milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked, leading to exposure of my SSN and other details.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Student loan (Non-federal student loan) with Northstar Location Services, LLC (SD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In XX/XX/XXXX I cosigned a XXXX XXXX student loan for my daughter XXXX XXXX ( now XXXX XXXX XXXX XXXX for XXXX {$35000.00}. On XX/XX/XXXX I filed a Chapter XXXX Bankruptcy which was discharged on XX/XX/XXXX ( File XXXX ). 

Immediately after the bankruptcy filing and continuing through this year, XXXX XXXX reported this loan to all XXXX credit bureaus as " discharged with bankruptcy ''. No collection efforts have ever been made on this loan and I, therefore, assumed that XXXX XXXX agreed with how it was reporting the loan 's status to the agencies. 

Despite often-made statements to the contrary, I am well aware that only Qualified Student Loans can survive a Chapter XXXX discharge and that this loan clearly did not meet this definition since it was for an amount more than XXXX times the cost of attending the school that my daughter was enrolled at. My daughter did not deceive anyone with respect to obtaining this loan ; she disclosed what school she was attending but no one ever questioned her as to the cost of attendance. The IRS is quite clear that " mixed use loans '' can not be considered qualified student loans and this loan was so large that it had to be known that it would be used for purposes other than tuition, books, etc. 

For the past five years I have assumed that XXXX XXXX recognized that this loan did not survive the bankruptcy and there have been no attempts to collect on it from me. That is none until today when I was called by Northstar Location Services, a representative of which informed me that they had been directed to collect on the loan. I asked about the five years of reporting it as discharged by bankruptcy and I was told that they had no knowledge of that. I tried to explain to the representative that it is improper, unfair and probably illegal to report that a loan was discharged and then to suddenly decide to collect on it. I essentially was told that they were acting at the direction of .XXXX/XXXXMy assumption is that XXXX, the " new XXXX XXXX '' has been reviewing its loan portfolio and has decided to try to squeeze more out of it. So they have sold the debt to a collection agency in the hope that they can get me to pay it. On the phone I was even offered a " deal '' whereby I could be removed from the loan for a payment of " only '' {$15000.00}! 

It is simply unconscionable to suddenly change the ground rules on a consumer after five years of taking a position that is diametrically opposite from the XXXX being taken today. This is the kind of underhanded operating procedure that makes consumers dislike dealing with any financial organizations. 

Despite all this I have received nothing in writing from XXXX XXXX or the collection agency. My contact at Northstar is a XXXX XXXX at XXXX XXXX. 

Anything you can do to assist me in this matter would be greatly appreciated

Company response to consumer: Closed
Consumer complaint received 07-04-2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Managing the loan or lease

Complaint: My wife and I purchased a 2006 Jeep Grand Cherokee XXXX in XXXX, TN.We financed it thru Capital One Auto Finance, whom I am sure you are aware has had many issues with it 's customers.Well, I did n't just have an issue, I 've had too many issues to list here but let me just say that they have affected my life in a way that is hard to comprehend ... I purchased the vehicle for {$33000.00} with no negative equity from my trade in, because I also signed over a second trade ( JEEP GRAND CHEROKEE ), that was also PAID FOR.The original contract had 16 % Interest with a duration of 66 months @ {$920.00} monthly.That comes to a total of $ XXXX.I have every Statement, Notice and letter that was ever sent to me and I WILL MAKE IT AVAILABLE TO YOU UPON REQUEST.Capital One confirmed and I have all my receipts for 57 payments of {$920.00} which is a total of $ XXXX.Now they have marked my credit as CHARGED OFF and show NO PAYMENTS ON THE ACCOUNT AT ALL.They also have the Balance owed at $ XXXX.This caused my credit to fall over 200 points, making it Impossible to buy a car to go to work, or help my Son get a car.I have had it with this Company and only want to go to work and be a productive citizen.I have been getting all news feeds from the CFB since the day that you opened your doors, and I have confidence that the CFB can mediate this situation and make Capital One realize that they can not take advantage of people in this way anymore.Thank you Very, Very Much XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have submitted several request to XXXX, Transunion and XXXX as well to the XXXX itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency

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 01/26/2017 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Balance transfer

Complaint: I presently have a credit card from Barclaycard and was originally promised if I transfer credit from another card to this one, it would be paid off in a timely manner but they keep raising the interest rate on me. They are charging me an interest rate of XXXX percent. Is this an unfair amount?

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 02/24/2017 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Settlement process and costs

Complaint: Dear Officer, I am a loyal customer of Bank of America for a long time. I opened a Home Equity Line account ( Account number XXXX ) with Bank of America in XXXX. When I did my home refinance with XXXX in XXXX, Bank of America ensured me that my Home Equity Line account would be kept open and Bank of America would refund me the payoff fee if they receive any. 
Before XXXX, I suddenly noticed that my Home Equity Line Account was closed. I immediately called Bank of America, and was told that this account of mine would be reopened for me within 10 days. However Bank of America has never reopened this account of mine! 
How could Bank of America break its promises to a customer repeatedly? Why should a bank have different policies? 
As a fiduciary, Bank of America should put the interests of its customers in the first place and must keep its promise to the customer! It not, Bank of America must pay for the damage caused. 
Thank you! 
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 02-12-2016 about Debt collection (Mortgage) with Residential Credit Solutions, Inc. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX, XXXX, RCS AND FINALLY XXXX ARE ALL VIOLATORS OF FDCPA AND DODD-FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I brought a House in VA, I was paying on time and paying a little extra! My spouse and myself got reassigned to another duty station. We work for dod, I was still trying to pay the Mortage and rent. We put the house up for sale first buyer did n't work out problems. I was still paying, I then began to max out my credit card, could n't pay so I went to someone to help me and we put the house up for quick sale, had a buyer and Wells Fargo was taking so long in doing anything the people pulled out! We did n't get another buyer for about 6 or 8 months it was quite awhile. Now we have a buyer again and again Wells Fargo is still giving us problems. The buyers have even gone up on their offer! Wells Fargo keep asking for the same paper work staying they ca n't read it, it 's to blurred some reason to just get putting us off! Then I get another person from Wells Fargo to work on my property that seems not to know what they are doing or how to do a job with the quick sale. When you on my end it would seem that Wells Fargo want this property to go into foreclosure and have set the date for XXXX XXXX, when in fact a year or so ago it would not have gotten to this point the house would have been sold. The person that 's working on this house on my behalf have been calling them every other day or every two days to find out where the process is and what is taking so long. She is been told it 's at this desk and that desk should be hearing something and then nothing. I have send every paper work they asked for and twice some time! Have mad the home accessible, It 's like they let paperwork expire and they need it again, I have even put so much more in this house to ensure that its fixed correctly, this house has cause me a hard ship and it should n't have due to it could have been sold a year ago. To me it seems that Wells Fargo is the one that is holding up this progress and causing us to loose the buyers for this short sale because the buyers are not wanting to wait, as if they want the foreclosure it to take place! Instead of trying to help, they to are causing a hardship causing stress causing sleepless night and tears for not helping the seller!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Debt collection (Medical) with Community Health Investment Company, LLC. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Professional Account Services keeps calling me and will not even tell me why. I know they are a debt collector for medical bills. I do not have any medical bills. They call and have asked for my social security number to identify myself, even though they called me! When I refuse, they then ask for my birthdate - which I wont give them either since I wo n't give any personal information to a stranger on the phone who wo n't say why they are calling. I 've asked them to send something in the mail and I will respond if it is legitimate, maybe a doctor I 've seen. But after a month of my requesting this, they do not send anything stating if I even have a debt. This company has the power to ruin my credit if they are really trying to collect a debt ( there is n't XXXX ), or even if it is a mistake. This seems a wholly illegal way to handle this. they call from 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 11/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have recently disputed the following account with the credit bureau ( XXXX  ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Debt collection (Other debt) with ERC (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection notice from ERC dated XX/XX/XXXX, stating that I owe a balance of {$630.00} to XXXX XXXX XXXX XXXX ( XXXX ).

I responded to ERC with a letter on XX/XX/XXXX, stating that I never received any services from XXXX, and that I was disputing this collection notice. I demanded that they send me a copy of any validation or judgement they claim to have regarding this alleged debt.

I received a written response from ERC dated 3XX/XX/XXXX, that provided me with a copy of an invoice from XXXX dated XX/XX/XXXX in the amount of {$290.00}. The invoice showed services provided to : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX-XXXX. I have never visited or lived in XXXX IL. I have lived in the state of Nevada continuously since XX/XX/XXXX. This matter appears to be a case of identity theft.

XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX NV XXXX-XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Me and my husband had this XXXX XXXX credit card in 2002. Myhusband made his payments on the card until he loss his job. Theyoffered us an settlement offer of 4 payments. I made all of mypayments on time. The very last payment I made was on time, butthey did n't process it until the next day. So the customer servicerep. to me I was late on my payment, so they was n't going to honorthe offer. I told them I made my payment on time. He said, '' Well we did n't get it on time, so your late and the payment offeris no longer good. '' I also tried to get the information from my bankto use but it has been more than 7 years the bank do n't have theinformation. I do n't owe them anything at all. I made my payments asagreed and they did n't keep there arrangement. The balance is XXXX. 
They put it on my credit as if I never made a payment and so forth. 
Now they have Midland Funding llc reporting there information. Thisdebt is more than 13 years old. They still manage to sell info to Midlandto resubmit it on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: The credit Bureaus are giving out wrong information on me and refuse to give me my credit report. I am being discriminated by the credit bureaus and they are giving the XXXX person, who is using my information the correct information, and giving the people that I apply too, the wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit card () with JPMORGAN CHASE & CO. (WA).
Issue: Rewards

