milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX XXXX, 2012 a charge of {$3600.00} was fraudulently posted to my new XXXX XXXX XXXX credit card # XXXX, by XXXX XXXX, without my agreement. Beginning when I received the statement, I immediately and continually disputed this charge with XXXX XXXX XXXX then with the credit reporting agencies. XXXX asked XXXX for proof that the charge was valid. XXXX provide no proof I had agreed to the charge and refused to reverse the charge. XXXX then refused to reverse the charge because XXXX XXXX refused to reverse the charge and reported it to the credit bureau as a valid charge that they had to write off after I refused to pay it. When I disputed this reporting to XXXX and the Credit bureau, they refused to reverse this negative on my otherwise perfect credit report. This has cause me damaged. 

Attached are documents supporting the above.

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 04/25/2017 about Student loan (Private student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Maryland  XXXX  Email :  XXXX  XXXX  XXXX   XXXX   XXXX  )  XXXX   XXXX   XXXX ,   XXXX    XXXX  : MEFA Application  XXXX  ; Account #  XXXX  Account #  XXXX  Account #  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX , MA  XXXX  Dear  XXXX   XXXX , My name is  XXXX   XXXX   XXXX . I am working on my   XXXX   XXXX   XXXX   at the University  XXXX    XXXX   and all I am trying to do is combine my  3 MEFA loans into one  to reduce my monthly payment.   The question I am trying to get answered is and it isnt disclosed as an underwriting criteria anywhere. Can the  3 l oans be combined into a variable rate to reduce my monthly payment? The   3 loans I want to consolidate are existing MEFA loans. I have been through the website and loan documentation disclosures 3 separate times and nowhere is it disclosed that the loans have to be in repayment for 12 months.
When I go back to the Loan Application and Solicitation Disclosure the eligibility criteria states and I quote Must be currently making payments on all student loan debt to be refinanced. It doesnt state it must be in repayment for one year  . As a matter of fact I had called Customer Service before I applied and was told that my loans had to be in repayment and current for at least 90 days.   Please also keep in mind, I have already paid one loan down by  XXXX , my loans are current, my  credit score  is good, I dont understand the delays.    XXXX   XXXX  has stated that I should withdraw my application. I do not wish to withdraw the application, and if  MEFA  is going to turn down the loan for this reason I have requested they put it in writing which I can then take and file a formal complaint with  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , The Massachusetts Office of the Inspector General,  State  and Federal Banking Regulators and the Department of Education for deceptive, misleading, and predatory lending practices.   The bottom line is I believe I am being discriminated against because I am a  XXXX  borrower and my guarantor is my  XXXX   XXXX   XXXX   XXXX  grandmother. The loan officer probably forgot to mention thats the real reason for jerking me around.     I am formally requesting an answer in writing to my loan application so I can escalate this issue accordingly. I thank you in advance for your update to my application.       Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX XXXX/Navient is reporting loans that are older that 7 years old and it is messing with my credit balances. When I dispute this information with them I do n't get anywhere. The statute of limitations in my state is being exceeded and I would like XXXX. XXXX XXXX/Navient to correct this issue and update my credit report for all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with NCC Business Services, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a collection account being reported by  XXXX  on behalf of  XXXX   XXXX  on all three of the major bureaus. This debt is not valid. Please see the attached.

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 11/17/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (OR).
Issue: Account opening, closing, or management

Complaint: Wells Fargo bank, without my permission punched my safety deposit box and removed my property. The bank management has ignored my request to return my property and have not offered any explanation why they took it in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (OH).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: Concerning signing up for ID Protection with Equifax. First they told me I could n't sign up until X/XX/2017. Then when I tried to sign up instead of being enrolled at that time they said I would receive an email in a few days with a web link where I would be able to finish my enrollment in ID Protection with their company ( XXXX XXXX ). It is now 11 days later and I still have not received that email with the web link. Can you help me with this problem. Somehow I do n't think I 'm the only one with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Mortgage (Conventional fixed mortgage) with TCF NATIONAL BANK (IL).
Issue: Settlement process and costs

