milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Prepaid card (Other special purpose card) with PAYPAL HOLDINGS INC. (TX).
Issue: Unauthorized transactions/trans. issues

Complaint: Wo n't help let me withdraw if no money in there i Will make payments plan but refused

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Below is an email I just sent to Freedom Mortgage. My loan number is XXXX. I just received a letter from Freedom Mortgage that said my monthly payment is increasing from {$1100.00} to {$1400.00} in XX/XX/XXXX. The reason my mortgage payment is going up is these idiots believe that my city taxes for XXXX are going to be {$5200.00} ( {$2400.00} in XX/XX/XXXX, and {$2700.00} in XXXX XXXX ). I just spoke with the treasury office in XXXX, and my property taxes for XXXX are {$2900.00} and paid in XXXX XXXX only. Nothing is due in XXXX XXXX. I have a copy of my tax bill for XXXX and forwarded it to Freedom Mortgage. 

Please help, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX Hi, Please see attached city tax bill from the city of XXXX, Michigan. My XXXX XXXX escrow payment is increasing from {$400.00} to {$600.00}. This is increasing my monthly payment from {$1100.00} to {$1300.00}. 

From the Escrow Account Disclosure Statement, freedom mortgage is going to pay city taxes to XXXX on XXXX XXXX in the amount of {$2400.00} and in XXXX XXXX in the amount of {$2700.00} for a combined amount of {$5200.00} This is incorrect. My city taxes for XXXX for XXXX are {$2900.00}. Freedom Mortgage is overcharging my escrow tax account by {$2200.00}! 

This has been the second time Freedom Mortgage has been incorrect with tax information. First, my XXXX taxes were not paid until XXXX XXXX, and they were due in XXXX XXXX. 

This better be solved within the next week. I am filing a complaint with the Consumers Financial Protection Bureau. This is gross negligence. 

Thank you, 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax found out in XXXX that they had been victim of a hack that exposed my personal, identifying information as well as my credit report. My information has been confirmed to be included in the hacked information. I have been a victim of identity theft in the past, and the most recent incident was around XXXX, when the hack took place. Equifax should have notified us as consumers about the hack as soon as they knew ; instead, they chose to sell their stock and hold onto this information until they deemed it necessary to let the cat out of the bag, exposing me and millions of others to potential theft and loss of funds. I have personally lost several hundred dollars in fees and interest to people who stole my identity since this breach took place.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I 've called Experian at least 4 times in 3 days. XXXX hour holds and then hang up. No one picks up the phone. I 've ordered to review my credit report. The first 2 days they showed all three scores great ; however within my 14 day trial I have not been able to review anything other than the experien score. I tried calling no response so I tried cancelling and still no response. This is my last resort. I 'm still in the trial period so they should not charge me anything extra.

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 08-08-2017 about Debt collection (I do not know) with Meade & Associates, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have an unverified account from MEADE & ASSOCIATES. I had previously disputed this account. I have never done business with MEADE & ASSOCIATES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MEADE & ASSOCIATES provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MEADE & ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Medical) with Credit Bureau of Lancaster County, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted  XXXX   XXXX  after noticing that this alleged account was removed  THREE  TIMES in  XXXX  - specifically  XXXX   XXXX  and  XXXX   XXXX ,  XXXX , and  XXXX   XXXX ,  XXXX . This collection agency has reinserted themselves back as Credit Bureau  of Lancaster,  to which I never got the 5 day notice & this is a FCRA violation. I have asked them for my contract with them and they have failed to sufficiently verify the alleged accounts, which they sent me different bill print outs ( not original ). They have also failed to provide my contract and signature with them because  XXXX   Hospital  does not have these records, and was referred to contact  XXXX   XXXX   XXXX  who handled some old accounts according to  XXXX  Hospital, they too have no records. Today,  XXXX / XXXX / XXXX  - I called  XXXX  today and spoke to a rude representative who stated that they could not give me information on the account. My calls are ALL recorded, and available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (I do not know) with ERC (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX / XXXX /  XXXX   received call at  XXXX   XXXX   XXXX  . Caller refused to give me the name of the company I asked 7 times on the recorded line. I then asked for a  manager  and caller hung up. I called back to speak to  a manager  who gave me their address which is misleading and deceptive as they are calling from  XXXX  a PA number but their address is in Florida. The  manager told me  that they buy telephone numbers to call people in other areas. I find this to be completely misleading and deceptive. The name of the company is ERC at  XXXX   XXXX   XXXX   XXXX  Florida

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: On the XXXX I recieved a payment in Bitcoin from XXXX I immediatly recieved the payment including an email from Coinbase saying I will be able to use the funds after 6 confirms. 

I 've been waiting 1 month now to be able to use the money. 

Today EXACTLY 1 month after recieving the bitcoin payment it suddenly DISSAPEARED of my coinbase wallet ( transaction list ) So I basically got scammed by Coinbase the company.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient has sytematically and illegally failed me at every stage of the student load repayment process. Navient has also systematically failed me in the beginning stages of loan origination. Navient 's response that the lawsuit is politically motivated is a copout to their known, intentional, and repulsive activities. Navient 's response infuriates me because I do n't need to research how they 've failed consumers. Citations are not needed for me to understand what they 've done. I have my own personal experience with Navient, its subsidiaries, and its associates. I am repulsed by Navient 's attempt to dodge responsibility under the cover of politics. I am repulsed by Navient 's effort to justify their evil mistreatment of consumers at every stage of the loan process. Furthermore, Navient 's response infuriates me because I have no recourse other than the hope of the Consumer Financial Protection Bureau 's lawsuit. Navient and their associates have literally intentionally lied regarding my private student loan. When it all boils down to it, it 's my word against theirs - regardless of what rules, regulations, and laws their collectors and associates must follow.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Transaction issue

Complaint: I have a credit card from capital one so in XXXX 2014 I made XXXX dollars over payment to my capital one credit card by mistake after one week I recieve e mail from capital one told me in 7 to 10 buisness days I we 'll recieve my money back by check but I never recieve it I call the bank the told me we not gon na send u that money because ur account it 's restricted I do n't know why I said if u want to close my account send me my over payment money the told me u have a credit balance in ur card but we can not send u the money the ask me to send some document and after that the said we can not send the money I went to court to make a small claim the told me to go to this website to make a complain

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX continually does a HARD credit inquiry EVERY month alleging " approaching credit limit '' which causes my credit score to not only go down BUT adds additional inquiries to my total destroying my score. THERE IS NO REASON TO ADD HARD INQUIRIES EACH MONTH JUST TO SAY APPROACHING LIMIT AND RUIN MY SCORE. This is an ABUSE of the credit reporting system and is done in retaliation by XXXX to attack customers holding balances on their account. My account is current, NOT over limit and not in violation of terms and conditions STOP THE ILLEGAL HARD CREDIT INQUIRIES BY 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 03-01-2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (OK).
Issue: Settlement process and costs

Complaint: I am in the process of trying to close on a mortgage. The seller, XXXX XXXX, who will also be filing a complaint, refinanced the house appx 7 years ago. The original lien-holder, Dovenmuehle Mortgage Inc. filed the release of mortgage incorrectly. When the title company found this when she was trying to sell it to me, they contacted Dovenmuehle to get them to send in a correction. This was in XXXX. There have since been at least XXXX corrections filed, all incorrect, and clearly in violation of the Residential Mortgage Satisfaction Act. I am asking for help in getting this mortgage released so that we can continue with the closing process. The title company XXXX in XXXX, Oklahoma has repeatedly asked for a copy of the release before it is filed to make sure it is correct, and Dovenmuehle has refused every time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (Payday loan) with Evergreen Acquistions, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Evergreen Acquisitions continues to repeatedly call and harass my self, my mother and my father. Not only do they call their home phones, but in the last 2 days they have somehow found XXXX my parent 's cell phone numbers and are repeatedly calling on those lines as well. My father has repeatedly told them not to call him and in XXXX day they called him over 15 times. They told him that I had bounced checks all over the place and that they had not been paid since XXXX and that I was going to go to jail. While my father was telling them not to call him, XXXX said to him " blah, blah, blah '' and continued to harass him further. I am in the process of sending them a letter to stop communication, but I do n't think they will abide by it. 

In several instances, they called my house somehow making it appear on the caller ID that they were calling from the number of an acquaintance. I do not know how they do it, but I look at the phone and it shows my friends number, but it is them on the phone. They have left messages that say that it is a fraud alert and that someone is trying to open a loan in my name and then when I call back, it is them. They shout and yell on the phone telling me that I am going to jail for passing bad checks. I set up payments with them and missed 2. They are not the original creditor. 