Complaint: I have a Chase XXXX Visa credit card, which I 've had for a few years now. On the card anniversary, Chase promises to give the cardmembers a hotel award night, which is placed in the cardmember 's XXXX account. My anniversary was some time in the fall of XXXX, and I did not receive my hotel award. I did n't realize that my award was missing until XXXX of XXXX, at which time I called both Chase and XXXX on various ocassions asking for my hotel award. XXXX companies blamed the other company for the issue, but eventually Chase sent me a letter indicating that I should have my award within 10 business days from XXXX XXXX, XXXX. It has now been approximately 40 business days since XXXX XXXX, and I still do n't have my award.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Bank account or service (Checking account) with Comerica (TX).
Issue: Deposits and withdrawals

Complaint: Embezzlement Comerica Bank ( Texas State Bank ) : Allowed its holding company Comerica XXXX employee XXXX XXXX Senior Vice President Corporate Quality Process Department to create a fraudulent online XXXX Check/ATM Card account to embezzle {$4500.00} from my checking account. 

The online Account Summary indicates current Balance {$17000.00} with Available Balance {$13000.00}. This does not match my current Comerica Bank statement. 

XXXX XXXX Senior Vice President of Corporate Quality Process Department for Comerica XXXX has a history for over 20 years embezzling Comerica Bank account holders, supported by numerous online fraud complaint against XXXX XXXX. XXXX XXXX is a predator going after elderly and persons who will not or unable to defend against her embezzlement fraud for Comerica XXXX. 

This Online Account Summary account is located under accounts tab and can not be found under E Statements tab this account is not associated with my checking account and the welcome line does not display my name as the owner of this online account. 

My XXXX XXXX thru XXXX XXXX, 2016, bank statement from Comerica Bank ( Texas State Bank ) does not list any filing of legal documents to withhold {$4500.00} from my checking account. The entire amount of my ending balance is available. 

Without legal authority, Comerica Bank ( Texas State Bank ) and with no restrictions on my bank account according to my current bank statement. Comerica Incorporated block me from using my XXXX Check/ATM Card to embezzle {$4500.00} from my checking account, using the Comerica Incorporated online summary account created by XXXX XXXX to cover-up their fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Consumer Loan (Vehicle lease) with BMW Financial Services NA, LLC (MI).
Issue: Problems when you are unable to pay

Complaint: Dispute late payment on BMW lease account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Fraud or scam

Complaint: On XXXX XXXX 2018, I wire transferred {$9000.00}. Right after I got the funds on my account, Coinbase blocked my account and asked me to verify my SSN. 

Since I do n't have an SSN, I have submitted my XXXX XXXX Passport to prove it 's me using the account, and I also submitted bills with my name on to prove that I live in the United States. 

I have also verified my Valid U.S. driver 's license already in the past. 

The problem is that I have been unable to reach Coinbase since I HAVE N'T been able to get access to MY MONEY ( {$9000.00} + pending {$3000.00} ) and MY FUNDS ( {$5000.00} worth of Cryptocurrency ). Total of {$17000.00} Whenever I call the Customer Service at Coinbase, all they say is " Please be patient and I 'd like you to have a good evening. '' They even hang up on me without my consent. 

It 's an emergency since the money and funds in my account on Coinbase are all my fortunes. Thus, I ca n't even pay for the rent and other bills. 

I know I 'm not supposed to include personal information, but since it 's an EMERGENCY that has to be resolved as soon as possible. I 'm including my info here. 

My case ID : XXXX, XXXX ( I submitted 2 tickets since they have never resolved the problem. ) My email address : XXXX My name : XXXX XXXX My phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Settlement process and costs

Complaint: My mortgage company charged me a monthly fee for a service I was unaware of and hide it under " other. '' I had no idea that I paid {$37.00} for 10 years for a service I never authorized until I got a form in the mail. When I called the home warranty group that sent me the form, I told them I did not have a contract with them. They said my mortgage company had indeed been taking my money for the contract since I signed for my house. I sent XXXX letters to the Mortgage company and they said I was given it at closing. I checked my closing papers and I did not buy a home warranty. The seller bought one for me. I did not sign up for the service. I sent HSBC a copy of my closing contract and asked for the 10 years of fees to be reimbursed. I never once asked for the home warranty and I did not use it because I did know I had it. They have not answer my letter I sent 6 weeks ago. I want my 10 years of paying for a service money back and it was a faudulant activity on HSBC 's part

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 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: Reporting company used your report improperly

Complaint: Equifax, despite being warned months before, did not keep their security up to reasonable standards and my information was accessed by an unauthorized third party. Rather than notify me directly, I had to see it in the news and do my own research to find out that I was indeed affected.

Company response to consumer: Closed with explanation