milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Debt collection (I do not know) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Every day I receive a call to my home telephone from XXXX. I XXXX this number and got info that the company is AFNI , Inc., a debt collection agency. I believe they may be attempting to collect on an auto accident my ex-husband had several months ago. He was not insured. I believe he gave the insurance company my home number as a contact. He has not lived here in over 5 years. 

I picked up this call today. Nothing but silence for a minute or so until a recorded message came on stating this was an attempt to collect a debt and I should call another telephone number. Then the call was disconnected. I did not write down that number. 

Any help you can provide in getting this company to stop calling my home telephone number ever again is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (CA).
Issue: Managing the loan or lease

Complaint: I change my due date from the XXXX to the XXXX and discontinue my automatic payments. After this was done I have been experience problems with the company every since. Lending Club want me to call in every month to arrange electronic payments from my checking account and will not allow me to pay on my account electronically myself through my bank or on their website before the due date. The month of XXXX my due date was change to the XXXX of the month and I did not change my due date. No electronic statements are sent out or email to the customer showing their payments or balance due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Mortgage (Other mortgage) with J & K Financial Services, LLC (MN).
Issue: Application, originator, mortgage broker

Complaint: We received an offer to buy our house. The buyers submitted preapproval for the amount of the sale. XXXX closing dates were missed. XXXX XXXX of Dawson mortgage during this time kept giving excuses to our realtor as to why the closing was not going to happen. When we were informed the sale would not close on the third closing date, we talked to the buyers and found out they were unable to qualify for the loan. XXXX XXXX did not contact our realtor or us with the information the buyers were unable to get the money. 
Based on the letter from XXXX XXXX and a telephone conversation with him, we disposed of our home business and moved out of our house. 
XXXX XXXX 's incorrect and misleading information cost us approximately {$25000.00} in lost income and rental expeses. 
XXXX XXXX contact information Dawson Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX My husband believe XXXX XXXX is either dishonest or incompetent and has defrauded us.

Company response to consumer: Untimely response
Consumer complaint received 06/26/2015 about Debt collection (I do not know) with Lake Area Collections, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Please refer to CFPB complaint #  XXXX  and #  XXXX . I have been working to get a Deed in  Lieu  or Foreclosure process  ( either one )  done with Shellpoint Mortgage for almost t three  years now. They approved a Deed in  Lieu  yet have done nothing to get this accomplished. All title work has been up-dated. For the eighth time they requested me to update my paperwork, which I did. I then received the attached letter stating that the process is beginning from square one AGAIN. Each time I complete the requested documentation the process starts again. The paperwork expires because of Shellpoint, not on our end. They sit on the process. In the meantime they requested I have all tenants vacate the property, which I did and they are charging me maintenance fees. Because the property is vacant there is no income coming in to offset the mortgage. I am at a loss. We are more than willing to sign over the property via Deed in  Lieu o r Foreclosure, yet they do nothing. They return no phone calls, no emails, no communication. We are at a loss as to why they are dragging their feet on this. I do not know where to turn for help.     I have documentation of emails sent on a regular basis and phone messages left on a timely basis yet no assistance or communication. The only information I receive is an occasional phone message stating that someone will contact me. No one ever does!!!     Can anyone help us get this process completed? We are trying to work with them but they are not working with us or anyone else to get this resolved. Please help me!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter from Southwest Credit with an attempt to collect on an alleged debt from XXXX XXXX XXXX, stating placement date of XX/XX/XXXX for the amount of {$330.00}, and stating Southwest Credit Reference Number : XXXX. I sent them a letter on XX/XX/XXXX requesting that they verify the alleged debt. The company did not and still has yet to verify this debt. They sent me a response back dated on XX/XX/XXXX with a billing statement from XXXX XXXX XXXX. They are threating to report this false, unverified information to the credit bureaus. Furthermore, the company they are trying to obtain the debt on behalf of ( XXXX XXXX XXXX ) has a social security number on file that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have a number of accounts that do not belong to me these accounts were opened fraudulently using my stolen idenity their was an addresses which was also fraudulently used and that is XXXX XXXX XXXX XXXX, XXXX, nc XXXX XXXX XXXX XXXX # XXXX XXXX, nc XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX bank # XXXX and later discoverd numberousotheraccounts as well here they areacct # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX # XXXX opened XXXX XXXX XXXX # XXXX XXXX XXXX ofacct # XXXX XXXX XXXX XXXX Opened XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Mortgage (Conventional fixed mortgage) with PLAZA HOME MORTGAGE, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Plaza Home Mortgage Inc. for several years now, I have had nothing but problems with them from the very beginning. They make it impossible to do anything very unhelpful or willing to work with people. There online site has not been available to me for several years it might work one month but not the next, tried so many many times working with there IT people and it never gets resolved. I must of spent a year off and on, on the phone many hours and nothing. I gave up and make the payment through my bank! 
Last year I had to file bankruptcy and they would NOT send my statements. OK my bankruptcy has been done and gone for several months my attorney and I made several attempts to reaffirm months before our dead line but never got a response we made several conference calls to there bank R dept and spoke with the woman handling my case she kept telling us there was not enough time for them to do it. We told her we sent what she needed months ago and there was no reason they had, had plenty of time finally the day of we called again spoke to an attorney for them and he said it was to late. Well ya, but we had attempted for several months. Nothing he can do, later that day XXXX minutes before XXXX our time they sent the fax there was no way for my attorney to get a hold of me and for me to get to his office and sign everything and fax it back in time! Also I live in XXXX and he is in XXXX which is about 20 min away! I have contacted them several times since explaining that. They just keep saying your still in the bankruptcy department and it will stay there and because you did not reaffirm we will not send you your statements! It has been close to a year now, I have no idea of where I am at or what I owe or anything! 
I have never been late with any of my payments. I have made all of my payments thru my bank and they have not sent any back! 
I happen to see on the back of an old statement in a box in all caps. 

