milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with EQUIFAX, INC. (CA).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Data breach by malicious parties and personal information stolen for myself and millions more was announced on XXXX. Breach occurred in the XXXX - XXXX time-frame and was discovered XXXX XXXX. Interesting that it took a month to come clean about this. 

Information that came out says this was a simple hack that could have been prevented by adequate security. Since that was not in place and instead an easily hacked system that I can only assume was used to shave a few dollars off the IT budget. 

Since my private information is now up on the dark web or in a torrent I will always need to use credit monitoring and other measures until the day I die. This will affect my ability to pay my rent or own a home, purchase a car, obtain legitimate credit, my medical expenses and of course other consequences I have now way of predicting. 

We have put trust in financial corporations to keep our private information safe. Shirking your responsibilities to the consumer in the most catastrophic way possible is not the way to do that. 

The pursuit of profit may be all consuming but remember you need consumers to use your goods and services, treating them with this level of disdain for their financial security is unacceptable. There are people who 's lives will be destroyed by this. Actual flesh and blood people who are doing everything they can to survive in this rigged game. Meanwhile 'you ' will likely get a bail out.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NH).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: XX/XX/2017 I tried to check my balance via mobile app. I know my user name and password but on the first attempt got an error message telling me the maximum number of attempts have been made call XXXX. I call 25 minute wait time. I go do other thing call again, wait the twenty minutes and get a recording telling me I " ca n't be verified online, on the phone or in person ''. I drive to a branch and the teller inside says she has heard from many people today about this and the wait time is long. I ask if they have been hacked. No answer to that. I explain I just want to know what my balance is, want to be able to access my account online and she verifies me with my state drivers license, recent deposit and i suppose the fact i have my account number memorized, and she writes down the balance for me. I ask if I go to the atm, pointing to the drive thru behind her, will it eat my card, or when I go to use it will it be declined at merchants today, she says no. So I am all set, except the next day when I try to log in, I get the same error message. I call, long hold times. I wait for a person to pivot up. I have never been so rudely treated by not one but two employees. The problem is yours, TD, verified after I went out of my way Sun to go to a branch and confirmed there that your system was having problems. XXXX in small business in Maine  office, as a manager who was to help after the offensive XXXX, did nothing to help, but piled on more abuse. I can not tell you the answer to a specific security question you are asking, but I can tell you many more things and did. Like the monthly check deposited on the XX/XX/XXXX every month each the amount. Or how frequently my employer deposits. Seriously, you have only one security question of your making not mine that I ca n't answer. I do not recall who I last made an ACH payment from this account because I do many in a month and have more then one bank I do this with! So here it is now Wed and I so have the same error message on a single correct attempt to view my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: When my loan was originated it included an escrow for XXXX items : 1. property taxes ; 2. Homeowner's/Hazard Insurance ; and 3. a private water and sewer fee. The loan has been assigned to Suntrust Mortgage and they claim that they are not setup to pay the private water and sewer fee. Customer Service hands me off to the tax department, the tax department says I need to talk to the customer service department. I have sent them a copy of the bill, they have a copy of the HUD-1, they can not give me a time frame for their response. The bill is due by XXXX/XXXX/2016. They refuse to give me a time frame to have this reviewed and resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2017 about Debt collection (Credit card debt) with Forster & Garbus LLP (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: as of  XX/XX/XXXX  I 've received a letter from Forster & Garbus LLP for a payment of {$4800.00}. On  XX/XX/XXXX  we have a settlement stipulation of {$3500.00}. The stipulation is that I pay {$50.00} every on the  XXXX  monthly. I have ten days after the  XXXX  to full fill my agreement. I have paid all my payments on time. A payment of money order on XX/XX/XXXX was received on  XX/XX/XXXX . Which is still within my time frame. Now  Forster & Gurbus is  demanding I paid the full amount of my debt in the amount of {$4800.00}. I have called to resolve the problems but they refused to work with me and demanded I pay the full amount. Closed is a copy of the stipulation and receipts of money order. My other payments are paid online and I also have receipts upon request. This is an unjust attempt to try to collect a debt from a consumer whom is trying to abide by the stipulation.  Forster & Gurbus t ook the liberty to say that they did n't receive the check by the  XXXX  and attempt to collect the full amount. This is an unfair practice and should be noted.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Payday loan, title loan, or personal loan (Installment loan) with U.S. BANCORP (MN).
Issue: Getting the loan

Complaint: I am a XXXX-year-old retired father that was helping my son to get a {$23000.00} debt consolidation loan from US Bank ( co-signing loan ). I was told by bank officer XXXX the loan was declined due to a bankruptcy filing I had done that occurred in XX/XX/XXXX. Bank officer XXXX stated this was in note from loan underwriting officer to her. I went to XXXX XXXX and had no problem having loan approved and co-signing loan for my son. In XX/XX/XXXX I had listed credit card from bank that US Bank bought several years later in bankruptcy filing for about {$2000.00}. I kept my checking and savings accounts with this bank and later with US Bank after filing. In XX/XX/XXXX I asked for {$5000.00} line of credit that would be attached to checking account to avoid overdraft charges. I was manager for national company at the time and did a lot of traveling. Bank Manager stated this request was denied at that time for same reason, XX/XX/XXXX bankruptcy filing. I challenged the decision in a letter to the bank at that time. Letter from US Bank dated XX/XX/XXXX stated they denied loan due to applicant has poor or no previous experience with the credit grantor. Letter also stated my credit score was XXXX. I did have checking account for many years with US Bank till XX/XX/XXXX experience with loan denial.

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 08-01-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase " disabled '' my account on  XX/XX/XXXX . I was given no reason why. I was asked to provide proof of my identiy and address. I immediately uploaded a picture of my NYS issued ID and also uploaded photos of my credit card statement, health ins info to further prove my identity and address. I have received no explanation as to why my account is disabled.
Coinbase had no issue allowing me to buy   XXXX   worth of cryptocurrency but now I have no access to MY money.
My coinbase account is linked to my bank account and my  XXXX  account ( which has links to ALL of my banking information ). I am now unable to hold any money in any of my banks because I have no idea if someone else has control of my coinbase account.
It has been almost 2 weeks with ZERO answers/resolution. The only communication from coinbase has been letting me know that my case is being escalated and IF my issue is resolved they will email me.??? Coinbase will email IF my account is cleared. IF? Coinbase is holding  XXXX  worth of purchased ethereum and litecoins. How can they tell me they will email IF they " clear account. '' I fear they have locked my account and stolen my money and banking information.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Although Wells Fargo is not attempting to collect the debt at this time, they are punishing me through incorrect credit bureau reporting, in violation of the Fair Credit Reporting Act. Wells Fargo continues to report vastly different information to each of the credit reporting agencies about a line-of-credit loan which was paid in full through Chapter XXXX, including the reporting of past-due amounts even during the final year of the Chapter XXXX repayment period! 

Although their reporting to XXXX is the most damaging of the XXXX, there are errors on all of the credit bureaus ' files. 

After disputing multiple times with the credit bureaus, only to have no updates done, I have sent Wells Fargo a letter asking them to please correct the inconsistencies and provide all three credit bureaus with the same information update, but they have not responded to my written complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/28/2017 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (WI).
Issue: Managing the loan or lease

Complaint: I have a vehicle loan thru XXXX. Being laid off from job, I was told that they do not refinance and i would have to find a finance company that will refinance. but due to the high interest, i owe {$13000.00} over the blue book value of the car and still not employed no one will finance the car. XXXX were nice to give me a deferment in XXXX till XXXX. However, since XXXX, I have called, left several messages and talk to representatives to be told I would be called back regarding the surrendering my vehicle process. I dont know what to do, can you help?

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 08-01-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (CT).
Issue: Loan modification,collection,foreclosure

Complaint: Grenn TRee LLC Has been charging me for home owners insurance since XXXX of 2015 with uot my knowladge or concent. They also made a payment to my own homeowners policy XXXX with out my knowladge or consent. They then shorted my escrow account for the month of XXXX and are now asking me to pay for it. For some unknown reason for the month of XXXX 2015 my mortgage payment went from {$1400.00} to only {$840.00}. I called them XXXX and asked why and no one could give me a clear answer only sumizing it was for the insurance charnges. Now they are asking me to pay for a {$530.00} escrow shortage? Can you please investigate these discrepencies? Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I received all of my loans from Navient while it was XXXX XXXX. I also have all of my federal loans serviced under it. I graduated in XXXX and immediately after graduation could not afford the loans. I used up all of my forbearance and did this because the only option they gave me was to force my cosigner to pay. There was no income based repayment. This cost me more money - I did this for XXXX years. I made payments for a year, and then because I could not afford such a high loan rate with just my XXXX credentials - I went back to graduate school for 3 years. My loans were deferred this whole time. 

Unfortunately - graduate school just added more interest to my loans. I am nowXXXX years old and owe $ XXXX to Navient. I also owe another {$45000.00} to XXXX ( not on my Navient account ). This means I have over {$220000.00} in debt. I only make {$60000.00} a year - I will never be able to pay this back unless I do not have a family and never buy a house. My life is over. I currently my {$670.00} a month payment from Navient and my {$400.00} from XXXX ( the XXXX XXXX XXXX ), I pay 1/3 of my income just to loans. XXXX also refuses to income back repayment -my payment instead goes up. Unfortunately, even if I do get income based repayment at this point - still owe over XXXX so I feel pretty hopeless. I have no savings and my loan payment goes up every year as I make more money - I ca n't get ahead. I can not do another forbearance and my parents can not pay my loans because they are currently already paying my siblings loans - all form Navient. My brother also owes XXXX and is in the same situaion. My entire family 's credit and lives have been ruined by this company. If it were not for my debt - I would be successful citizen who can help our economy grow. I have a XXXX XXXX in XXXX XXXX and I work as a XXXX in the XXXX XXXX XXXX XXXX XXXX. 

my dreams will never come true. I sometimes wonder if college was not the biggest mistake of my life - I 'm not making more money because of my loans- perhaps I would have been better off debt free with a lower wadge. I have no financial security and fear for my well being on a regular basis.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX XXXX, XXXX XXXX XXXX XXXX Added a collection account to my credit report for an amount of {$14000.00}. I am not responsible for this collection and I do not owe that amount. I was never contacted about this collection ever. Also XXXX XXXX XXXX is not licensed to collect any debts in the state of Louisiana in which this is a FDCPA violation, and the next steps I will take if this account is n't deleted immediately is to file a complaint with my state 's Attorney General and next a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I rented an apartment from XXXX XXXX where upon moving out I received a bill for {$440.00} for damaged carpet. I asked at the time to complete the end of contract walk through with whomever completed this process. I was denied that option so I completed my own walk through with video due to multiple complaints from previous tenants for where they were charged similar charges. I received the expected bill of the above amount for damaged carpets. I then attempted several times to contact the apartment manager, XXXX XXXX, leaving several messages because she was unavailable to take my calls. I then called the corporate office attempting to plead my case and was directed to several personnel 's voicemails as well. I sent the video of my walk through, showing no damages to the carpets, or any other potential problems, to both the local apartment complex manager and to corporate. My video was mainly the carpets for the complaints that I had received from previous tenants was of their carpets. I did not receive any return communication from either party, so I attempted again to call both entities, without success. I then started receiving harassing and threatening phone calls from a collection agency, Hunter Warfield, where they told me that if I did not pay I would be turned over to the XXXX collection agencies. I am at a loss as what to do for the charges against me are false.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (Auto) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received a letter on XXXX/XXXX/XXXX advising me that I owe {$1800.00} to the City of XXXX for Parking Tickets and No City Sticker. This is the first time I am hearing about this and the letter states that my opportunity to contest this has expired. The dates of all of the tickets are in the year XXXX. I have lived in the City of XXXX, State of Washington since XXXX, XXXX. I have not been back to XXXX for at least 10 years. This has to be a case of fraud and I am not the XXXX XXXX who got these tickets. The Law firm is Linebarger Goggan Blair & Sampson , LLP and they have threathen to garnish my wages, my bank account and file a lien against my property. I am XXXX yrs old and receiving Social Security. This company did n't even do their work to verify that they have the right person and have now waited 4 years later to inform me of this. Please help me. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I initiated automatic payments on my  American Express  card and was making the automatic payments every month. In   XX/XX/XXXX , I cha nged banks and went online to update my automatic payment information for my  Amex  card. I received an email confirming my automatic payments but when the due date came and went, my automatic payment did not come out. I received an email from Amex that they did not receive my payment so I logged on the website and it showed I was not enrolled in automatic payments anymore. I immediately paid it manually and had to re-enroll in automatic payments. I was charged a late fee and interest on the balance  (  the card was still under a 0 % interest promo until   XXXX   2017   ). I contacted Amex and was told it takes a month before the new bank would be drafted for the automatic payment so I should have made my payment manually. The confirmation email I received did not communicate that. The customer service rep waived the {$27.00} late fee after I asked and she reviewed my account. However, my card is no longer under the promo interest-free period because my payment was late even though it was not my fault. Amex should be required to notify their customers in the confirmation email they send out that it will take a month before the new bank will be drafted and to make your next payment manually. It appears they purposely do not inform their customers of this so they can make more profit by charging fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with CCS Financial Services, Inc. (FL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Like 3 year 's ago with  XXXX   XXXX . They said that I owe Credit Collection Services  XXXX  never ever had that much money in the bank ever.   I am on there list. Need my own checking account!   The address is  XXXX   XXXX   XXXX   XXXX , Ma  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  Email is  XXXX  XXXX  XXXX  I read a lot on them they are bogus also. Found a lot of information on them from other web sites. From other people on it also!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I found a credit card account on my credit report that I did n't recognize as one that I ever had. It is reported as a Charge Off and is seriously affecting my ability to get credit. 

I sent Bank of America a letter requesting validation of this debt on XX/XX/XXXX and I received no response. I also pulled a copy of my credit report on XX/XX/XXXX, 31 days after they signed for my first letter. They had failed to mark any of the bureau reports " disputed '' as they are required to do by the Fair Credit Reporting Act. 
I sent a second letter on XX/XX/XXXX requesting validation again and reminding them of their responsibilities, this was signed for on XX/XX/XXXX. I still have not heard back from them about this. All of these documents, including the letters, bureau reports from XX/XX/XXXX and proof of delivery will be attached in step 3. 

They have not responded since, this is unfair that they can just put this item on my reports and they are violating the law by not reporting that I have disputed this information.

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 09-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is the same debt that was from another Collection Agency, Southwest Credit, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

XXXX XXXX XXXX is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another

Company response to consumer: Closed with explanation