milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian has refused to reinvestigate a HIPPA violation on my report I have asked several times and they have refused to investigate XXXX XXXX which has access to my private health information without my knowledge or permission. Please reinvestigate this serious offense.

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 10-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has violated state laws and disregarded my rights I 've tried to resolve this issue. With this company i get cursed out hang up on multiple times for what reason i do n't know creditors has sold this debt over an over again iam tired of seeing my credit score drop up and down because of this bogus company

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX submitted a past due balance for services rendered my rental property ( service address XXXX XXXX XXXX XXXX XXXX XXXX ) to Focus Mamagement Receivables ( debt collection company ). The XXXX XXXX XXXX for the rental property states that services were not routinely rendered and disputed the charges with XXXX. Focus Mamagement Receivables Continued to contact me almost daily after I requested numerous times that they speak with my property management company that was handling the open dispute with XXXX. The company continually told me the amount would hit my credit XX/XX/XXXX if I did not pay. This is illegal as an account in dispute can not be added to credit reports as delinquent payments. I eventually paid the bill to stop the harassing phone calls as to avoid any damage to my credit. I am a military and any damage to my credit could reflect poorly on my security clearance/classification. I spoke with the property Managment company and they were never contacted and did not receive any letter coorspondance as Focus states they would do after each harassing phone call to me. This company is ethically bankrupt. They had no right to continue to harass me and make empty threats that they had no legal authority to follow through on. They lead me to believe that if the corporate level dispute I had with XXXX was not resolved in the next two weeks ( which disputes take months ) they would still damage my credit. Completely misleading me to pay for services that were not rendered.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Billing disputes

Complaint: PayPal Credit simply ignores my claims to refund me on an authorized charge. The charge was made on XX/XX/XXXX and as of XX/XX/XXXX I still can not get my money back from PayPal. I keep wasting time on calling and waiting for a PayPal customer service agent to pay attention to the problem, filing disputes, receiving meaningless emails. But the only reasonable thing - getting my money back - is not happening.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX issues with the servicing of my loan by Wells Fargo Mortgage. I would first note that I am in XXXX right now due to a family illness and my mail had been forwarded from my home in XXXX to my son 's home in XXXX for the last few months. 
1 ) Late application of payment without notification. 
a. I had a monthly payment change for the XX/XX/XXXX payment from {$920.00} to {$1000.00}. 
b. I have payments automatically sent from my B of A checking account in the amount of {$1000.00} per month. 
c. The received they {$1000.00} on XX/XX/XXXX and put the funds in unapplied. 
d. I received no notification of this application and find no notification of the monthly payment change due to escrow analysis. 
e. I became aware of this when I XXXX on to their site to get information for my income taxes. Seeing the payment was not applied I called them on XX/XX/XXXX. 
f. I explained my issue of the unapplied funds, lack of notification and requested a copy of any communication regarding the escrow change or the fact my payment was not processed for such a small differential. In addition, I advised that I wanted a corrected XXXX reflecting XXXX payments of interest. The interest portion of the XX/XX/XXXX payment is for the interest for XX/XX/XXXX as mortgage interest is in arrears. 
g. To date I have received nothing but promises and delays. 
2 ) Interest rate change a. I received a notice of interest rate change dated XX/XX/XXXX around XX/XX/XXXX. It was forwarded from my home in Florida. 
b. The interest rate change is for XX/XX/XXXX with a payment change as of XXXX. 
c. To lessen the minimum monthly payment on the loan I contacted Wells Fargo on XX/XX/XXXX about paying down the balance prior to the interest rate change date. I was advised that someone would research it and get back to me I XXXX days. 
d. XXXX I was told that I was " eligible for a recast '' but the pay down had to be at least XXXX which is more than I want to pay down. 
e. I advised them that this was not a recast, it was a pay down prior to the affective change date. They disagreed. 