Complaint: This complaint is regarding a mortgage loan I had with TCF Bank. Due to financial hardship, in XXXX of XX/XX/XXXX I received a loan modification refinance through TCF Bank. During the modification process, I was never informed of the charges of the refinance or what amounts/charges were included on the loan, even thought I asked. The day I signed the refinance modification documents, I was not given any explanation of the charges, only the interest rate and the mortgage monthly payment amount which I was happy with since it was going to be very low compared to what I was previously paying. There was only a few pages that I had to sign, very vague thought. 
Since I received my loan modification, I had been making timely monthly payments to TCF Bank, never receiving monthly statements from them or any other type of communication until my loan was sold to XXXX XXXX Servicing on XX/XX/XXXX. 
In XXXX, I received a mortgage statement from the new mortgage holder, XXXX XXXX XXXX stating that I owed {$2400.00} in late fees. Apparently TCF Bank had transferred this amount to them when they purchased the loan. I was in shock, very surprised when I saw such amount, why is this coming up now? - more than XXXX years had passed since I got the loan modification and nothing had been mentioned by TCF bank since then, I never received any notification charges from them, so why was this happening now. 
Late fees were accrued when I fell behind on my mortgage prior to obtaining my refinance, there should have not been any charges going forward as everything should have been included in the loan amount which according to the loan amount, those late fees were included and waived, at least that 's what I thought. 
I have been disputing these fees with XXXX XXXX XXXX and I have also contacted TCF Bank, my previous mortgage holder so they can fix the issue or mistake with XXXX but they have ignored my communication. 
I am at a loss and I do n't know what to do. I feel that I was deceived by TCF Bank, they were not honest and straightforward with the refinance and charges and they found an easy way out, sell the loan. 
Very disappointed and unhappy consumer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Fraud or scam

Complaint: Hello, I hope all is well. 

This complaint is in regards to Coinbase ( www.coinbase.com ). I initiated a sell/withdrawal on XX/XX/XXXX of 58.2 Litecoins, worth {$3000.00}. The reference code is XXXX. The transaction says " Completed, '' but no funds have been received in my account for what it is now over 2 weeks. I have contacted my bank twice to double check that no incoming wires or funds have been bounced or rejected. My bank has no record of an incoming transaction of that amount. I have been sending emails to the Coinbase support team for the last week with no response. I have tried contacting their support via XXXX - also with no response. 

Please let me know if you require any additional information from me - I am desperate to receive this money back into my account. 

Warm Regards

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I was a victim of the Equifax cyber attack that has affected 143 Million Americans. I do not know what information of mine is now public data. I have placed fraud alerts with all three credit bureaus however I have not frozen my accounts yet. I do not believe I should be paying to freeze my accounts to a company that has caused the breach in the first place. Ridiculously irresponsible, and scary for a XXXX year old woman who is working on establishing credit. 

My personal data has been compromised and I received no notice from Equifax before seeking out information on my own. Shameful.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Credit reporting () with EQUIFAX, INC. (KS).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Negative old debit paid by XXXX not removed. Medical believed to be paid my Medicaid was charged as bad debit against credit report. XXXX & XXXX have corrected but Equafax will not remove. Equafax is reporting XXXX Mortgage as Installment Loan ... 
Last is Judgement that was reported to credit agencies in error. XXXX XXXX removed and XXXX removed. Other agencies are showing satisfied and will not remove. They are requesting court made error. Which will never happen and they wo n't try to verify for removal. I have filed an online consumer complaint against Equafax. 
XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TN).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Made full payment of credit card, closed account and canceled card with Citi Diamond Preferred MasterCard by telephone on XX/XX/XXXX to customer service at XXXX and authorized my XXXX Bank to approve this final payment. After checking my credit reports at the end of the year, I discovered that Citi had charged me {$2.00} in interest plus {$120.00} in delinquent fees. After calling customer service, I felt intimidated to pay this amount and clear the records again on this closed account ; therefore, I again paid by telephone authorization this full amount of {$120.00} on XX/XX/XXXX. Now I have received an email informing me that I owe an additional {$1.00} due by XX/XX/XXXX. I have never been late on my payments until trying to close this account with Citi. I feel this is a fraudulent abuse of our terms of agreement to pay-off this account and unfair practice of applying delinquent fees. I request that Citi refund this payment of {$120.00}, rescind this latest charge of {$1.00} and remove all negative false statements to the three credit reporting agencies. Furthermore, Citi should provide a written statement to me confirming their actions in this matter. Thanks for your help.

