milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XXXX XXXX, 2017 I spoke with Equifax, XXXX, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2013 for about {$4500.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have NOT found any help. Not to mention how did {$4500.00} go to {$5100.00}?

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 12-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am on a XXXX with automatic withdrawal set up by Navient. First Payment was made XX/XX/2016 ) An automatic withdrawal was made of XXXX. The balance at the time before payment was made : XXXX which means I have over paid by {$300.00} XXXX attachment of time stamp XXXX ) My account reflects a balance owed of XXXX cents- see attachment of time stamp XXXX ) Allocation of funds are incorrect and not adding up- see attachment for details A concerns and situation I have expressed and experienced BEFORE in previous complaint w/ Navient. 
XXXX ) I do not want to be falsely reported to credit bureau AGAIN like in previous complaint XXXX ) I have over paid how is this affecting my account and debt? 
XXXX ) Allocation of funds needs to be CORRECTED IMMEDIATELY since I am on an auto payment set up by A NAVIENT RATE REDUCTION REPRESENTATIVE. 
With all these running issues I have contacted Massachusetts Attorney General XXXX office and State Senator XXXX office to help communicate on my behalf to elevate these problems and NO RESPONSE from Navient or resolution has come from it. 
The CONSISTENT PROBLEMS & SITUATIONS Navient has been putting me through are EXTREMELY OVERWHELMING, BEYOND STRESSFUL and UNFAIR! 
Their lack of communication, responsiveness and accountability with these situations/issues are XXXX. 
A payment of XXXX is scheduled to be withdrawn on XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo has continuously lost documents including my quit claim sent to them a number of times, delaying and causing me to have a decision on a modification postponed numerous times over the past few years. 
Modification trial payments were made and all documents were sent in again and again and again upon request from Wells Fargo because they continued to lose documents. Wells Fargo send me final documents with wrong information on the documents and did not follow guidelines per the quit claim. Wells Fargo assured me they would resend corrected document. I never received corrected documents. Wells Fargo has escalated to foreclosure on my mortgage. I have received a new letter stating they are willing to work on another modification at the same time they are working on foreclosure.

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 04-06-2016 about Debt collection (Payday loan) with Direct Capital (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I took out a payday loan that was eventually included in my bankruptcy back in 2011. Since then, every 6 months I get a batch of phone calls from a new company who purchased this bad debt and sold it to another that does the same and so on. This latest company, Direct Capital/XXXX, has had it for some time and is relentless in their phone calls. Even worse, they are calling my parents who tell them I do n't live there but it does n't deter them from calling. I have actually spoke with various representatives and explained my situation, gave case numbers, etc. and many have 'found ' my bankruptcy and assured the calls would stop within days. They do n't. I contacted my bankruptcy lawyer who says to use the words 'harassment ' when dealing with them, as this is what it is at this point, but yet the calls continue. My parents are looking to me for a solution, for which I have none. Worse yet, the number they leave, XXXX says they are unable to answer at this time ... and never are.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 XXXX 5 ) ( A ) of the FCRA - they are required to " ..Promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: When applying for a XXXX account online on XXXX XXXX I was given the option to fax in a form to use a credit card or debit card for funding. I called on XXXX XXXX to see if I could speed up the process and complete the funding by credit card over the phone but was told they would no longer accept that type of funding per corporate communication that very day. I asked if any of the faxed forms would be processed if it was already received and I was told it would not. 
XXXX, a supervisor, gave me a call back on XXXX XXXX to explain that they could no longer accept this type of funding. Because I was given the option upon completing my account registration online, I believed that I should still be given the option to fund by credit card unless there was something stated in the terms and condition that the option could be taken away at any time without notice. XXXX could not verify that there was any such language in the terms and conditions to that effect. 
I think anyone who signed up for an account prior to this new exclusion to funding sources should be allowed to complete funding under the previous rules unless it was otherwise stated in writing prior to signing up for the account that the option could be removed at any time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed this account several times, asking for verification of the information that XXXX XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014, However I have yet to receive a copy of an Agreement that I signed, or what the contract was for.

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 10/17/2017 about Checking or savings account (Other banking product or service) with BOK FINANCIAL CORP (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Sunday Morning ( XX/XX/17 ) I went to deposit my money into the local ATM at Bank of Texas at XXXX XXXX XXXX. I do not have an account with Bank of Texas, but the ATM is partnered with my online XXXX bank account. The ATM malfunctioned and took all of my money. I lost {$1000.00} in that machine. XXXX wo n't help because they said there 's no transaction/deposit/withdraw to dispute bc the ATM did n't finish the transaction. Bank of Texas wo n't help because I 'm not a customer there. My money is there. No one will help me. Please help me bring awareness to this. I 'm desperate for my hard earned money back. I also have a error receipt stating the machine malfunctioned attached.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: A XXXX door-to-door salesperson was attempting to sell me XXXX services. At first I agreed until I researched the circumstances on my phone and found there were some cases of fraud in a similar situation in my area. The sales representative called an individual on the phone who asked for my social security number in order to do a credit inquiry and I said no. The lady on the phone then said she could look up my 'secret questions ' to confirm my identity for a credit inquiry. I was placed on hold for several minutes and the phone hung up. At that point, I refused the service. I never game my SSN, and I never answered any secret questions for my XXXX account. I was alerted to a change on my credit report today ( 2 days later ) where XXXX had performed a hard inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Vehicle loan or lease (Loan) with BB&T CORPORATION (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I filed bankruptcy and XXXX XXXX XXXX has added additional interest and late fees to this account. The amount listed on the bankruptcy was XXXX but they are telling that I must pay {$14000.00} and every day that I 'm late I will be charged {$7.00} per day. I had this car since XX/XX/XXXX and the loan was for 7 years which means this car should have been paid for in XX/XX/XXXX. I also requested a  validation of debt and they have not been able to provide this to me. I 'm not sure why I 'm being charged all these fees when the bankruptcy was discharged.

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 06/13/2016 about Consumer Loan (Installment loan) with CITIBANK, N.A. (ID).
Issue: Managing the loan or lease

Complaint: Home Depot financed repair & restoration of my kitchen severely damaged by water leak + upgrade in kitchen cabinets at the same time. Approximately {$14000.00} at no interest. Monthly payments all on time, but recently received a bombshell cumulative interest added of {$6000.00} +, when the principal was about {$3000.00}. Now the balance is {$9000.00} +. I outraged by this scam, and want to take legal again against them.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I paid off XXXX past owned credit cards that were placed in collections. I was not aware they would n't delete the items.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with PNC Bank N.A. (WA).
Issue: Struggling to pay mortgage

Complaint: PNC ( subordinate lien ) is countering the short sale to receive a full pay off based on exterior only value of the property. They are going off of a drive-by BPO value ( {$430000.00} ) which can back completely out of range of true fair market value. It is common knowledge that a drive-by BPO does not property asses the property value because interior defects are not taken into consideration. The first lien is being paid off in full and we are offering PNC a handsome net of {$70000.00} which they are denying because they are refusing to order an interior BPO to get true property value. Even with supporting documentation to support our offer amount of {$33000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Bureau did not accurately verify collection account. They did not produce a contract with my signature.

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 04/22/2018 about Debt collection (I do not know) with Professional Credit Analysts of MN, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: From or around XXXX thru XXXX my identity has been used by others who lived with me or family members that didn't live with me but knew my information, they used my personal info to receive credit, loans, items under my name. They used my computer, internet, phone, address, personal documents. They had access to all of this because I kept my files in my home fully accessible. I did not monitor my credit report on a timely basis, however some credit issues are just appearing that are dated years back. I'm being haunted with all these issues now.

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 10/27/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (MN).
Issue: Settlement process and costs

Complaint: My mother passed away XXXX XXXX. Wells Fargo was sent her death certificate in XXXX. They refused to speak with me or take payment. I faxed and overnighted a court order appointing me personal representative of her estate 4 times. They refused to talk to me. I sent a XXXX letter of Testimony from the court and was told it would be a week before they could speak to me and another week before they could give me the payoff amount. This is now XXXX XXXX!! In the meantime they locked the property but say they have no record of it. Sent letters to my mother 's former work address instead of her home. Requested I have her sign a release form. Sent a lawn service that called the sheriff on ME for trespassing. Now I 'm given the amount with extra fees and interest and told the drive by inspections will continue.

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 10/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I fell behind on my mortgage when the XXXX went through an economic collapse. I have tried to work things out with my servicer but got no cooperation. I was forced into bankruptcy because the current servicer ShellPoint refused to offer assistant for me to keep my home. I submitted all paperwork for a loan modification to ShellPoint Mortgage earlier this year. I qualified for the program. During that time, ShellPoint pretended not to get the paperwork. After stalling for months, ShellPoint approved some type of trial plan that has mystery terms that they do not disclose. I have been forced to make payments on a trial plan and this servicer has not disclosed the new principal balance and interest rate. I was hoping for a reduced principal balance but I believe that this servicer is discriminating against me because of my XXXX background. To this date, ShellPoint has not given me a chance to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (GA).
Issue: Money was not available when promised

Complaint: I have XXXX bitcoins stored in Coinbase (currently about $3000+). On XX/XX/XXXX, I tried to sell and withdraw it to my bank account, but I couldn't because for some reason Coinbase couldn't verify my ID. The ID information that I submitted to open the account was obviously sufficient for me to buy bitcoin, but now they won't let me withdraw my money. On XX/XX/XXXX, I contacted their support center and explained the issue. I got an email back (probably automated) saying that they were looking into it. Then I didn't get any response for a week. On XX/XX/XXXX, I sent another email asking for a response and said I would go to the Better Business Bureau if nobody responded soon.

No response. I went to the BBB. Another week later, XX/XX/XXXX, I got an email with instructions to help me verify my identity. The email instructed me to respond once I had completed the steps. I completed all the steps, but they didn't work. I still can't withdraw my money. I responded to the email asking what to do and got no response for another week. On XX/XX/XXXX I went to their support center again asking for a response, and saying I would go to the CFPB if I didn't get any answer within 48 hours. 48 hours passed, no response. So here I am.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: We have been getting calls every day from Midland Credit Management. When we answer no one is there. The only reason I know it 's Midland is that I called back. We have NO debt, and have had no debt for over XXXX years. This is either an erroneous call or fraud but since no one answers when I pick up we ca n't even address that issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I ordered a gift card through XXXX XXXX on XXXX XXXX, XXXX. The card was never delivered. I have called the support line about 6 times since then, and have been very frustrated with the lack of results in crediting the XXXX points back to my account. 

My most recent conversation was with a supervisor named XXXX on XXXX XXXX, XXXX. While friendly, he was ultimately unable to credit the points back or do anything of significance to move the process along. He told me that a request had been made on XXXX XXXX, XXXX to defund the undelivered gift card and return the points to my account. On two previous calls to the support line, I was quoted a 30-day wait time for the process. XXXX told me that the wait was 60 days. 

Today is XX/XX/XXXX. It has been 77 days since XX/XX/XXXXwith no results.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: i have applied for a mortgage loan with wells Fargo and locked the interest at 3.125 for 90 days, we had some delay in the loan with the seller due to contingency of her buying a new home, but we still in escrow and we going to close next week, and we still in the fame time that we locked the interest when the loan was canceled ( XXXX than 45 days ), paid for apprasial fee, had to reschedule the apprasail for 2 times and then the appraiser cancel the order, and the loan got approved as i sent all he needed paper to them .last i discussed with the agent 2 weeks before canceling the loan was their request to remove my wife from the title as her name is not in the loan, and he said that he is going to check with his assistant as he did n't know anything about the request and i asked him to order a new appraisal .i never mention anything about canceling the loan. agent was supposed to call me back to see about my wife and to reorder the appraisal. agent decided to cancel the loan without my permission loan was canceled on XXXX XXXX, even until this minute after 90 days i did n't get anything in the mail saying loan was canceled, i complained and they said they are going to have the higher management look into it .it took them 3 weeks and then they asked for more time, then they said they are not going to change it and the interest will be what it is now which is higher at time 3.785. call them again and they said to give them 3 more weeks and i got a call yesterday needing more time .i do think they want to go somewhere else and either loose the house or get loan from a different bank .they are trying to waste my time, so i decide to contact you to protect my right, and to stop other people from having the same bad treatment .i thought i do have a contract and they did n't respect our contact, i am ready to send a copy of the loan estimate upon request and ready to prove that no communication had happened between me and the loan agent since the day i asked to get an appraisal and question about my wife and the day they cancel the loan as the agent said i called him and i said that the deal is not going forward which is a big lie and i can prove that .until this minute still waiting for their non sense and time wasting decision.

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 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation