milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: people are reporting my balance owed to XXXX state child support at almost 40k, when in fact i am almost paid in full and the remaining balance is only about 1000 to be paid off within the next 60 days, i want this updated now to show the accurate information .i have contacted all credit reporting agencies and all of my credit cards and i still see inaccurate information in my report please update this record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Credit card) with Nations Recovery Center (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX I filed a XXXX complaint against Nations Recovery ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice in XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( in XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint in XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point Nations Recovery has caused so many problems with my XXXX and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (CA).
Issue: Account opening, closing, or management

Complaint: I had Synchrony bank credit card/XXXX balance of {$60.00}. I thought I closed this account and forgot this remaining balance. When I tried to pay a few days later, it was charged {$29.00} late fee. I called a few times ( up to 5 times ) and explained to the representative, the staff in XXXX gave me the attitude " I got you to pay or .... '' and would not be willing of reasoning. It was almost XXXX % penalty for a few days late. This Synchrony bank/XXXX had more than XXXX complaints since they are predatory in " every way '' to " out get '' customers. Then I tried to resolve with them, they just would not barge. It is now accumulated to more than {$290.00} out of original balance of {$60.00}. XXXX predatory actions are notorious. They caused me more than numerous long time calls for resolution which reached no where. I would NEVER EVER to deal with this Synchrony Bank. I believe it is Synchrony business strategy to break their credit card business into ALL DIFFERENT INDUSTRIES, so the complaints due to their employee trained " predatory practices '' would be diversified and look smaller than it actually is. I am demanding Synchrony / XXXX write off this {$60.00} balance to XXXX for all the resource/time they caused me.

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 05/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: I am filing this complaint because First Citizens Bank refuses to take my increased of income into consideration. They have refused to use my current income to purposely deny my loan modification. My First Citizens Bank assigned specialist XXXX told me that they were not able to use my current income because they solemnly based approval on tax returns. This is outrageous because clearly my XXXX has been increasing drastically with each passing year. It is absurd that they based my income on last year taxes as my business is blooming. If you look at my XX/XX/XXXX tax returns I made {$11000.00} and last year I made {$27000.00} Clearly, my XXXX is growing and First Citizens Bank refuses to acknowledge or considered my increased income for this year. XXXX from First Citizens Bank stated that despite my business growing they were not considering my current income. I warn him I would file a complaint with my attorney general and cfbp but he clucked and said you nor the attorney general would do anything to First Citizens Bank. Furthermore, he said it would be a waste of time on my part since no one would address my complaint unless I provided my XX/XX/XXXX taxes showing my increased of income. At that point I was done with him. I am requesting a new specialist be assigned to my case that wants to work with me and I truly hope this complaint helps expose First Citizens Bank fraudulent review process. My new income has to be considered because based on my tax returns my XXXX is and continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

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 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XXXX or XX/XX/XXXX. The credit reports from XXXX and Equifax indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, Equifax has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: my loan is being managed by XXXX. 
I have been trying to get my repayment plan corrected since XX/XX/XXXX. I have been provided a series of misinformation and horrible customer service. There have been horrific errors to my account including at one point changing my name to my spouses. The company through your help agreed to allow me to make payments for the missed months to count toward my PSLF plan. They required me to recertify I work for XXXX XXXX months early to do so. I have 2 dates listed on my file a computation date XX/XX/XXXX and a station eod date XX/XX/XXXX. They are denied my PSLF application bc the prior application had the eod date and the current one had the computation date. Now none of my payments are being counted towards my PSLF and the back payments I applied ( when I was originally in forebearance during that time ) have counted toward my PSLF either. This has been a total nightmare with me in tears every time I speak with them. The last rep was just heartless and totally empathic especially when it was this company that had disastrously messed up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Coinbase, Inc. (IN).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Good evening, I recently started trading crypto currency through Coinbase. I bought and sold a few shares and recently decided to cash out my account due to Coinbase issues Id heard about. 

They put these transactions through as debits vs. credits, over drafting the account tied to my debit card. Amounts of {$450.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. 

