milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/15/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While reviewing my credit report I noticed a credit card in bad standing that I was unaware of. Upon contacting the original credit company they stated that the debt was sold to LVNV Funding. I have disputed this debt multiple times and have not come to a resolution. When contacting the credit collection agency I have requested statements and other documentation that they were unable to provide. I was directed back to the credit card company who would also not supply information stating that the collection agency now has all information. The debt collection company and the credit card company both are unable and unwilling to provide me any information about the debt but will also not remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Trouble during payment process

Complaint: XXXX and USAA have continually raised my escrow payment to compensate for their misdeeds. In approximately one year of having this VA loan there have been three escrow analysis and two payment increases. This is highly unusual and unheard of. 

The first increase, which has already been reported to CFBP, was due to USAA and XXXX targeting and discriminating against this Veteran. They willfully misappropriated my escrow account funds, charged me twice for a hazard payment depleting my escrow account and refused to refund the money they forced me to pay in unsupported fees and escrow " shortages ''. 

I went to pay my mortgage in XX/XX/XXXX only to find XXXX again raised my mortgage payment after performing a third escrow analysis or the second in less than a month. 

Both USAA and XXXX have refused to provide a single point of contact within their company to address this matter and insist that I make numerous calls to talk to XXXX and then USAA even though XXXX is the servicer for USAA. 

I am continually pushed to various agents within XXXX, left messages with no contact names or numbers, calls never returned, charged unsupported fees and forced to spend months pushing them to address these matters. All the while XXXX collects " shortages and unsupported fees '' they refuse to return.This is targeted harassment and discrimination. 

XXXX has refuse to fix their own system and have cause significant amount of distress and suffering. XXXX points to USAA and USAA points to XXXX to fix the fraudulent increases while neither do a thing and charge $ XXXX in unsupported fees and $ XXXX in escrow " shortages '' that both USAA and XXXX admit they created through deceptive acts of double charging and using escrow money for purposes not contractually intended while pocketing the unused portions. 

Simply put USAA and XXXX have continually used misused escrow funds at the expense and peril of the owner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CMRE Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I do not have a contract nor any contract with CMRE Financial Services. I have never done business with this company. I am not liable for comllect from this debt from XXXX XXXX XXXX. I am not responsible for this debt from CMRE Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (MD).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This complaint is directed toward Lexis Nexis and its affiliated companies involved in consumer credit reporting. I have been trying to fix erroneous information being reported on my XXXX and XXXX reports. The information is being supplied by Lexis Nexis databases according to both CRAS.
I have requested my consumer reports from Lexis Nexis repeatedly through email, fax and letter and have been ignored. I would like every and all information that Lexis Nexis compiles about me and have all errors deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My Federal & Dept. of Education loans are being serviced by Navient. In making payments to them, I 've noticed I do n't have the ability to designate the allocation of the payment ( s ). Upon reading their allocation terms, I learned that they automatically & unilaterally allocate the entire payment to interest & fees FIRST, principal LAST. This stretches out the life of the loan artificially & takes away my individual right to decide how my money is used in servicing this extremely high debt. I understand there is a class-action lawsuit regarding this very issue & I would like to get more information on how to get involved. The universities I have this debt for attending are : XXXX University XXXX University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, TransUnion, XXXX ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.

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 09/27/2016 about Debt collection (Medical) with Aargon Agency, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Debt collection agency continues to add interest to my medical debt. They ca n't provide me with the interest rate information when asked. I am told just pay this and it wo n't matter we will waive the interest when you pay us off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Coinbase Case ID : XXXX My XXXX BTC has been awaiting approval from the coinbase vault to the main wallet since XX/XX/17. Actually since XX/XX/XXXX but i cancelled and retried again.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Mortgage (Reverse mortgage) with JAMES B. NUTTER & COMPANY (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I have rescinded this mortgage notified lender and loan servicer by way of mail, 20 days has past since rescission of loan but no response only continue collection activities to harass and oppress. Loan servicer and debt collector Jame B. Nutter continues to collect this debt and ignore my rescission and demands for validation and verification of an alleged debt that they are attempting to collect. 
XXXX XXXX Mortgage XXXX XXXX is no longer in business and is barred from engaging in any activity concerning financial products or services to consumers because of fraudulent activities. 
Debt collector James B. Nutter has violated the Fair Debt Collection Practice Act not just once but several times specifically 15 USC 1692g ( a ). 
Debt Collector James B. Nutter has used and shared private documents publicly without any prior consent or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was threatened over the conversation by a phone call from Bank of America in early XXXX, 2015. The gentleman told me that I am fully responsible in debt of {$21000.00} because this account is under my name with my social security number. I was very afraid my credit will be damaged and worried about the employment opportunities in the future if I refuse, I agreed to settle with him verbally. 
I received the confirmation letter about two weeks later, the settlement amount of {$5500.00} scheduled of XXXX installments starts from XX/XX/XXXX. Each payment will deduct from my checking account automatically. However, I discovered this account does n't belongs to me ; I am neither the business owner nor holding Tax ID. Meanwhile, I do n't have enough money to cover the payment. 
The overdraw protection plan of the BOA works and yet accelerate more debt. I called to reverse my money back to my checking account, unfortunately, every one were dropping the ball although XXXX of the gentleman told me that he is issueing the request for me. I went to bank 10 days later personally, they told me it is still processing because holiday and weekend. 
I also discovered none of any letters from I received indicated the fully credit card number ( XXXX of confirmation, XXXX of reminders to XXXX of attempt to collect a debt. ) I 'm very anxious want my money back to pay the other past due payments. I should n't made this kind of mistake, what a fool I am!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit card () with PENTAGON FEDERAL CREDIT UNION (MO).
Issue: Credit determination

Complaint: It appears my ex husband opened a credit card with my name on it without my knowledge. The card was opened on XX/XX/XXXX. It states clearly under where I would sign that I was not available due to I was XXXX. I was never XXXX. Also, my date of birth is wrong on the application. This credit card is showing up on my credit report. He continued to use the card after we were divorced on XX/XX/XXXX maxing the card out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GC Services Limited Partnership (UT).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a phone call from XXXX at XXXX MST. XXXX XXXX asked to speak with XXXX XXXX. I said " This is XXXX, What can I do for you '' XXXX then attempted to verify my address prior to providing me with my mini miranda rights. I ask her what company she was with and she informed me that she represented GC Services. I informed her that I do not work with her company and what the call was about. She informed me that it was a personal business matter. I asked is this in regards to a debt and she said yes. I informed her that she is required to provide me with the required mini miranda prior to asking me to provide information. She failed to ever say the mini miranda period.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: Dear BCFP, On XXXX XXXX, 2015 my sister and I filed our first request to access our mother 's " 360 account '' with Capital One Bank. XXXX. On XXXX XXXX, 2015, we submitted XXXX required documents : our power of attorney document and the required document for power of attorney that is specific to Capital One. We have been told at every turn that these are the only documents needed. 

Since XXXX XXXX, 2015, we have re-submitted those documents multiple times ; we have called many times ; we have done everything by the book and by Capital One 's rules. They still wo n't give us access. I ca n't get any tax information from them. Meanwhile, as we try to take on a major bank, our mother has literally weeks to live. Can you please help look into this act of wanton stonewalling and ineptitude so that our and similar cases will not reoccur? 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
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: Equifax is reporting a few accounts only as a collection. There is no name as to where it 's from. I have tried several times to get it resolved but no luck. Can you please help me with this? I do n't know where else to go. 

They have two accounts with the same number of XXXX, and an account number of XXXX, XXXX. These 4 accounts I do n't know anything about.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Prepaid card (Transit card) with Empowerment Ventures, LLC (SC).
Issue: Unauthorized transactions/trans. issues

Complaint: I have funds missing from my account and I 'm unable to access my funds. I need gas and have to pay bills. My balance is showing XXXX and I know for fact I have about {$350.00} missing. Rushcard needs to cut me a check for this upsetting experience. They ca n't pull up any account information when you call customer service. It 's sad. I 'm depressed behind this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Problems caused by my funds being low

Complaint: My checking account has been charged {$3500.00} since it was opened. These fees are abusive to my account, some fees are justified and some are not. When you try to discuss it on the phone or at the branch you are treated rudely almost all of the time. It is as if " How dare you question us ''. there is inconsisstancy in there procedures, most of their customer service reps never tell you what is the banks policy and when you question them or catch them their answer is I am not a bank official. When you withdraw money by overdraft service they double and triple charge you, by this I mean if try for {$100.00} it refuses and then you try for a different amount to add up to the {$100.00} they charge you not the XXXX {$35.00} fee but up to XXXX or XXXX fees. when I questioned this you would have thought i was speaking a different language bot at the branch and on the phone. They just take their fees at will and I am so disgusted by their attitude and the free access to my account. They just take without notifying you or allow you to question them. They are not allowed to touch my money at will. I repeat {$3500.00} in fees since -XX/XX/2015. Never return promised calls, take money from account leaving nothing left then you mention no money to live on, get to work, suffer from XXXX and other issues and they dont care. Really how can they do this. Never mind my pension deposits never hitting account on time or giving information on it a direct deposit. typical answer nothing posted yet, such a disgrace this bank and management.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Date : XXXX/XXXX/2017 The Navient representative states that I called in the beginning of XXXX to set up payment, and that the payment was drafted including a one-time charge of {$1.00}, which was reversed from the bank. This resulted in the automatic debit not working, and the forbearance to get the loan back-on-track failing. Representative states that I was contacted about the situation, but I never received any communication over the phone, in email or via mail by Navient or even my bank regarding the transaction.Because of this, my payments went back into a negative, past-due status. Today, I made a payment of $ XXXX to bring the account current again using the same methods used the last time. The representative stated that they will keep a tab on the {$1.00} charge to make sure that it is not reversed again, and will follow-up. I would receive a call from a XXXX XXXX XXXX mobile telephone # if this is the case. Otherwise, my next payment of $ XXXX will then be drafted on XXXX/XXXX/2017. **Please note that this is not the first occasion that has happened with Navient XXXX The above is XXXX of the documented cases that I have with the company. This has happened before as I needed to postpone a payment so that I could cover living expenses, and get caught-up on other important bills. XXXX XXXX and Navient has done very little, if anything at all to work with me. I 've had this XXXX private loan for 10 years now, and all of the money I paid has gone to fees and interest charges. The loan is exactly the same amount as when I had to take it out over 10 years ago. Nothing is ever explained well or documented and it is always a mystery game with them. It 's very unsettling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Mortgage (VA mortgage) with Pacific Home Loans, Inc (MD).
Issue: Settlement process and costs

Complaint: I was working with a XXXX XXXX to refinance my loan using VA XXXX with Pacific Home Loans. I signed paperwork but in the end I decided that the loan was n't conducive to my needs and asked to cancel it. The XXXX XXXX told me that I would have to pay a {$500.00} fee to cancel. I corrected him and told him by law that I had three ( 3 ) days to cancel the loan and since he did n't provide rescission documents I actually had three ( 3 ) years to rescind. He asked me to send him an email and I told him that I sent a certified letter to cancel. I 've checked and the loan paperwork is still active.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Disputed accounts on my report and all three reporting agencies came back as verified. Sent a letter for Method of Verification to all three reporting all three received the letter XXXX/XXXX/XXXX. As of today XXXX/XXXX/XXXX I have not heard nothing back from none of the credit agencies about my request. I have contacted XXXX rentals asking for a signed copy of the contract to no avail. They are reporting these accounts and the credit reporting agencies are reporting these accounts that are not mine. No one can show me a signed contract. The credit reporting agencies had 15 days to show me how they verified these accounts and is well passed that time limit. XXXX is reporting a account from a collection agency that I originally disputed with all three agencies, XXXX and Transunion removed these accounts but XXXX is still reporting this. Contacted the collection agency and they stated the no longer hold rights to account. But, XXXX is still reporting.

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 03/22/2015 about Mortgage (VA mortgage) with FIFTH THIRD FINANCIAL CORPORATION (OR).
Issue: Application, originator, mortgage broker

Complaint: I utilized your agency to file a complaint against Fifth Third Bank. ( case # XXXX ). This problem my dealings with a home loan through this bank. I finally resolved the issue by going to another bank ( XXXX Bank ). to take over the original loan. I am a veteran so recently I have been exploring the possibility of utilizing my XXXX ). I started this process thru XXXX XXXX. According to the XXXX XXXX representative, XXXX XXXX, ( ph # ( XXXX ) XXXX ) with whom I am making this loan application, stated that until recent date the credit report from Fifth Third bank did not contain any negative information about my credit history.. All of sudden XXXX XXXX is sent this fictionalized account of my relationship with Fifth Third Bank! According to XXXX XXXX, this document was sent in an underhanded manner in order to sabotage my XXXX application with XXXX XXXX. This unethical bank ( Fifth third ) is attempting to deny my rights as a veteran to obtain a home loan in retribution to my contacting your agency!

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This case was disputed and the results are the same. I sent the original debt collector a notice to show validation of the debt pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ). The notice was sent by certified letter, copies of which were sent to the credit reporting agencies, Transunion, XXXX and XXXX. The validation of the debt was never sent to me which the credit reporting agencies were informed of this by the credit reporting agencies. ; however they never removed the debt Account # XXXX, for the debtor failure to validate the debt. Instead the credit reporting agencies continue to allow the debtor XXXX collection to put this debt on my credit reports with out validating the debt out the guidelines on validating a debt. Their means of validating the debt is simply responding electronically that I owe the debt. The issue with my initial complain was the address listed on the credit report XXXX TN XXXX the notices were returned, the address is not a correct address where the collection account can be reached. This error along with the debt collector not validating the debt should be gounds for it to be removed.

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