branch tomorrow. My expectations are not high.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 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: To whom this may concern, I am writing this complaint because Experian has not responded to my direct requests for support and I am unable to resolve outstanding issues on my credit report. Specifically, the outstanding issues are : 1. ) Experian maintains two known to be false living addresses for me. Including an invalid XXXX XXXX and incomplete address in XXXX. Both of these addresses should be removed because I have never used these addresses. ( Although I have previously requested Experian take such action, Experian has not responded to my requests, nor does it appear as though an investigation was even started. ) 2. ) Experian maintains an unrecognized account labeled as " XXXX XXXX XXXX '', yet this account appears to be the result of identity theft and should be removed. I have previously disputed this information with Experian but did not receive a response. This record should be investigated and removed. 3. ) I am unable to access Experian online or access financial services because Experian maintains the incorrect addresses on my file. This makes it impossible for me to answer address verification questions such as " Have you lived at your current address longer than two years? ". This makes it especially difficult to access any financial service because the two invalid addresses on my credit report do not match addresses on my identification or the true address that I have lived at. It also makes it impossible to dispute items online or upload information here : https : //www.experian.com/consumer/upload/

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 02/18/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I obtained credit through Amazon.com. I am uncertain of the credit limit but I believe it was at least {$600.00} with free membership in prime Amazon. Shortly after, I received a " credit card '' from Syncrony Bank in XXXX, Florida. My limit had been lowered to {$300.00} without any explanation and the membership in prime XXXX was cancelled. I could not access my account online except to see my balance via email and the due date. I began having issues with items delivered in the fall ; credits to my account were not issued free delivery was not honored. I was late with my payments in XXXX and XXXX. My limit was lowered again but I was not notified until after the fact. It was then that I was able to obtain copies of a year 's worth of statements. I noticed that they were charging a " security fee '' - a fee that is not disclosed anywhere in the statement document ; they are also charging a late fee of {$50.00} - under Florida law they can not charge in excess of 5 % of the balance which was {$50.00}. I had paid an excessive late fee once in the spring and I object to the undisclosed " security fee. '' The current balance reflected on the account is over {$150.00} - 100 % late fee on top of late fee and the security fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/22/2017 about Debt collection (Medical debt) with WELLMONT HEALTH SYSTEM (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: MCOT debt collecting agency XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Tel XXXX XXXX ] XXXX XXXX, Attorney XXXX XXXX XXXX, Violating FDCPA, [ Fair  Debt Collection Practices Act ] A Scavenger Debt Collector, illegally buying up old debt, Out Of Statue, and collecting over and over again, .I was first garnished for a hospital bill from XXXX, In XXXX they took, {$2900.00} from my paycheck and then stopped the garnishment before it was paid in full, This left me thinking it was paid, so they could come back 11 years later to add all these bogus charges, Interrest {$1300.00}, Judgement costs {$50.00}, Attorney fees {$200.00} and then another bogus {$660.00} for garnishment Costs and do this over and over to the citizens, Way out of the 6year Statue Of Limitations, It is an illegal act and can be sued in Federal Court for " MaliciousProsecution, '' Which im in the process of doing, Also turn in the attorney to  the Tenn State Barr Association , Attorney General complaint, In XXXX and XXXX. We have a law which protects us from being sued out of the STATUE OF LIMITATIONS.In this case, XXXX bill being garnishe for the second time in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo excess charged my account for attorney fees. These are a couple. They need to go through all the EXCESS charges to my account and take them off. I have submitted some from other years and these are a couple of the more recent ones. Also the $ XXXX/mo in MIP charges too.

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