milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Did not receive a notice that debt was due until after it was sent to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Money transfers (Domestic (US) money transfer) with SYNCHRONY FINANCIAL (FL).
Issue: Other transaction issues

Complaint: I linked my XXXX XXXX XXXX checking account to PayPal and then used PayPal as an intermediary to pay a friend. I was given the impression that PayPal would deduct the amount I wired my friend from my checking account, similar to how Venmo payments occur. However, this never occurred. Instead, by linking my XXXX account to PayPal, PayPal slyly opened a credit card account unbeknownst to me and used the " funds '' on this credit card account to pay my friend. This credit card account is now in collections and I have been referred to a debit collector for an account I was never aware I opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: I transfered XXXX from my bank account to COINBASE. I did it 20 days ago and I have n't recieved the money into my Coinbase account. I have tried to contact Coinbase via email and phone in several ocasions and I have not recieve any answer. Attached is the bank transfer confirmation for a faster solution to my problem. 

My Coinbase account email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I opened an American Express credit card in XX/XX/XXXX, I made the payments monthly sometimes twice a month. In XX/XX/XXXX my mother XXXX, I was unemployed, I contacted the company and made every effort to pay but could n't. During this time, the company assured me that I had insurance for the card and that this insurance could cover the payments until I was able to find a job. Subsequently, the account went into charge off status and to this day, even though the card was in this status American Express continues to put on my credit report monthly that my account is late, even though the account is closed and in charge off status. This has also prevented me from refinancing my student loans which has extremely high monthly payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2016 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease

Complaint: I returned a lease car to Ally Financial / XXXX dealer on time after 3 years in excellent condition and low mileage. Always on time with payments. I received {$1300.00} bill for excess wear which are completely unfounded and fabricated. They did not give me a chance to fix what-ever they claim and did not inspect the car while we were present. They do not respond to my letter disputing the charges and say " either you pay or else ''. This practice is absolutely unethical and as far as I am concerned a consumer fraud. I also plan to file a claim with the Attorney General Office as well as filing a complaint with the Small Claims court. I would really appreciate it very much for any help or advise in this matter. 
Best Regards, XXXX 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 monetary relief
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Wells Fargo stole {$1200.00} from my checking account and then they intentionally DELETED  the transaction from my bank statement and online banking.    Wells Fargo com mitted bank fraud by deleting the stolen {$1200.00} transactions on my account.   I have the bank statements showing the transaction was DELETED.   They tried to cover their tracks of stealing the {$1200.00} by DELETING the transaction all together.   They never refunded the stolen  money. Wells Fargo has a l ong history of STEALING from clients. They are probably stealing money from millions of clients.

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 07-08-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Problems when you are unable to pay

Complaint: Im still trying to figure out the fees charged by this company and how my payments are applied. I was on a payment arrangement to make payment for a pass due amount. an amount that the company was saying was 4 months past due even though I make a payment every month. My car was repossesed even though I had arrangement to make payment. I was quoted an amount that was due to get vehicle back and a total due with repo fees. Once I paid the amount to get vehicle back I was told another amount. They said that they added a " Key Fee '', for a key that I did not receive when I picked up vehicle. I was also told that I had 30 days from the day XXXX picked vehicle up to make a payment, but the scheduled payments, which included the key fee, for today, but told me that I could call back and change to later if needed. I called today and was told no changes and that my vehicle would be repossesed again.

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 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is an old fraudulent, Identity theft account I had removed in XXXX it looks like it was sold to XXXX XXXX XXXX and just showed up on my credit report as a collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I was behind on payments and when I tried to make a paymeny arrangement, Navient refused to make an arrangement because it they said it had been too long and that the only thing I could do was pay in full to be up to date. Meanwhile, I have XXXX other loans that I have been paying. I still made minimum payments on the overdue XXXX, hoping they would work out a deal. I didnt even know that the loan had been transferred out to another agency and the payments I had been making did not apply to the loan and did n't transfer to the new agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (I do not know) with Midstate Collection Solutions, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Midstate Collection Solutions, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX IL XXXXContinues to send mail showing a debt from XX/XX/XXXX and XX/XX/XXXX. 

They also sent a false signature on a document from XX/XX/XXXX. 

This is NOT MY DEBT ... Also the FCRA states that any debt over 7 years old should be deleted from Credit Reports, however MSCSI continues to report this debt on my Credit File. 

I disputed this Debt with the Credit Bureau, and it continues to report on my Credit File ...

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: I applied for a new mortgage loan with XXXX over a month ago and have been denied due to the fact that Wells Fargo refuses to delete references to " bankruptcy '' and to take off an old statement from me regarding payments under the bankruptcy as being paid according to agreement ( Ch XXXX that is ). My Chapter XXXX was filed in XXXX 2006. It has been well over 10 years and Wells Fargo refuses to delete these references. XXXX, a company that works with lenders to correct credit reports conferenced me in with Wells Fargo TWICE in their attempts to have Wells Fargo correct these over 10-year old references to bankruptcy and Wells Fargo has flat out refused to do so. I would like to see them penalized with a maximum penalty and by whatever the law allows.

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 10/31/2015 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been trying to submit my modification package on my home because my interest rate is changing this month since XXXX XXXX BUT Ditech will not give me a valid fax number, I have spoken to several representatives that give me the following fax numbers of XXXX, XXXX, and XXXX BUT when I fax the information the fax machine returns a " unsuccessful fax transmission '' every single time and with all the fax numbers provided. When I tell the customer service representatives that I already have those numbers and that they 're not going through they state that they ca n't help me. I need urgent help in modifying my loan otherwise I will be forced to be foreclosed on IF they insist on not helping me and if my interest rate keeps on increasing.

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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a bankruptcy listed in my public records on my credit file that is not mine. It was either from someone with same name or fraudulent stolen information.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (AE).
Issue: Managing the loan or lease

Complaint: I am XXXX military member ( XXXX ) with the XXXX. Chase Auto Finance is refusing to pay on the GAP insurance/waiver coverage that I purchased at the time I signed the financing agreement. While stationed at XXXX I purchased a XXXX Cadillac ATS Premium and financed the vehicle with Chase Auto Finance. When I purchased the vehicle the original financing agreement included an option to purchase GAP insurance for an additional {$690.00}. The provider of the GAP insurance was " XXXX XXXX '' however I was also required to sign a GAP Waiver Addendum which stated that what was purchased was not insurance, but an agreement for Chase Auto Finance to Waive any deficiency in the event the vehicle was totaled. Chase Auto Finance agreed in writing for me to ship my vehicle to XXXX when I received military orders re-assigning me to XXXX. The letter explicitly authorized me to drive the vehicle here in XXXX while I am stationed overseas. The vehicle was totaled in an accident. Now Chase is refusing to honor the GAP insurance/waiver provisions because the loss occurred outside of the United States or XXXX. They are also refusing to release the lien on the vehicle so that the salvage value can be recovered and sent to the bank. I simply want Chase Bank to honor its commitment to cover the deficiency between the insurance payout and the remaining balance on the loan ( {$1300.00} if the salvage value of {$8000.00} is paid ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX 2017, I filed for Chapter XXXX Bankruptcy. My bk was discharged. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a discharged account. Discharged accounts can NOT be late-ever. 

Section 607 of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been discharged in a bankruptcy as " bad debt or late '' if the account was open and not discharged off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A DISCHARGED DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, 2017, I spoke to XXXX, XXXX  rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy Code, she refused to correct the severe damages to my credit report that they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with Allied Interstate LLC (MS).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: To All Allied Employees, This letter is to request that you Cease and Desist in calling back to back ALL day and night to the telephone numbers of XXXX XXXX ( XXXX ) and/or any third party contacts of relatives, neighbors, etc. in your efforts to collect a debt. You have been auto dialing the numbers back to back to XXXX XXXX 's cell phone and landline of resident, when someone answers, they get a hang up and the numbers are dialed back a few minutes later by numbers listed as XXXX XXXX XXXX XXXX when research in the Internet. The call are considered Robo Calls because there is no human person on the caller 's end when answered. This is strictly the callers intent to harass, annoy and intimidate. Listed below are the recorded calling numbers ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX The majority of callsUnknown NumbersIf you fail to cease the harassing phone calls or harassing efforts immediately, you face legal sanctions under applicable State and Federal law. If these calls are an attempt to collect a debt, I only deal with the original creditors, who have received certified mail that contact be written correspondence only. I have had no income since XXXX, 2014 in which ALL of my creditors were informed, I 'm Judgement Proof ( reason for the repeated harassing phone calls. 

XXXX XXXX

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 06/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a complaint with Nationstar Mortgage Services back in XXXX/XXXX/2015 - case # XXXX. Nationstar sent a resolution letter saying they everything was up to date. However, they started sending demand letters again in XXXX 2015. I have sent in supporting documents & canceled checks to confirm all payments have been made up to date. We have been sending in our monthly payments on time every month. We also asked why there were XXXX late charges in XXXX month - no one at Nationstar can give us an explanation. We have called numerous times and they say - '' will research '' and get back to us. No one has called as of today. We received another demand letter today via certified mail. We are under so much stress from Nationstar & their demand letters. They seem to send these letters out every month after they receive our payment. Please Help!! Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (FL).
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: Fed Loan Servicing continued to report in accurate inconsistent information on my XXXX & XXXX report.The current payment status on these loans is transferred and they continue to note that it is 120 days past due which is erroneous. They are to report 100 % accurate information by law but how accurate can the reporting be if there are so many inconsistencies. Their failure to accurately report my information is hindering me from obtaining financing from my business, especially for loans that are paid. I have sent numerous request to have this information corrected almost ever month in 2017 but they have proved unwilling to correct their mistakes.I have submitted a complete copy of my 40 plus page credit report where the inconsistencies are clearly outlined. The credit bureaus are claiming that they are only reporting what is provided by Fed loan and Fed Loan is claiming that they are only reporting what is indicated on my correct report from XXXX. Well ... which one is it? If there is NO PAST DUE AMOUNT REPORTED, how can it be 120 DAYS PAST DUE??? WHAT is 120 days PAST DUE??? XXXX DOLLARS? XXXX XXXX, Fix it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was identified by Equifax as having my personally identifiable data exposed in the security incident occurring between XX/XX/XXXX and XX/XX/XXXX, by checking the site : https : //www.equifaxsecurity2017.comXXXX, entering my last name and last 6 of social security number, which stated : " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I put a free government-allowed 90 day freeze request as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX turned my account over to this company for an error that was clearly XXXX when I tried to get them paid. They do n't know how to work their systems and now are attempting to collect a debt not owed to them. This collection agency did n't verify the validity of the debt prior to sending me a threatening notice to sue me and report to the credit bureaus if I did n't provide them with proof. I owe them nothing! XXXX should 've waited for a response to their last letter to me prior to turning my account over to collections. When I tried to get them to make sure the payment was made and to rectify the issues I was having with their systems and CS people, they did n't move this fast nor did they care. Now they think I owe them something I do n't so they 're aggressively trying to collect on a debt that is not owed by me to them. They had amply opportunity to take care of the debt when I asked them repeatedly to credit the rental policy refund to the auto policy balance due. They assured me it would take place yet sent me a check anyway. Because they screwed up I cashed the check because I refused to go through the hassled of turning that check around to them especially since I 'd repeatedly asked them to make sure I did n't get a refund! So if this collection agency wants to come after me I 'll happily sue them right along with XXXX! If they report anything on my credit I will sue both companies as well.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 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 11-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Residential Credit Solutions, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We have been dealing with RCS for the past year to complete a short sale. We did have an open Bankruptcy XX/XX/XXXX due to financial hardship and to help us with XXXX selling our property. In XX/XX/XXXX RCS files a motion to release property from the Bankruptcy. According to them it was released, but we were never notified. In XX/XX/XXXX with had submitted a strong buyer qualified to close on the purchase of XXXX XXXX XXXX in XXXX XXXX California. RCS Bank order the appraisal and reviewed the offer. On XX/XX/XXXX RCS counter offer at $ XXXX. We then submitted the buyers counter at $ XXXX after we had his inspections done. RCS requested more financial documents from us plus a payoff from XXXX XXXX Bank which took 2 weeks to get. All the info was sent a few weeks later. However on XX/XX/XXXX RCS canceled the Short Sale and put it up for auction to foreclose XX/XX/XXXX. All we need is a few weeks for RCS to allow them to finalize the approval of this short sale. However they said they need 37 days to review an offer prior to sale date. We tried to speak with supervisor and we were told they were busy and there is nothing we can do. I always try to be positive and do the right thing. We do NOT want this to go to foreclosure and we are asking RCS to conduct their final review of the short sale since we were at the end of the approval process. Thank you for your time.

Company response to consumer: Closed