milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-07-2017 about Debt collection (Auto debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have reached out to the company with certified letters requesting proof of amounts owed. Prove the amount reporting is correct and the company will not send me anything back.

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 06/26/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XXXX XXXX XXXX XXXX ... they call my work number almost every day ... this has to stop

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I bought a home in XX/XX/XXXX with my spouse. In XX/XX/XXXX my wife XXXX and I applied for assistance from HUD. I had a forbearance agreement with and completed it. In XX/XX/XXXX, Ocwen purchased the loan. At that time, my account was current which is stated by Ocwen in one of my emails. I 'm trying to arrange to pay off my loan and Ocwen says I have a balloon payment of approximately {$12000.00}. I 'm trying to find out how did that happen and where did it come from. Ocwen has yet to tell me how it was incurred. As part of my forbearance agreement with HUD, I had to pay additional monies to get current so I have no idea where it came from. Initially, Ocwen told me that they only purchased the loan and that I would need to speak with HUD to determine where the {$12000.00} came from. Ocwen told me initially that they received the loan from HUD and had no documents on hand. I called the HUD office, located in Oklahoma and they told me they did not sell the loan to Ocwen and did not know who sold it. In fact, they had not owned it since XX/XX/XXXX. So I told Ocwen what HUD stated and asked them to find out who did they purchase the loan from. They responded by saying that they could not verify who they bought the loan from. I 've asked them several questions in regards to my concerns and they never answer my specific question. For example, I ask them to assume that I did not have this balloon payment due, would my principle payoff balance be less than {$5000.00}? According to my amortization schedule, it would be as of XXXX XXXX. They never answered my question. Ocwen has yet to show me how an additional {$12000.00} was incurred. The first email I received stated that there would be " no payments accepted after XXXX XXXX, XXXX ''. Then they changed and stated that as part of some Fresh Start Program, I was granted another 10 years to pay the remaining balance. In a later email they sent me another amortization schedule that ran another 2 years which ends in XXXX XXXX. Why would I want to do that? My last email that I sent, I told them if they could not provide any information of how or when this balloon payment was generated they should remove from my note. I HAVE NOT HEARD BACK FROM OCWEN ON THIS LATEST EMAIL!

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have mailed out time after time the right information of employment with Company name address phone number and still on my credit file there is wrong information of places I work for that are wrong and not the company I work for. 

Time after time the credit Bureaus create hospitals as staffing company 's as the names are not right after I have giving the right information. 

I have enclosed another copy of current and past employers with right name spell and address I want proof of the company 's on my file as right or deleted I have been sending the right info and it never gets updated as right.

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 09/15/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Credit decision / Underwriting

Complaint: Wells Fargo has foreclosed on my mortgage loan and is trying to take possession of my home without having given me the proper opportunity to modify the loan ; nor did they submit subsequent notices as required by law ; and they used Atty. XXXX XXXX an employee and attorney for XXXX XXXX XXXX claiming to be a XXXX representative to fraudulently assign the property ( ROBO signature ). 
Though I have taken this complaint to Appeals Court, the issue was never answered in response to my original complaint : That nothing in Wells response shows they qualified or considered me for XXXX ; Wells violated the consent agreement made with the Dept. of Justice and Illinois XXXX, XXXX XXXX 's office which is supposed to require them to attempt to keep me in my property. 
Wells mislead Consumer Finanace Protection Bureau in their response to my complaint ( CFPB Case # XXXX submitted XXXX/XXXX/16 ), and Wells did not answer the fact that no XXXX modification had been attempted, and Wells representatives did mislead the Court when they fraudulently assigned the loan. They need to produce the assignment. 
They do not comply to the consent order made by the Justice Department. Wells simply says in their CFPB response to my complaint listed above : " we 've determined your account was handled appropriately and no adjustments are needed. '' Will the CFPB make them answer the issues of my complaint, or simply take Wells Fargo 's word for it accepting their side of the story and my complaint just goes away? I am in jeopardy of being displaced with my children and another family, living with the threat of the XXXX coming.

