milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2017 about Debt collection (I do not know) with Professional Recovery Management (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was checking my credit report on   XXXX   credit agencies   XXXX     XXXX  and  XXXX  when I was alerted that a collection agency named Fox collection center of   XXXX   XXXX   XXXX     XXXX   TN   XXXX   XXXX   placed on my credit file that I owed a balance of $  XXXX .I would like a bill presented to me for this balance I do not owe this money I would like to know how when and to whom I owed this money it had been reported to the credit agencies  XXXX  2017.I also would like this balance to be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (AR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: ACCOUNT NUMBER XXXX MONTHLY AMOUNT {$380.00} DUE DATE XX/XX/XXXX WELCOME TO MYACCOUNT XXXX MAKE A PAYMENT RECURRING PAYMENTS ACCOUNT HISTORY MY MESSAGES MY DOCUMENTS FINANCIAL LITERACY AND YOU USER PREFERENCES LOG OUT MESSAGES INBOX SENTDELETED CREATE MESSAGE DELETE FROM SUBJECT DATE TOPIC XXXX No late payment, all payments were made, Total recovery was paid and cleared out. XX/XX/XXXX XXXX XXXX Credit Bureau Inquiry XXXX payment made XX/XX/XXXX XXXX XXXX Payment Inquiry Showing 1 to 2 of 2 entries ACCOUNT SUMMARY CONTRACT Contract DateXX/XX/XXXX Maturity DateXX/XX/XXXX APR ( % ) 22.62 Org. Amt. Financed {$14000.00} Monthly Payment {$380.00} Amount Remaining {$0.00} Payments Made13 Months Extended0 VEHICLE Model YearXXXX MakeXXXX   ModelXXXX Last 6 Digits of VINXXXX GET PAYOFF I have enclosed proof where this account was never late and has been paid in full. Its still being reported negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX I received yet another marketing email from Bank of America ( BofA ) for the BofA app. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I documented numerous attempts prior to XXXX/XXXX/XXXX to have BofA stop sending me marketing email, specifically marketing email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, In consideration of your request, we have manually refused the option for the mobile application on your behalf on our system of record and this took place on XX/XX/XXXX, Please allow up to 48 business hours for the changes to be fully effective. In addition, please be advised we have recorded your request again to no longer receive solicitations from Bank of America. After their response to me on XX/XX/XXXX, I received another marketing email from BofA about the BofA app. On XX/XX/XXXX, I filed another complaint with the Consumer Financial Protection Bureau, complaint # XXXX. To summarize, in this complaint, I pointed out that BofA did not honor their commitment to me as stated in their response to me on XX/XX/XXXX - the commitment to discontinue sending me email pertaining to the BofA app. On XX/XX/XXXX, BofA responded and said, While our enclosed previous response confirmed that the Do Not Email privacy choice was previously captured twice, a third Do Not Email privacy choice request was captured on XX/XX/XXXX. All privacy choices are honored within 30 days, with the exception of Do Not Mail requests which could take up to 12 weeks. In their previous responses to me, BofA considers the endless marketing of the BofA app as being part of my account ( and part of my account agreement with them ), and thus not marketing. However, as BofA well knows, the BofA app merely functions as an add on product and/or service. A product/service that BofA is well aware I dont need and dont want. Yet the BofA app continues to be aggressively marketed to my XXXX inbox. BofA has shown, time and again, they will continue to not honor my preferences, and not honor their commitment to me. This is exclusive to BofA. No other bank I do business with has ever done this or currently does this.

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 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX obtained my credit report without my prior authroization or consent. Since I already have a pre approved loan with XXXX, I informed them that I would use my approved loan instead of them financing. But XXXX XXXX pulled my credit report from EXPERIAN CREDIT BUREAU without my authorization. I also didnt provide any written or oral authorization for obtaining my credit report for auto loan financing. I also contacted XXXX and they told that they neither obtained my credit report nor applied for auto loan financing. Below are the unauthorized inquires. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 explanation
Consumer complaint received 09-05-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: I have a loan serviced by OCWEN on my Property at : XXXX  XXXX XXXX, XXXX XXXX, PA-XXXX. 

I could not keep up with the payments for various reasons, given in the hardship letter. The Servicer put up my property for Auction/Sale on XXXX of this month. 