Please note that in both of the above cases I informed the Wells Fargo personnel that I am retired but had managed mortgage servicing for XXXX years, I had a copy of the XXXX XXXX, rider and deed in front of me as well as the FNMA XXXX and see no reason they can not do as I asked. In particular the pay down issue. 
Note that the property address of XXXX, XXXX RI is different from my mailing address of XXXX, XXXX Fl 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 04/21/2016 about Debt collection (I do not know) with Hillcrest Davidson & Assoc (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't know who these people are at Hillcrest Davison, and Associates, and what debt they could possibly be trying to collect. I am all paid up on everything. I have no credit card debt, student loan, mortgage, car payment : NOTHING.There was a dispute with XXXX for an early termination contract, but I settled that months ago through the XXXX ( and have it in writing from them ). XXXX discharged the early termination fee and said so IN WRITING to the XXXX and myself. These XXXX at " XXXX XXXX '', who are a bunch of thugs, have been calling my home #, my cell #, and my MOM '' s phone #. They are harassing me for a debt I do not owe. I am not going to call them back and deal with a bunch of scammers, because that is what they are. I spent literally months dealing with the XXXX at XXXX before we finally got it settled, and now these guys are trying to hassle me? I see their website has been hacked, too! I would NOT have any sort of dealings with these people. They are con artists and scammers.

Company response to consumer: Closed
Consumer complaint received 08-10-2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (DC).
Issue: Deposits and withdrawals

Complaint: To whom this may concern, I would like to raise the issue with respect to wells fargo 's online banking systems and its transaction hold times. I have a suspicion that wells fargo engages in illegal authorization of charges, but not in the order the consumer would have made those charges. And that their online banking systems does not include the most recent Transaction history. In all cases Wells Fargo has blamed the " Merchant ''. I am finding that charges made using my ELECTRONIC debit card are not posting to my account for almost 3 business days. For example, If I have an available balance of {$100.00} on Friday and swipe my electronic debit card at XXXX for {$10.00}, when I log onto my online banking site ( SAME DAY ) I should have a current balance of {$100.00} and an available balance of {$90.00} as the {$10.00} transaction from XXXX would still have been pending until the next banking update, which usually takes place the next business day. In the past with not only wells Fargo, but other banking institutions that I bank with, That " XXXX charge could pend for up to 5 days, but most cases it only takes Maximum 2 days. Not with Wells Fargo. When logging on to the online banking site, Their is NO record of my transaction to XXXX, and the charge was not taken from my current balance, thus not allowing my true balance to be reflected. On the following Monday, after I may have spent what my " online baking '' said I had available to me, from over the weekend I will see that SAME XXXX charge of {$10.00} from Friday show up under the pending transactions and then the bank claimed they paid it and now I am hit with an overdraft fee. This is not legal banking. This can not be legal representation of a consumers accurate account balance. I have trouble believing that the merchant would not even present payment on an account for 3-10 business days after the initial authorization of verifying funds in the account for. These Suspicious and illegal banking practices of random account debits and authorizations, have caused me many fees and Wells Fargo does not seem to take any responsibility for charges they post to a consumers account many days after the initial charge was made. This is n't a check that myself or consumers are using. Its an electronic banking card and the expectation is that it would reflect the most recent account transactions. Even a check deposited posts before some charges that I have made with my electronic debit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: From the very first time the collection agency IQ Data International contacted my, they were very rude when talking to me. They talk down to me, constantly tell me " It 's not our fault that you did n't pay your rent, learn to pay your bills '', and say other demeaning things. They eventually stopped making contact after I continuously hung up on them when I realized who was calling and eventually stopped answering the calls. However, in an effort to clean up my credit, I have reached out to IQ Data this year in order to set up some type of payment arrangement and I was told " this is not customer service and I do n't have to be nice to you '', they never let me complete a sentence, they talk over you constantly. When I finally got them to offer something, they told me I had to pay {$800.00} and then the rest would come out of my taxes. After telling them that I ca n't afford that because I only make $ XXXX/year, I was told that 's not their problem and I need to call back when I have some money to pay. They stated that they will not work with me on making affordable payments. I do n't understand how I am supposed to pay this debt with such rude people handling the debt. 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 12/27/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: JPMorgan Chase Bank , N.A . and Chase Home Finance LLC use " Void '' XXXX security instruments to financially gain from filing mortgage foreclosure complaints. Upon obtaining Judgement of Foreclosure and Order of Sale of property, JPMorgan Chase Bank , N.A . and Chase Home Finance LLC financially gain from the sale of the property using the " void security instruments ''. 

