milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Other

Complaint: Purchased some furniture from a furniture store. We bought a sofa and love seat, a bunk bed and a mattress. The sofa and love seat were suppose to have wooden legs and removable cushions. The legs were plastic and the cushions were sewn in. The bunk bed turned out to be XXXX different colors. The mattress had a manufactured on date the same as the date we purchased it. We tried to resolve this with the merchant but were unable to do so. Filed a dispute against the XXXX with Bank of America, the company whose credit card we used. We filed the dispute about XX/XX/XXXX. Soon after we were informed the dispute was denied because we did not submit necessary information. The person I talked to reviewed the file and saw that I had actually submitted the necessary information and they would resubmit it. Later we were informed that the pictures showing the problems with the products were not acceptable. I had to write out what the problem was. Pictures showing the problems were apparently not good. XX/XX/XXXX we received a letter dated on XX/XX/XXXX that the claim was denied. It stated that all available options were exercised and they were unable to obtain a credit from the merchant. And that they considered the claim resolved and wo n't respond to any further correspondence relating to this claim. We are not sure why they denied our dispute considering the documents we submitted to support it. And any attempts to find out have not be productive. Apparently they are not responding to any further correspondence relating to this matter. I have even attempted contact on XXXX and after doing what they say, do n't hear anything back. I can not give exact dates because when I attempt to access the information on their website it seems to have been removed. They wo n't answer my question on why that is either. On my account they have my address and phone number but tell me to send contact info. When I do they say they did n't receive it, even though they already have it. This has been going on for 4 months. All of the items we purchased had issues. Ca n't submit certain documents because I ca n't access them even though Bank of America says they will be accessible for 120 days. Bank of America has yet to answer why I ca n't access even though I have made numerous attempts to find out.

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 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from RS CLARK I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against RS CLARK in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On or about the middle of  XXXX  I immediately notified Sun trust Bank of unauthorized charges with my debit card in the amount of {$8100.00}. I filled out the proper forms required. Afte r 10 bus iness days they denied my claims and did not refund any money. Upon receiving the denial notices I immediately followed their procedures again and filled out their rebuttal forms as to why my cases should be reconsidered. After another 30 days of waiting they gave me credit for  XXXX  charge {$250.00} out of approximate  XXXX  disputed charges. All charges had the same or similar description just different amounts. I am still out {$7900.00} approximate that still needs to be refunded. How the bank comes to the conclusion that I did n't authorize the  XXXX  charge they gave me credit for, but says I 'm responsible for the remainder of the charges is quite confusing since all the the charges had the same description which I did not authorize. The documents are attached for your review from sun trust bank. I simply want my money back. Thank you for your time and help.

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 04/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: My wife and I were victims of tax fraud. When we discovered this, we immediately did credit freezes on our credit files for all XXXX credit bureaus. We were charged for XXXX credit freezes. Per Texas law, if a credit freeze is initiated due to identity theft, the credit freezes should be free. I did not want to wait a week or more to generate a police report, get a copy and then send it in to the credit bureaus for a free report. Instead, I did the credit freezes immediately. I then requested refunds from the credit bureaus due to identity theft. XXXX issues refunds immediately. XXXX refunds are in process. Transunion, on the other hand, had refused, saying that the only way you can get a free credit freeze is by submitting a police report at the time you have requested the credit freeze. First of all, when you have become a victim of identity theft, you want to deal with it right away, and deal with the refunds later. Second, it would take up to a week to process the police report and get it to them to do the credit freeze. During that week, how many times might your credit report be used without your permission since someone now has your social security number? I believe, and will always believe, that we are due a refund. I will attempt to dispute the charge with my credit card but am not optimistic.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This account has been removed from my credit reports XXXX on XX/XX/XXXX ( XXXX ) XXXX XXXX on XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. ( COI ) As of XX/XX/XXXX there has been a new attempt placed on my credit report for this debt from XXXX XXXX, collection company Stellar Recovery INC . 

XXXX received your request on XXXX XXXX, 2015 and completed their investigation on XXXX XXXX, 2015. Please review the results carefully. 

Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. 

If you are not satisfied with the results of your dispute request investigation, you may complete and submit a Request for Investigation directly to XXXX and XXXX at the address below, along with any supporting documentation. You may also request that XXXX and XXXX add an explanatory statement of XXXX words or less to your credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (Conventional fixed mortgage) with Statebridge Company (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Same as XXXX other people I saw under XXXX complaints, My Bank, XXXX Mailed pymt XXXX XXXX. to Statebridge LLC, XXXX # XXXX, StateBridge said they did not receive until XXXX XXXX and charged me {$32.00}. In past 10 years using XXXX XXXX to pay my bills I have never had a problem with bills being paid within the time posted by XXXX XXXX XXXX. My XXXX payment was sent to Statebridge LLC on XXXX XXXX and held by StateBridge till XXXX XXXX thus incurring a {$32.00} late fee ( see attached ). In speaking with StateBridge on XXXX XXXX 2017 the attitude was " PROVE IT '' As explained by XXXX, employee number XXXX he has been waiting for a baseball hat for 3 weeks thru the mail, suggesting I should pay StateBridge {$5.00} fee and pay online to insure my payment is received on time. Supervisor XXXX XXXX broke the Law when he refused to tell me Statebridge LLC License number after I asked. Further XXXX XXXX stated the XXXX XXXX, which is on second page of mortgage statements, was related to real estate misleading myself from fact it is StateBridge LLC license Number to do business servicing loans. Today, XXXX/XXXX/2017 XXXX, " XXXX '' who would not give me an employee ID # or his full name told me there was no license number to give out after I asked him and he had to ask a supervisor if it was ok to give out. So it appears StateBridge LLC will not allow payments to be made " free of charge '' unless the consumer sets up auto pay. I would not set up auto pay with a company I trust let alone a Company like StateBridge LLC whom I do NOT TRUST. Thus again, my story sounds like the XXXX other complaints on XXXX- ' Never been late or had issue with mail being delivered on time-EXCEPT FOR STATEBRIDGE LLC WHO SAYS PROVE IT. ' I will not pay a late fee from a company who, in my opinion, intentionally extorts fees while the consumer is making the mortgage payment to stay in compliance with mortgage agreement. Here are just a few other complaints on XXXX : XXXX XXXX & XXXX & XXXX # XXXX XXXX XXXX, Also I wish to point out The Credit Bureau has a " D '' rating for this company. How is this company allowed to do any business with mortgages after the Dodd-Frank Bill was enacted?

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Disputed XXXX accounts with Experian in which XXXX different accounts do not belong to me that are reporting on my credit file. The XXXX accounts are XXXX XXXX in the amounts of {$420.00} and {$320.00} listed as being opened in XX/XX/XXXX-XX/XX/XXXX and are charged off. This is FRAUD on my credit file and was reported as such to Experian on XXXX/XXXX/XXXX. I spoke with their fraud department and the representative assured me they would take care of it immediately. I submitted my police report from XX/XX/XXXX and Experian responed by mail on XXXX/XXXX/XXXX telling me the accounts can not be removed because of insufficient data. I 've given them all the required information to prove the ID theft and additionally have been overwhelmed by this entire experience. I had to legally change my first name because of the ID theft. *please see attached documents and police 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 explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2017 Hard Inquiry report do not recall this inquiry 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 11-02-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Our mortgage was bought by Ditech Financial, LLC. We have been trying to obtain a loan modification for the last four months and have been getting the run around since then. We have been assigned several representatives to work on our case. They have not contacted us to let us know where we are in the process. We can never get a hold of them when we call. We have been required to submit the same paper work three different times because they lost it. I am a XXXX vet currently serving in the Florida XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Payday loan () with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I called the company on XXXX/XXXX/16 to request that all ACH transactions be stopped due to a problem with my bank account. I was told it was stopped and nothing would be debited. I sent in a money order as my p/ayment as instructed as an option to pay. I called a 2nd time on However, my account was still debited and I 'm being told there 's nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Checked my credit report recently. There are many inquiries that are not from me. I tried contacting these companies to remove them but they were no help. Please help me remove this inaccurate information. Ive compiled pictures and a list of the inaccuracies. 



