milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2015 about Credit card () with DISCOVER BANK (IL).
Issue: Customer service / Customer relations

Complaint: In effort to pay off a credit card debit with Discover, my wife and I have encountered several unnecessary frustrations and complications with Discover. We had over paid the account and wanted to be refunded that amount. This course of action has taken two months to occur. I wanted the money deposited into my wife 's checking account, which they reported was fine, but then later reported that they were not able to comply with that request. Over time, the refund was permitted, we initially requested the amount to be transferred back and it was agreed that the money would be transferred to an account on file, which was not an account belonging to my household. Discover was not aware of the account that they were refunding the account to and provided little information in its resolution. After constant delays I had requested that a check be sent via mail. Discover reported that this was fine. After calling them again, I was informed, without my constant, that they will be sending the funds through a third party, which would deposit the money back on to the initial funding resource. This is not what was requested and it ultimately wastes money, time and effort. Once deposit back to the account in which it came from, I can not use that money to pay off other debit that the money was intended for. When I asked the supervisor to contact the banking division of the company to have this corrected, I was told that they are unable to contact them by phone and had to be e-mail. Once Discover returned my phone call, they reported that the initial request was made and that the funds were transferred back to the account, despite the number of phone calls that were made between Discover XXXX with different individuals ) and myself through the course of several weeks. As of right now, it was told to me that mailing a check was never truly an option and this decision was made on the XXXX of XXXX. No one confirmed and this was told to me after talking to XXXX customer service supervisors and a loan specialist. However, the interest charged on my other account continued to grow while waiting for Discover to make a decision, communicate that decision, and execute that decision. If this statement was made initially, I would have been frustrated, but this issue has now surpassed customer neglect/abuse or at the very least, extreme poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Payday loan debt) with Prosper Marketplace, Inc. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I got a loan from a company called prosper. I got approved on line for the amount of {$10000.00} they charge me {$500.00} fee for the application fee they send the money in 5 days. I had to make a payment of {$430.00} for the next 36 months. I realize they are charging me over 30 % to 35 % in interest so I sign up with debt consolidation name XXXX XXXX XXXX XXXX hoping they can negotiate on my behalf prosper refuse to bring my rate down and they said they dont work with debt consolidation company and I have no choice but to pay the % 35 rate. They have also ruin my credit report and put on delinquent account. They never send a monthly statement I didnt know how much interest they were charging I was under impression that it was 11.99 percent. I am trying to find out what is the maximum interest they can charge me. I know the state of Maryland is 29.99 % the company address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My account number with them is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
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 disputed a state tax lien with TransUnion on XX/XX/XXXX. I received notification on XX/XX/XXXX they were doing a manual review. The same day, I received another notification results were ready. The report stated the lien had been verified and updated. The court documents related to this are attached. As you can see, they do not meet the requirements under the National Consumer Assistance Plan ( NCAP ). There is no complete social security number nor a date of birth included in the filings. This lien should have been removed from my credit report, per NCAP rules.

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 07/19/2016 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NC).
Issue: Settlement process and costs

Complaint: We are still without complete information concerning the loan agreement that SLS sent to us. 
We have two ( 2 ) Requests : 1 ) Provide the name and " ADDRESS '' of the custodian holding the original loan documents. 
2 ) We need to view the original agreement in person. We are requesting a date and convenient location to view these first hand. A date in XXXX or 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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Southwest Credit Systems, L.P. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I called XXXX and let them know I have never had their services. XXXX is asking me to verify my address for the time the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (NC).
Issue: Taking out the loan or lease

Complaint: At the inception of my loan, I had great credit ( XXXX or so ). I got the loan from the dealership I went to ( XXXX ), I was not informed of any specific details ( such as loan APR, only length ) when purchasing the car and putting the down payment down. After I did all of that, I was stuck with a super high interest rate ( 18.10 % ). 

I was also required by XXXX to get " extra protection '' which was a service contract, that I did n't need or want, but I was told I must have in order to get the car. An extra {$1800.00} to the loan. 

Now I can not continue to afford this car loan, the interest rate is at an astronomical 18.19 %. I need it to be lowered to 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with U.S. BANCORP (WI).
Issue: Charged fees or interest you didn't expect

Complaint: in the mail i received checks for a loan to just write out yourself. there was a 3 % fee the 0 interest for 18 months. i called the company and asked them how it would work because i charge XXXX to XXXX every month and pay it off to avoid interest and i was told that as long as i pay off my total charges plus make the minimum payment i would have no charges. the first month I had a interest charge even though i paid my charges in full plus an extra {$200.00} on the no interest loan. I called and was told it use to be that way but now they apply the whole amount to the 0 interest. well that means you don't get a 0 % loan because they never pay off your high interest card and charge interest on that. now i received the second months statement with interest again. so instead of paying the 3 % to get a 0 % loan we paid 3 % on {$3000.00} and now have to 23 % on the credit card balance because they only apply it to the loan not the card you are trying to pay. so i paid 3 % so they can charge 23 % plus what i had to pay them for the loan

