milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with ERC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX XXXX has allowed someone to open a debt in my name that does not belong to me. I have submitted all documents to all companies and the credit bureaus. the companies has also forwarded the documents to XXXX XXXX XXXX. I have called XXXX XXXX XXXX and spoken with them personally to verify that they know this is a fraudulent account. XXXX XXXX XXXX continues to resell this account to different collection agencies to have them report this debt to my credit. they have had this debt re reported 3 times wile changing the amounts of the amount owed so that the credit bureaus will re-report. This is against the FCRA rules and i made XXXX XXXX XXXX aware of this and they still have this account re reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (KS).
Issue: Loan servicing, payments, escrow account

Complaint: 1.When researching my complaints I found that my last payment date was XX/XX/2017 and next payment is listed as XX/XX/2017.I am on a SAM, my payments are by bank draft & this worries me that they will not deduct my XX/XX/2017 payment and find me at default. 2.My annual escrow statement has an incorrect deduction for a projected payment in addition to the actual payment from my actual ending balance.Their website shows the correct escrow balance and the projected escrow balance for XX/XX/2017 should have an overage of XXXX above the required cushion of XXXX. ( 3 ) An appraiser tried to set up a meeting to appraise my property when I was negotiating the SAM agreement, he told me the prior appraisal was false, the SAM was signed without the additional appraisal but I 'm still be charged over {$400.00} for the incorrect appraisal? ( 4 ) When I was trying to get a federal mortgage modification they were sending my payments to a suspense account. I finally agreed to a SAM agreement.The SAM agreement did not include my suspense account and ended up being more than my original loan balance. I was told that once the papers were signed that the suspense account payments would be applied to the balance and it would reflect a much lower principal balance than reflected on the SAM. But those payments do not seem to have been applied to the principal. That was a lot of money to disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: APR or interest rate

Complaint: Welcome bonus was XXXX % APR for first XXXX months. AMEX did not put that offer on my account

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: I am with a debt consolidation company. Kohls has been made an offer to settle my debt but has not yet accepted. In the interim they have been calling my previous residence occupied by my husband ( separated XXXX at XXXX and midnight.Most recently on Tuesday the XXXX. 
Are they allowed to call this late? My husband and son have been awakened on several occasions and I feel it is bordering on harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When my credit was pulled on XXXX/XXXX/2016 it showed several accounts, ID information, address and employment information that does not belong to me. When I send the dispute letter I attached my ID, ITIN Letter, and utility bill as proof of identification. I received a letter on XXXX/XXXX/2016 from TransUnion requesting more documentation. I mailed the required documents back on XXXX/XXXX/2016 via certified mail and have not received anything since than. I 'm requesting the accounts and other items to be deleted from my credit report because they do not belong to me. Please see all attached documents. 
Thank you

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.

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 11/16/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Customer service / Customer relations

Complaint: I have a card for Best Buy Stores through CitiBank that I used to finance some appliances. I tried to use the auto-pay option and my billing setup keeps being disabled. As a result I have XXXX black marks on my credit report for a bill that I had the means and every intention to pay. The web interface is obtuse and their customer service refused to work worth me in anyway after I had brought my account current and re-configure auto bill pay. Personally I will be transferring my balance away from them ASAP and I will never do business with either Best Buy or CitiBank in anyway in the future.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/19/2017 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Trouble during payment process

Complaint: I have been submitting revised tax bills via email to Freedom Mortgage since XX/XX/XXXX. I have repeatedly requested a new analysis to lower my payments. Despite repeated attempts in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I  continue to be promised they will review. The difference in my payments is {$300.00} per month lower e. ffective XX/XX/XXXXThey have also submitted the overwitihheld tax to the local tax authority. I am on the phone again today and am being told the best they can do is schedule this for XX/XX/XXXX. Can you please help me get this mess with Freedom straightened out? Thank you, XXXX XXXX XXXXXXXXXXXX XXXX Loan # 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 09-03-2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing LLc sent me back a check ( copies enclosed ) for a payment to be added to Payments in suspense. My modification was was based on the amount of an old insurer, and has not been changed, new insurer is half the cost of previous. enclosed is copy of trial modification. Now I am in fear that I will lose my modification. I have had this problem with SLS in the past.