XXXX CREDIT/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX CREDIT XXXX XXXX XXXX, AK XXXX ( XXXX XXXX XXXX *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY***** *****XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX *****XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere Classified XXXX BOX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX Cable TV Providers XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX & XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *****RENTAL PROPERTY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ******ST XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX These are not from me and have been applied by someone else by fraud . I will lock my credit reports after these are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I submitted a fax claiming that it was fraud and they never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Mortgage (Other type of mortgage) with FIRSTBANK (CO).
Issue: Closing on a mortgage

Complaint: I am trying to remove myself from an un founded Loan that ha s not been completed with the  XXXX . The bAnk wo n't allow this despite me loosing my job and going overseas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (FL).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: I have a business checking account with TD Bank and received several Business Credit Card Offers in the mail. When I tried to open the account online in XX/XX/XXXX I repeatedly received server error messages. I called was told to just go to the local branch. The offer included 0 % APR on purchases for one year and now when I received my 2nd statement I see I was charged 23.99 % interest. I called on X/X/2017  they tell me because I opened the account in the bank instead of online I did not get the 0 % APR. Between checking and savings I have over {$15000.00} in TD Bank earning zero interest. I would never have carried a balance If I knew I would be charged interest. They tell me I need the original offer to receive the 0 % APR.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/17/2017 about Debt collection (Auto) with Radius Global Solutions LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft. Central Credit Services are trying to collect a debt that I do not owe. CCS received my information from XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (TX).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I need assistance with XXXX XXXX. I lost my phone and need it on my new phone to access my account or to send more than XXXX bitcoin. I can not even change security settings to help myself because of this. Their admin could help me in 60 seconds. I have been waiting a week. Their online XXXX @ coinbasesupport serves as a support contact and they literally skip over me and help new requests. I have a significant portion of my life savings on this platform. I 'm floored as to the lack of support. My initial support ticket was submitted 1 week ago and I have not heard a peep from support. I have access to see from one device but I can not change settings due to losing my phone. This access expires every 30 days which I anticipate will be shortly. I need access to my funds! I 'm verified! <P/>Also note the platform coinbase had a crash with the very coin I have a lot of investment in and it lost 99 % of the value periodically. I could not do a thing due to the lack of access from every device around me that night. I need a human to answer my ticket and fix my XXXX authentication so I can access my money immediately. I can provide any documentation necessary. Case # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, XXXX I received a Credit Alert from XXXX advising me that Bank of America filed a 120 day or more days late on my credit report. I do not have an outstanding loan with Bank of America and the loan I had was paid off to a XXXX balance on XXXX XXXX, XXXX. I do not owe Bank America anything and I do not understand why they are or feel they can report any information to credit agencies on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (GA).
Issue: Credit decision / Underwriting

Complaint: I just checked my credit reports as of  XXXX   XXXX   17 and only  partial information was fixed. The request for the removal of 30 days late was not take off. Transunion had fixed their information around  XXXX   XXXX   17 and  my score and account were fixed. However, it has since been reverted back to 30 days late for some reason even though all the information shows it was n't late.  XXXX  updated their information on  XXXX    XXXX    17 ex cept still showing as 30 days late.   I am requesting 360 resubmit the request for the 30 days late be removed and the current status to reflect CURRENT or PAID AS AGREED. Never late.     I request this be done immediately as a future loan is pending this correction and is causing serious headaches for me. I have wrote t he President of 360 again t o make him aware of this and to see if this will be fixed quicker as well. I understand   360 will have 15 days, however, i need to have this done in the next 7 days as my future loan and home depend on this. I am also requesting 360 refund the {$39.00} I paid to check this correction via   XXXX   since the corrections were not completed correctly.     This references previous CFPB submission Case number :  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (KY).
Issue: Struggling to pay mortgage

Complaint: Applied for a loan modification with Ocwen and we were offered a three month trial plan. We made the payments every month and waited for the final agreement to be mailed to us. We hadnt received it by the XX/XX/XXXX so I called my relationship manager. She emailed it to me so I printed and had my husband sign it. We had a notary sign it and I sent it in to Ocwen. They said they never got it so I sent it again this time overnight. Ocwen received the paper work but because it wasnt stamped by the notary they denied the loan modification. So they told me to reapply for another modification. I sent in the application and they denied it within 2 days saying our circumstances hadnt changed since the last modification so the only option we had was to pay {$6900.00} or try to do a repayment plan over an eleven month period. They told me I could appeal the decision and see what would happen. Ive talked to a million people at Ocwen and most have them are really being rude with me. I finally called the ombudsmen office and surprisingly was able to talk to some American people that I could understand and they agreed to try to help me. One of them submitted a request to have the modification denial reversed but they havent given me an answer as of yet. I just want to keep my home and not be in a foreclosure situation

Company response to consumer: Closed with explanation