milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2016 about Credit card () with DISCOVER BANK (MD).
Issue: Customer service / Customer relations

Complaint: I am unable to log in to the Discover website : XXXX. I attempt to reset my password ; but, it tells me that XXXX of my security information questions is incorrect ; which it is not ( the model of my first car ). The website is the one that is wrong. I was being told, it was information pulled from public records. Then, the public records are wrong. I know very well what my first car was. The site will not let me sign in with another e-mail address. This needs fixed and yesterday!

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Payday loan () with Enova International, Inc. (WI).
Issue: Can't contact lender

Complaint: I am very disillusioned with the United States Credit Reporting system. Exorbitant medical billing causes financial burdens and can be used to ruin peoples credit numbers. 

This puts retired people like myself to resort to payday lending companies that charge 300 % interest and will not listen to reason like reducing the interest to 50 % .. 

Then they use tactics to make things worse. 

CashNetUSA original company. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Mortgage) with BB&T CORPORATION (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My complaint is against BB & T. The story begins back in XXXX of XXXX with my attempts to contact them to refinance my XXXX and XXXX mortgages because I knew that in the coming months I would not be able to afford both mortgages but might could if I combined them into XXXX. Despite numerous attempts on my part to get someone to contact me a out a refi, the time came when I was XXXX month away from having no more money to fall back on to make my regular payment. So I contacted their collection department to let them know about the impending doom. Since i was still current they could not help me, which I already knew but didnt know who else to call, so they transferred me to their loan modification department. I explained my story again and was told they could n't help me until I was already behind. I explained to them that XXXX Bank held the XXXX mortgage. They said do t worry about them because since they were in second position they couldnt take our house. When I finally had no other choice but to get behind I called their loan modification dept again. To make a long story short, after filling out the same exact paperwork XXXX TIMES and having them tell us on the XXXX XXXX attempts that they never received it, on the fourth attempt my husband stayed on the phone with an actual person until he received it via fax at which point we were told foreclosure had already been started and there was nothing that could be done. OF COURSE NOT!! 
Since that time which by this point was I think late XXXX, keeping in mind that I had to file BANKRUPTCY in XXXX to make this " go away '' or so I thought. Since that time they have " foreclosed '' on this house XXXX TIMES, didnt know that was even possible. XXXX of which were after I filed the chapter XXXX BK and they did send letters to us and run our names in our local paper each time. At the third attempt of their attorney contacting us, we had an attorney friend of mine send them a cease and desist letter. To NO ONE 'S SURPRISE they changed lawyers and contacted us AGAIN. They are going to run it in our local paper AGAIN! 
I will say this with 100 % honesty ; if I had known back in XXXX that it would take them this long to get their ducks in a row, I would have just lived for free in that house and AT LEAST it would not be in the shape it is in after having set for FIVE years basically unattended. 
This is ridiculous! It is unprofessional to say the least! I have NO CLUE how it is not perceived as harassment because LET ME ASSURE YOU I feel harrassed! Especially after I made every good faith effort I possibly could to work this debt out before it got to the point it did. 
The damage has already been done to me and my family by these .... People! Please investigate their heinous business practices and stop them from doing this to others.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with JPMORGAN CHASE & CO. (VA).
Issue: APR or interest rate

Complaint: When I originally submitted a application for a credit card at Chase Bank a few years ago, they gave me a range of interest rates that I could potentially qualify for. Then when they started my account, they gave me a rate well above the minimum. After several years of on time payments, I have requested a reduction in my rate. Now they are saying that my program never had a lower rate, and that I got the lowest rate available. I believe they are being dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX inquiry date : XX/XX/XXXX This 3 companies have put inquiries on my experian credit report without my knowledge please have them remove from my experian 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 08-01-2017 about Student loan (Federal student loan servicing) with Utah System of Higher Education (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: On XX/XX/XXXX, I met with a Legal Aid lawyer about my loan with XXXX. I am unemployed, and can not afford to pay this loan.I try my best to make ends meet to feed, clothe and house myself and my XXXX children, but paying this loan makes that impossible for me to manage. Legal Aid helped me to fill out a REPAYE application on XX/XX/XXXX which was faxed to XXXX, my servicer for my federal loan. At the end of XX/XX/XXXX, I received notification from XXXX that they could n't process my application for REPAYE because my loan was in " paid ahead/deferred status '' I contacted XXXX and cancelled the deferment. They still refused to process my REPAYE application, and told me I used the wrong form ( the one I  used was the official Department of Education form ) Because I received a bill that was due on XX/XX/XXXX, my attorney recommended I contact XXXX and have them put my loan in deferment/forebearance temporarily. When I called, XXXX told me that " the Department of Education eliminated the option '' to stop payments temporarily. This is ridiculous. XXXX seems determined to deny me my rights under federal law and DOE regulations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Medical) with Data-Central, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Medical debt has exceeded the statue of limitations time period in California which is seven years. I have disputed the cases which is 4 on my credit report from XXXX and XXXX. XXXX has deleted and removed accounts but XXXX has not and will not remove the files. After several attempts to dispute them. Data central continues to report on mine and my husbands 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 explanation
Consumer complaint received 07/14/2015 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (IL).
Issue: Fraud or scam

Complaint: I was ripped off by Chase. Over the past weekend I sold some tickets to a musical event and was asked by the buyer if I accepted Chase XXXX Pay. I said yes and then called the Chase customer service line to inquire if there was any way that the buyer could cancel the transaction or if I would not receive the funds because of fraudulent activity. I was told that the only way this would happen is if I were to decline the funds. Once I received the quick pay email I then accepted the funds and handed over the tickets to the individual who had just paid me, in my mind, via Chase Quick Pay. I was also informed that the quick pay service could not be used if the person buying the tickets did n't have enough funds or credit to purchase them. Chase 's policy states exactly that sufficient funds or credit is required to initiate the purchase. Wednesday I saw the funds posted into my account and felt a sense of relief. About an hour later I received an alert stating that the transaction was cancelled due to insufficient funds. I said how could this transaction even been initiated if there were insufficient funds? They told me that I needed to wait until funds posted to the account and that it was not their responsibility to insure these transactions. I again asked how the transaction could even be initiated if there were insufficient funds? After 4 hours on the phone they said the executive branch would look into it. Three days later they left a voicemail stating I was out of luck. Should n't Chase be responsible. Their policy states that the funds must be there to initiate the transaction similar to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Consumer Loan (Title loan) with MARINER FINANCE, LLC (FL).
Issue: Payment to acct not credited

Complaint: I paid in full XXXX and they were to report, per the attached email. They did not report the entire month of XXXX and they have reported every month prior to XXXX. And they finally reported on XXXX and did not show the paid account. They are ignoring my emails and phone calls. Even the local branch can not get a call or email about why they are not reporting the account with XXXX balance and paid in full date. I was turned down for credit because of this very account. It is the only negative that would keep me from obtaining credit. I want it removed in its entirety.

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 09/22/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, I have a mortgage with Wells Fargo. Recently, I learned that my condominium association provides full " walls in '' insurance on my condominium unit. I cancelled a home owners insurance policy for my property with XXXX XXXX and soon after I received notification from Wells Fargo that I needed to submit proof of coverage as part of my mortgage requirements. Over the last few months, I submitted this proof, provided from my condominium association 's insurer three times through Wells Fargo 's online submission website and mailed in the same proof two times. I also called Wells Fargo on three separate occasions to confirm they received this information. After continuing to receive letters from Wells Fargo saying that I lacked coverage, this week I received a letter informing me that Wells Fargo had purchased an insurance policy for me in the amount of {$60.00} to cover my condominium. 
I completely understand this is a menial amount of money, but after reading about Wells Fargo 's settlement with the CFPB regarding unauthorized accounts, I ca n't help but feel Wells Fargo is probably engaged in other dubious practices throughout their organization. 
Thanks, 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 11-06-2015 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NY).
Issue: Application, originator, mortgage broker

Complaint: Quicken Loans, particularly has been unresponsive since XXXX/XXXX/2015. I have been trying to call XXXX XXXX who is the representative assigned to me but every time I call him, it just goes straight to voicemail. He tries to call me back but it is always at a time that I am either working or unavailable. I believe Quicken Loans has failed to provide due diligence on my mortgage loan application to move forward with a property I am trying to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (I do not know) with ROC Asset Solutions, LLC (MS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have been receiving calls from an unknown debt collector. They have not given me any information as to who they are, a physical address, and call me day and night, after I have repeatedly asked to only contact me through mail. Now they have called my work without my permission. I do n't even know how they got my work number, and jeopardizing my job by doing so.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Medical debt) with Credit Solutions, LLC (KY) (TN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: i have voicemail from an automated system on XX/XX/XXXX and advised them not to contact me at my place of business and they did the next day. i called them back advised them again to not contact and again i was advised the number is removed again and it may take 24 hours. again today i received another call from them and spoke with the supervisor, who said they have removed the number.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX   XXXX ,    2017  To whom it may concern, I have been trying to properly cancel my account with  XXXX  under buyers remorse since  XXXX . They sent me  XXXX  new phones for which I promptly mailed back to them using the  XXXX  return shipping label Tmoblie provided. The phones were lost by  XXXX  in their shipping and  XXXX  has assumed responsibility for that claim since  XXXX . Since  XXXX ,  XXXX  says they have reached out to  XXXX  in writing requesting several times that TMOBLIE respond to their questions before they can issue  XXXX  payment.  XXXX  says  XXXX  has neglected to respond to any of their requests. From my perspective, I know that both these companies have wronged me since they have not resolved this silly paperwork issue between the  XXXX  parties and my credit is being destroyed. Meanwhile,  XXXX  has placed my account in bad standing by making it appear as though I have failed to pay my debt ( that I owe them for the phones {$3600.00}  ) and  sent my account to  XXXX  different collection agencies who are currently capable of destroying my credit. I have waisted 6 months of my life reaching out to  XXXX  as well as the collection agencies and  XXXX  to no avail thus far with no resolution in site, I am viewing this inaction to respond to  XXXX  to resolve this issue as an action to unjustly destroy my credit. I am asking that your agency step in to try to get them (  XXXX ,  XXXX , a nd ERC ) to notice me so that this case can get out of the bureaucratic level and be escalated to a level   where this matter will finally be resolved. You would think this should be simple to solve since  XXXX  fully accepts blame and is willing to pay  XXXX .  XXXX  wont speak to me because they say the matter is between  XXXX  and  XXXX .  XXXX  wont speak to me because they closed my account and sold the supposed debt to  XXXX  debt collection agencies. The collection agencies are very abrupt with me and only want to know if I wish to pay the debt or if not they are reporting to credit bureaus. I am an honest person, and always pay all my bills and on time. Please help me.  Im really stuck and I dont know what else I can do or who I can turn to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX XXXX XXXX Never used this service. Applied for it and received a card. Charged me {$180.00} and the goods were returned to XXXX and a credit was given me. Although i had card, i already had money on account with XXXX to use to pay for what i bought. XXXX XXXX has called since XX/XX/XXXX for the above amount, not owed and the only bill received, every hour on the hour, every day, including today XX/XX/XXXX. Three months of calls, every hour of every day for 3 months approx for money i paid direct to XXXX. Tried to explain to XXXX XXXX 45 times for a total of approx 40 hours of explanation. It still goes on.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have noticed in the past that there were ( 2 ) small student loans ( dated Open : XX/XX/2011 ) appearing on my credit files and immediately disputed them with each of the credit bureaus.I have not gotten any " validation '' from the bureaus concerning these loans which I never received or signed for at any time.

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 08-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX and attorneys XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX XXXX, have improperly scheduled unsecured property for auction originally, XXXX XXXX, 2017, and now XXXX XXXX, 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations, XXXX XXXX of XXXX XXXX XXXX for XXXX XXXX provided an affidavit of service by mail dated XXXX XXXX, 2017 of notice of sale scheduled XXXX XXXX, 2017. In the same letter XXXX XXXX maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents XXXX XXXX has provided. Upon repeated requests for a payoff amount or statement, XXXX and their attorneys XXXX XXXX XXXX, have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the 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 05/14/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I printed the online Annual Credit Report Request Form & submitted copies of all the info they required : SS card, pension stub, XXXX form, driver 's license & utility bill. This was mailed XX/XX/2015. Their form notes that this will be processed within XXXX days of receipt, & if there are any issues w/ my submitted material, they will contact me. There has been no contact & I have not received the Equifax report I requested as of today -- XXXX XXXX. When you call this company 's number, you not only can not receive a " person, '' but the telephone tree does not allow a provision for " status of credit report request. '' So I have all of this sensitive info adrift someplace making myself a prime candidate for identity theft -- exactly what I was trying to avoid. Note : All was mailed to Annual Credit Report XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. Their telephone # : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: I tried to transfer over {$1400.00} dollars from Coinbase.com to XXXX.com and my money has been pending on XXXX.com for over 6 days now. I have emailed them for customer support, opened a support ticket, and tried calling but they are not responding.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian is reporting inaccurate information on my credit report that needs to be deleted. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Social Security Numbers : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Collections U.S.A., L.L.C. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Credit Collection XXXX is trying to collect a fraudulent debt on behalf of XXXX for {$600.00} I 've contected credit collection XXXX and disputed the charge with them as well as experian. 

The collection ceased for a couple months and has returned. I 've never lived at the address where these services were used and have credit fraud monitoring, a filed police report, and have never been a customer of comcast, however these services were still allowed and now CCXXXX is pinging my credit for a bad debt.

Company response to consumer: Untimely response