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 03-02-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: Fed up with XXXX XXXX charging excess overdraft fees I open up a checking account at tdbank. In one month tdbank charged me {$250.00} in overdraft fees and XXXX of them occurred when I was transferring money from XXXX account to another account over the XXXX XXXX weekend. TD Bank twice charged me overdraft fees on the same day I got a direct deposit I spoke to the bank about it and while they promised to refund XXXX of the overdraft fees they still have n't done it. I am really fed up by being ripped off by Bank XXXX XXXX XXXX XXXX and now TD Bank. I am guessing I 'm not the only person who 's really angry about the exceessive fees being charged. I did not receive a bail out for extravagant behavior. I understand about the practice of reordering withdrawals so that banks can charge excessive overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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: On  2 Separ ate occasions I disputed unauthorized inquiries that were showing on my credit report, and on both occasions Equifax " so called ' investigated the disputes and found them to be accurate. My most recent dispute ( #  XXXX  ) of the following inquiries  ( Factual Data-   XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX   XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,   XXXX   XXXX  -1/15/17, an  XXXX   XXXX   XXXX    XXXX / XXXX / XXXX  ) was submitted on  XXXX / XXXX / XXXX , Equifax completed the investigatio n 5 mins after I  submitted the dispute. There is no way possible that Equifax could have done a proper investigation into these disputes  in 5  mins. The investigation results states that inquiries are a factual record of file access but I have stated several times that I did not authorize these inquiries so they are not factual. Per the FCRA a thorough investigation must be done on all consumer disputes. The fact that Equifax closed my disp ute within 5 minutes show s that they did not investigate at all and are in direct violation of the FCRA. These inquiries must be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is public record on my credit report # XXXX, and it is showing incorrect information and I would like for it to be deleted off my credit report. It is currently only on my Equifax credit report and that 's it. The date filled is listed as XX/XX/XXXX reference # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Wrong Address also XXXX report had wrong year of birth also had myself listed as XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MN).
Issue: Managing the loan or lease

Complaint: I have XXXX special term loans with Wells Fargo Financial. XXXX of these loans is set to expire on XX/XX/XXXX. I have been making my payments but only a fraction of my monthly payment is being applied to the special loan balance that will expire the soonest which is contradictory to the information on their website that states that payments are applied to balances with the highest APR and then to balances with special terms that will expire soonest. According to the phone agent that I spoke to today only {$14.00} of the {$190.00} monthly is applied to the balance that is set to expire on XX/XX/XXXX and the majority of the dollars of my monthly payment is applied that will expire in XX/XX/XXXX. I was told that I would have to pay {$550.00} to pay off the balance of {$360.00} to avoid being charged the outstanding interest set to hit in XX/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 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My credit report shows collection account from Midwest Recovery Systems opened on XXXX XXXX, 2017 for XXXX, XXXX, and XXXX. I have not had any recent payday loans in the past 5 years or more and do not recall a payday loan with this company. I have not received any type of debt validation notification or collection notices from XXXX XXXX XXXX prior to this debt reporting. I 've done some research about this company and from what I 've read, they are not licensed to provide or collect payday loans in the United States. It 's a tribal loan XXXX XXXX XXXX company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I was trying to log into Coinbase but there is always a box that says that the 2-step verification code is incorrect. I am using the Authy app, which always used to work. But for some reason the Authy code is not working. I tried the solutions from Coinbase but that has not gotten me farther. I emailed Coinsbase 2 weeks ago but they still havent replied.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (NV).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Went to XXXX Dealership inquire on car to test drive.  However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I would n't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from. I did n't authorize any of those lenders to pull my credit. Not sure how they got my information. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: these people sued me XXXX for a debt they say i owed XXXX and i lived in XXXX and did not receive service notice..they continue to take money from my account these people are crooks and need to be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (I do not know) with First Data Corporation (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter which was a notice of unpaid electronic fund transfer. The letter did not state who this debt was owed to. They indicated the amount due was {$270.00} with a late check fee of XXXX bringing the total to XXXX This company has paid {$3.00} XXXX dollars in the past for fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Credit card) with Solomon and Solomon, P.C. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There was a judgement against me. My wages have been garnished. The debt is now paid plus legal fees have also been paid. My wages are still being garnished -- XXXX full paychecks past what I owe. I called Solomon & Solomon, PC. They said they would stop the garnishment, but they have not. I do not know what course of action to take to make this stop and get my overpayment back. I have called the sheriff, they said they can not help. I called the court clerk, they told me they can not give legal advice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: The Citi ( MasterCard ) Double Cash card offers a price rewind program, where your purchase price is tracked for 60 days, & if a lower price is found within that 60 days, they refund you the difference between what you paid & the lowest price that was found ( The program excludes taxes/fees from the total price calculation, & only covers the purchase price of the item itself ). 

