milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NEW YORK COMMUNITY BANK (CA).
Issue: Struggling to pay mortgage

Complaint: We were notified by New York Community Bank inXX/XX/XXXX that our HELOC was going to " expire '' in XX/XX/XXXX and the entire amount would be due at that time. Our original loan documents state the loan terms would end in XXXX. I called and was told this was not true and the letter had been sent in error and that nothing is due. We had filed for bankruptcy and the loan was discharged in XXXX and not re-affirmed. They said all a payments were voluntary. We called many times and were told by New York Community Bank that they were no longer doing any of their HELOC loans and we had better find another lender. We were then sent a new letter stating that our loan would expire in XX/XX/XXXX and this letter referenced our Bankruptcy. We contacted our bankruptcy attorney and she stated the bank violated the Bankruptcy stay by sending us the first letter. But to sue them we would have to pay to do so. We are struggling financially and have missed some payments. She suggested we offer them money to try and buy the lien. We have made offers and now they wo n't even return our calls. They sent an appraiser to our house and when we received a copy of the appraisal they compared our home to homes in a different city with views of the ocean and another home that was one bedroom larger than ours. I spoke with the appraiser when he came in Mid XXXX. Then when we asked for assistance the single point of contact sent us a letter stating they may do an appraisal and requested we pay for it. The appraisal had already been completed at that time. Our HELOC was an interest only loan which was/is predatory in nature. When I tried to get assistance from them back in XXXX they informed me the Obama program did not pertain to HELOCs. I then found an article stating that New York Community Bank was selling all of its HELOCs that it had acquired from AmTrust to XXXX XXXX this article was dated XX/XX/XXXX the banks deal will go through in the third quarter. So it looks like NYCB is trying to call all HELOCs due and not sell them to XXXX XXXX. Ours was one of those as were many others. But they called all of the HELOCs due and gave consumers three months to pay these amounts and if they do n't they can foreclose. What are families going to do? I do n't have XXXX XXXX dollars to give them and how does one of the largest ( wealthiest ) banks in the US not work with families. They wo n't even return my calls.
History : After our bankruptcy discharge they refused to send us statements and they punished us by refusing to credit my payments which were paid in full on our account which I was able to access on-line they broke up our payments into small amounts and said they were short payments. When I called no one I talked to could explain it and they said they would look into it and call me back ... they never did. I have attached a copy of what I was able to print out. I am not able to access my " account '' at all for the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX, XXXX a certified letter was delivered to Kohl 's to validate a debt that was on my credit report. I did not receive a response from Kohls within 30 days. I sent Kohls a non response letter on XXXX XXXX, XXXX I sent a no response letter. I have yet to hear from Kohls but I am now hearing from XXXX on behalf of Kohls debt. Kohls transferred my debt during the XXXX. timeframe. Which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I XXXX are requesting as of XXXX/XXXX/2016 a temporary credit freeze be place on my credit file at Equifax XXXX and XXXX and all other national credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (VA).
Issue: Money was not available when promised

Complaint: I sent {$1600.00} to an individual in ohio. I was required to provide a girst and last name of the recipient so they could be identified. The recipient went to a walmart store to pick the money transfered up and was informed there was hold on the money sent. I was forced to call customer service to have the hold released. I have called three different times and have been placed on hold for over an hour each time. Now the person who has been trying to recieve the money has been waiting for over three hours. The cash money that i gave to moneygram is held up and can not be released. Why is there a hold on cash money?

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Checking or savings account (Checking account) with BANK OF THE WEST (CA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I have an automatic bill-pay set up with a merchant to sent out twice a month ; on the XXXX and the last day of every month to correspond with my pay-days. For some reason even the bank admits they have no explanation or backup for, they sent this month on the XXXX instead of the XXXX, causing my account to go into a negative balance. I had called my bank to find out why and to make sure I would not be charged any overdraft fees. The Bank has refused to do so, even though I can show that every past payment has been made on the last day of the month or later. 

Bank of the West has a history of manipulating transactions to maximize overdraft fees ; they were forced to pay {$18.00} XXXX in a class action lawsuit in 2012. I respectfully request any overdraft fees resulting from their mistake to be rescinded.

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 09/26/2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: To whom it may concern this is a ongoing problem with the practice of this business after I was being told there be no more further collection and their statement was forwarded to Department of Business Oversight of California I still continue to receive different types of collection agency attached is the documents trying to have a mutual agreement they had ( 4 ) different licenses and ( 2 ) different addresses neither from California also 4 enforcement actions. I was unaware of their practice.

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 07/28/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (SC).
Issue: Problems when you are unable to pay

Complaint: i bought a truck from a car lot in XXXX sc who got it fiainced with a place called western funding out of XXXX nv at first i didnt get a payment paper so i didnt no where to send any money than after that in XXXX 2016 i stop reciveing my payment papers no letters from them nothong so friday XXXX/XXXX/16 they had my truck repoed and told me i had to resumit my paper work to let me no XXXX hours later they told me i could not have my truck back it was going up for auction on XXXX/XXXX/2016 i was dont wrong from day one i have money to get my payments caught up with biut they tell me no i thnik something needs to be done it is not right

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My credit report is showing XXXX individual student loans dating back to XXXX when I first started college. All of the loans have been consolidated into XXXX big loan and deferred because I 'm currently in XXXX XXXX, I can also see the consolidated loan on my credit report. Should n't those XXXX individual loans have come off my credit report. Now it looks like I have double the amount of loan debt and on top of that the XXXX loans are showing delinquent in payments even though they have always been deferred til XXXX. I tried complaining to navient them showing delinquent but they claimed there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian is the only credit reporting agency that has not complied with creditor 's request to remove a derogatory account from my report due to fraud. I have made multiple attempts between XX/XX/XXXX and XX/XX/XXXX to have the " XXXX XXXX '' account deleted. I filed another dispute on XX/XX/XXXX, that included a copy of the letter ( attached ) from XXXX XXXX XXXX ( dated XX/XX/XXXX ). Update received from Experian on XX/XX/XXXX still shows the delinquent account on my credit report. 
This account was closed in XX/XX/XXXX but accessed and charges were made without my knowledge and became delinquent in XX/XX/XXXX. I became aware of the account on my report in XXXX of 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 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: on XX/XX/2017 I received mail fromTransUnion and the letter stated that 9 items was deleted. I was't notified, which is required by the FCRA, that these items will be reinserted. The original letter showing the 9 items was deleted will be in the attachment below.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I'm a victim of identity theft someone got my information and opened up lots of accounts in my name XXXX, XXXX XXXX, XXXX, XXXX those account don't belonged to me and would like it to be 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 07-07-2017 about Debt collection (Auto debt) with FORD MOTOR CREDIT CO. (LA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Ford Motor Credit Company Share information regarding vehicle and attempt to discredit my family credit. I purchased the Ford Focus after my car was destroyed in XXXX Parish. In addition, after resigning from XXXX XXXX XXXX XXXX the XXXX Pension and Benefits were delayed which payment of my XXXX XXXX XXXX. The XXXX XXXX was repossessed because I reported XXXX XXXX and corrporation with XXXX and XXXX personnel. I would like an investigation with the Toyota Dealership located on XXXX XXXX and Ford Motor Credit Company. I truly believe these activities altered my economy recovery. Also, I truly believe XXXX XXXX XXXX, XXXX, XXXX, XXXX and the State of Louisiana are aware of these issues. <P/>I truly believe the Louisiana School Board, City Counsel and Churches within the State of Louisiana may verify this criminal activities. <P/>XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX may provide additional information. <P/>During the 3 past years my cars were destroyed, vandalized, and stolen while living in XXXX XXXX XXXX XXXX, TXXXX XXXX XXXX - XXXX, Louisiana, and XXXX XXXX XXXX, XXXX, Louisiana. <P/>Also, occasionally I am attacked by dogs when leaving my resident. <P/>Please contact XXXX XXXX for verification of resident. Also, please contact the XXXX Parish Sheriff Department for detail incidents reports.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OR).
Issue: Confusing or missing disclosures

Complaint: I hold virtual currency in a XXXX XXXX provided by Coinbase.com. 

To withdraw funds from the XXXX XXXX I must respond to one request for authorization that is sent by Coinbase.com to each of two separate email addresses I provided to Coinbase.com for this purpose when I set up the XXXX XXXX. 

Unfortunately I am unable to access the second of the two email accounts I provided for this purpose and, though I am actively trying to recover access to this email account, I CAN NOT AFFORD TO WAIT FOR IT 'S RESOLUTION BEFORE I NEED TO ACCESS MY COINBASE.COM XXXX. 

On XXXX @ XXXX XXXX PST I contacted Coinbase.com with a request to fix this problem and received an automatically generated response which states " Thank you for submitting your request. Due to increased volume it may take several days to receive a response. '' This is not a response that is appropriate to a company entrusted with the management of customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am a parent of a current undergrade that is paying off a loan, for my child, from XXXX/Navient. I have been paying " the interest '' on this loan for XXXX years now! I find this very ridiculous. now the company has split in XXXX and my account is listed under Navient. I want to know what is being done to stop XXXX/navient of all their wrong-doing for these types of loans! Sometimes the balance of the loan would go up instead of down! If you 're late, XXXX/Navient will harrasse you constantly!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My personal information has been exposed on a fraudulent credit reporting site, 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 07/28/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am resubmitting a complaint to chexsystems because in their response they refused to remove the fraudulent inquiries that have appeared on my chexsystems file due to my police report date not being close to the new fraudulent inquiries. I have filed another police report listing XXXX and XXXX. I have not received the letter they stated they sent with the new report. I have yet to see what is on my Chexsystems file but the only inquiries that should be listed are XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Any other inquiry on my file is fraudulent. I also never requested for a fraud alert on my XXXX file. They mentioned that I can dispute through them XXXX to remove the fraud alert on my consumer risk file XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NC).
Issue: Shopping for a loan or lease

Complaint: BB & T MADE A HARD INQUIRE ON MY CREDIT REPORT DATED FOR XXXX/XXXX/2015 AND HAS FAILED TO SEND ME PROOF OR REMOVE IT FROM MY CREDIT REPORT IN A TIMELY MANNER

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Park View Credit (TX).
Issue: Fraud or scam

Complaint: XXXX XXXX XXXX charged my credit card {$450.00} in XXXX XXXX and was to have completed my account within 6 months. I watched from my online account and saw XXXX activity, contacted them and all the information I had sent them via emails were supposedly not received and started all over at that time. It 's been since XXXX and once again I have heard nothing so I tried to reach them via email and phone and none of my messages are getting through. 

XXXX XXXX XXXX XXXX XXXX XXXX, tx. XXXX XXXX ext. XXXX

Company response to consumer: Untimely response
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Dear Experian, XXXX And XXXX, Experian, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX DIST COURTBKXXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXX DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back to 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 non-monetary relief
Consumer complaint received 01/28/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (TN).
Issue: Using a debit or ATM card

Complaint: I am writing in regards to my Regions bank account. When you call the automated system to verify that checks have cleared my account, the system says that the check has cleared and then the funds are taking out the account. Several days later the money goes back into the account and the check is returned. But the automated system says it 's paid. I also filed for a loan on XXXX different occasions and the never received a denial letter from the bank. The first time I went in I applied for a loan, no letter. Go back a second time and apply with a co signor with a XXXX credit score. I then received a letter of denial but the co signor did n't receive a denial letter. Go back and speak with the branch manager and he stated I could receive the loan with co signor. He stated he did the loan but was denied. Still no denial letter. This is blatant discrimination.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/14/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 I received an email from Citibank informing me that the checking account that I had with them for four years was being cancelled, effective XXXX/XXXX/2016. No reason was given, other than to say " Please know that this action does not reflect any dissatisfaction with you or with your relationship. '' After receiving this, I called them and was told this was a business decision from the top and could not be reviewed. Therefore, as of XXXX/XXXX/2016 I redirected all my direct deposits to a new account at another bank. As of that date there was a XXXX balance, in anticipation of the accounts closing on XXXX. On XXXX/XXXX/2016, despite the XXXX balance, Citibank paid a draft from my account to XXXX XXXX XXXX in the amount of {$94.00}. Apparently realizing their mistake on the following day, XXXX, they credited the account back {$94.00}. However, on XXXX they again paid XXXX XXXX {$94.00} from the account with no balance. The next day, XXXX, they credited the account {$94.00} again. In the meantime they assessed a returned check/NSF fee of {$34.00} on XXXX, another {$34.00} fee on XXXX, {$50.00} service charge on XXXX ( a month after the account was purportedly to close ), another overdraft fee on XXXX. After all these fees they are still showing an open account with a - {$280.00} negative overdrawn balance. On XXXX I wrote to Citi asking what was going on and why the account was still open. I requested it be zeroed out and closed, per their original email. I received a reply from XXXX XXXX XXXX, dated XXXX/XXXX/2016, in which she wrote " We are sorry to find that the account has not been closed yet, we have escalated this situation with our back office. Your account will be closed in the next few days. Please advise ( XXXX ) that you may receive a last statement proving the account closeout and the XXXX balance. '' As of this date the account remains open showing the {$280.00} overdrawn balance.

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