I have already submitted a Short Sale Package ( ALL CASH Offer ) through my 3rd Party.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (LA).
Issue: Problems caused by my funds being low

Complaint: I received the complaint the response from the Regions Bank with complaint # XXXX whereas the bank did not answer the question about them charging overdraft the same day the overdraft occurred. Because of this situation, I have no alternative but to find another bank. I do n't want to be associated with Regions bank whereas they think only about themselves and not their custom. I am in the processing of changing bank because I was originally with XXXX was a better bank. Regions did not address my concerns. I want the company that oversees banks to see if Regions was violating the laws by putting through the overdraft the same day that the check came through. This was not the case. This is done if you have their overdraft protection. Please have the agency that oversees the bank look into this matter. The response that the bank submitted did not answer my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I went online to Experian.com XX/XX/XXXX to check my credit score and paid for the XXXX time fee. Little did I know that the company automatically signed me up to a 7-day trial of then started to charge me {$21.00} per month for 'credit monitoring services ' which I neither do n't need nor made fully aware of. 

I noticed the charges this month and called the company seeking full refund for both XX/XX/XXXX and XX/XX/XXXX. The customer service told me I can only get one month refund. However she did cancel the subscription and hopefully I will not get charged going forward. 

I am very disappointed by the way Experian conducts its business - it tricks consumers into signing up to expensive monthly services by teasing them with some low cost services without making full disclosure. Such services should be explicitly opt-in only and not opt-out type of services like the way Experian does it. 

It is hard to believe that after the passing of post-crisis consumer protection regulations such business practices still exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with RSI Enterprises, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: In a recent review of my credit report, it has some to my attention I have a derogatory debt on my credit report and I do not know what this is about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/17/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On XXXX/XXXX/2015 at approximately between XXXX and XXXX. I made an attempt to dispute negative items that are on my credit report to Experian Credit Reporting Agency. A representative name XXXX and his manager XXXX were very condescending and rude to me. I made several attempt to explain myself and it was clear that these XXXX individuals did not want to help. The day before I had initiated disputes online with the credit bureau and wanted submit evidence to support my claim. I informed them over and over that there 's duplicate negative items on my credit report and they continued to be more difficult and harass me verbally. I am willing to file as many formal complaints as needed to get this kind of disrespect to end when dealing with credit reporting agency. After being frustrated by XXXX, his supervisor XXXX continued to taunt me as if this was some game. I could clearly tell in her tone that she was n't happy to speak me after XXXX. I did inform them both that I would be filing a formal complaint to federal government about their behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Wrong amount charged or received

Complaint: Hello, The Coinbase application was used to purchase digital currency. The order was executed and my credit card was charged but in my digital wallet and the reflection of the account within the app does not show the digital currency available. I reached out to Coinbase and did not receive a response with regards to my inquiry. At that time I felt the need to get help from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have had hardships in 2016 in which caused me to fall behind on my mortgage with Nationstar. I have been trying for over a full year to get Nationstar agents to work with me on a reasonable payment plan. The most frustrating part of it all is the fact that Nationstar received {$25.00} XXXX dollars in incentive payments for loan modifications from the Department of Treasury, as part of programs such as Making Homes Affordable.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I bought a laptop from Conn 's in XXXX Texas in XXXX, with installments of {$47.00} a month. I went to their website to pay in XXXX and tendered the current payoff amount listed listed. About 6 months later A deluge of robo call and letters from Conn 's occurred, which continues to this day, saying that I owe {$60.00} + dollars further on the note. I call repeatedly to find out what this remaining balance is due to. I have sent the e-mail confirmation of my payment to the company as requested and no explaination is ever given. The harrassment continues. since I tendered the payoff amount for this note given by their website, I consider this purchase concluded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: we had a mortgage with XXXX. we had gotten behind because my husband was out of work for a year. I started a loan modification with XXXX and before it could be completed my loan was sold to BSI this XXXX. After speaking with them they advised me that I would have to reapply for a modification with them which we did. this was back in XXXX 2015. I sent BSI all the necessary paperwork just to receive XXXX letters from them claiming they could n't move forward with the modification until they received recent paystubs and bank statements. I sent new XXXX even though what they had was still current. since then 6 months has gone by without any word from them. I email them and get no reply. I recently contacted someone other than my CSR and heard from him claiming he would forward my email to my CSR. That was two weeks ago and still no word. In the meantime I was told no payments would be accepted on my mortagage until it was modified. I now owe over {$20000.00}. XXXX is my loan number with BSI.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (FHA mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Vanderbilt Mortgage Finance is collecting too much for escrow which in turn makes my required payment much higher than it should be. Given the amount of tax and insurance, the amount with two months cushion should be {$520.00} and they are charging me {$570.00}. They are also charging me a duplicate tax bill fee which I contacted our tax collector and they stated that this fee should not be passed on to the homeowner as they send the original bill to the lender. I am attaching my escrow information along with the email the tax collector sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Consumer Loan (Vehicle lease) with DriveTime (SC).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/2015 I purchased a vehicle from drivetime. I did not have a lot of credit of which there was an old XXXX bill in my credit report that was not paid due to a divorce. There was also hospital bills that I had been paying on. I did supply them with XXXX rental companies that I had rented from and never paid a late charge. At that time I needed a vehicle and I feel as if they took advantage of me. After time to reflect on the transaction the following is a huge concern. 
1- Car is only worth {$5000.00} in good condition and they sold it to me for {$9900.00}. That is in excess or 75 % increase. 
2- I did not understand that my payments would be bi-weekly. Most places you pay once per month. 
3- Drivetime added an additional {$3900.00} into my loan for other items -Drivetime powertrain protection plan @ {$2800.00} - XXXX XXXX @ {$590.00} - XXXX XXXX XXXX XXXX XXXX I was never taken through my contract line by line. I was told what the paper was, and a brief explanation, then told to sign. 
While they did explain to me what these were, I was never told they were optional. I felt as if I had to obtain to make the deal. 
The interest rate is 27.90 % which is way too high. At this rate I will have paid back {$25.00}, XXXX for a car that is only valued at $ XXXXAbove are the major items that I feel was not right. In addition I also see that due to my need of obtaining a car and being a first time buyer, they took advantage of me and charged me a ridiculous interest rate. If they would have called my previous rental companies, they would have seen a good track record. 
Because I did not have a good experience with this company and after a much thought it is more than evident I was taken advantage of. I will be returning this car to drivetime by the end of this week. I will have paid XXXX bi-weekly payments, on time, not due again until XXXX/XXXX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This company has been reporting the same information on my credit report for a while, I have had this information disputed on my credit report and it was removed. Every couple of years the information would appear on my credit report again. It is causing me a lot of problems. I am trying to purchase a house and this information keeps popping up. I have tried to contact the company but no response. I just want this problem handled.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit card () with FMA Alliance, Ltd. (TX).
Issue: Credit card protection / Debt protection

Complaint: This references a call I received today form FMA Alliance at XXXX. There was an approximate {$500.00} balance on a card for XXXX XXXX XXXX that they requested I pay. I explained to the representative, XXXX XXXX XXXX, that I became ill in 2012 XXXX and I contacted XXXX XXXX XXXX in writing regarding an added service to my card that would pay on when I was unable to work. XXXX XXXX XXXX claimed that I had no such service added to my account, but they lead me to believe that I did have such a service. I believe that I was mislead by XXXX XXXX XXXX as it relates to my credit card and the account should be set as paid, and closed as a result of such misleading. FMA XXXX need to remove an collection statuses from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My brother 's activities are showing up in my TransUnion credit report and possibly my activities are showing up in my brother 's credit report. Called to resolve the issue but was not successful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Innovis (FL).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: The cbc Innovis have refused to provide all personal reporting that has been done on me. I have contacted the beaua a total of 7 times. Each time I call they say that i must call back even within business hours. It unfair to hold information that bring me to a stand still in life. No fairness to all.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receivables Performance Management placed a negative report to all three collection bureaus for a past due XXXX XXXX XXXX account that does n't even belong to me. They never tried to contact me in advance through mail or telephone. I have contacted XXXX XXXX XXXX and they confirmed that I do not owe this money and never had any infractions with them in the past. In fact, I am still a customer in good standing with them under a completely different account number. I called this XXXX party agency and they could n't give me straight answers. I mistakenly gave them my birthday for confirmation but when asked for my address or last XXXX of social security, I asked what they had on file and it was incorrect. This has scam written all over it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a notice from XXXX XXXX XXXX XXXX XXXX today ( XX/XX/XXXX ) stating if I did n't resolve debt that they are authorized with in 30 days to file a lawsuit to collect the balance owing on the account. I have attempted to notify the hold of the debt. XXXX XXXX XXXX when they notified me of debt back in XXXX that this was fraud. I asked them to send me a signed copy of agreement and documentation they had. I never heard back from them. Now I am receiving a letter and a promissory agreement that shows no signature, just an electronic signature. I have also sent documentation to the credit reporting agencies showing this is fraud with no response on behalf of XXXX XXXX. They are outside of the guidelines of sending me verification of the debt back from XXXX XXXX. I request that this be investigated. They are in violation of the FDCPA by attempting to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: I have been a Coinbase customer for approximately 6 months. No issues until I purchased a new phone and my authentication key was lost. I use a 2 step process for security purposes. At any rate, their process to have that XXXX requires a user to upload a picture of a valid ID XXXX both front and back ) before the process is started. My ID has my entire middle name XXXX XXXX XXXX instead of just my middle initial, which is how I established my XXXX account. 

At any rate, I have patiently contacted them on numerous occasions via email. Responses are simply cut and paste. At one point I was told that they were investigating the issue but have n't heard back. I attempted to call their customer service line numerous times and eventually was placed on hold by an automated service while waiting for a specialist. I literally sat for 1.8 hours on hold. 

I have a lot of money in my account and simply want access. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation