milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: i got a bill from a debt collector co today XXXX/XXXX/2015 saying that they are working for XXXX XXXX the phone co XXXX i call XXXX and asked about this bill and the co trying to collect this bill for them.. XXXX bill was 5 years old ) AND PAYED..i was told by XXXX that they never gave the right to this in thair and the bill was very old and payed..that bill collector is portfolio recovery associates llc of XXXX va using a XXXX XXXX XXXX XXXX..this bill is NOT DUE them or XXXX it was payed it looks to me that this co is just looking to get money not due them, and now it showes up on my credit report too..what can a person do to stop this type of thing ..they are useing my credit report to get money out of pople how they dod this on bills not due ...

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Debt collection (Auto) with FIFTH THIRD FINANCIAL CORPORATION (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: My son and I were on an auto loan together and he could n't afford it anymore so we voluntarily surrendered the vehicle to the bank.we were told they would send a final bill after car is sold in an auction and have n't heard anything yet from them since we gave car back in XXXX 2015. Yesterday XXXX 2015 they somehow got my tenants number illegally and called her wanting her to disclose our personal information to them, like where we work and our phone numbers etc. And they also told her that we both may get a warrant for our arrest ... they have the car back so how can they threaten to arrest us for something we no longer poses? This bank has major issues and needs to be stopped..they had no right contacting my tenant and involving them and we do n't know how they got her number except googling it which should be illegal to do in this scenario. They also falsely reported on our credit reports that the car was a repossession not a voluntary surrender like it was.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017, and that you were listed as a potential victim

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Checking or savings account (Other banking product or service) with Coinbase, Inc. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: User email XXXXXXXXXXXX on XX/XX/XXXX I withdrew {$1900.00} from my coinbase XXXX account that was supposed to be deposited into my XXXX XXXX account ending in XXXX via Wire the reference code to that transaction is XXXX I never received my money and it has been 24 days coinbase website states their service assures that a wire takes no longer than 10 business days. I contacted my bank thinking maybe my bank rejected the deposit and they told me there is no record of my money being into contact with them. On XX/XX/XXXX I wrote coinbase support a email XXXXXXXXXXXX they told me it probably still pending. So on XX/XX/XXXX I contacted coinbase through their customer service phone number XXXX ( XXXX ) XXXX the representative told me the transaction says complete and I should have my money. After that she says she will make a complaint to the transaction escalation department and that they will be getting in contact with me through email. It is now XX/XX/XXXX and I have yet to hear from them. I still have {$2000.00} on their account and I am scared to withdraw with the fear of the same situation happening. I made withdrawals before with success never had a problem with coinbase until now. I am uploading a picture of the transaction with coinbase dated XX/XX/XXXX and my bank statement from XXXX to XX/XX/XXXX that proves there is no wire from coinbase

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (VA mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Settlement process and costs

Complaint: On XXXX XXXX our mortgage with Nationstar was paid off through a refinance. I called Nationstar who told me that it would be up to 14 days before escrow balance would be refunded. On XXXX XXXX I called Nationstar again about the status of the escrow balance refund and then they told me they had 30 days to refund me the balance. I asked for an urgent refund and they said okay that they would have it to me within the next XXXX3 business days and gave me a tracking number for the refund. 3 business days have passed and I contacted them today for the status and they said the refund had been issued but that it would be another 10 days before it would be sent. I asked for an urgent refund and they said that I would receive the check prior to 10 business days but the status of the tracking number that has been provided to me has n't been changed since creating the label. I was told at closing and several times by Nationstar that I would not have to wait more than 14 days for my escrow refund, but yet 28 days later I still have no refund. The money is not theirs!

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Debt collection (Credit card) with Javitch, Block & Rathbone LLC (IN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I WAS ALL READY SUED IN XXXX COUNTY COURT XXXXINXX/XX/XXXX CAUSE NUMBER XXXXBY XXXX XXXX XXXX XXXX , XXXX XXXX PLUS INTEREST OF XXXX WE MY SSA XXXX PAYEE MADE A PAYMENT OF XXXXCHECK NUMBER XXXX XXXX ACCT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHERE FILE NUMBER WITHOUT A CAUSE NUMBER XXXXCASE NUMBER XXXXXX/XX/2015BALANCE DUE XXXXPRINCIPAL XXXX INTEREST XXXX COURT COSTS XXXX I CAN NOT BE SUED FOR THE SAME CREDIT CARD AND OR FOR AND OTHER REASONLESS = DOUBLE JEOPARDY

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed multiple times with Transunion, XXXX and XXXX regarding the inaccurate reporting of XXXX XXXX. Multiple account are being reported that are not mine. 

XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2017 {$150.00} Original creditor : 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 05-05-2015 about Payday loan () with Enova International, Inc. (CA).
Issue: Charged bank acct wrong day or amt

Complaint: I called the lender and told them to take the money out three days later although they said they would do it they did not. This caused suck a huge strain on my bank account that I had to close it down. Now they say I owe XXXX and I will lose my job.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Most of my student loans are held by Navient. With Navient, I currently have {$63000.00} in student loans ( and counting, as my balance seems to get higher every year with 4 % -14 % interest rates ). I 've been paying them steadily and for the most part uninterrupted and on-time since graduating in XXXX. I have been on an income-based repayment plan for the past 3 years, as the monthly payment they were asking me to make was ridiculous. My XXXX plan expired in XXXX, and after speaking with someone at Navient, I put a temporary forbearance on the loan so I could gather my tax information from the previous year and re-apply. I reapplied, and was rejected the XXXX plan, which made my monthly payment on this student loan ( I have a handful of very small ones ) {$540.00} per month- which I can not afford. The person on the phone told me " there was nothing they could do for me '' and that I needed to budget better -- which is infuriating, as I am a very well-organized, type-A person. I called back a few times, and have been told different things each time. One time I called and was told that they no longer do XXXX plans and I just had to make the standard payments. Another time I called and was told that I could do XXXX, but they would take into account : 1 ) my income, 2 ) my husbands income, and 3 ) my mother 's income, as she co-signed my loan 11 years ago when I entered college. This is absolutely ridiculous to me. I am a grown adult, married, not living with my parents, and have no financial ties to my mother, other than she co-signed my loan in XXXX. Why on earth is Navient telling me that my mother 's income will be included as a determining factor for my monthly payment? I know many people who are on XXXX plans, and their co-signer 's income/information is not taken into account. The most frustrating part of this is that every time I call I am told different information. The bottom line is -- I ca n't afford {$540.00} a month on top of XXXX other student loans, a mortgage payment, car payment, various insurances, phone and utilities. I would have no money left for food and gas to get me to the XXXX jobs it takes to try to chip away at these student loans. Yet they continually tell me that there is nothing they can do to lower my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Application, originator, mortgage broker

Complaint: complaint number # XXXX on XX/XX/XXXX to whom this maybe concern : my husband and i XXXX and XXXX XXXX and XXXX XXXX are still having issues with my our mortgage company ocwen loan servicing llc.i '' ve been trying to get a loan modification to bring my mortgage payments current i sent my mortgage payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all payments that i sent to them they 're was rejected and they saying that this is invalid account number they want us to send them q large amount of money at XXXX time.but i did n't have a large amount of money to send to them.the payment for XX/XX/XXXX i have the mortgage account statement show for that payment on XX/XX/XXXX in the amount 0f $ XXXX.in my escrow account balance is ( {$5500.00} ) but they saying i have a XXXX balance showing on this account the mortgage rate on this loan is 9.75 % that is to high.this is to sad for a mortgage loan company to have a interested rate so high.but ocwen loan servicing do not wont to talk about the monet that i have left over in my escrow account so i can bring my mortgage current.i had a pipe bursting in the wall my insurance company send me a ckeck for ( {$3700.00} ) I call ocwen loan servicing and told them that my insurance company send me a check and told me to send the check to them and they will br endorse the check back to me .ocwen loan servicing took so long to send the check back to me they 're still hold the check.i pay my on property taxes, but some how they are charging us for that when i pay for it myself.i have enclosed some documents some of which i printed from my account on their customer site.we just want to get back to where our account is at good standing.i 'm not interested in losing my home at all.my husband is sick and i have XXXXyear old grandson that i 'm raising. sincerly, XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage is below 78 % loan to value. I have been making extra principal payments each month. I want to terminate my PMI payments. Wells Fargo states I still must make payments for a minimum of 5 years. 
Is this lawful? I have about 27 months remaining to reach the 5 year point. Seems excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with Credit Karma, Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have submitted a complaint about XXXX XXXX. After I submitted the complaint, they left an even more derogatory response than the one originally. Also, began the process of collections. I sent a check a long time ago to XXXX XXXX after an argument that lead to me asking my account be closed. The check was the total pay off amount. This was roughly a little over ago. Now, this was with the understanding during the argument that if I paid off the account we 'd call it " even '' and this account would be closed is perfect standing and no late payment if not able to be removed in full. I was told XXXX different things after being escalated to a supervisor. However, both worked in a manner of leaving a full positive remark of no mark at all. This is extremely unfair and causing financial issues as I 'm going into adulthood. It 's hard to find an apartment, I ca n't get a car loan, and I do n't even get to take out any credit to get the car I have fixed. It 's upsetting because I was XXXX when I opened it and I had no idea to keep track of all supporting documents. I did n't even think something like this wa possible. I have no control over my own credit report. Instead I have to state my case and pray justice is served.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (VA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: XXXX XXXX, 2017, I received an email message that there had been an expenditure on my closed credit card account. When I telephoned the company to report the theft, I was phished for information that included my account password. I refused to divulge it and the operator would not investigate the problem or transfer me to the security people. The credited card issuer is Wells Fargo. I had closed the account last year. Apparently, Wells Fargo is encouraging illegal activities among its staff 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 06-02-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: I have had a an Aadvantage Citibank MasterCard card for XXXX years. A balance of {$29.00} was due XXXX XXXX. As I have for several years, I set up the payment on my bank 's e-pay system to arrive on the due date. Have never had a problem. When I received my next statement, Citibank had assessed a late fee of {$25.00} plus a XXXX cent interest charge because it posted the payment XXXX XXXX. The {$29.00} was debited from my account XXXX XXXX. I called my bank and was assured Citibank received the funds XXXX XXXX. I called Citibank and explained the situation and it insisted the payment was late and REFUSED to remove the late charge. So I canceled the card. It is guilty of bad business practice -- has been for years, in my experience. Steals from its customers.

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 08/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Account opening, closing, or management

Complaint: I believe that my banking account with bank of America has been comprised by identity theft. my cell phone along with my wallet and other papers was stolen a few months ago now which had access to my banking account. On My phone was a bank application, and confidential information stored throughout the phone, including the ability to conduct online options deposits and transactions. I have received adverse activity now and have Been flagged now by XXXX under fraudelent activity. My accounts with bank of America have been shut down. I contacted the bank first, but had no luck with recovery of information or help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The company Transunion has failed to properly investigate inaccurate information on my credit report regarding the XXXX accounts reporting by XXXX XXXX and XXXX XXXX XXXX. My file number is XXXX. These accounts should be included in bankruptcy with a XXXX balance or deleted if not reported accurately since my filing of bankruptcy. I have attached supporting documents showing these accounts included in bankruptcy as the original creditor and the collection of the same account.

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 05-12-2015 about Credit card () with FIRST NATIONAL BANK OF OMAHA (AZ).
Issue: APR or interest rate

Complaint: On approximately XXXX/XXXX/15, I did a balance transfer to Firstbank Card. The offer from Firstbank Card was 0 % for 12 months, with a 3 % balance transfer fee. A few days ago while going over the the credit card statement from Firstbank Card I realized that I had a finance charge of {$160.00}. I called first bank so that they could explain. They stated that the balance transfer was at 0 % for the first month and thereafter at 16.99 %. I stated that was an error made on there part and insisted that they listen to the audio recording which took place during the initial transaction. On XXXX/XXXX/15, I was advised by a representative as per supervisor XXXX out of the XXXX, Nebraska office that the audio tape was indeed listened to and that I did agree to the terms that they claim. I am pretty upset as I feel as I was duped, being that I would never agree to such a transaction.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to list " XXXX XXXX '' on my credit file. The XXXX account I had was closed with XXXX Military XXXX and they continued to charge me after the fact. The account was turned to collections and XXXX will not respond to my phone calls regarding this account. Thus, it must be deleted from my credit because the original creditor does not own the account.

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 08/25/2015 about Debt collection (Credit card) with Atlantic Recovery Solutions LLC (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: My account with XXXX XXXX was given to XXXX & XXXX Acquisitions the company transferred the file to Atlantic Recovery Solutions, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. Atlantic Recovery Solutions threaten on several occasions to take legal actions. So I have filed a complaint with XXXX over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was XXXX XXXX times during the time in which I had the account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Mortgage (Conventional fixed mortgage) with Paragon Home Loans, Inc (NY).
Issue: Settlement process and costs

Complaint: We closed on a house XX/XX/2017 ; however seller ( home flipper ) did not pay any taxes on the property but at closing used part of his proceeds to pay off all taxes including penalties. On our statement of sale that I signed our bank, Paragon Loans has it filled out that the seller paid {$220.00} in taxes so we reimbursed seller for that in closing costs but they forgot to put in the amount of property taxes that were to be paid at the closing with buyers money. So after we 've signed off and everyone has received money. Two days later my attorney tells me that we owe the seller approx. {$1500.00} to the sellers to reimburse them their part of property taxes XX/XX/XXXX-XX/XX/2017. Paragon loans typed up all this information based off of what the sellers had submitted and should have been reviewed by attorneys and banks for all parties involved.These documents were not made available to my husband or I until we were at the closing and were not explained to us nor did we have a representative from Paragon Loans at the closing. Not sure if Paragon Loans is at fault for not realizing that seller was n't paying the property taxes until closing so it needed to be configured into my closing costs or if seller XXXX is at fault for not making that clear.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: On XXXX XXXX, 2016 I called my long-time internet /cable tv service provider, XXXX , to change my service. At no point during the conversation did they advise me that they would be conducting a 'Hard Inquiry ' to my credit status. 
In addition to receiving a negative strike on my credit report due to the unauthorized inquiry, I never received the level of service that I requested on XXXX XXXX, although XXXX has been charging me for that service since then. I just found out when my roommate finally complained to me that I was n't giving her what she was promised in our arrangement. 
My main concern at this point is removing the unauthorized hard inquiry to my credit. 
Additionally, I was advised that XXXX sent me the wrong cable boxes for the level of service I requested, and I 've been paying rent on these boxes in spite of not receiving the requested channels

Company response to consumer: Closed with explanation