milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only foXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX  as my only address but they refuse to remove multiple addresses located all over XXXX XXXX XXXX  as well as an old XXXX XXXX in  XXXX XXXX, I have requested numerous times to remove XXXX XXXX XXXX who is on bkXXXX discharged as ofXX/XX/XXXX but they keep popping up on my credit report even as of this date XX/XX/XXXX ; not only XXXX XXXX XXXX  but also XXXX who is on bkXXXX, XXXX XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX  who been paidXX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XX/XX/XXXX,. XX/XX/XXXXabsolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX XXXX. I would like my bankruptcy case # XXXX  filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX XXXX. stating that they do not authorize or give consent to reporting my bankruptcy 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 06/23/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: LVNV, Resurgent failed to send me a dunning notice before reporting on XXXX, XXXX and XXXX.Which is a violation of the FDCPA and FCRA. Furthermore they have the wrong address and have admitted such. They filed a judgement with my county court and the notice to me was returned because they have the incorrect address. These unlawful practices of LVNV is causing a huge hardship financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America Loan # XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXWe started a short sale with Bank of America XX/XX/XXXX. Bank of America holds the 1st TD position, and also shows as the servicer on title for the 2nd TD. 

There are several issues with Bank of America 's behavior on this short sale. 

1 - We have been trying to find out if Bank of America also still holds the 2nd TD, or to where it was service released for TWO WEEKS. NO ONE will respond to our voicemails, nor our requests in Equator. 
*** Bank of America is OBSTRUCTING the negotiation with the 2nd TD. 


2 - Bank of America repeatedly requests items that do not exist, or that we have already provided. They have been requesting copies of separate business bank statements for the XXXX homeowner, and for XX/XX/XXXX Income Taxes. I have repeatedly sent them SIGNED STATEMENT from the homeowner stating they have not filed XX/XX/XXXX Income Taxes -- this type of statement has ALWAYS been accepted in the past, not only by Bank of America, but every other lender that services short sales. Bank of America has repeatedly rejected this statement. I have also submitted the business bank statements on XXXX - when they were first requested - and Bank of America rejected them anyway. 
***Bank of America is refusing to work on a short sale for someone who has not filed XX/XX/XXXX Income Taxes***Bank of America rejects the exact documents that they have requested - is this another attempt to XXXX the short sale process? 


3 - The Single Point of Contact ( SPOC ) does not return phone calls. 

4 - There is NO ONE at Bank of America that will answer any questions regarding short sales over the phone. All attempts at speaking to someone result in being transferred to a voicemail, which is never returned. Even their normal customer service department, which handles all their financial products, immediately transfers you to the SPOC 's voicemail, saying they have no information and can not help us. 


5 - The negotiator and management refuse to respond to voicemails and messages inside their Equator system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MD).
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: In XX/XX/XXXX I notified Capital One in writing via post that XXXX charges on my statement were fraudulent ( XXXX {$50.00} each ). No response from company. In XX/XX/XXXX I called their Customer Service number. They verified that my letter was received in XX/XX/XXXX but no action had been taken by them. I called again a week later because I still had not received any further word on what was being done. Very frustrating call with several transfers. I ended call by demanding an email telling me when I would have the charge and resulting interest removed from my bill. I never got any email ever. At end of XX/XX/XXXX I called again. They said destroy my card and they would send a new one. Which they did. They also said they would contact me the next day about getting the charge and interest dropped because the supervisor was n't there that day. Apparently the entire global company only has one individual who gets things done and he or she was out that day. The charge is still on my bill as of today. This morning I called 3 different phone numbers trying to reach a real human and spent an hour in automated phone system XXXX. Capital One has violated the 30 day confirmation law and the 90 day investigation resolution law. And I have wasted much valuable time. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My loans with Navient total XXXX I was able to pay them at first but then they kept raising my payment which put me in a situation were I was always having to ask for a forbearance not knowing that this is the reason why my payments kept going up. I get harassing calls from them about my loans and when I do speak with them about the forbearance they say that they are going to send me information but I never get it. They take mine and my husband state income tax every year if we do get something back from the state which then hinders our household. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I have an account in   XXXX   XXXX   XXXX  . My online access is not working even after creating the password twice in a single day. There is a lot of wait and hold times and customer service is not helpful either.