Additional Notice to customers who are in Bankruptcy or whose Obligation has been discharged and NOT Reaffirmed : All the information contained in this Mortgage statement is required to be PROVIDED to CUSTOMERS BY APPLICABLE FEDERAL REGULATIONS PROMULGATED BY THE CONSUMER FINANCIAL PROTECTION BUREAU. 
How can they do this? And have this printed right on the back of there statement and know they have to and they refuse???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (I do not know) with Allied Interstate LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The debt collection agency continues to call despite measures I put in place to stop them and they leave threatening messages This is my second request to have them stop

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. Three months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these three accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted EQUIFAX last month to have this account removed from my credit report as I already paid it off. I received an email back from them shortly after stating that debt was valid and it belonged to me ( which I was never disputing ) all I asked was that it be removed as I paid if in full already. I call EQUIFAX back today XX/XX/XXXX and asked why have n't the item been removed from my credit report yet? The guy was VERY rude and unprofessional. Instead of answering my questions he remained silent on the line for almost 3mins before hanging up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Coinbase, Inc. i s registered as a  XXXX   XXXX   XXXX  with  XXXX ,  XXXX  registration number :  XXXX  They provide a money transmitting service by exchanging cryptocurrency tokens to and from local  XXXX . This service is advertised as " instant '' for  XXXX  residents.     On  XXXX   XXXX   XXXX  ( GMT +8 )   XXXX  , I initiated an exchange of  XXXX  ETH tokens into  S  {$1.00},  XXXX , which was supposed to have been credited immediately into my Xfers account . S  {$0.00} was credited while the  18  ETH tokens were debited.  Xfers  is a payment processing company Coinbase partners with. I have contacted Coinbase at  XXXX  XXXX  XXXX , their only official source of correspondence, and also highlighted my missing funds to their representatives at  XXXX  and  XXXX . I have also made a complaint to  XXXX .     On  XXXX   XXXX    XXXX  ,  Coinbase  closed my account with no explanation, completely denying me access to my previous transaction records, while still owing me  S  {$1.00},  XXXX . It is   XXXX   XXXX   XXXX     today. 35 days have passed and I still have not received my funds. All I have in possession are countless excuses from peripheral Coinbase staff/ automated bot mails delaying what should have been a simple money transfer. The " instant '' transfer is fraudulent advertising and it can not be legal for a business to withhold a customer 's money under what it has claimed to be a custodial account. I should have access to my own money and transaction records.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I have filed numerous complaints with every available agency requesting that XXXX/Google investigate the fraudulent transactions and wallet account that was made without my knowledge or consent. I am now providing what I have asked Google to provide for the last three years. There is no way Google does not have the information I will be attaching. They have deleted XXXX from the account an now state its on someone else 's account, that was able to take all of my unemployment benefits with no password required as google stated in a prior response. Google also stated that all monies were refunded did they then refund to the account that was tied to mine? I did not receive that money, I would like to see proof that its my account, since all merchants stated I made no purchases. The attached documents are proof this was not my doing. Not including all of the conflicting information that has been on every other complaint. Not one charge am I able to verify or know who made. I am a identity theft victim. The person on the attached documents lives less than a hour away from me and knows were I am at all times due to XXXX XXXX and being linked to the account. Google will not protect me and has not protected my info as it states they do.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: As the company clearly states in its XX/XX/XXXX response to my previous complaint, on the call from XXXX XXXX, 2017 with the company 's lending department, the specialist from the company advised me that I was unable to submit a balance transfer until I received my card. That is why I paid down my balances on my XXXX cards. I was led to believe by the specialist that the balance transfers were not complete because I had to wait until I received my card to submit a balance transfer. The company is expressly admitting this in its response. I again ask that Chase reimburse my transfer fees since the lending specialist clearly told me that a balance transfer could not be submitted before I received my card. Only reason why I paid down my XXXX balances and I am now stuck with XXXX dollars in fees for transfers that were not needed. I respectfully ask the CFPB to require Chase to reimburse me for the fees, now that they have expressly admitted that they provided conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Debt collection (Payday loan) with NPS GROUP (OH).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Continued to call even though I asked several times that they stop phone communication with me and mail the information to me. The person on the phone said they do n't mail information. 