They are causing major stress in my and my wife 's lives. My wife has XXXX XXXX XXXX XXXX which is why we have fallen behind and for them to call in excess of 25 times per day and also have their computer call with a fake fraud warning another 5 times a day is just not fair. We have rights, regardless of the debt being valid or not. This is just pain harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called to check my final dispute on some items that did not belong to me and spoke with a, rep at Equifax she told me that the conser affairs dept had my information and it was locked they could not access it so ask why she transferred me, this department was rude, hung up on me and told me they would not have discussions about my credit report and that every thing I disputed was added back to my credit report, I filed a, police report and sent to Equifax to go with my disputes every thing was taken off but re added I try to explain to the consumer affairs dept but they treated me like a, criminal I told them that I had identity theft problems and they needed to take these items back off they said there not going to do it I ask why am I being sent to this department they actually told me because I was disputing so many times on information that did n't belong to me they said I had to deal with them, I have been treated with disrespect, rude, hung up on very unprofessional attitude, they would not take these items I already disputed back off XXXX bankruptcies that did n't belong to me I even have addresses showing up that i never lived at and other accounts I never had, this department is bad on customer service and would not help when I told them I filed a police report they did n't care I even sent Equifax a copy I called a, liar no supervisor has called me back on this I want this resolved and my information. Taking fro this department all because I 'm disputing wrong information on credit report I 'm treated badly I want help and I want to deal with the, regular customer service about my credit report not consumer affairs dept, I want a resolution to this I will be filling with other agencies, I ca n't believe I got treated badly because I was just disputing my credit report because I experienced identify theft this, department needs to be talked to I Wil attached documentation showing they re added these items back after I disputed them off and I have the documentation and still called a liar by that department thus, document will show that my disputes were added back after being taking off by me after 30 days please resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I deposited 5 Bitcoin ( approx. {$50000.00} USD equivalent ) and the payment is listed as " pending. '' I opened up an email ticket ( # XXXX ) and I have not yet received a reply. I tried calling the support line but it said they can not help with this type of issue by calling on the phone. I read numerous of reports of this same problem and they claim they have been waiting for weeks for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with ALLY FINANCIAL INC. (ME).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: My husband and I returned our leased XXXX XXXX to XXXX XXXX after making EVERYsingle motnthly payment on time for three full years. Two days after we left the car at the XXXX, Maine dealership, we were called and told that we owed Ally Financial {$190.00} to repair a 2 '' scratch on the rear panel of the car. We were surprised when they told us to leave the car on the side of the building because they were busy, and that no paperwork was needed to drop it off, so we actually took some pictures of the car before we left. When they called us, we disputed that there was a 'scratch ' on the car and told them we had photos to prove it. They said they had to repair the scratch and we owed them {$190.00}! We had two or three phone conversations with Ally and told them we wanted to see pictures of the scratch, pictures of the repair, and the repair bill proving that they actually did anything to the car. They said they had already removed the car from the lot and they did n't have anything to give us ; i.e, "  just pay it. '' We told them we would not pay it until they showed us proof that what they were claiming was true. The phone calls stopped and we assumed they did the right thing and dropped their bogus sham. We learned a month ago that they reported it to the credit burea. How can they just report bogus information without even providing us proof that the charge was valid? Because they know it was not. This is abhorrently wrong ; there was no damage and we have photos to prove it. Let 's see them prove their case! Please have this ridiculously nasty attempt at extortion removed from our credit report. 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 monetary relief
Consumer complaint received 06/19/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: On XXXX XXXX XXXX I received a phone call from XXXX XXXX, demanding a payment of {$1000.00}. After my surprise I started asking questions, and I realized that this was a collection office, because they only identified themselves as XXXX XXXX. They said that they partner with Toyota. I have already file a complaint against XXXX. When I called Toyota right after I got off the phone with XXXX, I wanted to find out why I was never informed I have a balance.From customer service I got transferred to a different department. I was told that Toyota has no longer have access to the information I needed to hear. All questions should be addressed to XXXX. I explained that XXXX told me to contact them. After the initial call I contacted Toyota two times the same day and nobody could gave me an explanation. I asked to speak to a supervisor, somebody that could listen to me. I was told that the supervisor was going to say the same to contact XXXX. In other words I was denied to speak with a supervisor The last correspondent I received from Toyota was on XXXX XXXX XXXX. Will attached letter. On my third call to XXXX the same day I was told that it was a deductible from my car. insurance. On my first accident in XXXX, I have same model, same insurance coverage, with Toyota. The car was reported as a total loss, I did n't pay deductible because it was a total loss. In this case the car was a total loss too, I had the same insurance coverage but I have to pay deductible this time. Why?

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: For over seven years we have been trying to get our loan payment lowered to where we can stay in our home. Until XXXX, 2015 our loan payment was over our income. In 2015 our payment was lowered to approximately {$1300.00} dollars but it was still 70 % of our income. We can not afford that payment and also have had to invest money into our property because it was deteriorating. This has been making it hard plus many health issues that we have had. All we want is for our servicer to lower our payments to something reasonable and affordable. Every time they have helped us the loan modification was an in-house, which resulted in our loan balance now being at {$360000.00}, when the origination amount was {$230000.00}. This is a greater than a {$130000.00} difference. We were solicited at least three times resulting in these in-house loan modifications. We are preparing a summary of the history of these loan modifications and the solicitation letters we received. 
We currently try to get a loan modification every chance we get, and we get turned down with a letter telling us we have no loan mitigation options. Every time this happens to us, we get harassing phone calls from the servicer trying to get us to sell our home or turn our property over to them. They say that obviously the home is not affordable to us, but when we compare what is being offered in home mortgages in the market place to our situation we know that our home would be affordable if the servicer had not ruined our credit. We have now asked the servicer to comply with RESPA laws regarding answering our questions that we have asked repeatedly before. We are attaching the last letter we sent to our servicer. We waited to see if we would get response from them within 5 days regarding our Qualified Written Request before we forwarded this letter to CFPB. We hope, with help from the CFPB, we will get some results on a loan modification that will give us a payment that we can afford. We do n't care if they even raise our mortgage balance again ; we just need to have payments that we can make on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation