milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2017 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I  was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of   XXXX   XXXX   60 days past due as of   XXXX   XXXX   30 days past due as of   XXXX   XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Managing the loan or lease

Complaint: Tower Loans, XXXX Missouri after being asked in writing to stop harassing calls, continues to call me multiple times per day. They call my work cell phone despite being asked to stop. They continue to call over and over, and leave messages that say " I know you have made your payment, but we need to talk to you ... '' or " this is XXXX, please call me back ''. They call from ( XXXX ) XXXX and ( XXXX ) XXXX mostly.

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 03/31/2015 about Debt collection (Payday loan) with Check City Partnership, LLC (NV).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was receiving daily phone calls from Check City regarding setting up a repayment plan on a payday loan that I was not able to repay when it was due. They pressured me to promise to pay more than I could afford and I told them this, but they continued to use high -pressure tactics to make me agree with them which I would end up doing in order to get off the phone. XXXX agent even starting yelling to her co-workers " she 's lying, she is not going to pay '' while using these colelction techniques. 

Then they would call me every day afrerwords even though we had come to an agreement and we would have the same pressure conversations causing me emotional stress. If I did not answer my cell phone they would repeatedly call my job, EVEN AFTER I SPECIFICALLY TOLD THEM I HAD GOTTEN IN TROUBLE WITH THE HEAD OF SECURITY, and they would make the receptionist give me a hand written note. 

In addition to this, they repeatedly called my boss and left him messages regarding the debt and he spoke to me about it as they were bothering him at work as well. This caused a strain on my work environment and additional stress to me personally. 

They also called my mom repeatedly as well as my long-time friend regarding the debt. 

The interest rates they charge and the amounts they loan put you in a cycle where you are unable to pay them back, and they will not allow you to make reasonable payments. I am responsible for agreeing to the " quick money loan '', but was not prepared for the horrible experience that i was getting myself into. Check City, however, is perfectly aware what they do to people who are facing having their water shut or electricity shut off with a child in the house and not only do they prey upon them, they proceed to harass and belittle them and make sure your job, family, and friends are aware of your personal financial situation as well. 

Shame on them. Perhaps if they would lower their interest rates to 100 % instead of 400 % - 500 % they would get paid back more often and still make XXXX times the interest a credit card company makes.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Billing disputes

Complaint: We were charged {$170.00} for a ride from the airport that we did not agree to. The driver claimed to be an XXXX and was not. No receipt provided. We asked 2-3x how much the ride would be and he said, do n't worry - it 's about {$5.00}. The typical ride costs about {$60.00}. We feel this is fraudulent and refuse to pay Chase Bank for the VISA charge. The receipt emailed was from XXXX Car in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/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 01/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XXXX XXXX - XXXX XXXX, 2018 I purchased {$300.00} in Litecoin from Coinbase using my bank account. My transaction has been pending for the last 9 days. 

Details : {$300.00} to purchase Litecoin @ {$280.00} I have sent Coinbase an email directly and contacted them through XXXX. 
My case # is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Was caught up in a real estate scam. Now I have a mortgage in my name for a house I do not own or live in. XXXX Years later, no one is making payments on the house and instead of foreclosing and ending this nonsense Wells Fargo wants me to somehow magically get the title back in my name. They wo n't foreclose and they have attorneys contacting me to tell me to transfer a title back into my name that I ca n't possibly do. XXXX complaint here also, everytime the rep from Wells Fargo contacts me he rude and ugly towards to the point of me yelling at him on the phone.

