milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/25/2016 about Debt collection (Medical) with Peter Roberts & Associates, Inc. (NH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received written notification of the debt. I was unaware it existed until it was reported to the credit bureau, 4 years after the service date. When I requested validation of the debt the representative refused to comply, and stated I am required to request a validation in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with fraud alerts or security freezes

Complaint: Equifax has my credit report blocked and continue to tell me they do not. I placed calls to them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX after multiple attempts to sign up for third party credit monitoring through XXXX XXXX XXXX, XXXX, XXXX, and XXXX. Equifax during each call insisted my account was NOT blocked at all. Well, on Saturday XX/XX/XXXX I received an email from XXXX XXXX XXXX advising me that Equifax denied the request for monitoring which resulted in my having to cancel my account with XXXX XXXX XXXX. Then on Monday, XX/XX/XXXX I received notification from XXXX, via my Equifax credit report that there is a block on it. I am furious that multiple phone calls resulted in me being lied to. That is insulting and a waste of time! It 's bad enough you have caused MILLIONS of consumers grief with yet again ANOTHER system hack, but you lie to me when I asked a simple question. I consistently have to go back and forth with you on inaccurate data on my credit report, now you jokers have the audacity to block my file WITHOUT my permission. If this block is n't removed I will proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a single mother raising a XXXX. I have been targeted by lender and I feel this is based on my culture. I know that my counterparts many paid for school out of pocket. As a minority we are are the last hired at the lowest pay scales. I can accept that there is not much I can do about this type of discrimination. Now lender discrimination is a legal matter that should be addressed. I have on credit report 41 different accounts reporting of student loans. Each of these account have changed hands several time without any notice to me as the consumer. All accounts are showing negative payment history. Each lender has baited and switched these accounts for leveraging against me as single parent. I have received correspondence from the bureaus stating that they have removed an account or updated an account. When I look closer I see that they are still circumventing the rules. They are actually responding without even looking at the actual dispute because if I address 41 negative student loans account and the bureaus address one out of 41, they are still omitting the fact. As long as lenders are doing this my XXXX and I have no future because we can not pay in full student loan debt. I am trying to get better rate but these lenders have my family captured by using this process.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In order to prevent a late payment due to the busy time during the holidays, we decided to mail payments a week before the end of the year. Dating the payment check on the first of the due month ( as we normally do ), Provident Funding received our payment days before the check could be cashed. Instead of keeping it until the following business week, they decide to return the check to us, along with a polite note stating that they do not accept post-dated checks. The letter was dated XX/XX/XXXX, and the check was dated XX/XX/XXXX. We 're now facing a possible late charge because of their unreasonable policies and practices. We prefer to send physical checks because of the security risks of having bank information stored online, but we now see that this can not be avoided because the companies themselves are encouraging it, therefore making themselves targets of cyberattacks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: USAA has repeatedly sent correspondence and called my estranged husband regarding my credit card account. They 've informed him that the account is delinquent, that they are going to charge it off, the amount of the debt, etc. my husband has never been listed on my account with USAA. He 's n ot even listed as a reference. I have never received any correspondence at his personal   XXXX   XXXX     where  they continue to send mail to. They have stopped sending it to me and send it to his   XXXX   XXXX   addressed to me. I fell behind in payments and have tried to work with them to defer payments and work on a payment plan and they have denied me. So I stopped paying them so they would be more willing to work with me.   I have never given them permission to speak to my husband and he has never made a payment on the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with Harpeth Financial Services, LLC (TN).
Issue: Problem with additional add-on products or services

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 
(XXXX) 3XXXX XXXX 

THIS COMPANY IS NOT APPROVED BY THE BBB.., IT STARTED OF XXXX XXXX,2017 FOR $XXXX INTO MY DEBIT LAST FRIDAY.  THEY ARE WELL KNOWN FOR A 280% INTEREST.., I FILED A BBB ON SUNDAY.  THEY THINK THEY CAN HELP THEMSELVES WITH THE AMOUNT OF MONEY REMOVED EVERY MONTH.., THEY WILL NOT BE HELPING THEMSELVES WITH ABOVE. ON MONDAY OF THIS WEEK, I HAD TO CALL, LOAN# XXXX. CUSTOMER#XXXX.
I RECOMMEND LOOKING THEIR BBB.ORG WEBSITE.

THEY WANTED TITLE OF CAR AS COLLATERAL WHICH THEY DID NOT RECEIVE.

YESTERDAY, I RECEIVED A CALL THAT WERE OFFERING LOANS. ESSENTIALLY THIS A RIPOFF.

RESPECTFULLY, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (I do not know) with Progressive Financial Services, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Progressive Financial Services is calling a business office trying to collect a debt. We have told them numerous times to stop calling. We keep telling them that they are calling a business and the person they are trying to reach can not be reached at our business phone number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I notified XXXX Customer Services since 2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having emotional distress and deep XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security disability ), leaving here and there without home and looking to move forward with my financial situation.

