milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2016 about Bank account or service (Other bank product/service) with BB&T CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: I applied for a line of credit with BB & T in XXXX. I was denied for the line of credit and XXXX of the reasons was excessive obligations in relation to income. This makes no sense considering the only considerable debt I have is student loans. My debt to income ratio is approximately less than 9 %. My student loan payments are {$400.00} and my gross income is about {$5000.00} a month. The rep told me the threshold for DTI ( debt to income ratio ) was 36 %. I had ample room to make a payments so I believe there should have been a counter offer not a denial. I have no other debt besides student loans. I also have been approved for another line of credit recently. No bank should be denying consumer 's credit because of student loans when the payment is less than 9 % of the person 's income. Excessive obligations in relation to income should not be reason for a denial but should have been the reason for a counter offer the underwriter determined was appropriate for my financial status. 
According to the Community Reinvestment Act the bank is to meet the credit needs of the local community. I am certain that majority of the community has a negative net worth because of student loans. By denying the application completely as oppose to countering the bank is certainly not adhering to the community reinvestment act.

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 04/18/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing statement

Complaint: THE STATEMENTS WERE MAILED TO MY ADDRESS INSTEAD OF MY XXXX XXXX XXXX XXXX. THERE IS NO MAIL DELIVERY TO MY ADDRESS OR ANY IN THE TOWN OF XXXX, ONLY XXXX XXXX XXXX. I DID NOT GET THE STATEMENTS AND, THEREFORE COULD NOT PAY THE BILL. I WAS NEVER LATE ANY OTHER TIME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX is a paid charge-off account. In the state where I live ( Virginia ), the statute of limitations for paid charge-off accounts is 5 years if they can produce my signature on a written contract ; otherwise it is 3 years. That 's in Code of Virginia XXXX ( XXXX ) and ( XXXX ). As the first delinquency occurred on or before XX/XX/XXXX, Experian will be reporting this derogatory information in violation of the law if it persists in reporting this account in XX/XX/XXXX. I am concerned with this because XXXX XXXX is still reporting this item as a charge off when it was paid with XXXX balance and should either be deleted or listed as closed or paid in full. This is affecting my good credit record and continues to affect my credit rating. Any assistance in this matter would be greatly appreciated.

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 01-05-2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Today, XX/XX/XXXX, I received an alert from Experian, stating that a new account was posted to my credit report, with a COLLECTION status. The collection agency name is Diversified Consultant, I`ve never heard of this company, nor do I OWE them any money. The post stated that I owe them {$300.00} for account # XXXX, a XXXX XXXX account, which supposed to have been opened in XX/XX/XXXX. I did not have a XXXX XXXX account in XXXX or any previous months. Apparently, this is an account which was recently sold by XXXX XXXX XXXX, of which I disputed on XX/XX/XXXX,  thru your agency and was removed /closed on XX/XX/XXXX. And furthermore, I was never given any notice of delinquency by this company. ALSO DIVERSIFIED CONSULTANT HAVE NOT VALIDATED THIS ACCOUNT, BEARING MY SIGNATURE AS REQUIRED BY THE FDCPA CODE SECTION 807-8. I DIDN`T HAVE ANY NOTIFICATION PRIOR TO THE ALERT FROM EXPERIAN, TODAY., WHICH IS ALSO A VIOLATION OF THE FDCPA AND FCRA. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY NOR HAVE I SIGNED ANY CONTRACT WITH THEM.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (GA).
Issue: Application, originator, mortgage broker

Complaint: I submitted an application for a mortgage refinance through Amerisave. They charged me {$420.00} for the appraisal ahead of time, BEFORE THE APPRAISAL WAS SCHEDULED. The documentation that I signed and submitted stated that I would be charged once the appraisal was confirmed scheduled, not when the card number was given to Amerisave. They took the money from my card and available credit prior to the agreed upon time. 

Additionally, the appraiser stated that he had spoken with the lender, researched the property and the comparable sales. He stated that the reaching the needed appraised value would not be a problem. He spoke directly with me and asked me " How much do you need and why? " ... I told him that I was told that this was an illegal conversation and he stated that we 're on the phone, no proof. 

Once the appraised value was not met, Amerisave tried to get me to switch to a different product, consistent with their bait and switch tactics of 2014.

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 11/17/2016 about Debt collection (I do not know) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: MIDWEST RECOVERY SYSTEMS placed a collection account in my XXXX credit file. I do NOT owe them nor anyone they claim to represent any money!

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have a {$24000.00} 6 % interest consolidation loan through Navient ( originally XXXX ) originating in XX/XX/2001. I have been making payment on this loan for 15 years ( less a few early periods of forbearance and an unemployment forbearance ). I logged in recently to see how much my remaining balance was and was shocked to see that I am after 15 years of payments listed as now owing Navient {$38000.00} in student loans. I have called and spoken with their customer service department asking how this can be the case on a 6 % loan I have been paying for 15 years on, they explained that during my forbearance periods interest was accrued and that for a time I was on an interest only repayment plan. My math still does not add up on how these amounts could lead to such a massive increase in the loan amount. I inquired on how we could get the loan paid in a timely fashion and the best offer they could give me was that I could pay $ XXXX/month for for 170 more months - which would be another {$55000.00} in addition to the 15 years of payment already made - which would be something like four times the amount of the original loan in total. 

I suspect something may have been added to my account or misfiled ( late fees, misapplied payments, etc ). Also, if I had been aware I would be accruing interest during forbearance or that I was paying an interest-only repayment plan ( and with that, if I was, how could I have been accruing interest as they claim ) I would never have agreed to those terms. I am turning to the CFPB as Navient appears unwilling to work with me on coming to a reasonable repayment of these loans. I would like to work out a reasonable and mutually acceptable repayment to get these loans resolved - I have been paying them for 15 years already.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I called Experian Credit Report agency on or about XX/XX/2018  to dispute status on a fraudulent collection account with XXXX XXXX XXXX Account # XXXX for the amount of {$360.00}. for a medical bill I did not have service or does this bill belongs to me. I have also filed a police report and provided all the necessary documents and a copy of my Driver 's License which bears my current address. They still refuse to remove the item stated that I must contact the Collection Company on file and update my personal information with them to make my claim valid. This has been on going now for a few months and now results.

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 09-11-2017 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: The credit reporting agency Equifax was recently hacked by unknown persons. During this attack, personal information about myself, and many others, was obtained and is now in the hands of people who should not have it. Names, dates of birth, SSN,  addresses, and drivers licenses were all things that were collected. 

Equifax did not alert the public about this issue in a timely manner which has opened me up to becoming a victim of identity theft. 

There is nothing Equifax can do to " fix '' this situation because there is no changing my personal information. For the rest of my life, I will not have to monitor my credit even more closely to ensure that someone does not destroy my life.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (Medical) with ASSET MANAGEMENT OUTSOURCING, INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a call and they had my name, address and date of birth wrong. They would n't identify who they were but when I called back and asked for supervisor she, XXXX, told me they were skip tracers. She was very reluctant to even tell me the name of her company and got pretty smart with me. I asked her if she was a repo company and she said no. So i asked why they called and she finally said collections. I asked for what and she told me a medical bill. I told her I disputed it. And she told me that she could see I never received any bills because all the information was wrong. I asked what happens from there and she has not answered me. I have no idea what to do from here. I have never received a bill or letters. I would pay the bill but it should n't be on my credit. They have been mailed incorrectly and that 's not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (I do not know) with Choice Recovery, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I HAVE A LETTER FROM XXXX XXXX XXXX STATING THE BILL WAS TAKEN CARE OF SEEING IT WAS A MILITARY RELATED INJURY. I HAVE CALLED MANY TIMES BUT IT CONTINUES TO STAY ON MY CREDIT XXXX REPORT.

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 08-10-2016 about Bank account or service (Checking account) with CHARLES SCHWAB CORPORATION, THE (NC).
Issue: Making/receiving payments, sending money

Complaint: In XXXX / XXXX of XXXX, I began to have payments debit automatically out of my Charles Schwab account for a vehicle loan I have with XXXX. I have paid this loan on-time for close to 36 months now.. Without notice or explanation, Charles Schwab stopped making those payments in XXXX of XXXX despite adequate funds to cover the payment. I subsequently was charged late fees and, more importantly, had my credit report damaged by the late payment. When I contacted Schwab, they said that the system must have set XXXX as the stop date in error. Once I asked them to provide a letter to XXXX XXXX so that my credit could be corrected, they changed their story and said that I had erroneously set up the account to stop payments in XXXX XXXX, even though the loan has payments through XXXX. I set up the payments to terminate upon the loan 's termination, not in XXXX of the preceding year. The loan is n't even due in XXXX of XXXX, so there is no reason to select XXXX as a termination date. The representative said that it was a " legal issue '' surrounding admitting to mistakes and offered to pay the late fees for me. The result of Schwab 's refusal to correct the issue is that my husband 's credit has dropped by over XXXX points. We are applying for a loan for a new home, and Schwab 's error is going to cost us thousands in additional interest expense, assuming that we even qualify for a loan any more. Outside of the late payment for XXXX, his credit is clean and used to be in the high XXXX 's.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Vehicle loan or lease (Loan) with TIDEWATER FINANCE COMPANY, INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Charge off of a repossessed vehicle balance increases constantly. Threatened by garnishing wages. Bank account money taken. Thousands in collection fees. Protected by florida head of household. Having sheriff department harass me at my home with civil documents. If I respond there are additional legal fees. Loan is from nearly 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with U.S. BANCORP (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX the company US Bank card services attempted to call me 3 times in less than 2 hours, called after XXXX XXXX and most calls were back to back. This was after I had committed to making a payment on the XX/XX/XXXX. Of {$300.00}. 
On the XXXX they called again several times in 2 hours and would hang up when I would answer. At XXXX XXXX i again received a call and made a payment. I let the man know I did not approve of the consistent calls and to not allow it to happen again. I clarified that they have notes stating when they talked to me and how many times they call and they said they did. Several times they asked why I went past due to which I let them know my Interest was supposed to be 0 for 6 months and it was applied after 3 months. They did not attempt to rectify the complaint. 
Today XX/XX/XXXX I again received 5 calls. One at XXXX, next at XXXX, next at XXXX, again at XXXX and yet again at XXXX. I answered the call and let the person know yet again that they need to stop calling so many times. She stated they have no control over the number of times they call or what times. I reminded her I had just made a payment and would not be able to make a second one right this minute and calling me several times wont change that. I then ended the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Trouble during payment process

Complaint: I have a mortgage that was transferred to Mr Cooper, formerly Nationstar. Since they took over the mortgage, they have failed to pay my insurance, causing a lapse in the coverage, despite repeated attempts on my part to get them to pay it. The insurance and taxes are paid from our impound accounts that they collect each month. 

On XXXX XXXX I called them because I received a notice from the county of XXXX XXXX tax collector stating that they had failed to pay a bill for unsecured property tax. I called the company and spoke to XXXX, and then his supervisor, XXXX XXXX. I asked them to pay the tax and refund me the penalties. The bill on that date was for {$130.00}. Taxes were XXXX, penalty XXXX, and collection cost of {$20.00}. 

XXXX told me she would contact the assessors office and resolve the matter. She told me it would take several weeks but that she would handle it. 

This week I received a notice of lien on my property for the same bill. The amount is now {$160.00}, taxes still {$100.00} and penalties of {$10.00}, {$1.00}, and {$49.00} of collection costs. I called the company 4 times yesterday, XXXX, and could n't get through. The first time I was instructed by the automated service to leave my number and expect a call back, and two hours later the automated service told me to call back later, they were too busy. 

I had perfect credit prior to this situation, I want Mr. Cooper to pay my taxes, refund me the penalties and make my credit right again. I ca n't get them on the phone to help me, and every time I speak to one of their representatives, they tell me they will fix the situation and do nothing. 

I would also like to move my mortgage to another lender. I have had this loan since XXXX and it has been transferred to 4 lenders now, they are by far the worst. 

What are my recourses here? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ad Astra Recovery Services Inc (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: There is an account on my credit reports from a company called AD ASTRA RECOVERY SERVICES ( acct # XXXX ). They are claiming that I owe them. I have not received any notification that I owe them, nor have I signed ANY documents allowing them to have any of my personal information. I have tried to work with the credit bureaus but they have failed to provide me with a document that I signed in regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Medical) with TekCollect Inc. (NE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: TekCollect of XXXX XXXX. XXXX XXXX, XXXX, OH XXXX, has sentme XXXX collection letters without a legal judgement. Originaldebtor is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. FTC # XXXX ( G ) requires a legal judgement before they can harass me for a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: Hi, I 'm XXXX but i 'm a customer of a US-based company, so i contact you. 

I 'm a customer of Coinbase, a crypto-currencies wallet company. I sold BTCs the Saturday, XX/XX/XXXX off the blockchain ( direct trade between Coinbase and me ), the BTCs were instantly taken out from my BTC Wallet but Coinbase is tiding up my money since 3 days as they DID NOT added the amount to my EUR Wallet ( euros wallet ). The transaction is still pending while marked as " ARRIVES SATURDAY XX/XX/XXXX '' ( see screeenshots attached ). We 're the XX/XX/XXXX. As each transaction is, i think, not confirmed manually, it means Coinbase is retaining my money on purpose. This is a fraud. 
It is unacceptable for a US-based company and i 'm sure the authorities are doing their work fine. That 's why i 'm adding my complaint to, i think, plenty others. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Mortgage (Other mortgage) with CORELOGIC INC (NJ).
Issue: Application, originator, mortgage broker

Complaint: Credco has placed a hard inquiry on my XXXX report prompted by XXXX XXXX, I did not authorize this and have contacted XXXX XXXX and Credco to have it removed.

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 12/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Financial Credit Network Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Financial credit network claims to be collecting on behalf of XXXX XXXX XXXX which I never had business with. My numerous attempts to resolve the matter with them went ignored. I requested debt validation in accordance with FCRA rules and regulations and they failed to proof validity or ownership of this debt. However they are still reporting this on my credit report which is damaging my credit rating to an extend. I request they DELETE this collection from my report and STOP their harassing collection efforts once and for all!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act. They keep sending me a letter asking me to provide them more information. I do not have more information. I am asking them what they are reporting and why. they can not tell 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