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 01-12-2016 about Bank account or service (Checking account) with PNC Bank N.A. (OH).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX I logged online and checked my balance. I had electronic items pending as well as debit card transaction. I knew I had gas purchases so I made a deposit of XXXX which then made my balance positive by XXXX ( I have a receipt ) after the system updated that night I woke up to see my account was overdrawn by XXXX. The only thing that I can see possible is that PNC released my hold on a XXXX debit card purchase that I had did on Fri XXXX/XXXX/15 because my acct ended up being overdrawn by almost that pymnt. I called PNC and explained I know I overdraft in the past somewhat often but I truly attempted to not overdraft by checking my balance and then making that deposit. I asked for a courtesy reversal. I was told that he could n't extend one because I had a courtesy reversal on XX/XX/2015. I did n't recall having one because I do n't call for one since I know I overdraft at times. I released the call with him checked and it was n't a courtesy reversal. PNC does n't charge fees if your acct is overdrawn under XXXX. I had wrote a check and was off by XXXX cents and PNC charged me an overdraft fee and then reversed it with the phrase Reversal threshold. Im thinking since it was under XXXX and should n't have been charged. I called back the next day and spoke to a polite young lady who agreed that was a bank error in XX/XX/XXXX and that I did qualify for a courtesy reversal so she was going to escalate it further for me and I would get a call back from their escalations group. A week later I receive a call from someone who left a message with a number to the department. I called and spoke to a XXXX XXXX. XXXX was quite condescending and told me that its a myth that banks waive fees. I explained that it cant be a myth when XXXX prior cust service reps told me that fees could be waive. XXXX stated I had already had courtesy reversal which I did n't and the other stated I was right and she would escalate it. I even stated the calls could be reviewed. She continued to not listen to what I was stating and was n't even going over the transaction period that I was referring to ( XX/XX/XXXX-XX/XX/XXXX ) by the time I spoke to her since I thought I had everything covered I ended up over drafting my acct again and she kept speaking on those transactions. It was obvious she no longer was listening to me so I asked for the president name of PNC to write a complaint. She would n't give it to me. I asked for her manager and received XXXX XXXX who had to look up the name and spelling of the president of PNC but she did give it to me. She also stated that its a myth that banks waive overdraft fees as courtesy. By speaking to the prior to reps before this " escalation department '' I know its not a myth and I feel I have been lied to by XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Auto debt) with Kirschenbaum & Phillips P.C (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: debt collector sent me and my friend a letter about a lawsuit against use for XXXX dollars but the thing is we never got served papers.i called XXXX XXXX clerks office an there was a lawsuit filed in XXXX/XXXX/XXXX but they say they served use on XXXX friend says he never got anything from them but a letter in the mail a month ago.for me they said they served me but i was n't living at the address they said they served me at for almost 2 years.in the letter it says to file an answer to the court i just got a letter on XXXX/XXXX/XXXX, why do they keep asking me to file an answer after 5 months if they know that there in the wrong. i did n't have a chance to file a answer or dispute it, they are known to pull this kind of illegal tactic before on other people.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: I obtained a loan in XXXX for an automobile through Westlake Financial Services for over {$16000.00}. I have been very ill for the last few years and feel behind on my payment. Unltimately, the car was repossessed in XXXX then sold by Westlake Financial Services. I received a copy of my credit report with fraudulent information. Westlake Financial Services has indicated this account is past due by {$1300.00}, currently delinquent by 30 days with a payment amount of {$430.00} and a balance of {$16000.00} none of which are true. I received a letter from Westlake Financial Services indicating the balance is {$13000.00}. I am XXXX now and I believe this company has a practice of reporting fraudulent information against consumers. I also do not believe this company is keeping accurate records in an effort to fleece consumers such as myself prying on us as a community.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XXXX XXXX, I filed for Chapter XXXX Bankruptcy. My bk was XXXX. Upon checking my credit report, I discovered that XXXX is reporting information on my report that is a violation of the FCRA and Bankruptcy Code by listing, on the summary page, accounts that I included in my chapter XXXX bk as " NEGATIVE '' or " LATE PAYMENTS. '' The creditor is supposed to discharge the accounts but they are not supposed to tell the credit bureau that it is a XXXX account. XXXX accounts can NOT be late-ever. 

Section XXXX of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' It is not reasonable to label an account that has been XXXX in a bankruptcy as " bad debt or late '' if the account was open and not XXXX off prior to consumer filing bankruptcy. Such designation is inaccurate, misleading because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. 

NEGATIVE REPORTING ON A XXXX DEBT IS A VIOLATION OF THE PERMANENT INJUNCTION OF MY DISCHARGE. My fico score has been severely damaged due to the credit bureau 's inaccurate reporting. They have interfered with me being approved for credit. I feel that I am being punished by the credit bureau and creditor for a difficult decision that was unavoidable. 

On XXXX XXXX, XXXX, I spoke to XXXX, Equifax rep and XXXX, supervisor, about the violations. XXXX told me that bankruptcy is negative and they will NOT remove the negative listings. Even when I explained that her company was in blatant violation of the FCRA and Bankruptcy XXXX, she refused to correct the severe damages to my credit report that they caused.

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 07/24/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Trouble during payment process

Complaint: Refinanced mortgage with XXXX. Closed on XX/XX/2017. Title company sent old loan company payoff amount on XX/XX/2017, that was several hundred dollars more than needed to payoff mortgage. It has been more than 30 days. Old loan company refuses to return my overpayment, has repeatedly lied about the amounts and details when speaking with me, and now has stopped giving me updates as promised. In short, they owe me several hundred dollars in over payment, now owe me interest from XX/XX/2017 on that amount, and are causing me pain and suffering. I have spent hours trying to get them to supply documentation and refund, to no avail. Bayview should not be allowed to stay in business and commit acts like this upon consumers. Old Loan Servicer : Bayview Loan Servicing , LLC ; XXXX XXXX ; XXXX Closing Company : XXXX XXXX XXXX ; XXXX XXXX ; XXXX Amount Paid : {$100000.00} Required Amount for payoff : {$100000.00} Date refund should have been received : Prior to XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Debt collection (Other debt) with CL HOLDINGS LLC (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Did not receive any information concerning this debt, this information is inaccurate. I am trying to purchase a home and this collection is damaging my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Debt collection (Mortgage debt) with OCWEN LOAN SERVICING LLC (AK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We were paying off a mortgage through " XXXX XXXX, '' an escrow company in XXXX, AK, when the entity to which they made payment was purchased by " Ocwen Loan Services, LLC. '' We paid the full amount of the loan through XXXX XXXX, and XXXX XXXX tried XXXX times to send " Ocwen '' the payoff amount which they refused, claiming that there were hundreds of dollars in " late fees '' accrued beyond the anticipated payoff amount. Ocwen has persisted in continuously harassing us with phone calls from off-shored " agents '' and frequent mailings. We feel that Ocwen is trying to take advantage of us as consumers by posting concocted late fees and other clerical and insubstantial fees to an astounding XXXX}. They have even gone to the ridiculous extent of charging us for insurance! Doubly ridiculous since we have insured the home ourselves ; they have no business doing so. The heinous nuisance of Ocwen 's interference in our lives is personally insulting to me, as this property is part of my pioneering grandparents ' homestead which a friend of the family had purchased and developed, then sold to us. We have held the title to the property since our final payment via XXXX XXXX, recorded on XXXX XXXX, XXXX. I find the Ocwen entity to be incorrigible and annoying in their attempts to rip off American consumers. Please do your best to stop this thieving company and clear my credit report of this DISPUTED CLAIM.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi, I noticed a hard credit inquiry on my Equifax credit report from XXXX XXXX, XXXX for XX/XX/XXXX. As I had not applied for any credit products from XXXX or otherwise consented for them to pull my credit, I called the company today, XX/XX/XXXX to  try to understand why. 

After spending 20 minutes on the phone with customer service, who was very nice and helpful, they found out that it was policy to pull credit on all new accounts at the firm. 

Now, that said, I 'm a XXXX XXXX, and I 've been a client of XXXX for about 8 years or so. I recently opened some brokerage accounts via their XXXX XXXX  platform, which XXXX acknowledges is the reason for pulling my credit. However, I did not apply for a credit product of any kind. Moreover, the MOST important series of facts is that there is no where, to my knowledge, in the account opening documents where I provided my consent. Additionally, if it was included in the docs and I somehow missed it, which would surprise me, it is certainly buried and in no way evident or obvious to a XXXX XXXX, and similarly is likely unknown to other consumers. Prima facie, this is a violation of the Fair Credit Reporting Act ( FCRA ) and I expect it to be addressed appropriately. If not, I will consider remedies under FCRA. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Money transfers (International money transfer) with BANK OF THE WEST (CA).
Issue: Money was not available when promised

Complaint: I sent a {$17000.00} wire transfer on XXXX XXXX. It is an international wire going to XXXX bank in XXXX, XXXX receiver 's name XXXX XXXX. I am attaching copies of he wire transfer. The funds never reached it 's destination and my bank has n't been doing enough to trace or recall and find our where my money is floating around to. Please, if anyone can help let me hear back. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Other

Complaint: I have requested a copy of account details for this account with Target National Bank. Target states they sold my credit account along with all account details. Target is not reporting my full account details on my credit report and are violating my Fair Credit Reporting rights. I am requesting verification of account billing and payment history details. I have contacted XXXX XXXX the company Target says they sold the account to and they said they too have no records for this account and no longer have the account. I would like the account information deleted and removed unless Target can provide documents to prove the facts they are reporting to all XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Non-federal student loan) with AES/PHEAA (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: AES collects on loans that NCT has purchased but they have never sent me proof that NCT owns this debt, the only item I have received was a loan agreement that I signed with XXXX XXXX XXXX. AES is committing fraud against me which I have recorded calls on my phone because they also lie about everything and does not have any knowledge of what they are collecting on. I have spoken to NCT and they acknowledge that NCT is a trust and does not make any decisions on the loans which AES claims they do. I also spoke with XXXX XXXX and he acknowledged that AES can remove any negative marks they put on someone 's credit and not sure why they told me to contact NCT. The whole company of AES are idiots and should be shut down. I can get correct information from other companies but AES hire people that do n't know anything plus they are recording people 's calls without giving them the disclosure which is illegal.

Company response to consumer: Closed with explanation