milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/27/2017 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (FL).
Issue: Managing the loan or lease

Complaint: Purchased a new vehicle XX/XX/XXXX ; First payment due XX/XX/XXXX. Monthly payments {$490.00}. Mailed in 7 mths of pmts with coupons to pay thru XX/XX/XXXX. No issues. In XX/XX/XXXX ( XX/XX/XXXX ) went into a local branch ( branches are not near my home-FYI ) with coupons from XX/XX/XXXX-XX/XX/XXXX to pay 6mths worth of payments. Check {$2900.00} ; 6 pmts. XX/XX/XXXX ( a couple days ago ) received a late notice and late fee for XX/XX/XXXX payment. I called XXXX this morning XX/XX/XXXX to state NOT true paid late XX/XX/XXXX thru XX/XX/XXXX. Had to speak to escalation Manager XXXX XXXX, as no one in customer service seem to understand how to correct. Everyone I spoke including XXXX kept stating my contract does not allow payments to be paid in advance ... .Told her this was not the case as I already did it last year?? ( FYI calls stated they were being recorded so they should be able to pull info ). I allowed my wife to speak to them as she better understands all of this and works on consumers behalf in her line of work. I am lodging complaint for the following : 1. PNC bank does not allow pmt online for my loan unless I open a PNC acct -- THUS taking away my chose to choose. 2. PNC customer service wants to send back over payment instead of applying it properly -- XXXX stated I would have to write separate checks for each payment so that they can apply. 3. XXXX continued to separate PNC customer service from what the branch misapplied as if they are separate institutions. 4. All customer service reps and XXXX who is an escalation manager tried to get me to believe it was my contract that states early payment not allowed when they accepted the payments last year. I asked for a removal of late fees, for this to not hurt my credit as it is excellent and I was forced to accept a payment of {$2400.00} back as she stated they could not apply????? Who does n't want to get paid??? My wife put out several tweets to @ PNC and @ CFPB to get someone to respond. I went to a branch in XXXX Florida and the manager there said he would see what he could do to help. I 'm just not sure why is this not an easy fix? If I could pay online I would have this issue. I should not be forced to write 6 different checks for you to apply 6 pmts??? I pay for these checks and should be able to pay you as legal tender with only one!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Sent dispute of account to the credit bureau. They claim they investigated and it was verified even after I had received communication from XXXX that they were ceasing collection and would notify the bureaus to remove the account ( s ). I faxed the CB a request to remove with a copy of the letter from XXXX. The account ( s ) are still showing on my credit report.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried several times to contact XXXX XXXX about a fraudulent card on my credit report. I have also contacted the credit reporting agencies to have this information removed.
They have refused to remove this information and are unable to provide a signature for the card or term acceptance. I have explained through multiple letters that I have been a victim of Identity theft by a family member and have even went to court and proved this with another credit card ( XXXX XXXX ).
I have filed claims and filled out paperwork pertaining to this and sent to their office detailing the events of a family member opening an account. Attached you will find court documentation where I was able to get a complaint dismissed for another credit card.
This account is not mine and I want it removed from my credit report immediately. Again the reporting agencies have not been helpful and have not been able to prove the debt. In fact they are in direct violation of the FCRA and Fair Debt Collections Act.
The proof for which they are utilizing does not meet the standards. They do not have a signature or ID from me and are solely basing the account on the fact it was mailed to my address which does not meet federal standards.
I want this removed immediately and I want the CFPB to make the reporting companies to validate all debt, respond to complaints accordingly and adhere to all applicable laws and regulations as it pertains to substantiating such a debt. XXXX XXXX XXXX XXXX XXXX XXXX, MD 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 non-monetary relief
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WV).
Issue: Fraud or scam

