milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax failed to protect my data. This I have to go to extensive measures to ensure my identity is not stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2016 about Mortgage (Conventional fixed mortgage) with ETHOS LENDING LLC (CA).
Issue: Settlement process and costs

Complaint: The lender Ethos Lending charged lock extension fee unnecessarily when they had required conditions in house for 10 days or more. Lender kept insisting on stamped received tax return when the return was already e-filed by tax preparer. We explained many times to the underwriter that the IRS will not re-stamp a e-filed tax return because it would require a new confirmation number and that it would confuse the IRS system. The Underwriter did not believe us until they charged us the {$650.00} lock extension. Then all of a sudden it was a non issue. The borrower was a XXXX and I had promised him a no fee loan. I as the broker had to reimburse him for the {$650.00} after the loan closed or he would have cancelled the loan. I repeatedly had asked XXXX XXXX the Sales Manager to refund me on this matter, however most of the time he did not return my phone calls or e-mails only to say that he would look into the matter. 
I think this is a way for them to make more money on their loans by having the lock period expire and then charging the broker for a lock extension. Their administrative side is also lacking because you could not talk to a underwriter directly. Only by email and most of the time you did not get a reply. Their former XXXX XXXX XXXX will testify that this is the truth as he agreed with me that it was the lenders fault for letting the lock period expire unnecessarily. I have enclosed a letter from the sales manager stating that he totally agrees with my argument and will go higher up for a solution, however nothing has been done to this date

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/19/2018 about Checking or savings account (Checking account) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WV).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: Dear XXXX XXXX XXXX XXXX, Are you still unable to raise the fee of just {$180.00} to enable us send to you the original copy of your draft? 
XXXX XXXX. 

Sent : Monday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I don't have the money yet I will let you know ok and I am not sure yet either XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " foreign operationscbn '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , Send the fee {$180.00} to us by Money Gram Or XXXX only in this Name : Receiver : XXXX XXXX XXXX. 

After payment, send the money gram control number to me to enable my secretary go for the collection from money gram office here.On receipt of the fee, the original copy of your draft will be send to you by courier service. 
Yours Sincerely, XXXX XXXX. 



Sent : Sunday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " foreign operationscbn '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : And tell me where to send the XXXX dollars to and I will as soon. As I get a chance. You would not understand what I am goi g through but I will send for this XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Why??? 

Sent : Saturday, XX/XX/XXXX at XXXX XXXX From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I am no longer interested. 

XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Still haven't hear from you why??? 
Sent : Monday, XX/XX/XXXX at XXXX XXXX  From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I will send it soon. I p my get paid on the XX/XX/XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " foreign operationscbn '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , We are still waiting to receive the fee from you as you promised. 

Sent : Thursday, XX/XX/XXXX at XXXX XXXX  From : " XXXX XXXX '' <XXXX> To : " XXXX XXXX '' <XXXX> Subject : Re : Dear XXXX XXXX XXXX XXXX.Here Is Your Draft : I will when I get the money I don't have this now XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, " XXXX XXXX '' <XXXX> wrote : Dear XXXX XXXX XXXX XXXX , Here is your draft.Could you please send the fee {$180.00} to us by Money Gram only in this Name : XXXX XXXX XXXX. 
After payment, send the money gram control number to me to enable my secretary go for the collection from money gram office here.On receipt of the fee, the original copy of your draft will be send to you by courier service. 
Yours Sincerely, XXXX XXXX. 


Inline image I am not able to raise anything just take the fee from the fund you are so desperately wanting to send to me XXXX XXXX XXXX XXXX Show quoted text

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have full or Part time status in XXXX school and received an email from Navient to check my account. When I checked my account, I noticed I was two months past due with a late charge. I called Navient and spoke with a representative and advised him that I was still in school. He explained the he did not receive any information from the school. I explained to him that can not be the case since XXXX XXXX received the information that I 'm in school. I advised him that I could not afford and should not have to afford the payment if I 'm still in school and was advised that he could not do anything for me. 
My question is and correct me if I 'm wrong, Does n't Federal Law state that if you 're in school full or part time, you student loans will remain in Forbearance? If so, how and why am I being assisted charges? I have read over XXXX reviews about Navient and there is nothing positive.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with USCB, INC. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter over the XXXX holidays for an amount I owed my medical provider in XXXX. The total amount seems suspicious and very low ( totals to less than {$100.00} ). But this debt collection company XXXX XXXX has added on {$2200.00} as additional and {$550.00} as interest! 

To my knowledge Ive paid all the bills correctly with my medical provider. 

In addition, they claim to begin collection activities within 10 days of receipt of the mail. Unfortunately that means that due to the holidays, it leaves me very little time to respond and investigate. 

Plus, adding XXXX dollars to a XXXX dollar debt seems ridiculous. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: My XXXX XXXX account was purchased by Capital One and converted to a Capital One Rewards Card. The previous month before the transition occurred my interest charges were {$93.00}. The month following the transition to the Capital One Rewards Card was {$120.00}. I automatically thought that my interest rate had been increased during the transition without my knowledge. So, I called and the CSR and she told me the interest rate was unchanged and the only explanation she could give was there was an additional 3 days in the billing cycle. I still do n't understand how 3 additional days of interest accumulated to {$31.00} on a lesser balance then the month before.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have sent to Experian and XXXX copies of my current drivers license along with utility bills showing my correct address and that the ones they have listed other then it are incorrect. Yet they do not remove them, I have sent the proof to XXXX 3 times and each time they claim they need me to resend the proof. I do not understand why they are being so difficult in correcting my address. I have also notified them and ask for proof of several inquiries appearing on my report yet they both just send me canned letters about credit inquiries and nothing proving I authorized them or any thing, this also includes XXXX XXXX in this complaint on the inquiries.

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 06/29/2015 about Credit card () with DISCOVER BANK (MD).
Issue: Customer service / Customer relations

Complaint: This is my XXXX complaint about actions of the Discover bank and account that I used to have in the past with them. My XXXX complaint was about disrespectful attention and harassment at work settings by hired attorney XXXX. I currently contacted the Executive office of Discover Financial Services. When my card stopped working at different places I requested to change my account and resend me a new card. They had changed my account and resended me a new card that I had never got in mail. I requested to to resend it again and no one respond me so far. Yesterday came to my work woman from Discover and its financial collection agency. I pay the card XXXX a month I requested to have online account ot save XXXX on money order and stamps they have n't bill me, I have n't received any paper statement with address of payment and the XXXX stands up too high payment based on my current income its over XXXX. I think everything is unrealistic. They also reported to the credit buraue I think that I do not have access to internet and card account to make payment. They just want to mess my credit and stopped all communications with me based on I believe racial discrimination of XXXX collection agency of my employment supporting XXXX of XXXX with prove of that card belongs to them and they will pay it off when will hire me. I am against of unwanted employment and actions that XXXX is taking for my personality discriminating me against desired employment and income and other factors which are happened with Discover financial at work settings. Please advise what I can do in that case. I mail payment but do not know if they are accepted and why they ca n't send me temporary card with online account or monthly statements with confirmation of my payments. I had never got the replaced card in mail and other mailings as well, only discrimination at work by XXXX agency hired to collect the debt. 
Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX XXXX, 2017 : I noticed on my account the withdrawal of XXXX. I called immediately and asked why and was promised a call back that was never received. I then called today and after a long wait, I then got through to the Online Banking team and was told my account was under investigation, I asked for a timeline so I can retrieve my funds. I was told I can not have that information. As you can see that is not convenient for me as I use my account for business activities.

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 monetary relief
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My Equifax Credit score dropped significantly with in the last 2 months. I contacted Equifax customer service representative to try to rectify the problem. I never had my credit scores to drop 172 points in a weeks time.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Money transfers (Domestic (US) money transfer) with CITIBANK, N.A. (FL).
Issue: Other transaction issues

Complaint: Made a domestic wire transfer from Citibank to XXXX XXXX XXXX Bank on XXXX/XXXX/2014 ( Citibank reference number XXXX ). Shortly thereafter it was discovered that the beneficiary 's account no. was incorrect. Several requests were made via Citibank to XXXX XXXX to return the funds but to date XXXX XXXX has refused to return the funds despite Citibank 's repeated recall requests ( Citibank wire case XXXX ). To date ( XXXX months later ) funds have not been returned.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was victim of a hack and they believe my information has been leaked. This is a part of the larger hacking story involving the 143,000,000 identities being leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Vehicle loan or lease (Loan) with TD BANK US HOLDING COMPANY (MO).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I met XXXX XXXX, XXXX, Cell XXXX, while at a XXXX XXXX XXXX  convention in XXXX XXXX, MO on or about XXXX XXXX or XX/XX/XXXX. XXXX had just purchased XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX in XXXX, GA XXXX. We both were members of XXXX XXXX. XXXX XXXX actively encouraged members to secure favorable, better than market purchases, purchases with given dealerships. Such opportunities being one of the benefits of XXXX XXXX memberships. I asked XXXX to find a new full equipped XXXX XXXX. For what ever reason he could n't or would n't deliver on that and asked me if a used vehicle would work and I agreed for a low mileage XXXX. On XX/XX/XXXX we closed a long distance transaction on a XXXX XXXX XXXX. All of XXXX 's paperwork showed this vehicle as a XXXX XXXX XXXX XXXX. However I later learned that this was actually a XXXX model with XXXX miles. XXXX XXXX, XXXX, Cell XXXX, was the sales person whom I did n't speak with until all paperwork for signatures for purchase. Whenever I phoned XXXX to inquire about the delay in moving forward with my purchase he never indicated that financial institutions were declining me. Then after we closed the transaction about six different financial institution 's decline letters began arriving. This gets us to my perception that this was a fraudulent loan transaction. And I just paid off my loan effective XX/XX/XXXX. <P/>As indicated earlier I personally met XXXX. So he knew that I was XXXX XXXX. One of the several attachments that I 'm forwarding you shows my then credit score was XXXX. Therefore I 'm confused about the justification or merit in enjoying a 7.59 % T. D. Auto Finance loan also evidenced on one of the attached documents. Finally it is my hope that reasonableness and fair play, equity is yet available even at this delayed date.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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: I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 02/20/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX sent me a collection notice regarding an account that was clearly fabricated. It does not appear on my credit report, and I never opened this account nor did I agree to assume this debt. 

