milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XX/XX/2017 I have written both XXXX and Experian concerning XXXX bogus collection accounts and they still remain. Attached is the results of the XXXX  investigation into the accounts. 

Please Remove!

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 05-08-2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I check my Credit Karma report monthly and several months ago this debt just shows up on my credit report as a " bad debt '' from a PROCOLLECT. They never contacted me, or gave me a chance to even pay the {$75.00} debt - if it was in fact legitimate. I wrote them a letter and got back a coded response with no discernable information on it to determine if it was even a good debt. They gave me no phone numbers to call for verification or any information on how to validate this debt. I 'm at a loss as to what to do now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (KY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX my car was repossed by Ally Finance, I wanted my car back so on Monday XX/XX/XXXX I called redemption department to find out what I needed to do. I was behind 2 months and late charges. They told me how much I needed to pay to get it back, that was {$1800.00}. I did what I needed to do, borrowed the money paid by XXXX XXXX on XX/XX/XXXX. They received the money and everything was released on XX/XX/XXXX. I asked about making the XX/XX/XXXX payment, which was due on XX/XX/XXXX. The gentleman told me to send it by XX/XX/XXXX and send with XXXX XXXX or XXXX XXXX so they would get it on time. I sent {$350.00} by XXXX on XX/XX/XXXX for same day delivery. The following week I started to get rude phone calls about not paying the XX/XX/XXXX payment. I explained I had paid and gave them the reference number from XXXX but they could not find it. I called the redemption department again, asked about the XX/XX/XXXX payment was told yes they received but could not understand why it had n't been posted, this was XX/XX/XXXX. I now have a late charge of {$17.00}. 
Spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in redemption, both found payment and sent to escalation to be posted. Still getting phone calls and being told I did not make the payment plus a late fee. They even asked if I wanted to make a payment arraingement. Ally told me I should have paid on online or called the payment in but they had shut down my online account and at the time the {$1800.00} had n't posted. It posted on XX/XX/XXXX. I then started calling XXXX, XX/XX/XXXX, to check on transfer. XXXX saw where Ally received the payment, could not understand what they did with it. Was transferred to the problem dept where they checked for correct account number, my name, where it went, and the receiving code, everything was correct. XXXX with XXXX, was going to contact Ally about why they did not post to my account and to call back in about 5 days. XX/XX/XXXX, called XXXX was told retransferred the money to Ally and saw they received it again. Called Ally, spoke to XXXX, still cant see it, then was told the reference number she had was an incorrect number and that the XXXX agent gave me wrong number. The number was computer printed with all my info listed and XXXX can find it, so did Ally redemption dept. I called XXXX again, spoke with XXXX who checked all my info again and said that it was all correct. He was going to email Ally again to get this cleared up. 
On XX/XX/XXXX I made XX/XX/XXXX payment but it was applied to XX/XX/XXXX so I am still behind and now have another late payment. 
At this time I have 2 late fees of {$17.00} and still 1 month behind.

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 04/14/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: An offer letter was submitted, outlining conditions of paying a disputed debt, along with a restricted endorsement on the payment instrument itself. 

Portfolio Recovery Associates processed this payment instrument, without adhering to the accompanying agreement. 

Further attempts to follow-up have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I initiated a dispute with XXXX XXXX on XX/XX/XXXX for a debt listed on my credit report owed to XXXX XXXX XXXX for an original debt owed to XXXX XXXX in the amount of {$2300.00}. I stated that I have never held any account with XXXX XXXX. 
I received documentation back from XXXX XXXX on XX/XX/XXXX stating that they had contacted XXXX XXXX XXXX and were advised that the account was accurate. 
After receiving this documentation I contacted XXXX XXXX XXXX directly by telephone today ( XX/XX/XXXX ) and was informed that they would open a dispute of this item, which was for a cell phone account opened on XX/XX/XXXX for a cell phone number of XXXX. I informed XXXX XXXX XXXX that I have never applied for or held an account with XXXX XXXX and have never had that telephone number. XXXX XXXX XXXX stated they would open a dispute on this item and to contact the Federal Trade Commission  online to report the information which led me to this website.

