milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Student loan (Non-federal student loan) with KEYCORP ().
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I would like to make an affordability complaint and refund of interest charges plus statutory interest and compensation due to these loans made available to me due to inadequate affordability assessment. 
I have only been made aware of this recently by reading on the internet web sites and I am persuing affordability complaints in the XXXX regarding my payday loans - full history is available on request. 
I was introduced to an off shore XXXX University XXXX based in the XXXX and was acceptable for a student loan through my XXXX school - office based in the USA : XXXX, Massachusetts XXXX, United States Phone : XXXX Fax : XXXX ; back in XXXX, I am not sure if this would be counted as a private student loan? 

Although I am a XXXX citizen since XXXX and resident, I had to get my cousin who is USA citizen to Co-sign for the loans x XXXX ( approx {$16000.00} x XXXX ) to pay for the education fees, which I am still currently paying off as priority, but with difficulty and do not wish to put this burden onto my cousin for falling behind on payments. 
This is causing severe financial distress and inconvenience, due to inadequate affordability checks prior to issuing the loans and also over the years this has not been checked. 
I was on forbearance for 4 years after graduating as I could not afford re payment and was unemployed during that time - XXXX - XXXX. I started repaying from around XXXX. 
No affordability checks were made prior to granting the loan, nor when I started to repay. 
The student loans were directly payable to the XXXX school from the American student loan company, so I had no access to the funds in any way to cover other educational expenses, which I had to take control of myself. 
I am also not happy with the customer service as I previously made a payment and I tried to delay it, but they banked the check, just to make me overdrawn and had to pay extra bank charges. 
Over the last 10years or so, I have been in considerable financial distress due to this and I had to take out many payday loans to cover my student loans as priority as my cousin in the USA is the co-signor and did not want it to affect their credit history, and everyday expenses. I had to continually borrow from many lenders to get by every month and deepened and spiralled into mounting debt, with financial XXXX. 
I therefore, as fair resolution, request a refund of interest charges plus accruable interest and compensation the way they have handled my loans disbursements without adequate affordability checks and credit file removed from the credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with M&T BANK CORPORATION (DE).
Issue: Loan modification,collection,foreclosure

Complaint: 2 years ago I went into a payment program when the house was going into foreclosure. I was not able to get the final payment in and was 3 days late they would not accept it till you called. It almost went into foreclosure again last winter but was able to pull out of it. They never disclosed to me there would be evaluation fees involved so two years later I receive a bill for {$470.00}. This is clear extortion of the customer and they will not waive the fees they never told me about. This bank has a history of this behavior and it needs to stop. We are current on this account and for the first time in a long time we are financially sound but can not afford for the bank to continually charging fees that we were never told about. This financial institution needs to be fine heavily and continuously and this will stop. please contact me for further details at XXXX. I want these fees waived and they need to be held accountable because this is more than ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Complaint against Equifax I need to know the information Equifax and the credit grantors are using to keep reporting those accounts I suspect to be result of fraudulent activities, in order to find out if I can identify the possible fraudulent acts and actors. Nevertheless, Equifax makes it very difficult for me to conduct my investigation. Even though, I have found already wrong addresses, employers, phone number and even some credit grantors have contacted the credit bureaus reporting possible fraud in my file, they still do n't cooperate with me for a resolution of my problem. The following are some of the things I have tried in good faith to resolve these issues : 1. I have been disputing items in my credit report that I am suspecting to be result of fraudulent activity, for over a year now. Nevertheless, Equifax always comes back saying that the items were verified by the credit grantors. ( see attached documentation ) 2. I have requested them to provide me to the information the credit grantor used in order to authenticate these accounts and they never reply back to me. ( see attached documentation ) 3. They pretend to open a new investigation every time I send these letters requesting additional information used to identify those accounts as mine, and few days later they return a result as already investigated and with new information added to the file. This new information is never provided to me, in details, when I request this to be sent to me. ( see attached documentation ) 4. They have requested me to contact the credit grantor. When I have contacted the credit grantor to obtain additional information they always failed to respond to me. I have even copied Equifax and I have requested them to remove the information should the credit grantor fail to respond to my request for additional documentation. They never remove this information. ( see attached documentation ) 5. I have sent evidence of my failed communication with the credit grantor and they have chosen to ignore it. ( see attached documentation ) Please kindly proceed to open a complaint against Equifax. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Consumer Loan (Installment loan) with Monterey Financial Services LLC (GA).
Issue: Taking out the loan or lease