Complaint: In XXXX of XXXX, I invested funds with Coinbase, investing in Bitcoin and Eretheum. I sent funds into my Coinbase account several times. After Bitcoin gained significant value I tried to withdraw funds. I was locked out of my account and have been locked out with no ability to access my account for over 8 weeks. I have called Coinbase Customer Service many times. It was explained to me there is nothing they can do as they have a system problem due to an excess amount of business. They further explained to me that calling the customer service number to resolve the issue only hurts me because I get moved down the list in priority! I have had one supervisor, ( XXXX ) that said he would personally help me and to send him a screen shot of an error message. There was no reply or help from XXXX. I have been told a dozen times by customer service they ca n't help me! One representative even told me it is part of the risk of investing!! I explained to her it is not the investment that is the problem but the actions of Coinbase was the problem. All the while, my money is tied up in a downward market that I do not want to be in any longer but have no ability to withdraw the funds. Coinbase would not even freeze my account so I would not loose money with the declining market. My money is being lost simply because Coinbase refuses to give me access to my account!! I have lost thousands of dollars to date due to the incompetence ( and illegal actions ) of Coinbase. I have recorded phone calls and emails to  substantiate my acquisitions. This complaint is my last attempt to resolve this matter before I seek legal action against Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CITIBANK, N.A. (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Citi Financial Group called me and requested money right away needed it within XXXX hours or they were going to contact my employer, send a XXXX to the IRS, and charge me with a felony. The company never addressed what company they were calling from until the XXXX call. They woman gave all my information out to my wife without XXXX requesting my permission first. When we advised them they needed to prove that I owed this debt the XXXX worker stated they did not have to prove anything and we needed to prove where we did not owe this debt. My wife has spoken to our case manager today ( XXXX/XXXX/15 ) and advised the case manager that we did not want any money taken out until we received the email with the documents that we were promised and requested information to be faxed over.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Caine & Weiner Company a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Debt collection (I do not know) with STERLING JEWELERS, INC. (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was call by XXXX for a debt for a jared account I was threatened over the phone but never made a complaint but i have records of paying this collection dept. XXXX took my payments for collection now 2 years later XXXX has taken up collection for jared ... this is very suspect ... that is why I am writing this statement Thank you

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX  has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I got a debt collection letter from I.Q. Data International, Inc dated XXXX, 2017 regarding a debt that I owe to my previous landlord. This was the first time I learned about the debt, never received a bill from the landlord ( original creditor ). 

On XXXX I faxed and mailed a letter to I.Q. to dispute the charges, cease any communications to collect the debt and provide evidence for the debt. 

But on XXXX I received a call from I.Q. that I did not answer at first. Then I called back to ask why I was being called. I was forwarded to a customer rep who was responsible for handling my debt collection. I notified him that I 'm disputing the charges and would like more information and evidence on the debt. The rep asked for an email to forward the information. I gave him the email and told him that I 'll look over the information to verify the debt, but can not do it right now because I 'm busy. The rep got aggressive at this point and told me, " You 're trying to blow me off '' and that I just refuse to settle with them. Then he threatened to forward the debt to credit bureau agencies right away to coerce me to settle at the spot. I asked him if he 's not willing to email me the information then he can mail. He became totally dismissive at this point and put me on hold. I had no option other than to hang up at this point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In XXXX my loans were put into forbearance without my request. Now interest during that time was capitalized on the loan. I had submitted forebearance/deferment application at the end of XXXX but that request was only made once. I continued to make payments during this time. Im on a paye program. All of my loans are fed loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Consumer Loan (Installment loan) with Ovation Financial Services, LLC (TX).
Issue: Managing the loan or lease

Complaint: My trouble began in  XX/XX/XXXX . Company did not bring my account current when I completed my payment arrangement as agreed in  XX/XX/XXXX . As a result, I was charged additional fees in   XX/XX/XXXX , along with, a default letter fee of {$200.00} filed with additional fees, filed in  XX/XX/XXXX . The balance due in  XX/XX/XXXX  included  invalid fees that were included in the payment plan already completed. I refused to continue paying the company on a incorrect account balance. In addition, the Company could not tell me if I continued to make payments on an incorrect balance, how am I assured payments would be directed to the correct items due. They could not answer that question. I requested for the rep to submit my dispute and to remove ALL fees, ALL default letter fees and ALL late fees since my account has not been accurate since the payment plan ended in  XX/XX/XXXX . I was told on  XX/XX/XXXX  that my account was not " adjusted '' until  XX/XX/XXXX . Therefore, the Company was asking me to continue to pay on an incorrect balance. I was advised by  XXXX  that my current balance included previous fees that should have already been paid off with the previous payment arrangement. Company continues to send me statements that do not itemize what the balance due is comprised of.

Company response to consumer: Untimely response
Consumer complaint received 05-03-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (IL).
Issue: Problems when you are unable to pay

Complaint: I submitted a dispute against Well Fargo Auto Finance via XXXX XXXX for my credit report stating that I have an open car loan. After the investigation with XXXX XXXX, that account was marked closed. On XXXX XXXX, XXXX, Wells Fargo Auto Finance reported the status as open and they updated the account from XX/XX/XXXX to date as a charge off. I am currently in a Chapter XXXX, where Wells Fargo Auto Finance is included and to my understanding, they are not supposed to be reporting on my credit report at all as they are under my bankruptcy, and they have done so.

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 11-11-2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have received a decision by Experian that they had verified that the account is mine. 
I find it interesting because I had disputed with XXXX XXXX XXXX on the CFPB interface and they had confessed that they do not have or could not provide the original instrument of indebtedness in its original form or in any form for that matter. 
It further proves that Experian has not done its proper due diligence in verifying the accuracy of the information that they place on the credit report. 

It is sad that there are multiple people in the world who experience id theft and instead of going after the real culprit, they go after the victim and try to force the obligation on the victim.

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 03/22/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This company keeps reporting XXXX collection accounts which have been paid. When I paid these accounts they agreed to remove them from my report ... I guess it 's called a paid for deletion. I never received a letter fro them which I understand is important. I 've called them on the phone & they said the would n't remove them. They continue to report the account as a collection when they agreed over the phone to remove it. The negativity is impacting my ability to get a loan when it was paid over 2 years ago. I would like Paragon to remove it at once from all XXXX credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: XXXX and XXXX contacted me concerning a debt that I owed to HSBC in the amount of XXXX. They set up payment arrangements and collected the money. I received a letter from The XXXX XXXX showing this debt to be paid off. Now I am finding out that I had already paid this debt back in 2012. I tried to contact them to receive my money back to find that the phone number is just busy or you can not leave them a msg for a return call.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: my husband passed over in 2014 ; he would always tell me that if anything happened to him that the mortgage would be paid off. 

the mortgage is in my husbands name only, and I ca n't find the mortgage insurance. 

I notified the mortgage company, and the home insurance company. 
I am the administrator of the estate. I sent the death cert.. and the admin.. document to each company. 
the insurance was put in my name. the mortgage company will not change the loan to the estate of.. 
when the renewal of the home insurance was due the mortgage company would not send the insurance payment through escrow. they stated the insurance policy is not in my husbands name. the insurance company stated they can not have a policy in a deceased persons name. I am the administrator of the property. 
the mortgage company stated to assume the loan, sell the property, or find another home insurance company. ( you can not feel the total disrespect and rudeness I experienced from the worker through my words. ) also every time I call the mortgage company to find out what is the problem I get the prompt, this an attempt to collect a debt and this call my be monitored. 
I have not missed a payment to either company. 
the mortgage company did send a letter stating a name change. I do n't know if I am paying off a mortgage or a transfer to a debt company. please help.

Company response to consumer: Closed
Consumer complaint received 10/26/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Someone called my job asking for me would not say what company they were with but said they were trying to serve me with papers, that I was being sued.so this scared me I did not give any info, and ended up arguing with the lady on the phone because she would not tell me what company she was with. I told them not to cal my job anymore and gave my cell number. They called my cell left me a nasty messages again they were going to call my boss and let them know I was getting sued. I called the number back and found out it was a company saying their name was of XXXX and they were attorneys hired by ace check cashing and they were coming to my job to serve me.i was outraged and told them that was outrageous and not to call me again and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Hi, My name is XXXX XXXX, and I filed a bankruptcy dispute with Experain. I filed this disputed because I received a letter From XXXX XXXX saying they deleted a bankruptcy record. I spoke with a manager from Experain, and he assured me once I sent in proof of the letter from XXXX XXXX they would delete the record. Today I received notification from Experain saying that the bankruptcy will remain. A supervisor from Experain said that it would be deleted once they receive this letter, I sent this letter as they requested. Since Experain did not honor their word, I am filing this complaint. Experain should not assure things to customers and then go back on their word. I would like the bankruptcy deleted from my Experain credit report. I would also like an updated copy of my credit report when this has been deleted.

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 08/14/2017 about Debt collection (Medical debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I receive repeated phone calls throughout the day from Transunion for a debt that was paid in XXXX. I personally spoke to a representative and so did the doctor 's office to tell them the debt had been settled. This was in XXXX. I have received at least one call almost each day, and other days there are 3-5 calls. I have not received any statements of said debt, so I have reason to believe they are harassing me.

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 05/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had XXXX credit cards with XXXX Bank ( XXXX ). In XXXX of 2015 there was a settlement of the balance on all XXXX accounts. I paid XXXX for XXXX, XXXX for XXXX and XXXX for XXXX XXXX all paid on XXXX/XXXX/2015. The agreement was after this was paid that all XXXX accounts were closed and considered settled. However, they still pursue collections efforts for the balances of these accounts which has to be against debt collection practices.

Company response to consumer: Closed with non-monetary relief