Ive tried emailing/calling/XXXX and anything else I can think of. This seems to be a very common problem if you dig deeper into this company.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have an inquire on my report I did not authorize   XXXX  / XXXX  I. nquiry   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX is reporting 17 hard inquiries on my credit report, 13 of which were for the purpose of purchasing 2 automobiles. Each purchase was made in XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX I went to one dealership for each of these 2 purchases where they submitted our credit report to several different lenders in order to get the best rate. As I understand it, each of these should count as one inquiry only since the inquiries were all made from the same dealerships within 30 days. I spoke with XXXX today ( XX/XX/XXXX ), and they refused to help me.

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 11-07-2016 about Debt collection (I do not know) with Midwest Recovery Systems (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a new account notification from a credit monitoring service I use on XX/XX/2016 and upon looking into this, Midwest Recovery Solutions has an open collections account for me for what I 'm assuming is a payday loan through XXXX for {$800.00}. There are several problems with this : I have never taken out a payday loan, have never heard of XXXX nor received any correspondence whatsoever from that " company '' in regards to the account in question, and have never heard of Midwest Recovery Solutions nor received any correspondence by certified mail, phone, or email in regards to the account in question. I attempted to reach Midwest Recovery Solutions via phone, but was unable to. This account needs to be deleted immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OK).
Issue: Managing the loan or lease

Complaint: I have a loan for my car through Ally. I was current on my payments through XXXX and even have copies of my statements indicating a balance of zero ( {$0.00} ). When I went to make my XXXX payment, Ally claimed I had a {$260.00} late charge. However, no payments were late and all paper/electronic documentation indicates that I had a {$0.00} balance in XXXX with no late fees or penalties. I have called Ally several times and tried to speak with a supervisor or manager. They can not explain where this charge came from, but refuse to remove it. After my third call to Ally with no resolution, I am filing a complaint with the CFPB in hopes of getting this issue resolved. I have attached pictures of my XXXX and XXXX statements and of my transaction history. I have had several issues in the past with Ally taking money from my bank account without authorization and had to go so far as deleting my banking information and sending in money orders to make payments.

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 10/24/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I first found out this debt was sent to collections via phone only and never received a notice a call at all even up to today. I spoke with XXXX XXXX regarding the account in the month of XXXX. I updated my address as well since it was inaccurate. I informed the company that I am disputing the debt with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and would need to get back with them once resolved. The representative threatened that he will report this on my credit and will impact anything i get in the future if a payment was not made today. I was forced to pay account after continuous calls and threats from the company and never hearing back from XXXX XXXX XXXX which a complaint was filed against them with CFPB as well. More importantly, the representative assured me that if I made a payment prior to XXXX therefore the account will not be reported to the credit bureau. I made payments on XXXX & XXXX which totaled out to be {$320.00} and satisfied the entire balance. Recently, I looked at my credit report and see that the account was on my credit. The company lied and harassed me until I made a payment and even smirked when I told him that I am disputing the account with XXXX XXXX XXXX. Also, I sent an email requesting the company cancel any collection attempts until account is resolved with XXXX XXXX XXXX on XXXX/XXXX/17. I never received a response from them at all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (MN).
Issue: Deposits and withdrawals

Complaint: XXXX and Wells Fargo are debiting money from checking account prior to the check being cashed by the recipient. Here is what is happening : 1. check is scheduled for payment via a Wells Fargo account using XXXX 2. check does not arrive at recipient for various reasons. 
3. Wells Fargo removes $ from checking account on the day the payment is scheduled in XXXX, even thought the check was not cashed. 
4. Recipient calls me to find out where their payment is. I see that the $ have been removed from my account so I am thinking their has been fraud. 
5. I call Wells Fargo to understand what 's happening. Nearly 2 hours later and after talking with several people I find out that the payment processor automatically removes money from my account on the date payment was scheduled regardless of whether the check was cashed. 
6. I believe this should be considered fraudulent activity. The payment processor was not authorized to withdraw $ from my account prior to when the recipient of the check deposited the funds to their account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: My name is XXXX XXXX XXXX XXXX. am a XXXX and also XXXX at the XXXX for the Department of Defense. I am retired XXXX from the XXXX. Six years ago we asked Bank of America and XXXX XXXX to help us secure a loan so that we could finance XXXX XXXX to help with the Affordable Care Act. Both banks denied us a loan several times over the past six years. We asked for a loan from these XXXX banks because we have had accounts with them for many years and the B of A held the mortgage for our home. Now the Bank of America without our knowledge sold the mortgage to XXXX. In 2014 Bank of America lost the legal case they had with Department Justice, so in return they offered us a re modification on our loan. They broke the law again by hiding our monthly payments so that we could be considered late. We have paid our mortgages every month. They put this misinformation on our credit report. Secondly they put a lien on our house, which is a subordinate loan. We would hope that you would tell our story when talking about breaking up the Banks. 

XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 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: This complaint relates to the Equifax data breach. It has been reported that our very private financial information was not encrypted. Is this correct? Why ca n't we reach someone at Equifax via phone or email? Am told by automated system they can not process request to freeze credit. Same response from XXXX, and XXXX Have called all agencies twice, and emailed Equifax without a response. Why are n't we getting direction from The Consumer Financial Protection Agency. CFPB has been silent. We need to know what to do NOW! Why is n't there a crisis protocol when over 140 million are affected? Should remove " protection '' from your name.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was scheduled to attend school at XXXX XXXX University XXXX XXXX XXXX in XXXX, Georgia. I was enrolled on XXXX XXXX 2004. I did not go to class at this school and I was withdrawn XXXX XXXX, XXXX. I originally signed a signature loan with XXXX XXXX ( now Navient ). My loan funds were not used and Navient is now showing that I owe them over 30k in student loans. I called both parties XXXX and Navient to explain that in this time frame I did not attend school. I keep getting the run around, Navient is blaming XXXX and XXXX is blaming navient. Navient has been calling harassing me about the debit, I did not realize until recently what school the debt was for. Navient took this debt and collected fees based on a 14 % interest rate and started asking for a XXXX dollar payment. I did not use this loan at all I did not attend the school. I am having to seek legal advice to possible sue Navient because I think they purposely did this to collect fund on their high interest rate. XXXX stated they sent the money back to navient but navient is denying that.

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with QUICKEN LOANS, INC. (CA).
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint: Around XX/XX/2017, a company quicken loans called me to offer a cash out service. 
I spoke with their representative and during his conversation he ran my credit report without my permission. I was shocked when he told me what is my credit report. 
I asked him if he ran my credit report and he said yes. I told him that I did not authorized him to do it. I explained him that he supposed to ask my permission first and then if I authorize, then I would allow him. he started mumbling and excusing the reasons he ran the report. I asked for a supervisor and spoke with XXXX. I explained him that it should not be that way and I would like to ask to remove my credit report. he checked the voice conversation and promised to correct that. he did not get back to me on a solution so far. at this point, I spoke with their corporate office as well and they were not willing to remove the credit report they ran without my permission. The rep never asked me if he is allowed to run my credit report and the managers stated that the rep ran the credit report while he stated that he is going to do that. I disagree on it and I still need them to cancel the report they ran on me. please your assistance on this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (I do not know) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am a XXXX XXXX old unemployed and XXXX individual who is trying to start up a new business. It would be a consulting business run by my sons and using my years of experience and lessons learned to advise organizations on how to quickly solve ongoing problems while making their employees happy. 

I started to organize the new business, never having owned my own business before, by using on-line companies who help new businesses get started. I started by using XXXX to create an LLC. They recommended using XXXX to do the accounting work for my new business. Then It was recommended that I use Bank of America 's Small Business Banking Services to help me start using XXXX XXXX ( which was new to me ) and Checking. So I contacted them explaining I had never had my own business before and was n't sure what to do. 

Bank of America had me talk to a number of people in different departments to get started, but it was a confusing and complicated process, and I was never sure what was going on, and told them so. Then, having conducted no business at all with them or anyone connected to them, Bank of America sent me a notice that I had overdrawn my account and owed them money. I tried calling to clear up this error on their part but kept getting transferred to other people. Now I have a bill in the mail saying I still owe them for overdrawing my account. I am attaching their latest warning with this application for help. 

Thank you very much. 

XXXX 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 monetary relief