JPMorgan Chase Bank, N.A., on XX/XX/XXXX in the 19th Judicial Circuit Court in XXXX, XXXX, filed a mortgage complaint with a " Void '' security instrument stamped " Pay to the Order of Without Recourse, JPMorgan Chase Bank, N.A '' signed by XXXX / Assistant Secretary dated XX/XX/XXXX using a MULTISTATE InterestFirst ADJUSTABLE RATE NOTE, ONE-YEAR LIBOR INDEX, 10Yr.Interest Only Period, Single Family, Fannie Mae Uniform Instrument XXXX 

On XX/XX/XXXX JPMorgan Chase Bank N.A., JPMorgan Private Client Services - XXXX, XXXX ( Place of Settlement ) refinanced a loan that did not disburse any funds. There is no copy of the cancelled check that funded the loan or record of a wire transfer receipt to fund the loan at closing. Disclosures as required by the provisions of " Truth in Lending Act '' were not delivered at closing. The amount of funds disbursed by the check listed below were not on the U.S. Department of Housing and Urban Development Settlement Statement. 

The only funds disbursed for the loan was by check number XXXX on XX/XX/XXXX in the amount of {$76.00}. Routing number XXXX, account no. XXXX. 

The Name on the Account for the above check : Chase Home Finance , LLC Escrow Disbursement Account in Trust For Various Mortgagors XXXX, XXXX XXXX Bank Name : JPMorgan Chase Bank , N.A . 
4 Chase XXXX, XXXX XXXX Filed OCC Case # XXXX, OCC Appeal Case # XXXX, OCC Appeal Case # XXXX Circuit Court of the Nineteenth Judicial District, XXXX, XXXX Case XXXX. 

CFPB Complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX bank did not comply with the Fair Credit Reporting Act, section 611. I submitted a judgement ( attached ) regarding the disputed amount on XXXX XXXX, 2015, and they failed to respond within the statutory 5 business day period, even when I had provided my email and requested to be notified via email to expedite the process.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with WELLS FARGO & COMPANY (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX XXXX on behalf of Wells Fargo Merchant Services made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The following information is in response to a charge dated on XX/XX/XXXX on my American Express card in the amount of {$2000.00}. This charge was processed with intent to defraud and processed by another unknown corporation. The services purchased were from XXXX XXXX XXXX, XXXX, XXXX XXXX and services were never provided. The company who charged our American Express card, I have never heard or done business with - XXXX XXXX. I have attempted to chargeback with American Express but the merchant provided fraudulent information to American Express and the dispute was denied and closed. 

On XX/XX/XXXX - XXXX XXXX responded to my inquiry and emailed me from the domain email address 'XXXXXXXXXXXX ' and provided me with information regarding credit services. Please take notice at the bottom of his email, it also states ; " To Stop Receiving these E-Mails, please Unsubscribe by clicking the Link below : XXXX XXXX XXXX XXXX XXXX XXXX ' A copy of the email is attached - exhibit 1 XXXX XXXX XXXX is the corporation that owns and operates XXXX based on their own website Terms of Use. 

A copy of the website - Terms of Use webpage is attached - exhibit 2 On XX/XX/XXXX - Email containing copies of American Express were sent to XXXXXXXXXXXX. 

A copy of the email is attached - exhibit 3 On XX/XX/XXXX Email sent to XXXXXXXXXXXX regarding no response for over a month after the original purchase date. 