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 04-02-2017 about Debt collection (Credit card) with Alliance Data Card Services (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Comenity Bank ( Bonton Credit Card ) has been calling both our house phone and my cell phone repeatedly, all day long, leaving no messages, and calling from a blocked number. I do n't usually answer unitentified numbers, but I could n't take it anymore! When I answered and followed the robo prompts to speak to a person, I was hung up on! I do owe a ballance that I intend to pay, but the calls will not stop! My husband works shift work and needs is being deprived of sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My mortgage was sold to Nationstar Mortgage, they have called me everyday multiple times even after I sent them a cease and desist notice. I have never missed a payment on this loan and have transferred auto pay to this bank, they will not stop calling me on my house or cell phone, they are harassing me for no reason, I need help to get them to stop!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GA).
Issue: Other transaction problem

Complaint: I have been with Coinbase for quite a while now. When XXXX was looming, Coinbase sent out an email saying they recommended their users protect their Bitcoin by putting it into their Vault. I did that on XX/XX/XXXX About a week later ( XX/XX/XXXX ) I logged back into my account and set up the transfer from my Vault back to my Bitcoin wallet. I have waited and waited and waited. I have contacted Coinbase repeatedly about this transfer. The note on my account says, " Waiting for approval. '' I have already approved the transfer so I looked into this further : There is another name on my account ( some d ... XXXX ) I NEVER put on the account. I have investigated on the internet and it seems Coinbase has had this complaint MANY times - the mysterious d ... XXXX who has to approve transfers and never does. I do n't know who this person is. I do n't have their email address to approve my own inter-account transfer and so my money is just somewhere out there inaccessible to me. I have contacted Coinbase repeatedly and they simply DO NOT RESPOND now. I have not been able to use my Bitcoin as the market made its moves. My money is being held hostage by the ( supposedly ) most reliable company to have/hold bitcoin with. I have missed out on many opportunities to turn a profit because my funds are inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call XXXX to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the XXXX time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: there is information on my file that either is unverified, inaccurate or I have no knowledge about and the credit bureaus are either not processing my disputes or they are not doing their job correctly. I have not received any documentation in the mail that either verifies or validates any of these that i am disputing and I just am not sure what to do right now. I asked for documentation, was denied it and all of these come back as verified but nothing is being verified at all! Who did they call? What was the date? Who did they speak with? What documentation was used? What was the method of verification? I already made a complaint with the Attorney General because this is absolutely absurd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/17/2018 about Debt collection (Other debt) with Aldous & Associates, PLLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I've been trying to pay this but that company is not willing to negotiate the amount. 

I

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: InXX/XX/XXXX several accounts was opened in my name without my knowledge, 1.  XXXX XXXX loan {$37000.00}, 2. XXXX XXXX loan {$8500.00}, 3. Wells Fargo Credit card {$2500.00}, 4. XXXX XXXX {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The first part of XX/XX/XXXX I sent a letter to DCI stating for them to validate a debt. I wanted a sign contract with my signature. I received a letter from them with a bill stating this debt is valid. This is not validation. I would like for them to remove this collection from all 3 credit reports because I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This Finance Company sold my mortgage to  XXXX   XXXX  and also is reporting public credit report EQUIFAX that I still owe a mortgage loan. My account ins blocked in their website

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: XX/XX/2018 I would like to file FORMAL COMPLAINT AND GRIEVANCE against XXXX XXXX and " XXXX '' at the Bank of America branch XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

He is unquestionably the RUDEST and most obvious arrogant, & evil person in the banking industry and should be terminated immediately!! 

( I usually bank in Florida. ) While visiting family in XXXX XXXX, I went to this branch to make a {$2000.00} cash deposit. I waited in line. He said they would only accept an ATM or drivers license. I didn't have those with me but had my passport. Then XXXX was taking a very long time with an drive thru customer. I was the next customer and asked XXXX to help me ( as he was waiting on customers ). He refused to help me, didn't allow XXXX to help me, and refused to accept my cash deposit. At minimum, he should be seriously reprimanded!! I request a REPLY and action to be taken. 


I have been a customer with Bank of America since it was XXXX XXXX. My family has huge amounts of money at BoA. We can easily move to one or more of the innumerable much more professional banks!! 


The behavior of XXXX XXXX ( and his subservient XXXX who refused time accept my deposit unless XXXX said it was Okay, was positively despicable and deplorable!!!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax experienced a large data breach and proceeded to withhold that information from its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: Credit decision / Underwriting

Complaint: We have been clients from HFC for over 20 years paying a outrageous interest rate of over 14 % and have been attempting to refinance and have been unable to do so XXXX XXXX occassion was told " why would we do that as your XXXX of our oldest account with high interest '' on multiple occassions have been charged for homeowners insurance which was aded to our principle. We had our insurance company fax the proof and still they continued to charge us every single month. In addition they report we have n't made payments when in actually we have been in our attempt to refinance as very good people who have been stuck in this horrific whirl wind of despair thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 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: Credit inquiries on your report that you don't recognize

Complaint: Ive sent three letters requesting the removing of XXXX XXXX XXXX inquiry. 

Ive told them this account was fraudulent. They removed the credit card as well as the fraud address and incorrect spelling of my name to open this account. 

Yet when I ask to remove the inquiry they claim I authorized it and will be on my account for two years. If they did their job and called XXXX XXXX XXXX they would know this account was reported as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Struggling to pay mortgage

Complaint: Ocwen Loan Servicing is planning on selling XXXX XXXX 's property at foreclosure sale on XXXX XXXX, 2017. XXXX XXXX 's loan modification review is presently in the appeal stage. It is a violation of Regulation X, 12 C.F.R. 1024.41 ( g ) for Ocwen to advance foreclosure while the appeal remains pending.

Company response to consumer: Closed with explanation