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 11/21/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We have been getting a lot of phone calls from a company known as " XXXX XXXX XXXX Services ''. They 've been using about eight different phone numbers, and I '' ve blocked all of them using call block and caller ID, but since they continue to call, I 've turned around and called them a couple of times to find out what 's going on. A couple of weeks ago I spoke to a live person, somebody named " XXXX '' and she told me they were looking for somebody by the name of XXXX XXXX ( that 's not us ) who apparently owes them some money. XXXX told me she would take our name off the list. Now they called again this morning and I again called them back and I again talked to a live person ( did n't catch her name this time ) and again explained the situation and who I spoke to last time, and again she said she would take our phone number off their list. I doubt that will happen though. And I told her that we do not have any debts that would require the use of a debt collection agency. So somebody needs to track down this XXXX XXXX person and get in touch with that individual instead of calling us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: In the latter part o f XX/XX/XXXX , I w ent to  XXXX   XXXX  in  XXXX  NJ to purchase a  XXXX   XXXX   XXXX   XXXX . I went with very good credit and an excellent job. Yet despite these factors, I was granted a subprime loan b y Capital one at a rate of 12 %.  It had always puzzled me as to why I was directed to them and given a high-interest bracket loan when I had very good credit and a stable job. In addition, in   XX/XX/XXXX I had  paid off a previous auto loan for a used  XXXX   XXXX   XXXX  ( purchased in  XX/XX/XXXX  )  to  Capital One. I strongly feel as an   XXXX   XXXX   woman I was deliberately targeted and steered towards a subprime loan si mply because of my race. Capital  One  and the auto dealership colluded to give me a base car with a padded high-interest rate to their benefit. Capital  One  took advantage of a good credit worthy customer by issuing me hiked up loan. This loan caused my financial life to collapse. A domino effect began. I struggled to keep up the payments and was able to do so until my employment ended in  XX/XX/XXXX . In   XX/XX/XXXX  Capital One  modified the loan and lowered it a mere  1.25 % and stretched it out 3 additional years which is still p redatory in nature. Here it i s  XX/XX/XXXX  and I am  still paying for this car. I have asked them to close up or end the terms considering that I was scammed ; however, they refuse. I do n't have the credit worthiness at this point to do anything else with my finances. I am literally in bondage to this loan and it has hurt my family and my ability to maintain other areas of my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit card () with DISCOVER BANK (OH).
Issue: Billing disputes

Complaint: In XXXX XXXX a California merchant, a XXXX, auto-renewed a subscription I purchased in XXXX without providing a working mechanism by which I could opt out of the auto-renewal. The only mechanism on their online site required me to cancel the current ( XXXX ) subscription before its full term, forfeiting any unused portion. Since I paid for a full subscription, I refused to accept this requirement. Instead, I purposely withheld my Discover Card 's ( DC ) expiration date from the merchant, expecting a credit card transaction lacking a valid expiration date would be rejected by DC. Instead, DC approved the charge without up-to-date account information. 
I disputed the charge via a written claim sent under the Fair Credit Billing Act -- XXXX pages long, with online screen images of the merchant 's site, the merchant 's posted policies, excerpts from the XXXX Auto-Renew Law and Restore Online Shoppers ' Confidence Act of XXXX ( ROSCA. ) I documented the merchant 's missing opt-out mechanism, invalid initial purchase terms ( customers wanting to opt-out of auto-renew could never receive a subscription matching the term they paid for ), and my refusal to take delivery of the auto-renewal ( I cancelled it immediately ). I also showed that the renewal price was twice the original subscription rate, even though the merchant posted terms saying renewal pricing could change ). DC completely ignored everything I submitted to them. They said my claim was " incomplete and/or ambiguous ''. And they ruled in favor of the merchant, overlooking its fraudulent practices -- delivering shorter subscriptions than advertised DC, meaning that customers could not possibly give the " express informed consent '' required by ROSCA. And the merchant 's violation of California law by failing to provide " clear and conspicuous '' and " working '' opt-out mechanisms. DC did no independent investigation of this matter as their corporate Internet prohibited access to the merchant 's website. And they were completely disinterested in ROSCA and the California Auto-Renew Law. Their only investigative act was reading the merchant 's statement and finding it completely valid.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Debt collection (Other debt) with Collection Bureau of the Hudson Valley, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This complaint is against XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, NY XXXX. I am a victim of identity theft, and have had an extended fraud alert placed on all three credit reporting agencies since XXXX2016. XXXX allowed someone to illegally use my personal financial information to open an account in XXXX, New York. If XXXX had done their due diligence when opening this account, they would have been notified of the extended fraud alerts in place, and stopped this identity theft from occurring. I am a resident of Texas, and the attempt to get service from XXXX in New York should have been easily detectable as fraud. 
In addition to having a sub-standard credit approval process in place when creating the fraudulent account, XXXX had the Collection Bureau of Hudson Valley place a collection on my credit file. This has cost me hours of time to correct, and I believe XXXX should be required to compensate me for all lost time during this process and for any damage done to my credit rating as the result of their poor business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2018 about Debt collection (Payday loan debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX has continued call my employment I have made the statement I am currently going through debt consoling and FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-01-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AP).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I have been a customer of the company for about one year. During that time, I have made several purchases and sales of Bitcoin and other web-based currencies. I have provided the company a copy of my photo ID ( drivers license ) and have been " verified '' by them since my account was originally established. 