A copy of the email is attached exhibit 4 The agreement and purchase was only with XXXX, owned and operated by XXXX XXXX XXXXXXXX XXXX based on their own website address and XXXX Terms of Use. Services were never provided. 

My American Express was charged by XXXX XXXX which is apparently an entirely separate corporation. No authorization was issued and no representation was ever made authorizing payment to XXXX XXXX. Im disputing the entire {$2000.00} charge and requesting the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX filed a Chapter XXXX bankruptcy in an attempt to modify the mortgage with Wells Fargo Bank on his primary residence and avoid foreclosure. He submitted the necessary documents through the DMM portal and was denied based on his ability to make the original mortgage payment. He appealed the denial and the appeal as denied without specifically addressing the issue of mortgage affordability. Additionally, XXXX XXXX XXXX business failed and he struggled for several years before finding his new job. It appears that if he had a lower paying job that the mortgage could be modified. It is not the payment that is the problem but the arrearage that has built up while he was not employed.

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 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: www.coinbase.com I put my cryptocurrency ( ETH + LTC ) in their vault back in mid-XX/XX/XXXX. To be able to transfer them back from the vaults to my wallets I need to approve the transaction with two email-adresses. I am not able to approve with my secondary email, hence my coins have been locked up in the ETH/LTC vaults since I sent the first request to customer service on the XX/XX/XXXX. 44 days today without having resolved the issue. 

They say they have forwarded my case to an expert, but nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Being laid off from work has led me behind on a few payments. Everyday I receive a call every hour on the hour starting at XXXX spanning to XXXX. I have requested that my house number not be called because it wakes everyone up. Even after requesting my house number not be called, I receive more calls.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: CIT Bank transferred Loan # XXXX but I do not Know to whom it went toI have not Received any information .Who is the New Servicer? 
Was ONEWEST Servicer? 
Was CIT Bank N.A. Servicer? 
What was Transferred? 
How Much was Transferred? 
What Type of Loan was this? 
I have Reached out to ONEWEST Bank and they have Refused to answer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XXXX of 2010 I filed for Chapter XXXX Bankruptcy. I had XXXX tax liens at the time for {$250.00} and {$3400.00} respectively. These tax liens were covered and paid through the bankruptcy. The Bankruptcy has dropped from my credit report but the tax liens have not. The tax liens report as released - but Equifax and XXXX have both responded to my disputes saying the information is accurate. It 's my understanding that the tax liens should drop 7 years from the file date once paid or if paid through Chapter XXXX bankruptcy - when the bankruptcy is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Payday loan) with Advance America, Cash Advance Centers, Inc. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: contacted my work after i spoke with them and said do not call my job i will do my best to resolve this issue then called my employer and spoke to my manager and started asking questions about do i work here and so on ... Not only did they do that XXXX also called my mother and harassed her about making a payment saying that we will bring you to court and you will pay double if we do n't make a payment today my mother was crying and upset they disclosed my personal information with not only my loved ones also my co workers and they are all in distress including myself i had to leave work and my lawyer is now aware of the situation thanks i hope we can resolve this matter..

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 08/25/2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX, XXXX a payment of {$2300.00} from an insurance cancellation was applied to my account. I printed out a copy of my account summary that showed my next billing date was XXXX/XXXX/XXXX for the amount of {$160.00}. On XXXX/XXXX/XXXX, I made a payment so my next due date would be XXXX/XXXX/XXXX. My account summary continued to reflect a XXXX/XXXX/XXXX due date up until today, XXXX/XXXX/XXXX. And the system change the due date on XXXX XXXX one day before XXXX/XXXX/XXXX showing I have a payment due on XXXX/XXXX/XXXX for {$340.00}. I contacted customer service and the representative was n't able to help. She only offered an extension to the due date. I did n't need an extension. Had the system not showed my next payment was n't due until XXXX/XXXX/XXXX, I would have continued to make the payments on time like I have done for the past 2 years.

Company response to consumer: Closed with non-monetary relief