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 05-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2014, I filed CFPB case # XXXX which was a complaint against Ocwen Loan Servicing , LLC . In the resolution of that case, Ocwen promised to reverse a late fee in the amount of {$58.00} and apply the funds into a " suspense account '' to be used in future payments on the account. Over the course of several months, Ocwen applied fraudulent accounting techniques to hide the {$58.00} without ever applying the funds to future payments or otherwise disbursing the money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit card () with WELLS FARGO & COMPANY (NV).
Issue: Other

Complaint: Wells Fargo has allowed incompetent employees to essentially force someone who is suffering from XXXX into a personal credit card with a rate XXXX points higher than the previous BUSINESS credit card he was attempting to transfer to a new BUSINESS credit card with Wells Fargo. The agent made the application for a personal credit card in mistake. In fact, the balance transfer was from a BUSINESS CREDIT CARD ( which was provided ) and was intended to go to another BUSINESS CREDIT CARD with Wells Fargo. Once the mistake was brought to the banks attention they FAILED repeatedly to resolve the situation within a timeframe for which they had control. The branch employees and manger made numerous promises to reverse and fix the issue only to go back on their word, eventually telling me, " we have your signature '' after the window of opportunity to resolve the issue was gone. I have documented the steps that were taken by the consumer to resolve this issue and the amount of time already invested by a XXXX customer. The regional and national managers have done nothing whatsoever in fact the national office has never returned multiple phone calls. I have also attached numerous voice recordings, some of which are the manager speaking to resolving the issues and refunding fees which have still never been refunded. This is fraud and fraud of a XXXX person. If the bank continues to play this as " we have your signature '', our next step will be to take the story to the local news, and then small claims court. Be advised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 07-07-2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan servicer AES Success, has processed double payments without my knowledge. I have contacted their customer service only to be led in circles even when asking for a supervisor, a rep literally told me " No one is available '' when I asked for her supervisor. When I inquired further she said " They are all in meetings '' I was willing to wait or leave a voicemail on their phone however the rep told me I could n't wait because " I ca n't tell you how long they will be in meetings and you can not leave a voicemail on their phone. '' I then asked for their extension so I could call myself and the rep said " I ca n't give you that information. '' I have never had such an issue trying to talk to someone 's supervisor, and to top it off, the rep had an attitude about it making it seem like I was asking for the world, and she talked down to me when I asked her if she had my information correct. Terrible customer service. I was unable to get any answers regarding the double payment they took out of my bank account and my only option was to put in a request for her supervisor to call me back ( which could take up to 24hours ). I am not holding my breath on that.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was with XXXX for two years and never had an issue. XXXX is saying that I owe them money because someone whom I NEVER authorized was on my car insurance. Keep in mind I was still making my monthly AUTO DRAFT payments. I asked them for the recording of me adding someone to my insurance and they could not provide it. I spoke to XXXX XXXX representative and she assured me that this mistake would be corrected and never happen again. She said he fixed everything in the system. When I cancelled the insurance for their exploitation I got an email stating that I would be REFUNDED money. I never received my refund and I am still being billed for money I do not owe them. This collection was removed from my XXXX credit report the beginning of this year, now they added it to my XXXX and XXXX report. How could I owe money and my funds were taken directly from my bank account based on what they billed me for the month. I was also not able to retrieve my bill and payments from their website after I severed ties with them for some reason, but thank goodness for bank statements!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,

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 04-07-2016 about Mortgage (Other mortgage) with TD BANK US HOLDING COMPANY (NH).
Issue: Application, originator, mortgage broker

Complaint: On XXXX XXXX, 2016 I signed a purchase and sales agreement with the seller of a house with a time line of XXXX calendar days until closing. Having already prequalified for a loan, I applied for a USDA guaranteed loan with TD Bank at their location at XXXX XXXX XXXX, XXXX, NH XXXX on XXXX XXXX, 2016. I conducted this business with assistant store manager, XXXX XXXX. This day of official application I, and XXXX XXXX, signed a rate lock agreement to confirm my loan would be at a rate of 3.00 % ( exhibit XXXX ). This rate lock was to be valid for 90 days. XXXX XXXX stated that the loan would take around or under 60 days to process, and that I would hear from my mortgage processing within 24 to 48 hours. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated they were processing my application for a loan product other than the one that I applied for ( XXXX instead of USDA guaranteed ). This disclosure also included a new rate lock form, and indicated that my rate was currently " floating '' at approximately 3.8 %. Upon calling and speaking with the assigned processor I learned that they would have to reassign my loan to process the USDA guaranteed loan per my original application, and that my new processor would be in touch with me the following day. 

