milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/18/2018 about Vehicle loan or lease (Loan) with Westlake Services, LLC (IL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have an auto loan with Westlake Financial. This a loan that was transferred to Westlake from XXXX. At any rate, I felt forced to cut off any verbal communication with them in XXXX of 2017 to where I changed my cell phone number. My payments are due on the XXXX of each month and if the XXXX comes in with no payment yet they would robocall my phone 3+ times a day from several different phone numbers. One time I had even called to give them a double payment after being over 30 days late and was greeted by a very nasty agent threatening to take my car if it were even seen in a grocery store parking lot ... all the while calling them at the time to give them two payments and have the account up to date. I am rarely as much as 30 days late. 

I have been trying to make my payment online as I typically do. I 'm assuming they are mad they do n't have a phone number to robocall me at so they have made it so I can no longer make my payment online ; which I 've been doing since I changed my phone number. I click to make the payment, fill in everything and get a message telling me the payment date must be between the date I 've selected ( which is the current date ) and the previous day. If I drop down the calendar to try and make a different date selection the calendar is grayed out and not allowing me the ability to select any dates. I have screenshots of all of this. It occurs despite the total amount I put in as well. 

In the morning I will use someone else 's phone and block their number, so they do n't get robocalls, before calling Westlake to make the payment but can this be fixed? This is really unfair to those of us making honest attempts at paying our bills and being prohibited because we do n't want to call to end up getting harassed by the agent on the other end of the phone or having our numbers added to their robocall list.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Conn's, Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Conn 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to Conn 's. I 've sent Conn 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called XXXX XXXX. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. Conn 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and XXXX XXXX. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (LA).
Issue: Wrong amount charged or received

Complaint: Executed a deposit of XXXX Litecoin ( worth approximately {$3000.00} ) on XXXX XXXX, 2017 to GDAX exchange. While the transfer shows completed, the currency did not show up in my account. Have called and contacted support many times with no resolution in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Consumer Loan (Vehicle loan) with NCB MANAGEMENT SERVICES INC (PA).
Issue: Managing the loan or lease

Complaint: I XXXX XXXX receiv a threating letter from ncb management service.and threaing phone call s a bout a vehicle I do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (DE).
Issue: Money was not available when promised

Complaint: Western union is has been collecting money transfers but not making the funds available for pick up. They keep the money for weeks and then refund it back to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Money transfers (International money transfer) with KEYCORP (IN).
Issue: Fraud or scam

Complaint: In XXXX, 2016, I was contacted by XXXX and offered me to rent my time share weeks from my XXXX in XXXX. After they made a very attractive financial offer of {$70000.00} dollars, I accepted and signed a contract. In the contract, I agreed to pay in advance,. {$16000.00} for the usage/maintenance fees. After I called the XXXX to clarify about this advanced payment, I told them that I did n't have this money. They told me that if I did n't have the money I would sued for breech of contract. After feeling intimidated, I wired them {$8500.00}. They told me that I needed to send them the rest of the money or else I would be sued by their lawyers and I would have to pay a penalty of 10 % of the total amount offered for 18 weeks of rental of my time share that I originally agreed to rent. 
I recalled my wired money through my bank after I suspected fraud. After almost four weeks, I am not able to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: To whom it may concern. XXXX XXXX XXXX has continued to try and collect a debt that does not belong to me, and has failed to give me proper notice of this alleged debt. I have continued to contact FREDERICK J. HANNA & ASSOCIATES, PC. concerning their illegal debt collection practices. Now they have submitted a summons of continuing Garnishment. This is the second case and they dismissed the first case. I hereby request that you contact this law firm, that is collecting an illegal debt, on behalf of XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX, XXXX & gt ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Diversified Consultants, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Diversified Consultants is  reporting a debt from  XXXX  that we disputed for about a year. We are in the process of purchasing a home, and the record was drastically affecting my credit. We finally just paid the debt, because they said we could get the account removed with payment. Now they are saying they do not do payment for removal.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We recently got behind in our mortgage payments due to health reasons, We tired to work it out with DITECH, by sending them a payment..which 3 wks later they returned..Spoke to them on the phone they said they needed half amount due..so we sent XXXX OVER that amount..3 weeks later they returned that payment..tried speaking to the again, and they said SORRY going into foreclosure!! SCAM for sure..trying to get MORE monies out of us!! PLEASE HELP!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX, I filed a complaint against XXXX XXXX. I had settled a defaulted loan I had with the back in XXXX, but they had yet to update this account as resolved on my credit report yet. Today, I received a letter from XXXX XXXX, essentially stating that they have not updated my account yet, because I disputed it. Also, as of today, they are still reporting the account as unresolved on my credit report. 

For reference, I am attaching a copy of XXXX XXXX 's recent letter, and also a copy of my settlement and payment receipt from XXXX. 

First of all, XXXX XXXX 's claim that they can not report accurate information about my account because I disputed it is completely bogus. As is my right under the Fair Credit Reporting Act, I have the right to dispute anything that is inaccurate on my credit report. XXXX XXXX does not have to right to " punish me, '' simply because I wanted correct information reported. 

Also, they did n't even address the fact that they are still reporting incorrect information on my credit report, more than 3 month after-the-fact.

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 01-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A company called XXXX performed a credit inquiry in my credit report without my consent. I called Transunion and they told me there 's nothing they can do. I contacted XXXX and they told me they performed the credit inquiry because XXXX includes credit inquiries authorization in their hidden terms. I specifically asked them NOT TO PERFORM a hard inquiry. Now they all point fingers at each other and they do not want delete the inquiry from my credit.

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 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have disputed the accuracy of my bankruptcy account on all 3 credit bureaus. XXXX  has removed the public record from my file but Experian and XXXX keep saying that the information was verified as correct. The type of record is incorrect. I filed a Chapter XXXX in XX/XX/XXXX and as of XX/XX/XXXX the record should have been removed from my report. They keep reporting it as a chapter XXXX. I have sent letters and documentation showing this and they still haven't removed this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: I went on line and had my cash rewards sent to me by check. I was informed that it would take 10 to 14 days to receive it. I never got it. I called CITI and the person put a stop on the check and supposedly issued a second check and sent it off to me. After two weeks I never got that check either. Called in again and the person put a stop on that check as well and told me that I had a problem on receiving my mail. I told him my mailbox is locked shut and no one but myself is opening the mailbox and all my other mail is making the trip to my mailbox just fine. He then told me that he was going to restore my cash rewards to my account and that I should go online and have it transferred electronically to my bank account. He said it would take two days to post. After four days my cash rewards has NOT been restored. I 'm now convinced that CITI never sent the check in the first place and I 'm now getting the classic runaround.

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 01/24/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I have been trying to get involved with cryptocurrency, so I checked out a popular app called Coinbase. I wanted to just start off very slow so I put in XXXX XXXX and waited about a couple weeks and tried to withdraw it. They say it usually takes about 3-5 business days for it to go through but I have now been waiting since XX/XX/XXXX since it 's been " pending ''. It is now XX/XX/XXXX and the only email replies I get are from bots saying the same thing. I am getting zero help at all from this company and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: As a result of the Security Breach at Equifax Credit Reporting Agency, I signed up for their Trusted ID Premier Website to monitor my Credit Report in XX/XX/XXXX. OnXX/XX/XXXX, I received 2 letters from XXXX XXXX one dated XX/XX/XXXX requesting additional information on my account about a dispute that I sent to one of the credit bureaus & one on XX/XX/XXXX requesting the same information on my 2nd account with XXXX XXXX. These accounts are definitely mine & are in good standing with no missed or late payments. I did not send any dispute letters to any Credit Reporting Agency disputing anything with XXXX XXXX. Yet, on XX/XX/XXXX I received from Equifax Credit Reporting Agency a credit file datedXX/XX/XXXX stating that these 2 accounts were mine as a result of their investigation/re-investigation. They also placed a comment of disputed by consumer as a result of investigation/ re-investigation on my credit report. This is fraudulent activity being done by Equifax with my Credit Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Transunion refuses to comply with the FCRA and has not blocked the reporting of a fraudulently opened account. Both XXXX and XXXX have removed this account and have complied with FCRA 605B ( 15 U.S.C. 1681c-2 ). Transunion has ignored letters i have sent along with proof  of address and signatures showing that this account is not mine. The account reporting on my credit file by XXXX XXXX XXXX is a fraudulently opened account and as per the FCRA must be blocked from reporting on my file. I have included a copy of the correspondence sent to Transunion as well as the FTC Identity theft form as well.