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 10/20/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with U.S. BANCORP (AZ).
Issue: Overdraft, savings, or rewards features

Complaint: Can you reach out to @ XXXX and work together to make sure they get my transaction data quickly plz plz @ usbank

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 09-05-2017 about Debt collection (Credit card debt) with DISCOVER BANK (MI).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Seems that Discover Bank has set up quite a few accounts using my name, SS number, birth date, home phone and/or home address to laundry money again!
I have been getting calls from XXXX XXXX, and other Credit companies demanding payment for money transferred to XXXX accounts that I do not have but are in my name, SS number, birth date, home phone and/or home address!
Discover has been taken to federal courts for setting up fake accounts, money laundering and other illegal actives. Now it seems that they are preying on us seniors and Veterans!!!
And I am still getting phone calls from them telling me that I am going to prison if I do not agree whit what they demand in court!!!
I think I have to report this to the DOJ and Home land Security for possible money laundering! I could be in trouble if I do not?

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Billing disputes

Complaint: American Express sent me a bill on XXXX XXXX 2016 for a balance or a minimum payment due on XXXX XXXX 2016, I paid my bill on XXXX XXXX 2016 for XXXX times the minimum payment due, however, i was charged a late fee and received a past due minimum payment for XXXX on the XXXX XXXX, 2016 statement. I phoned American Express and shared my XXXX XXXX payment which was made on XXXX XXXX, 2016 and owed the minimum payment of XXXX for XXXX, but the company applied my payment to the XXXX bill. I was advised that I made my payment too early, that bills had to be paid the the day after the statement date. I do not have this payment rule in any cardholder agreement for payment. I spent 4 hours on the phone being passed from agent to agent and had to pay an errorenous minimum payment and wait for XXXX adjustment. I do not have disclosure needed from American Express about how payments are applied that are received prior to due date or how late payment and interest is applied. The removed the late payment and supposedly noted the account that XXXX was not passed due. I asked to speak to a Manager or a Supervisor, and was put on hold by XXXX different agents for 10 or more minutes for the another person to come on but did not identify themselves as manager or supervisor and repeated the same info. The customer service department is not located in the US and when you call corporate headquarters in XXXX, you are transferred back to XXXX. The written customer complaint is a PO Box # with no name attached to whom to send the written complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (DE).
Issue: Loan modification,collection,foreclosure

Complaint: I am writing because my Mortgage Servicer Ocwen reported a discharged amount to he IRS in the amount of {$22000.00}. They did not suffer a loss for this amount nor was my principal balance reduced by this amount after I completed a HAMP Loan modification in XX/XX/XXXX. I called Ocwen on XXXX/XXXX/XXXX and after spending 30 minutes on the phone the representative was unable to tell me why this amount was submitted and also confirmed that this amount does not reflect in my mortgage history. This is a huge error on their end and I can not file my federal income tax until it is resolved, otherwise the IRS will be looking to tax me on this amount as earned income which it obviously is not. I understand that during the course of the next 5 yrs there will be deferred interest and a principal reduction, however a loss can not be written off in advance prior to it happening. So Ocwen needs to either reduce my principal balance by {$22000.00} OR amend the XXXX and provide detailed information that reflects any loss they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Debt collection (Credit card) with Ascension Point Recovery Services, LLC (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: On XXXX AscensionPoint Recovery Services, LLC. sent me a letter stating : Dear estate of ( my name ). The letter did not give me my mini-miranda rights nor did their letter state they they were a debt collector. 