On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated the correct loan, but the wrong loan terms. The rate was indicated to be 3.5 %, and not locked in. On speaking with my new loan processor I learned that TD Bank had " no record '' of me having signed a rate lock form for a USDA loan. She also said they had no record of me submitting necessary documents to process the loan that were provided on XXXX XXXX, 2016. I provided my loan processor, XXXX XXXX, a copy of the signed rate lock form from XXXX XXXX, 2016 and asked if TD Bank would honor this document. 

On XXXX XXXX, 2016 TD bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure again had the wrong terms, stating that my rate was now locked in at 3.5 %. Also issued by TD Bank on this day was another rate lock form they requested I sign and return indicating that my rate would be locked in at 3.5 % ( exhibit XXXX ). 

On XXXX XXXX, 2016 I informed TD Bank that I was withdrawing my loan application due to their refusal to honor the terms of my original rate lock agreement. Due to the three week delay caused by TD Bank handling my loan in a negligent manner the new lender I applied with sought an agreement to extend the deadline for the purchase and sales agreement between myself and the sellers. Unfortunately, the sellers declined this and exercised their option to walk away from the deal due to our inability to meet the deadline for closing.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Other transaction problem

Complaint: I sent XXXX Litecoins from my XXXX XXXX XXXX to My Coinbase wallet on XX/XX/XXXX ... I sent the coins to my wallet using the same address that was given when I sent Litecoins from my Coinbase wallet to my XXXX XXXX XXXX ... It is now XX/XX/XXXX over 80 days and my Litecoins have still NOT appeared in My Coinbase wallet.. 
I have made Numerous emails and Call to Coinbase customer support and they keep saying My ticket is in line with a specialist ... PLEASE HELP ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NJ).
Issue: Trouble during payment process

Complaint: I am concern that my escrow analysis is incorrect and I need someone outside the mortgage company to review it. I know about the XXXX escrow payment of the total needed during the year and XXXX cushion amount of the total amounts needed for the year. My escrow payment is XXXX and the XXXX cushion is XXXX. But I already have XXXX in escrow and they are demanding an additional XXXX which is more than a XXXX dollars over the XXXX cushion by years end. I spoke to the escrow analysis team and they claim it is an addition just in case. My taxes last year were XXXX and my hazard insurance was XXXX which is a total of XXXX. My current escrow is XXXX. With the additional escrow of XXXX. The XXXX XXXX XXXX. Brings my account over the legal limit as prescribed by federal law. I need someone in your department to take a look at it and check the calculations of the mortgage company. Your time and consideration is greatly appreciated The lender is CITIMortgage.

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 12/31/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax is reporting incorrect information to financial institutions.They are reporting adverse factors adversely affected my credit scores that include 'Serious Delinquency. ' This has been reported to XXXX different financial institutions this year. After each time I have tried contact Eqifax by phone with no luck. On XX/XX/2016 I wrote a letter to Equifax and included a copy of the adverse factors I received from the XXXX institutions. Nothing happened. I got no reply and it was again reported this month to the third institution. 
The problem is I have never had delinquencies plus none shows up on my credit report, so even lawyers who help repair credit can not help since it does not appear on my credit report. I am at a loss at how to get Equifax to stop from sharing false information as it is hurting my credit. We wanted to refinance our mortgage, but this 'Serious Delinquency ' has really hurt our chances. 
I am praying that this complaint will help to get them to correct this problem. XXXX is the only agency who shows my correct credit record ... NEVER LATE. Because of attempts to correct this issue we now have had a lot of inquiries as it is the only way to see these adverse factors. 
please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, Specialized Loan Services, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now Specialized Loan Services ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with SYNCHRONY FINANCIAL (HI).
Issue: Transaction issue

Complaint: I purchased new appliances ( washer, dryer, dishwasher, oven, microwave oven and stove top from Lowe 's on XX/XX/XXXX. I had to return the stove top ( XXXX '' Radiant, {$790.00} XXXX because it did not fit. Lowe 's picked up the stove top on XX/XX/2016 and I was told by Lowe 's XXXX Assistance Team ( XXXX XXXX at a credit would be applied to my Lowe 's Credit Card through XXXX. As of XX/XX/2016, no refund or credit has been applied to my 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