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 08-03-2017 about Vehicle loan or lease (Lease) with GENERAL MOTORS FINANCIAL COMPANY, INC. (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: have a new car lease thru GM Financial Making payments to account number XXXX. Monthly payments are {$220.00}. I make payments from my XXXX XXXX checking account. on XXXX XXXX 2017 a payment came through for {$22000.00} and was received by GM Financing but not credited to my account. It appears to me the decimal point was placed in error. I called the bank to stop payment but it was too late. I then called GM Financing to get the over payment returned to me. I seem to get the run-around from these people for two months. My last call to GM Financial was today ; I was pit on hold for 30 minutes and never talked with anyone.
It seems like they think they can keep the money.
hard to believe GM would do something like this.
I simply want my over payment {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (Credit card debt) with TRANSWORLD SYSTEMS INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: For the past month, I have received several daily phone calls from Trans World Systems , Inc. ( XXXX ) I have spoken to several agents and told them repeatedly that I am NOT the person they are trying to reach. I have spoken to agents when they call and I have even given them the phone number of the person they are attempting to contact ... .all to no avail. I was assigned my phone number through XXXX XXXX three years ago. Since that time, I have been contacted by banks, credit card firms, resorts, insurance companies, etc. all looking for the same person. I found that person by simply XXXX the name and I pass that information on. I am sick and tired of getting phone calls from this company day in and day out.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I asked for my loan payments to be reduced or postponed until I started working again and they told me I do not have that option

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. They did not notify anyone quickly enough moreover and expect me to pay to freeze my credit on account of a mess up on Equifax 's end..

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Loan Modification denials after 2 attempts. Underwriters not on same page I contacted Wells Fargo XX/XX/XXXX to explain to them that I lost my job and was in fear of falling behind on my mtg. I was offered nothing and was told that my loan had to be in default before I could do anything. I turned to XXXX XXXX to help me with the process of gaining a loan mod or forbearance, upon completion of the paperwork I was offered a position and was told that I would no longer qualify for the unemployment forbearance. I gathered all of my documents and stressed that my grandparents ( both in XXXX, XXXX under XXXX and the other suffering from XXXX XXXX ) we on the loan however, they have their own residence and do not contribute to the household and I also have a transfer upon death deed filed with XXXX County. I was told by one of Wells Fargo 's underwriters that if I could submit an affidavit to this affect that my grandparents social security income would not be needed. Needless to say I was denied a loan modification, I appealed as I took on a part time permanent position and also had a contributor to the mortgage and utilities within the household, I supplied Wells with all of this information, just to be called XXXX/XXXX/XXXX to say that I was denied again! And was told that the current underwriter required my grandparents information. I stated why would they need this when the first underwriter stated that the affidavit that I had signed and notarized would be sufficient and that their income is in NO WAY used for any mortgage payments or bills at the home. This process has been going on for several months ( almost 6 to be exact ). I can not get a straight answer from Wells Fargo as to the documentation that they require and why they require it for my grandparents. I have been paying this mortgage on my own since purchasing the property and unfortunately I fell several months behind after losing my job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CO).
Issue: Money was not available when promised

Complaint: Dear sirs : I have used XXXX for buying and selling XXXX for over a year. For no apparent reason I have been shut out for over XXXX months now. Can not buy or sell, or get my money out. When I try to buy or sell a note comes up saying I need to provide more identification information. Yet, after re-loading my drivers license several times, and receiving an email from XXXX saying " Successful ' the orange XXXX note keeps coming up XXXX more identification '. My recent letter to XXXX is attached in this complaint. No response from Coinbase re my letter or anything. 
I WANT MY MONEY BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Using a debit or ATM card

Complaint: I initiated a dispute on XXXX XXXX, 2015 regarding a charge to my USAA checking debit card from XXXX for {$54.00} for wi-fi services that I did not receive. USAA requested the SAME information over and over and over and over, which I provided at least five times ( four times via telephone and once via fax ). Every time I call, I 'm told that they need THE SAME INFORMATION. I have provided everything they 've asked for at least FIVE TIMES. They refuse to do anything further. I believe that they are intentionally stalling so they do n't have to do anything. USAA service is simply horrid. What happened to this bank? They used to be decent!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-04-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have had to send in multiple papers when I was in the hospital for a year and when I couldnt work. I had doctors fill out the paperwork but Navient kept saying the dr didnt fill the paperwork out correctly. After 4 times my dr said wed went over everything and still they say its not correct. I have called multiple times for loan forgiveness. I get calls XXXX it never stops and its back to back calls. The first person doesnt even hang up before another call comes in. These people are difficult to deal with and have poor management within the customer service department. This mess has been going on for more than 5 years. I need them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Medical) with Medical Data Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Medical Data Systems is seeking to collect, and has posted on my credit report {$140.00} from XXXX XXXX XXXX XXXX for a debt I do not owe. I have made multiple attempts to rectify the information with Medical Data Systems including requesting verification of the debt. They have not provided me with any information. 

I called them 3 weeks ago to report the incorrect posting to my credit report, and they told me they would investigate and respond to me within 2 weeks. No response was ever received. I sent an email to them after the 2 weeks requesting that they update me on the status of my dispute, and provide validation of the debt. No update or validation has been provided to date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Mortgage (VA mortgage) with 360 MORTGAGE GROUP LLC (MS).
Issue: Trouble during payment process

Complaint: 360 Mortg age  Company has  fraudulently used my name and also has committed Identity Theft by claiming they were me. My new insurance company   XXXX   XXXX   which I 've had sine   XXXX   XXXX    2017. stat ed someone called and authorized changes on my insurance account. The changes were to change my personal information and begin sending all correspondence and billing documents to them. I also received a refund of my monthly payment and a letter of closing my payment plan account which I opened. The   XXXX   XXXX   representative  XXXX  out of the  XXXX  IL office and she confirmed the Mortage com pany 360 Mort gage made changes to the account. I was on my  XXXX   XXXX  online account and witness the changes that were made without my consent. The representative also stated that the  XXXX   XXXX  Agent  XXXX   XXXX  was the only individual who could authorize changes to my account. This is an invasion of privacy concerning the  Information Privacy Act and shows  an intent to practice fraudulent and deceptive business claims. The representative  XXXX  also stated that my phone number was verified by the  360 Mortgage   Company.  The phone number that was used has not been in service for years. I do believe  XXXX   XXXX  didi not know the details of  what 360 Mortg age was internally practicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017, Equifax discovered that criminals exploited a U.S. website application vulnerability to gain access to certain files. 
My information was part of this loss. 
Equifax did not take proper preventative measures to prevent the unauthorized release of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: EXPERIAN Credit has an incorrect date of birth. 
Should be XXXX/XXXX/XXXX ( NOT 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 03-02-2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, my debit card and pin was compromised and I had {$300.00} withdrawn from my account without my knowledge and I was also charged {$170.00} in overdraft fees ( {$35.00} x 5 over the course of 24 hours ). I have reason to believe that it was compromised at a TD Bank ATM. On XXXX XXXX, money was taken out from a TD Bank location in XXXX less than an hour after I made a withdraw in XXXX. TD had flagged the account for fraud activity but never contacted me in any way. The card used also did not have a security chip while the XXXX issues to me did. After a 2 week investigation, TD Bank refunded the {$300.00} that was withdrawn and {$70.00} in overdraft fees. But because they had posted the overdraft fees before the fraud transactions, they are giving me a hard time returning the other {$100.00} that they charged me for this fraud transaction. They have promised me to return the money the following day twice but I have yet to receive any kind of credit for it. They are holding my money hostage, but still charging me monthly fees all because of their practice of placing some transactions before others rather than in the order in which they occurred in order to charge overdraft fees and collect money. This has been a nightmare and I am forced to be on hold for XXXX60 min anytime I call customer service. I even went to the branch manager and he brushed me off and told me I would have it tomorrow but nothing ever came. TD Bank should be barred from pursuing this practice against consumers! Transactions should be placed in the correct order that they were made, not how TD feels whats best for them. As of now, I was charged {$100.00} in overdraft fees on an account that had over {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I had XXXX as my mortgage company and made payments ot them and only some of the payments were submitted to principal and the rest was held in an account so that it did n't go to principal. The interest was paid and then a small amount of principal. Call regarding this sent a complaint to XXXX XXXX but nothing ever happened. The company is terrible and took from people when setting up the mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I had a Chase Credit Card payment due date scheduled for XX/XX/17 and subsequently made payment XX/XX/17 around XXXX XXXX. Chase still billed me a late fee of {$25.00} for " late payment '' though. After enquiring, I 've been told I had to make payment before XXXX XXXX ET. 
I live in California and do n't run my life according to ET. Payment was due XX/XX/17 and made more than full payment XXXX PST. It seems ridiculous and unfair to charge me late fees according to a time three time zones away.

Company response to consumer: Closed with monetary relief