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 08/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft, someone has used my information to obtain credit cards. Capital one & XXXX credit cards. I 've been trying to dispute these litigations under me and have come to no prevail. Therefore here I am complaining on this board trying to get some justice. This is ruining my life emotionally and financially, credit means everything in this day and age and due to this heavy issue that I 'm confronted with I have horrendous credit. Simultaneously the collection phone calls have left me sleepless at night when in fact this is truly and genuinely not my cards. I hope this board can help me with my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MN).
Issue: Loan modification,collection,foreclosure

Complaint: My wife and I have been separated since XX/XX/XXXX. I was waiting for her to be medicare eligible before filing for divorce. we entered into mediation counseling in XX/XX/XXXX and the mediator suggested that we each file bankruptcy in order to deal with our debt.. And of course once she filed, the debt cascaded to me and I was forced to do the same and since I was forced into retirement XXXX and found a job at XXXX my previous income I was unable to stay out of bankruptcy. She then decided to abandon our jointly owned Townhome that she was living in ( not the original plan she was going to continue to live there ), she stopped payments in XXXX XXXX and then notified the bank accordingly but continued to live there for sometime. Even after she moved to a different living space, she continued to pay heat in order to protect the home from freezing and then she notified the bank when she could not longer afford to pay the bill. We continued to receive statements from Nationstar Mortgage ( Originally XXXX ) Loan Number XXXX stating that we now owed ( {$29000.00} ) as of XX/XX/XXXX plus the Condo fees of around {$7500.00} in arrears. The outstanding balance is {$84000.00}. 
In XXXX XXXX I learned that we were the owners of a '' Zombie '' home. This prompted me to re-enter the home to check its condition since we were still responsible for the property. We learned that front door lock was broken off and replaced, when a key was available for the price of a phone call. The Bank had assigned a care taking company which was supposed to turnoff the water. However they were inept and the building suffered XXXX major water leaks which I found when I reentered. 
I then found renters for the price of the Maintenance Fees plus utilities but naturally before they could move in I had to fix the leaks, rip out and repair the garage ceiling ( to get at the broken pipes and replace the locks, thankfully I had the skills to do so. This included cutting out the damaged split copper pipe and soldering in new sections. It required XXXX of us us working over 40 hours to make the place livable.. A significant portion of the garage ceiling needed to be removed, the leaks fixed and the ceiling replaced. The Townhome is finally scheduled for a Sheriffs sale on XXXX/XXXX/XXXX. The home has been cared for and given back to the bank in much better condition than they themselves allowed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt continues to show up on my Equifax report as open status. However it is noted that it 's been discharged in bankruptcy since 2011. It is affect my credit score and should not be there.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (MI).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The week of XX/XX/XXXX XXXX XXXX called my work and I told them that this is my work and I was not allowed personal phone calls. The caller keep trying to talk and I told him again that this is my work I am not allowed personal phone calls and again he still tried to keep talking so I hung up. Today XX/XX/XXXX they called again at my work and I told them they called last week and I told them not to call this number it was my work and I am not allowed to receive personal phone calls. She the caller keep talking and I told her not to call this number it was my work and she said she could call this number and I told her it was against the law and she told me it was not against the law and she can call it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Problems caused by my funds being low

Complaint: I have an account at XXXX XXXX and XXXX XXXX XXXX. My direct deposit goes in on Friday with XXXX XXXX AND XXXX XXXX XXXX on Friday therefore, on Saturday XXXX XXXX and XXXX money is in my account. But, Suntrust posts my money on Monday. There are people on my job who banks with Suntrust their money is availbale on Saturday to with draw out of their accounts. It looks as if the deliverably post my money on Monday to create fees. When made the direct deposit at the beginning of the account it was in there on Saturday. Now, they manipulate my deposits in the past 5 years to charge me fees. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Why is my money not deposit like my collegues at work. We all get paid at the same time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Credence Resource Management is reporting a {$490.00} XXXX debt collection on my credit file that I have reported was a result of identity theft. I have sent police report to credit bureaus. The debt was deleted from my credit file and now it is re-inserted on my credit. I want full validity and proof of debt belonging to me. I want this matter investigated.

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