On XXXX/XXXX/XXXX, I purchased a television from a local retailer at a purchase price of {$1100.00} ( excluding taxes/fees, see attachment ). A lower price of {$990.00} was found, and the search for a lower price ended on XXXX/XXXX/XXXX. I filed a claim for the refund of the difference ( {$180.00} ) on XXXX/XXXX/XXXX, to which my refund claim was denied later the same month. The denial reason was justified as " the item you purchased does not match the tracked item ''. 

The website does not specify that a specific model number is needed as part of the refund process, and the item I purchased matches the description of the covered item ( See Attachment ). As shown, the selected item is a " Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV '', & the item that I purchased is a Samsung 55 '' Class Curved 4K Ultra HD LED Smart TV, with no specified model number or type.

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 11-11-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. Also attempted to contact XXXX XXXX XXXX per the address listed on my credit report and the letter got returned. I sent it to the bureaus and they ignored it. Please help if you can thank you. Also got a document from equifax that said it was not on my credi treport then i pulled on XXXX and its there.???

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2015 about Debt collection (Credit card) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted by phone from XXXX right before or around the 7 year date of past due payment to Citizens Bank VISA. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment PT for 6mo or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX XXXX did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to XXXX on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let XXXX know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a call from XXXX from XXXX XXXX calling from XXXX, and XXXX multiple times. I had talked with him on XX/XX/XXXX at XXXX which i told him i would try to figure out things in about a week which he said was not good enough so I told him I would call him back on XX/XX/XXXX but i forgot to call. The next day someone from work came to me with a phone and it was XXXX telling me that I had to call him and he was being very stern about it. I told him he CAN NOT be calling me at work and i ended the call. Today XX/XX/XXXX I get informed that he had called me at work again. I also get calls during the day when I am not at home 4 times since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (FHA mortgage) with Home Point Financial Corporation (MD).
Issue: Settlement process and costs

Complaint: Hello I brought a home XXXX 2014 a XXXX time buyer XXXX XXXX woman and I was sold a house a complete lemon. Structural damage to my home that is so costly I will be unable to live in the home. I spent {$110000.00} for garbage. This was FHA loan but I really think the realtor was in on the scam. This house is not any good the seller moved to XXXX he hid so much with this house its unbelievable but the bugling wall with horizontal crack was right in the inspector face. I want justice in some way

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Vehicle loan or lease (Loan) with Andover Auto Sales, Inc. D.B.A. Broadway Auto Mall (KY).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: On XXXX XXXX, 2017 the repo man tried to get my car. My payments are current. My contracted payment is {$170.00} every two weeks. I pay {$200.00} every two weeks to pay a little extra. Broadway Auto Mall in XXXX, KY told me if I want to keep my car I was going to have to start paying {$250.00} every two weeks because I 'm XXXX behind but no one can explain this. I ca n't afford {$250.00} every two weeks. I bought my car with a payment reasonable for me. I do n't know what to do and I need my car for my job. I was sick the weekend my payment was due. It was just due on XXXX XXXX, 2017! They 're trying to repossess my car for a couple days late.

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