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2015 about Debt collection (Non-federal student loan) with SLM CORPORATION (KS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Keep calling and they have been told that I am the co-signer and can not pay this loan repeated times and that they need to quit calling and that I am an XXXX year old man living on Social Security. It is affecting my health. Just keep calling and harassing me and telling me that they are going to file a law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (TX).
Issue: Taking out the loan or lease

Complaint: I went to a dealership in XXXX Texas and bought a new F 250 I was approved for Ford Motor Credit if 5.45 interest rate after I signed legal documents and I left the finance manager printed out new copies and send them to Ford Motor Credit with my signature that she forged@5.99. this all took place on XXXX XXXX of 2015 the dealer admitted to fault my first payment was due on XXXX XXXX I file a complaint with Ford Motor Credit on XXXX XXXX of 2015 I was told that it would not go on my credit as long as the company was at fault the company was at fault speaking about the dealer. I file a complaint with Ford Motor Credit fraud department and was told that it would not hit my credit and it did it took over XXXX points off of my XXXX XXXX off of XXXX because they had reported it as 60 days late in the state of Texas my up. ed that if the contract they had was fraud then the contract was invalid I did not have to make a payment all of this has come out to be true the Ford Motor Credit did removing off of my credit but they have not gotten in touch with the bureaus to get my score back up. I have filed it on the XXXX & with the DMV of the state of Texas to investigate the dealer for the fraudulent ways. there is an ongoing police investigation with XXXX XXXX Police Department CID. I feel that the dealer has done this to other people and the bank is not doing anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Debt collection (Medical debt) with Choice Recovery, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I checked my credit report and a company called Choice Recovery , Inc was on my report. It stated account placed for collection opened XX/XX/XXXX in the amount of {$1000.00}. The credit bureaus showed the name of this company and the address. I disputed this with XXXX and XXXX, and both marked it as a valid debt. On XX/XX/XXXX I sent a certified letter to Choice Recovery, inc. asking for proof of what they are saying I owe them. I used the address that was listed on my credit report by both credit bureaus. I did not receive a response so I sent another certified letter to Choice Recovery , Inc. on XX/XX/XXXX. Today, XX/XX/XXXX I received my 1st certified letter back, which was dated XX/XX/XXXX, stating that it was not deliverable to this address. How can these credit bureaus report this as a valid debt when the address they are reporting is not a deliverable address? I'd like to file a complaint against XXXX, XXXX and Choice Recovery , Inc., as all three agencies have failed to provide any proof of this debt and have violated my consumer rights and have damaged my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: Greetings, Our loan service company for our 1st and a previous 2nd mortgage is Owcen. We filed a Chapter XXXX Bankruptcy in XXXX of XXXX. The past due amount on our 1st mortgage ( about {$33000.00} ) and the full balance of our 2nd mortgage ( about {$72000.00} ) were included in the Chapter XXXX filing. Our attorney advised us that the 2nd mortgage balance would be " stripped '' once we were discharged from the plan since there was no equity that Ocwen could be paid making the 2nd mortgage unsecured. We were successfully discharged from the plan in XXXX. We were therefore not liable for paying the balance of the second mortgage. Ocwen sent us a form XXXX for the 2nd mortgage balance ( ( {$66000.00} ). The reason code they used was XXXX in box XXXX on the form which is their " identifiable event code ''. This seems to indicate that they just decided not to continue collection. There is a code " XXXX '' that they could use which denotes the cancellation of debt was due to a bankruptcy. I called their ombudsman office and they explained that they could not rescind the form. That 's ok with us but we feel that they should correct the form with code " XXXX '' in box XXXX of the form since the balance of the second mortgage was discharged due to bankruptcy. I prepared our taxes for XXXX and this form XXXX increased our taxes owed by {$27000.00}. We feel this is unfair since we successfully completed the plan and the IRS makes provisions via form XXXX for this circumstance. If Ocwen will make this minor modification to change the code in box XXXX of their XXXX to " XXXX '' and send us an corrected copy, then we should be fine. We really need some assistance to make sure that this is accurately reflected so we can file our taxes for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Debt collection (Medical) with Account Recovery Specialists, Inc. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX Hospital and many other hospitals in Kansas and probably elsewhere are ignoring the Obamacare Rules supposed to be enforced by IRS and in 501 ( r ) of the regulations. Only one provision of that section has any fine imposed. Many hospitals are ignoring the rest of the rules, and their cpa firms seem to be encouraging that practice. The debt in my case was sold to XXXX XXXX 's law firm in XXXX Kansas. This is all explained in a court motion I made in the collections case, and the Treasury article attached hereto. Also the law firm attempted to pad the judgment by approximately {$200.00}. The said I owed interest and etc amounting to over {$1000.00} and needed to pay that amount to avoid going to a hearing in aid of execution.. Later they could not substantiate that amount and were probably hoping I would n't notice. The could only account for less than {$900.00}. This also is explained in detail in the attached court motion.

Company response to consumer: Closed
Consumer complaint received 08/28/2017 about Debt collection (I do not know) with Ballybunion Enterprises, Inc (SC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Original agreement was with XXXX. I purchased a flight that should have been {$300.00}. The company stated the lowest base travel package for a one-way ticket from XXXX XXXX, TX to XXXX SC was {$640.00}. The amount financed through Military Credit Services , LLC was {$1200.00}. {$76.00} per pay period for 23 months. I paid 7 payments of {$87.00} and stopped paying XX/XX/XXXX. In XX/XX/XXXX received a call from collection agency and representative stated I needed to pay them a total of 5 payments of {$180.00} and a final payment of {$160.00} and the debt would be considered paid in full. 1st payment of {$180.00} was withdrawn from my bank account on XX/XX/XXXX with subsequent payments on the XXXX of every month. XX/XX/XXXX a full payment was withdrawn and I contacted first financial ( XXXX ) and spoke with a female and she stated where she seen I made the agreement and the payments and didnt understand why they took the complete payment again. She transferred me to XXXX at Military Credit Services and he stated he couldnt see what was going on so he contacted the original person that made the agreement and she stated now I have to pay the {$680.00} for the debt to be resolved after the other 6 payments already made and transferred me back to XXXX. I told him I wasnt going to pay this and he stated that he just needed a bank card so they wont close the account and put it in collections. I gave him my bank card and they were going to deduct the amount on XX/XX/XXXX. This gave me time to talk to my financial counselor at XXXX XXXX. I cancelled my bank card on XX/XX/XXXX and contacted CFPB XXXX XXXX referencing this account with Military Credit Services and filed this consumer complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My university fowarded this company my " debt '' for classes I was unable to attend and did not pay for. I have an appeal pending to resolve the issue. In the meantime, this collection agency has made frequent calls to my cell phone and is now calling family members who have no connection to this contested " debt ''. It is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a hard credit inquiry on my credit report that I never applied for. 
For : XXXX XXXX, 2017 Company CBNAXXXX National credit cards/ airlines CBNAXXXX XXXX, TN 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 01/26/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, I initiated an ACH in the amount of {$900.00} to coinbase. Today coinbase withdrew {$3000.00} from my account and attempted 12 ACH request leading to nearly {$500.00} in fees besides the lost money. I contacted coinbase, they can give me no satisfactory answer, say they can not see the transaction on their side and don't know when they can get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i received a collection notice from first national collection bureau inc and it is not my debt. 
1 it is not my debt i would like for FNCB to provide proof that it is my debt and Such as original document with my signature and or proof of any payments i made on this account such as voided check. 
2. this debt is FNCB claiming i owe is from 2007 and it is well out side of Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Wells Fargo Student Loan : I co-signed for my son 's student loan with Wells Fargo with an adjustable rate. We have been paying on time and even overpaying by a small amount. I wanted to consolidate the two loans to make it easier to pay, but they refused to consolidate even though I have a credit rating in the XXXX 's. I own my home and have over {$200000.00} in equity. They said in order to consolidate the two loans, it would be considered a new loan and my debt to income ratio was too high. I assured them I have an excellent repayment history and the only reason it was high is because of the loan I am currently paying to them. I told them if it had to be considered a new loan they could actually write the new loan check to themselves for the old two student loans to insure I was not going to spend it on anything else except the loan. They would not consolidate the loans. At this time I have repeatedly asked to see monthly statements with how much was paid, how much went to interest and what interest rate was currently being charged and to see a monthly balance. I was told they do n't do that. Are you kidding?!!! I have seen other people with this same problem and it does n't seem right.

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 01-10-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Our residential mortgage balance ( with no extra principal payments ) has reached the 78 % threshold as outlined in HPA. Bank of America is refusing to drop our PMI claiming that New York Law has a 75 % threshold. The HPA supercedes New York Law as far as I can tell.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: The letter below is what I sent to XXXX requesting that they remove the unauthorized inquires from my report. They sent me back a response that said " The inquires listed on your credit report are a record of the companies that obtained your credit information ... .Your written authorization may not be required to constitute permissible purpose. Please note that your specific consent to the release of your credit information is not necessary for a permissible purpose to exist '' Furthermore, my request was not addressed by XXXX. Please investigate to have these items removed. Thank you, To Whom It May Concern : I reviewed a copy of my credit report and there are several unauthorized credit inquiries on me. I have listed the items below : XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact the companies listed above and investigate such occurrences. I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. If you have any questions or need additional information, please contact me at address listed below. Thank you. Sincerely,

Company response to consumer: Closed with explanation