Then they told me I could be taken to court, but when they found out I am on XXXX they said civil action would be taken. 

I have XXXX with XXXX and each time they call they exasperated my XXXX.

Company response to consumer: Untimely response
Consumer complaint received 10/16/2017 about Payday loan, title loan, or personal loan (Title loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX we were given a payoff amount that according to the lender was good through XXXX. On XXXX a cashiers check for the full payoff amount was overnighted to the payoff address. On XXXX the cashiers check was delivered, with signature confirmation on the delivery. As of today XXXX the lender has still not cashed this payment and refuses to acknowledge that it was received, even though we have signed proof of receipt. They state they record their phone calls but when they are told we are also recording the call they hang up. They are asking for a payment and will not investigate where our payoff went.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I started the loan in XXXX XXXX with a car purchase price at right around {$21000.00}. I have been paying the loan since then XXXX 5 years XXXX, quite often making late payments but always tried to pay something. The car was repossessed a couple of months ago in which I paid the past due to get possession of my car again just a few days later. It is now XXXX of XXXX and they are saying the pay off of my car is an estimated amount of {$14000.00}, which I have been paying on for 5 years and the original price of the car was under {$21000.00}. So according to them and their pay standards I have only paid {$6000.00} towards the original cost of my car. 
I feel that it 's almost illegal the interest, fee 's and etc. cost I am being charged for this vehicle and believe something can be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: After years of being a " good cutomer '' at Citizens Bank, they elected to terminate our business relationship. This included my wife 's business account ( a nonprofit ), her individual account, our joint account and a joint account with my son. This is done by sending a letter that looks like the rest of their junk mail and being given a week to clear my accounts. They said that the decision was permanent and final. They also said that they did not intend to give the reason. My credit scores are excellent and I have never been deliquent.They erased my bill paying functions and I have lost all records of recent transactions, including those they they decided to no honor. 
My funds are now frozen. They offer no explanations. 
This may be legal, but, certainly, not ethical. 
I suspect that this was triggerred by my wife 's nonprofit organization ( XXXX XXXX XXXX ) works in XXXX where they help with the education of children orphaned by XXXX through microluans to the familis and by direct educational support ( XXXX ). Funds are periodically wired to XXXX. Nevertheless, the operations are quite transparent. If this is the case, then they are guilty of a sloppy investigation. So, it must be something else.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I spoke with the loan company and they said they would put a deferment on my account. This was not done. Furthermore and most importantly I have one account number to reference to that is supposed to apply my payments to both the subsidized and also the unsubsidized loans. For some reason the loan company does not do this. This has made a jurastic negative impact on my credit report rating. I have made several calls including one with a representative from the school stay on the line with me to try and get information about my account and three possibly four separate occasions a representative has hung up on me. More than once I have asked for a supervisor and wrote requests for someone in charge to contact me. However, the only calls I receive are automated robo-calls and if I do manage to speak with a human being, they hang up on me and refuse to let me speak with a supervisor. I have been more than nice to whoever gets on the phone but I can not get the balances, dares, why they are only applying my payments to the subsidized loan and nothing applied to the other. I write a note on every single money order for them to apply to both loans. I can not do anything to get them to do this. If I had two separate account numbers, then I would be able to. Unfortunately I have one and through calls, notes on the acutual money order to apply to both loans and letters to apply payments to both loans they will not do this. If this is n't illegal, it should be. Until this is settled or my entire loan is paid in full, my credit score will continue to hender buying a house, a new car, or do anything that relates to a credit score rating. This also includes even being able to move to an apartment complex that requires a credit check. Please contact me if you have any advice on how to fix this issue because I am out of ideas and this company American Education Services will not apply my payments to both loans. Though I have only one account number.

Company response to consumer: Closed with explanation