milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (RI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I have been trying to contact Experian for months now! I have been calling constantly to cancel this membership! It is impossible to talk to someone! I have been on hold for hours and hours and sometimes it just disconnects the call! They have been charging me $ XXXX/month for a service that I CAN NOT cancel and DO NOT use. This is the biggest scam ever!

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 05-03-2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (VA).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX I leased a XXXX Jeep Wrangler from XXXX XXXX in XXXX, XXXX. The lease was through Ally XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I went to XXXX XXXX in XXXX and traded my Jeep for the Honda. Ally gave me a lease buyout figure of XXXX. I made the deal with XXXX and left with the Honda. The next morning I get a call from the XXXX dealer telling me Ally told them they have to pay XXXX to pay off the vehicle. They said the XXXX number was only for me if I bought the vehicle. Needless to say I had to give the Honda back and come back to XXXX with my Jeep. Ally also told the XXXX dealer that I had to take the XXXX back to the dealer I got it from, XXXX, for the payoff to be the same as what it would be for me. XXXX said they would give me a check to payoff the vehicle then when I got the title I could give it to them. Ally told them I could n't do that. 
So, I came back to XXXX, went to XXXX XXXX ( since they said the payoff would be the same for them ) picked out another vehicle, made the deal and AGAIN Ally says the XXXX payoff was only for me. XXXX would have to pay XXXX??? I came home and went to XXXX because we were told their payoff would be the same as mine. Now, again, I could n't get the vehicle because of Ally. I 've read my contract over and over and nowhere does it say they can do this. Is this even legal?

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 06-09-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Ever since Navient stole my student loans it has been a nightmare. No person at Navient has any idea what is going on. I get emails with no information. I get emails telling me to login and view documents. No documents to view. I get emails telling me I have a new payment. I login and alas, no new information. I call the XXXX number and they are clueless. What congressmen got a bribe for allowing Navient to exist???

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (I do not know) with Account Control Technology, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i have requested information on this debt bearing my signature and have not received anything stating that I owe this company any money.

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 07-01-2015 about Credit card () with DISCOVER BANK (VA).
Issue: Customer service / Customer relations

Complaint: I purchased cell phone charging cables from an on-line vendor. Within 3 weeks they all stopped working. I contact the vendor, via email, and they promptly told me to return them, they would test them and either send them back or replace them. So i did. After the cables were sent back I sent XXXX separate emails telling the vendor that the cable were on they 're way and to let me know if there was any issues. I never got another reply from this vendor. 
I requested Discover Card to refund my money and have been denied several times. What ever happened to the " Customer is always right ''? Discover has refused to entertain the fact the vendor is lying and had never intended to replace the cables.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: Through the XXXX app version of Coinbase I bought one XXXX for the price of {$84.00} XXXX on XXXX/XXXX/XXXX. I emailed Coinbase asking about the charge ( my memory lapsed and I had forgotten what the charge was for since it took a while ) and asked for more information. They placed a hold on my account in case of unauthorized access and I went through new passwords, two-step verification answered their questions about my account. I verified my account was safe and let Coinbase know I resolved the dilemma. Since XXXX/XXXX/XXXX I have been waiting for my account to be unfrozen and to receive the XXXX. I emailed again on XXXX/XXXX/XXXX asking for an update and help resolving, and then again on XXXX/XXXX/XXXX. I went through another email to receive help from Coinbase support through a email portal through their website on XXXX/XXXX/XXXX and that has yielded no results either.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with DISCOVER BANK (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My name is XXXX I regularly monitor my credit report and just got a notification that someone has applied for credit cards in my name using my name and I am worried I may potentially be a victim of identity theft. I DO NOT use credit cards and I do not know what to do. it has cearly put me as a high risk on my credit report and not to mention lowered my credit score as well as put several hard inquiries on my credit score as well. Is there any way these can please be removed. I am very concerned. 
these companies were discover which were 2 times on the same day!!! and then XXXX XXXX???? 
Please help and thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was marked 90 days late 4 times by  XXXX  this  XXXX  of  XXXX . I had placed the account in forbearance when my car was totaled from a major car accident in  XXXX  of  XXXX . I had sustained injuries and had to be transported to the ER during my accident. My son and I was out of a car for months. However, I signed off on a new plan called " Pay As You Earn. '' I was told I can make payments based on how much I made that month. The representative told me that 's how the program works. So, I made payments when I could and they knew my situation. I had no idea I was in violation until  XXXX   XXXX . Not once was a notice sent to my house. Anyhow, once I received the email alert that m y credit score has ch anged ( I belong to a credit monitoring service ), I logged on and saw my score was knocked down from a  XXXX  to the  XXXX  's. My  XXXX    XXXX   XXXX   XXXX   all together. I called  XXXX  the very next day and the representative explained the situation. I paid the past due immediately. I was told the only way they will delete the late payments is if I was in the military or if I was in school. I am a military veteran but was not in at that time nor was I a student. So, being in a major accident and sustaining injuries is not a valid reason? Even though you clearly have proof??? Anyhow, here we are today and I have gotten nowhere with the creditor (  XXXX  ) nor the credit bureaus. I wrote a  XXXX  page letter and attached supporting docs ( proof ) and even my lawyer got involved. No one gives  XXXX   XXXX  and I served this country so, they can proudly keep their jobs in freedom. It 's like I do n't even exist. What I do n't understand is how am I marked that many times in the first place? I am just lost.