I disputed the debt in a letter dated XXXX and requested that they conduct an investigation and to send me the results. 

On XXXX I received another collection letter from them with out receiving results of the investigation of my dispute on the alleged debt. The collection letter attempted to collect {$12000.00} and then it also stated to me : " You personally are not required to pay any of the debts from the estate. '' What estate if I am still alive and the the letter was sent addressed to me! 

XXXX the FDCPA and the Texas XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2016 about Credit card () with WELLS FARGO & COMPANY (MA).
Issue: APR or interest rate

Complaint: I purchased furniture through XXXX. It totaled XXXX. I was asked if I wanted 12 months financing at 0 % interest. I agreed. I made all payments on time. At the end of 12 months I had a balance. The Wells Fargo credit card did not bill me XXXX/month, which, when I calculate it, should have paid off the entire balance in 12 months. Instead they only billed me XXXX/month. Now I receive a bill for XXXX which includes interest of XXXX which is more than XXXX % of the balance. If I was informed at the time of purchase that the 0 % interest was deferred and that I had to make higher payments this past 12 months to pay off the balance in 12 months, I would have. There interest rate after 12 months is 28.24 %. I am now subjected to pay this full amount. I have a XXXX credit rating and could have paid this off in full to begin with and have several credits cards with lower interest. I was mislead by XXXX and Wells Fargo and believe that these fees are fraudulent. This should have been explained to me up front.

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 04/13/2015 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Experian and reported that there was an account that was being reported on my profile that did not belong to me. I do no nor have I ever had an account with XXXX XXXX and there are XXXX trades reported under my profile. I contacted the creditor at the phone number listed on the report and the only information that they were able to provide was that the store that originated the trades is no longer in business and suggested that i file a dispute with the credit bureau. I asked that Experian validate the debit but instead they dismissed my concern and the trade has remained on my report. I 'm not sure how I can prove that I do not have a debt with these people but i am sure that they can not prove that i do, so I am very confused as to how Experian can just say, oh well miss the debt is in fact yours now until 2019. I know that it is my right to have my credit file contain accurate information and am sure my rights are being violated.

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 03-12-2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Closing on a mortgage

Complaint: Our Bankruptcy was Successful, and Lien Releases and Account updates were due XX/XX/XXXX, Discharge Order dated XX/XX/XXXX has been sent various time. On XX/XX/XXXX I called XXXX XXXX asking that the account be updated and was notified that the account would be reconciled and lease from their Bankruptcy Dept. within 30 days. I am currently trying to refinance my loan due to the 6.75 % to a 4.1 % ; I am currently on day 55 and STILL waiting for Seterus Inc. to expedite my request. 

As of today, XX/XX/XXXX I have incurred {$630.00} for a 10 day lock extension to maintain my interest rate and a direct result of Seterus Inc. failing to comply with The Fair Credit Reporting Act ( FCRA ), require that my payoff accurate in a timing manor. Additional, I could have had this already refinance and I am still currently paying the hire interest at 6.75 %, this is costing me significantly. 

I have never made a payment past 30 days ; the Payoff Demand from Seterus Inc. sent on XX/XX/XXXX states my next payment due XX/XX/XXXX. Additionally Seterus Inc. sent a Credit Supplement - Mortgage Rating indicates last payment received XX/XX/XXXX and reports no payments past 30 days, the Payoff Demand by the Bankruptcy Department contradicts the Credit Supplement. 

I have make various phone calls and sent letters, at times they are rude and tell me they are over loaded with these types of cases and they are doing their best. I am very stressed and frustrated and need help to reach the next ten day deadline or it will cost us more money. I will attach the attorney 's letters, my letters and Bankruptcy notice. 
Main Contact at XXXX - XXXX XXXX, Bankruptcy Dept XXXX or XXXX XXXX, both from the management team.

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