Complaint: I had a medical procedure two years ago and used XXXX to pay for my procedure. Monterey Financial created our loan. We have been paying our loan to them on a monthly basis. Monterey started showing on our credit report that we were past 30 days and we have only been past 30 days one time. I contacted Monterey several times asking for an audit and was not given XXXX. We disputed with credit bureaus and then received a contract to validatensure our debt. When we got it we noticed the amount financed on contract was not accurate. We contacted Monterey and was told the amount did not matter because we signed the contract and it was a binding contract and we were responsible to pay. Please help!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ENCORE CAPITAL GROUP INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Midland Credit Management keeps reporting 2 collection accounts to my credit report. I have sent them letters dating XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, asking them to provide a contract with MCM as validation with my signature. They ca n't provide that. They can only tell me that the screen shows I owe them the money. They continue to report this to my credit report with all 3 bureaus which costs me more money in interest with the companies that I do have contracts with and I have been denied credit because of this issue. I want this false information to be taken off of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with JMS Associates, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX at JMS Associaties told an employee about the debt, the amount owed, and who it is owed to. 

He continues to call several times a day and emails several times a day even after speaking with someone and leaving a voice message. 

I 've faxed a cease and desist letter to stop all contact immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Why does it feel like Experian is n't reading my letters I 've sent certified mail to them? 

Feels like no one is taking an interest as I have not gotten anything from them back as far as results are concerned and any investigation. 

Why do I have to spend so many countless hours on this? 

See attached.

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 12/14/2017 about Debt collection (Medical debt) with RS Clark and Associates, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I would like to file a complaint on a collection agency, that is listed on my credit reports as R. S. Clark. This company is trying to collect two debts in the amounts of {$310.00} ( reported opened XXXX/XXXX/XXXX ) and {$92.00} ( reported opened XXXX/XXXX/XXXX ). I have made several attempts via fax for this company to please provide proof that this debt belongs to me. They have failed at providing the proof and have only submitted correspondence stating that they require more time to submit the requested information. The last correspondence that was received was XXXX of XXXX advising that they needed more time. As of date I have not received any other correspondence from this company nor have they requested for the credit agencies to remove the said debts. I have also disputed these allocations with the collection agencies as well and have been told numerous times that the collection agency filled out a form that was sent to them stating that the debt was mine. When I asked the credit agencies if the company supplied any proof to them to validate that the debt was mine, I was told that they do not have to submit any proof, that they just fill out a form and that is sent to them when there is a dispute. I also looked up on the Texas Secretary of State website to see if this agency is even bonded to collect in the state of Texas and found that they are not bonded to collect in the state of Texas. Their bond cancelled on XXXX/XXXX/XXXX. Can you please assist me with this issue? I have tried and done everything that I could to get this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Billing statement

Complaint: I have XXXX promotional balance transfers on this account, but in the " Interest Charge Calculation '' section, where it reflects the APR ( all 0 % ) and end date of each transfer, there is no balance in the column " Balance Subject to Interest Rate, '' even though there is a balance on the card. I think this amounts to unfair credit practices, and prevents the consumer from being able to accurately track where payments are being applied/having a paper-trail reflecting this information. It also prevents a consumer from being able to know the balance that needs to be paid off before the promotion expires - without making a phone call to the bank to get the information. Therefore, the bank is setting up a situation where a consumer could unknowingly let a promotion expire without having paid off the related balance and then be charged interest on the remaining balance after expiration. It also prevents proper planning on the part of the consumer to ensure that the balance is paid before expiration of the promotion. 

The bank has also, in the past ( XXXX 2015 ), charged me a minimum interest charge ( related to a membership fee ) - but never reflected the amount of that membership fee as an amount subject to interest. This prevents the consumer from having an accurate picture of his financial situation, and means the interest will continue to accrue because the consumer can not see the balance subject to interest that would need to be paid off in order to avoid interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/20/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I had hired XXXX after many attempts requesting loan information from a home equity loan from XXXX XXXX. After XXXX XXXX federal XXXX failed to respond and provide requested information. XXXX and XXXX removed account completely. Experien after disputing did not find anything wrong, I resubmitted dispute and they are now investing by contacting furnisher. XXXX XXXX has also reported illegal update stating this account was an open revolving line of credit. Which recently interferred with first savings denial on my home refinance application. They had asked if I intend to pay off XXXX XXXX. After they illegally closed my home at sheriff sale they continue to abuse me by punishing my credit history which controls my way of living. XXXX XXXX real estate XXXX XXXX has recently said they do not like me therefore they did not sell my home to my brother. Which I had rights as home owner to simply transfer title from very beginning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Different 3rd Party Debt Collection companies continue to buy and resell and report to XXXX credit agencies some bogus debt supposedly owed to XXXX XXXX for unpaid telecommunications/internet services which I never had. I have lived at current address for almost 4 years and had XXXX XXXX for nearly 10 years. This bogus debt keeps reaccuring on my credit report from various 3rd Party debt collectors whom can not vaildate the debt and do not possess the required documents to support their claims. They continue to renew it and it comes up as recently reported as recently as a week ago. Sometimes it is reported multiple times on the same credit report as slightly different debt, for under {$200.00} dollars most often as {$56.00} or {$150.00} dollars debt. This needs to be removed and the credit bureaus refuse to take any action to remove this despite it being in violation of the FCRA.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KS).
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: As of today   XXXX   XXXX   XXXX  ,  XXXX  shows an open account with  XXXX   XXXX  with an outstanding balance of {$810.00}. They show this account was initially reported as of   XXXX   XXXX   XXXX  .     I have received no bills, and have no idea what this is for. I have confirmed with the   XXXX   XXXX   XXXX   at  XXXX  that I owe no balance to them. That all charges that would appear as   XXXX   XXXX   have been paid and no balance outstanding since   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 11/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: i disputed the tax lien with trans union a few times, and they came back verified, when i called to request a method of the verification, and i told the rep that this is not a good verification, so he called the county court clerk to verify the information, and the county court told trans union that they do n't furnish or verify any information and that means the investigation of the dispute is over and the results is unverified, therefore the information on my report is unverified information and needs to be removed from my report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX social security # XXXX XXXX XXXX XX/XX/XXXX social security # 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 04/24/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: My 20 year credit history is great according to XXXX and XXXX, however Experian has no record of my existence. This is posing a problem because I 'm trying to secure a mortgage for a home for which the seller has accepted my offer. Nothing at all came back from Experian when my broker ran my credit report. I tried to receive my credit report from Experian 's website and phone services, but they say " We 're sorry, we could not fulfill your request at this time '', but gave a phone number and email to contact. 
I sent an email, several days ago and have heard nothing back except for an automatic confirmation that they received it. I also tried the phone number but I am not able to speak to a person without a credit report number. I was able to finally get ahold of a real person after calling their business customer service line ( getting yelled at for doing so ) and getting transferred several times. The customer service representative I finally got on the line was not able to access my account, and " escalated '' the issue to a group that " handles these issues '' through an email that only Experian employees have access to ( there is no way to call this group either ). He could n't give me an estimate of how long it would take, but said they would call me back soon. Based on my previous experience with Experian and email, I have no guarantee that I will ever hear back, and I do n't know what is considered a reasonable amount of time to wait for them to respond. 

So, I 'm getting a bit antsy as this is the last step to getting my dream home, the clock is ticking, and it seems I may not be able to secure a loan without resolving this glitch. I figured that filing a complaint here was a good step to take. 

I should note that my identity was stolen in XX/XX/XXXX and my social security number was used to purchase multiple vehicles. I reported it as soon as I found out, filed a police report, and thought I did a pretty good job clearing my name, although this was before the Fair Credit Reporting Act was passed and there were not the legal options for me to pursue ( I did consult a lawyer at that time ). I did not have a problem securing a mortgage in XX/XX/XXXX, refinancing several years later, or obtaining a credit card since then. So I 'm not sure the identity theft incident is related, but thought I should mention it. 

I can submit any supporting documents you need to help me resolve this. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I initially sent a sepa transfer to coinbase on XX/XX/XXXX which they had received no problem they contacted me 7 days later stating that their was an issue with the sender being a third party source which was not the case as it was my bank account sending to my coinable account. on XX/XX/XXXX i received a email stating the money will be sent back to the sending account until this day i have not been contacted by coinable to get this issue resolved. i have sent them everything they need in order to refund the money to my account yet nothing has been sent and no response has been given to a number of emails. the amount was XXXX GBP.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was in prison at the time this account open in XX/XX/XXXXyou can look me up at XXXX.. I been XXXX since XX/XX/XXXXSo I was not around to open this account or somebody else use my IDLVNV FUNDING LLC is trying to collect {$12000.00}

Company response to consumer: Closed with explanation