The original creditor they cite - XXXX XXXX. XXXX-Consumer -- is not associated with the IIN/BIN Number number cited ( XXXX ) -- and is in fact associated with a DEBIT card, not a credit card. A cursory check of the facts by Midland would prove that this debt record is completely fabricated. 

It's clear that they are trying to collect on fake debts, and someone needs to stop them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Debt collection (I do not know) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I purchased a foreclosed home and have continued to receive collection notices for the previous owner. I contacted the collection agency Rushmore Loan Management Services and explained the situation to them. The agent laughed at my circumstances after verifying that I do not have any 'accounts ' with them and directed me to fax a notice to their department of consumer affairs. The collection notices have continued to appear after I completed this action and the agent working on their behalf is taking photographs of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with High Point Asset Inc (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recently I was contacted by High Point Asset, Inc. and told that I had XXXX Pay Day loan debts that were out standing. My home address that High Point Asset, Inc. provided was incorrect, but they did have the correct bank account information. High Point Asset, Inc. would not provide me with any information pertaining t o the creditor/creditors that I supposedly owe. High Point made me agree to a payment schedule where they will be taking money out of my bank account starting on XXXX/XXXX/2015 each month until XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. 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 there was a billing error with my statement.

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 09/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (GA).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2016 unauthorized transactions was on my account. File complaint with claims department of chase. Call police department after getting home from work. File report with XXXX County police XXXX XXXX. Went to bank file complaint of unauthorized chargers on account. Temporary credit was given. Thought problems was resolved. On XX/XX/2016 XXXX chargers was place bank on account stating that there was no evidence of fraud. Sent more documentation to claims department, Bank refuse to credit account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-04-2015 about Consumer Loan (Installment loan) with Patenaude & Felix APC (GA).
Issue: Problems when you are unable to pay

Complaint: I have constanlty harras by this deb collectorOF A DEBT THAS IS XXXX YEARS OLD. IS THIS LEGALUNDER NAME OF PATANAUDE AND FELIX APC. 
THI IS PHONE NUMBER IS XXXX XXXX XXXX NUMBER IS XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (TN).
Issue: Managing the loan or lease

Complaint: On XXXX XXXX, I called Navy Federal Credit Union in regards to my auto loan account stating that I owed around XXXX dollars by XXXX XXXX, 2016. I called to inquire why this was. NFCU stated that my loan was up and I need to pay that amount by the XXXX of XXXX no if ands or buts. I stated to the Rep that I was unable to do that and I stated that I could continue to pay the XXXX for the rest of the loan. She said no and I could get the car refinanced, I stated " OK '' and she proceed to give her my information. She came back and said my payments would be around XXXX for 6 months. She said this will take around for days to be processed and updated. I have not heard back from NFCU, believing they do not care and only want there money. When my accounts are past due NFCU limits my ability to log on the account. after also reviewing my loan account, its looks like NFCU has charged me over the life of the account numerous unnecessary fees of XXXX to bring my balance up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Vehicle loan or lease (Lease) with FORD MOTOR CREDIT CO. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I am a customer of XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX has payments due every day of the month for their leasing and financing customers. If a payment date is on a holiday or a weekend it is absolutely not possible for their customers { me } to make a payment whether it be via phone or internet. 

Most people will pay their payment on the due date but will not be able to if on a holiday or weekend with Lincolns set-up ; thus this is a clear case of penalization for profit as XXXX XXXX XXXX XXXX charges late fees when a payment is made after the due date whether or whether. 

XXXX XXXX XXXX XXXX needs to change their ways like other institutions and play fair. Thus far they are not. Honestly, until today I didnt think that there were any financial institutions stupid enough to do what XXXX XXXX XXXX XXXX is doing. 

I do hope that with this complaint the Consumer Financial Protection Bureau severely sanction XXXX XXXX XXXX XXXX as no one should be taken advantage in this way.

Company response to consumer: Closed with explanation