About two weeks ago, I received a message that my ID had to be re-verified. I once again provided my drivers license and completed an online questionnaire, similar to those used for a new credit account or credit report, for validation. I answered all the questions perfectly ; and provided my address, which I have lived at for almost six years, and which is listed on my drivers license.
The questionnaire came back as " unable to verify '' and directed me to try again in 24 hours. I have done so, every 24 hours, for the past two weeks, always getting the same " unable to verify. '' While unable to verify, I am unable to move money into or out of my account. I contacted the company on the third day and was given a canned response recommending that I adjust or change elements of my address for the verification. I have been trying that with minor variations, including use of ZIP+4, etc., every 24 hours for the past two weeks, in an attempt to re-gain access to my account, which holds nearly {$6000.00}. This has all been to no avail. No matter how I adjust my address, the " unable to verify -- try again in 24 hours '' message appears. 

I have continued contact with Coinbase tech support, who insists that they can only perform ID validation through the third-party company which they use. I have repeatedly asked for who that third party is so that I can try to resolve the issue through them ( the third party ), but have been summarily ignored at least two times about that. 

I am not the only customer going through this issue. A XXXX search of " Coinbase Identity Verification not working '' comes up with dozens of posts on a number of forums with many other customers having this same issue, and also presumably having their own money held hostage by Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NJ).
Issue: Problems when you are unable to pay

Complaint: I have an auto loan with wells fargo dealer services loan # XXXX. Due to my husbands job loss and injury I did fall a few months behind on vehicle payments. The problem is that I have been making payments but Wells Fargo does not appear to be applying my payments correctly. I made a payment of XXXX/XXXX/16 for {$300.00} which they told me was for XXXX 2016, however, they took the payment and my account still shows due for XXXX but yet the total amount due on my account information with them on their website shows {$760.00} which totals the XXXX and XXXX 2016 payments plus late fees. When ever I call about my account, I verbally verify with them what month I am paying and on XXXX XXXX they told me I owed for XXXX 2016 and I made a payment of XXXX XXXX. My concern is that they are not applying my payments correctly and I ca n't seem to verify what month I owe for. Every time I call, I get a different answer and their response from their collections supervisor is it does n't matter what month I owe for and I better make a payment. I am making another payment on XXXX/XXXX/16 but I have a right to honest answers regarding my account and when I login in to my online account for the loan, I should see information that is current but it is deceptive and misleading. In addition, they call and harass my husband who is not even on the loan. I addressed this with them that their employee who calls herself XXXX keeps calling my husband and all they say is yes a XXXX works there but they have not called my husband. However, they have called him several times and have left voicemail messages on my husbands cellular voicemail

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 10-12-2016 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: Cash advance fee

Complaint: I did a wire transfer from my credit card. 
The debit entry on my card read as purchase and i have 0 % on purchase till XX/XX/2016. 
The card company chase charged me transaction fee on that purchase. 
the company should have declined the transaction that i would know they would be charging me charges.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Billing disputes

Complaint: I was double billed for a TV I purchased on-line from Walmart. The original item was a XXXX In XXXX TV, which was the wrong size, since I ordered a XXXX in XXXX TV. As the XXXX person delivered the wrong item, I immediately gave it back to return to Walmart. On XXXX XXXX, 2016, XXXX of Walmart told me they are issuing a credit for {$400.00} to my account. She gave me a Reference # XXXX for this credit and went on to tell me that the credit for {$400.00} would be applied and would show up on my next month 's Walmart. They did not do as they promised. I followed up with Walmart on XXXX XXXX, 2016 and they gave me a different story. This time they told me it would take 30-60 days to resolve this dispute. As of XXXX XXXX, 2016, I 'm still fighting with Walmart to remove the {$400.00} charge from my account. Simply put, they billed me twice for the same item.

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 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I would like to file a complain against XXXX who provided me a TV/internet service in XX/XX/XXXX. They are collecting me XXXX dollar amount for the payment of the equipment that they use for the service. All this equipment was mailed back to them after the service was terminated. i disputed this already with their company in XX/XX/XXXX when I question them this amount. I even spoke to the supervisor and they said they will correct it on their end. I can not provide the mail receipt of this claim since its been a long time.But the collection company Trident Asset Company is the one collecting this amount from me. I already spoke to one of their staff that I disputed this and they submitted this to XXXX which shows on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief