milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: got a car loan from navy federal XXXX.2014 for about XXXX. beginning payments were XXXX a month. got the opportunity to secure a personal loan through the same bank a year later. used to loan to " pay off '' my car ( i have my title so it cant be repoed ) payments increased to XXXX a month. been paying on this car for 3 years and still owe XXXX. ca n't tell me something is n't wrong with this picture. I can do math and I 've paid about 13k so far. I 'm paying dbl and it 's not right. I make half the money I did 3 years ago and the XXXX a month is too much. I 've tried to get the interest rate lowered several times with no success. All the bank offers is payment deferal and that comes with a price. I do n't mind paying what I owe, but I 've basically paid for this car already and still have 2 years of payments left. This is what 's wrong with this country now and why families ca n't stay afloat. No matter how they try to justify this it 's wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was included in the list of potentially stolen information from the Equifax hack revealed in XXXX 2017. They have offered access to additional credit protection services.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My dad was the victim of fraud on his Bank of America card. I tried and he tried for literal XXXX hours to get through to them. XXXX they put my dad on hold when he gave permission for them to talk to me. Then I was on hold for the same amount of time to talk to them. Once I got on they started quizzing me about details on his account. Nobody told either of us that I would need to provide this kind of information. After XXXX minutes of being quizzed and put on hold I asked to talk to a supervisor. I waited another XXXX minutes to talk to the supervisor who asked me none of the questions the XXXX fraud department person did. I told the supervisor that their customer service was TERRIBLE. Then after I told him that these unscrupulous mints had put over {$25000.00} of charges on my dad 's account, he told me at first that they would take care of it. Then he said since my dad had made a payment on the charges in the past, they might not be able to call it fraud. I told him that these salesmen were calling him at XXXX XXXX, lying to him about the value of the coins, telling him they could help him make a lot of money on coins that are virtually worthless, bullying him, threatening him and asking for his bank account information. I then said that if they did n't take care of this we would hire a lawyer and sue them. These fake mints have been sued over and over for lying to customers and misrepresenting their products. So I asked him why Bank of America was letting charges from these companies, in these amounts especially, go through without scrutiny.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (OR).
Issue: Application, originator, mortgage broker

Complaint: We refinanced our home with LoanDepot to make home improvements. After we signed closing documents and the 3 day rescission period expired, they claimed that the boilerplate Compliance Agreement we signed required us to make repairs to the lower deck on our home as a condition for obtaining the funds. We requested that they provide the closing document that imposed the condition and they have failed to do so because we are quite certain that no such document exists. However, LoanDepot is steadfastly refusing to dispense funds claiming that we agreed to conduct the deck repairs as a condition to receiving the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Hello, on Friday XX/XX/XXXX, I used the XXXX XXXX XXXX site to obtain my free yearly report from the top 3. The site timed out before I could download my report, but when I try to go back in, I get the message they 're unable to complete my request. It appears they think I already got the information I needed so my once-yearly transaction was considered completed. However, I was not finished with what I needed and now it appears I ca n't receive my yearly report from Experian. 

On a side note, the XXXX site says they 're unable to complete the request due to the high volume of requests after XXXX 's data breach. So I was only able to receive one of the three reports I 'm entitled to. 

XXXX, 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 non-monetary relief
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have contact ed Exeter Finance sev eral times with regards to the inaccurate late reportings that they are reporting on my credit file for  XXXX ,  XXXX , and  XXXX   2017 .  Exeter Finance ha s refused to remove these inaccurate reporting on my credit file with  XXXX ,  XXXX , and  XXXX . This account was paid in full on  XXXX   XXXX ,  2017  by  XXXX   XXXX   XXXX . My due date is the  XXXX  of each month. Please see the attachment that shows the account was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (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: I have notified Capital One Bank that they are inaccurately reporting that I was late XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late reportings removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On   XXXX   XXXX   XXXX   I filed a complaint on   XXXX   XXXX  . The company has refused to verify and information regarding a debt that is claimed to be owed. When reaching out to the company the representatives are rude and claim that the company does n't have to verify and information. One rep advised me that   XXXX   XXXX    can electronically share any balance to the credit bureaus and I should stol calling because they can add to the balance at any time. I was then told by the rep that no signed agreement binding me to pay the contract exists but if I do n't pay it, it will continue to reflect negatively on me borrowing potential so I should just " suck it up and pay it, even if its not yours '' i have attempted to get assistance from all three credit reporting sgencies. Transunion,  XXXX , and  XXXX  however I have not received a resolution.   XXXX   XXXX   has not reaponded to a complaint submitted on   XXXX   XXXX   and they refuse to verify that this is my debt but the account continues to reflect bad borrowing potential on my credit report.
According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to claim a validation of this debt and you are obliged to provide me with relevant documentation should you carry on your collection activities. As per an opinion letter published by the FTC, reporting this collection is considered as collection activity. You ca n't report a debt that is not infact verfied as mine or that I have not received any written notification of before the attempt to collect the debt. This account should be removed from ALL  XXXX  credit reporting agencies.

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 09-07-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other transaction problem

Complaint: I actively XXXX XXXX XXXX on the XXXX XXXX XXXX XXXX  ( XXXX ) run by Coinbase, a US company based in XXXX XXXX. My account was initially funded via a linked XXXX  checking account from which wire payments and ACHs have been initiated and settled without any issues. The following incidentis the first issue I 've experienced with their platform.
On Monday, XX/XX/XXXX, I attempted to link an additional checking account with intent to initiate a wire transfer onXX/XX/XXXXafter the Labor Day holiday. To confirm ownership of linked accounts, Coinbase asks you to confirm small transaction amounts in your account. The credit union that services this additional checking account had shut down its online banking system over the holiday for scheduled maintenance and I was unable to confirm the deposit amounts immediately.
However, from this point forward, I was unable to execute any trades on their XXXX platform or transfer funds ( virtual currency or USD ) in or out of Coinbase or XXXX. I opened a support ticket and went through the suggested steps to fix the problem on my own.
An automated prompt indicated that it may be an issue with identity verification. For example, if the credit union only had my middle initial on the account 's signature card, Coinbase may be unable to verify that with the driver 's license I submitted which has my full middle name. Furthermore, the inability to immediately confirm the deposit amounts may have triggered something in their fraud or compliance process.
After re-uploading my ID verification materials and removing the newly added checking account, my Coinbase and XXXX accounts were still locked down. I currently have around {$10000.00} USD worth of assets in an account on the XXXX platform.
Coinbase/XXXX  support has been unresponsive, with the exception of automated replies ( case # XXXX ). They do not have an option for live chat or telephone support.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (FHA mortgage) with NJ LENDERS CORP (NJ).
Issue: Closing on a mortgage

Complaint: From XXXX I lost {$3000.00} being mislead by NJLENDERS,XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX was told I qualified and paid inspections, appraisals, certificate of occupancy, adding fire extinguisher, smoke detectors, carbon monoxide detectors in house paid labor to install these things and then to find out i am denied because address written on tax returns. Why was n't this noticed before how would I have known? I find this all out after all of my hard work and time spent and money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2016 about Debt collection (Medical) with Credit Collections U.S.A., L.L.C. (KS).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This account was previously deleted from all credit reports and was recently re-inserted. Credit Collections USA refused to verify the account belonged to me. This account is being re-aged. The changed the date of first delinquency which was originally XXXX

Company response to consumer: Untimely response
Consumer complaint received 04/14/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Payoff process

Complaint: I have a Bloomingdale 's credit account ( via Department Stores National Bank ) that has charged me a recurring interest fee. When I call to make a payment, it gets paid, but then since there was a fee after the start of the billing period, they charge me another {$2.00}. I 've had prior issues with this organization ( I filed a complaint back in 2014 regarding similar unfair practices ). This is completely absurd and I am sure I am not the only person who has had to deal with this type of activity.

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 09/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (SC).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Last month while on Synchrony Lowes credit card payment site to pay my bill I noticed a drop down box where payment options were which I had never noticed before. My checking information is present in that area. I clicked on it and saw that there was another checking account below mine that was available to pay my bill with. Problem with that is we do not have a second account. I called and spoke with them and they assured me it had to be mine as they ca n't see my account information. I called my son as he is a XXXX to my husband being the XXXX and found that he has a Lowes card as well. It was his account information on my account. He does n't live at our address nor has he since he had that account. Never has he paid his bill from our computer nor have we from his. After going back and forth and taking a picture of this I deleted his checking account info from mine. Yesterday I got on Synchrony JC Penney credit card payment site to pay my bill. Again I noticed a NEW drop down box. My son 's information is on our account on it as well. He has NEVER had a JC Penney account. I called and was assured it was n't them. It had to be our bank that went into Synchrony 's credit card sites and added their information. Really? I asked for a supervisor, spoke with her, taped the conversation, as did she. She told me she would I.T. look into it after I pressed her. I asked for a return call and she told me I would not be getting one. They do n't do that. Since then I took to social media and several others have had the same problem. This scares 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 04/17/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I was pre- approved by my lender / XXXX for a texas XXXX land board home loan, and now when we are in our option period of purchasing our first home, our lender said he can not proceed with the load due to not having a credit score. XXXX?!?! I have excellent credit, in the high XXXX 's, and its been like that for a long time ; seems someone has screwed us over so we cant purchase a home. I just want my score back, plain and simple. These idiots always had a score for me, now when I need it I dont have XXXX?!?!?!??? Something is very fishy about this, like someone is watching us and creating this problem. My wife who has only 2 yrs work experience in the usa from the XXXX has a score, yet I have more credit than her and where XXXX is my score?!?!?! This is my first time to complain about a credit reporting agency like this, except when my identity was stolen. I work in XXXX, pay bills on time, even have some auto pays with a credit card and bank acct. From what I did find out, I am in good standing, which is good news, however they are not giving me a score which we need to get a loan. Anyone who can help us out would be appreciated, and put a stop to these XXXX XXXX with people. I did put a fraud alert on my acct., since I dont know whats going on. I also noticed on my report a mistake that I payed {$230.00}, I usually pay upwards of {$1000.00} or more via a phone system with XXXX, and I do keep records of that, however I am not usually reading my credit report. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Sallie Mae/XXXX used unlawful and predatory practices to target my former school XXXX XXXX into taking out absurd amounts of money to enroll in their program. XXXX XXXX closed in 2016 and I believe Sallie Mae/XXXX needs to be looked into for all the students that were taken advantage of at XXXX. We are in enormous amounts of debt due to default on payments because our lender would n't let us pay what we could be requested insane amounts from us. XXXX promised us careers where we could pay these amounts and this was untrue. Please hear our stories!

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (I do not know) with Consumer Collection Management. Inc (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the original creditor directly, the original creditor accepted my payment but yet the collection agency is trying to collect an amount that I do not owe!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Other debt) with The CMI Group, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XX/XX/XXXX I noticed on my XXXX account that there is a debt collection account opened against my name. The claiming creditor is XXXX and the debt collection company is creditmanagementonline.com. The claimed amount is {$180.00}. Shocked by the claim as I had closed XXXX account on XX/XX/XXXX this year with {$0.00} balance and no equipment of company in my custody, I rushed to call the collection company. Provided them supporting documents for the payments I have made. Confirmed I never received any bill ( I had subscribed to email billing and online payment system! ) and requested the collection company to either produce satisfactory bills or remove this from my account. Until today I have not heard anything from collection company. I have also disputed this on XXXX.
Below is summary of payment and the closed account : 1 ) I opened account with XXXX XXXX XXXX activating it on XX/XX/XXXX. Paid {$88.00} which includes the first month 's advance payment and other amounts 2 ) Returned back XXXX 's wifi modem within the first month and they removed monthly $ XXXX charges from my monthly payment 3 ) My monthly payment was $ XXXX and increased to $ XXXX for the last month ( XX/XX/XXXX-XX/XX/XXXX ) when I switched to XXXX. Confirmed over phone with XXXX rep that I owe {$0.00}. And for me this was end of it.
4 ) XXXX  never sent me email for any other owed amount ( which was method of my billing ). XXXX never sent me invoice though they kept sending me promotional offer to my mailing address. My address never changed.
5 ) The claimed amount does not match anything. I have Credit Card payment track for all the months from XX/XX/XXXX to XX/XX/XXXX. Attaching screenshots of first and last payment as proof.
I feel that XXXX has very unfairly treated me with their claim. They have hurt my credit history with derogatory remark. Up until now, I have not received any written notice from XXXX or Collection company but on my own initiative I am trying to follow up for their mistake and ignorance and therefore filing this complaint.
Thank you in advance!
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax hacking problem??? First, delay in notifying ANYONE of it having happened, exposes about 1/2 of US households to extreme vulnerability to all sorts of fraud ; second, insider management selling stock before public announcement of the hacking ; third, an attempt to make that same 1/2 of US households " trade away '' their right to sue Equifax. It 's totally shameful.
First : no one has ever asked me if I 'd like to " opt-out '' of the reporting system for all the 3 companies. Why? What governmental entity sanctioned their activities? I understand that they facilitate peoples ' access to borrowing, smoothing the way for banks and other financial entities, but just now we see the potential cost of such a system to individuals. The IRS, I would think is particularly concerned, given it is already burdened with fraudulent attempts to file on the part of garden-variety scamsters.
Secondly : should there not be a large penalty ( say, {$5000.00} or {$10000.00} fine/ instance ) levied on the party responsible for failing to protect consumer 's identities ... whether or not there is subsequent fraud or not? Some entity ... maybe you, maybe the FTC ought to have some serious level of control over their actions.
Thirdly : myself, at this point in my life, I can live quite nicely without extending myself credit, but this is not true of the typical American. I have frozen my accounts at all three companies and may leave them frozen indefinitely, but this is not viable for younger people just starting out ; they need mortgages, cars, etc. They 've not had it easy in the last 10 years or so. This is yet another kick in the teeth to them. In short, it would be advisable to re-think and, if necessary, re-legislate this entire system. You should be a major player in this.

Company response to consumer: Closed with explanation