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 10-11-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a student loan payment each month. During a time of financial difficulty, I failed to make the monthly payment for 90 days. This is not in dispute. The issue is this single monthly payment accounts for XXXX separate student loan accounts on the fedloan site. So this XXXX slip up hit my account for XXXX late payments ( 60 days late ) and then XXXX delinquent payments ( 90 days late ) which took my score from XXXX to XXXX. How am I supposed to recover from that and it 's not like you can make a partial payment on the fedloan site. XXXX hits to my credit score from XXXX missed payment over a 90 day period ( XXXX at 60 days past due and another at 90 days past due ). When contacted, fedloan stated they can not make changes to this reporting. I was late, so sorry, but maybe I should pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Identity theft/ XXXX, 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 explanation
Consumer complaint received 09/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Genesis Credit Management, LLC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX of Genesis credit management has contacted me and multiple other people several times after I have asked not to. I 've spoken to her and her supervisor. She has been very rude and unprofessional and was told by her supervisor not to contact me, family members or anyone else again, and she keeps doing it. I 've asked to be mailed any information and to not be in contact with her, and she keeps harassing me and others.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Alliance Data Card Services (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX XXXX XXXX XXXX  XXXX XXXX credit card, and they charge a {$49.00} annual fee. But, since XXXX  XXXX recently acquired XXXX XXXX, they are discontinuing the credit card, effect XX/XX/XXXX, approx. 

I called to cancel the card, but now say I still owe the {$49.00} fee, but it will be prorated. 
I want it canceled, and I do n't think I should have to pay the fee for I wo n't be using it, nor have any services available to me. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-03-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: I had a fraudulent transaction on my checking account. I called Chase the next day about the fraudulent transaction. After two months later, I was told that the claim is denied because the merchant provided that the packages were delivered to an address.I do not know how the theft stole my information online. It was an online transaction and the theft used my name, address and card number to made the purchase. However, the shipping address is not mine. I am living in XXXX and the delivered address is in XXXX. I did not receive any package.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a short sale due to financial difficulties back in XXXX 2015. XXXX XXXX XXXX XXXX was the first trust lender. IT was agreed upon that for the short sale to be approved, that settlement was to happen no later than XX/XX/15. ( actual settlement was XX/XX/15 ). The proceeds to be received by XXXX XXXX from the sale must be greater than or equal to {$340000.00} ( which they received ) and a cash contribution on my behalf for {$6000.00} in certified funds ( which they received ). I have a signed letter from XXXX XXXX XXXX  loss prevention supervisor to reflect this and also a HUD 1 settlement sheet. I had my credit pulled this month and to my surprise a collection from XXXX XXXX showed up on my report in the amount of {$54000.00}! I have called numerous times and have been transferred to other departments. I had left messages with no avail. I need your help to have this updated and removed. Is n't a short sale taking less than what is owed? No they want me to pay them back over and above to what was agreed. This is predatory in it 's best nature.
Thank you,

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In  XXXX  of  2017, I was trying to refinance my house. Currently, my student loans through   XXXX   are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my credit score and it is affecting me not being able to refinance. The way   XXXX   is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told ), it is making it look like I am way behind on payments. I do call   XXXX   in  XXXX  2017 and   they said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.

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. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax reported a hack of some 143 million users ' private personal information today, XXXX XXXX, 2017. According to the website Equifax provides for checking if details have been exposed, I am among the victims. They have exposed my name, home address ( es ), social security number, driver 's license number, and other details. 

This leak compromises not only my personal credit, but potentially any and all banking services I use, as an attacker can potentially use this exposed information to gain access to my personal banking accounts, or other accounts that depend on verification of these details.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Debt collection (I do not know) with  Lippman Recupero, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am unaware of any possible reason why someone who attempt to collect $ XXXX+ dollars from me from a different state.

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 Experian Information Solutions Inc. (AZ).
Issue: Problem with fraud alerts or security freezes

Complaint: My social security number was compromised in the recent XXXX security breach. I 've attempted to contact all three credit agencies to place a credit freeze on my accounts. XXXX was able to process my request over the phone. XXXX ( the company that allowed my information to be compromised ) was not able to complete a credit freeze via phone ; I called and the line went to a busy signal and disconnected 7 times before I gave up calling. Experian was unable to process my request and said that I need to call back between XXXX and XXXX eastern time - this is very difficult for me, timing wise, and I 'm confused why I ca n't submit a credit freeze via an automated system. I do not choose to do business with any of these three agencies. My relationship with them is coerced and forced. Yet I can not even get them to place a freeze on my credit? When I have been made aware that my credit information has been compromised? How is this not criminal? It 's a XXXX joke and it needs to be fixed. If my information has been compromised ( along with another 139,999,999 people ), I need to be able to safely put a hold on all of my credit so that nobody who has criminally obtained my information can open any new credit and if 2 of the 3 agencies responsible for this are unable to complete my request via phone during normal business hours in my home state of XXXX then something needs to change. I also attempted to request my credit report online for all three of the agencies and NOT A SINGLE ONE was able to complete the request online. Are you XXXX kidding me? Not one of 3 agencies could provide me with the FEDERALLY MANDATED credit report I requested and only one of the 3 was able to put a credit freeze on my accounts, as a result of this verifiable security breach of XXXX. This is seriously embarrassing and needs to be resolved.

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 06-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with U.S. BANCORP (WI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XX/XX/XXXX I entered into a HELOC with U.S bank for a Line of credit of {$1.00}. The rate was 2.25 % interest only mortgage for 5 years. I made all my payments and taxes for 5 years.I had talked to XXXX XXXX, in the XXXX XXXX XXXX in XXXX WI, and who had originated my loan. I talked him 3 times and he assured me that it would not be a problem to renew to mortgage. In XXXX or XXXX  on XXXX had left his position.
I called to see if anyone could assist me but to NO avail. The problem is the U.S bank only services the loan but has NO money in the loan and therefore has so incentive to work thing out. Early in the process, after I realized that my " modification '' was going nowhere I told them I would pay them 5 years of payments and 5 years of taxes up front as good faith. They told me that they could not because the loan was due in full.
In XX/XX/XXXX I left my position to become a XXXX XXXX after 25 years in the XXXX XXXX XXXX profession in which 20 years I owned my company so I am very familiar with to whole process in including the XXXX XXXX XXXX XXXX XXXX XXXX.
In XX/XX/XXXX because in how the mortgage servicing was handled I had a XX/XX/XXXX and was hospitalized for 3 weeks and I am still on XX/XX/XXXXtoday. The doctors said the XX/XX/XXXX occurred due to XXXX which was at least partially and entirely the way the mortgage was handle for 2 years. Had they just renewed the mortgage note none of this would have happened. In XX/XX/XXXX i secured a position with XXXX XXXX but I have since lost that position due to my XXXX. I was only in the position ofr 3.5 months. That position paid me {$120000.00} plus incentives up to about {$190000.00}.
I have had at least 10 employee relationship managers and No one who can a decision. Also in XX/XX/XXXXwe had a offer for {>= $1,000,000} that finally got pulled inXX/XX/XXXX ( more that 11 months ) because U.S bank could not make a decision.
I summary I have never experience anything like this. It has been over 4 years since my balloon was due and I made numerous attempts to resolve it. There is about 4 years and 4 inches of correspondents which is too much to email. I have sent you the statement from XX/XX/XXXX showing my balance and the amount due. I can mail the rest of file if it is requested

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 10-05-2016 about Credit card () with U.S. BANCORP (CA).
Issue: APR or interest rate

Complaint: We are lodging a complain against US Bank. My husband is an XXXX XXXX service member with the XXXX, XXXX. We opened our US Bank credit card in XXXX of XXXX. I, the spouse, am the primary card holder. As such, US bank is denying us SCRA benefits unless I provide a court order stating I am financially dependent on my spouse. When we obtained my husband 's credit report, US Bank shows on his report, proving that he is a guarantor on the card and not just an authorized user. 
In XXXX of XXXX, we received a letter asking for a court order stating I am financially dependent on my husband before they would give us SCRA benefits. In response, I sent in our XXXX tax statement proving that I earn no paycheck as I am a stay at home mother. They sent the same denial letter in XXXX of XXXX and we brought this to the attention of a military attorney, who wrote a letter on our behalf explaining that we are, indeed, entitled to SCRA benefits. At this time, we are awaiting response from US Bank.

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 05/31/2016 about Payday loan () with CMK Investments Inc (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan with All Credit lenders in XXXX, Illinois XX/XX/XXXX or XX/XX/2015.They are taking {$50.00} out of bank account every XXXX weeks. The loan was for {$300.00}. I have never received any statements.I have asked to be mailed to me or emailed. The email they gave me to read my statements did n't seem like a legit The account was down to {$190.00} after I complained about the excessive charges. they claimed it was do to a computer glitch. Now the account is back up to {$230.00} the company states I did not come in XX/XX/XXXX or authorize for them to take it out of my bank account in. This is not true. I asked that a manager phone me. I have not received a call. For a {$300.00} dollar loan I feel I have paid over the amount of fees and charges. They harass me for the payment prior to the payment date. However, I can not get cooperation why my loan never seems to be going down. Please help me. All Credit lenders XXXX XXXX XXXX XXXX XXXX XXXX. Thank You in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief