milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying for one month to set up a Trusted ID account with Equifax after their security breach. I have spoken to three separate agents from Equifax for a total waiting time of 2 hours who told me a password would be sent to my email and that password was never sent.
Right now I have been on hold for 45 minutes with Trusted ID after having been given their number.
Yesterday a credit card of mine was falsely used, I believe because of the Equifax breach and yet I can not set up an account with them by email or phone. I believe they are fraudulent in promising credit monitoring for one year free because it is impossible to set up an account. I do n't think they deserve to be one of the three companies with access to credit reporting after this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: on the XX/XX/XXXX, XXXX was paid out of my account to the account to Coinbase exchange. 
These international payments can take up to 3 days but it has now been 9 for me so I can only assume it has been lost. 
Previously Coinbase had a section by which a complaint could be lodged, now unfortunately clicking on any link/page of this nature reroutes you to the starting page or their automated bot only. 

The payment made to coinbase : the euro equivalent of XXXX GBP on XX/XX/XXXX Reference Number XXXX Recipient 's IBAN XXXX Recipient Name Coinbase XXXX, XXXX. 
Bank Country XXXX Bank Name XXXX XXXX XXXX Bank Address XXXX XXXX XXXX, XXXX XXXX, XXXX Recipient Address XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX Paid from my account : XXXX XXXX XXXX XXXX XXXX SORT CODE : XXXX ACCOUNT NUMBER : XXXX IBAN : XXXX BIC : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, Westlake, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Managing the loan or lease

Complaint: I have been paying XXXX on Friday every 2 weeks since I received the card late last year. On months where there are 3 pay periods, Synchrony is misappropriating the payment by posting the extra payment to the previous month and charging a late fee for the current month because the next payment would fall a few days past the billing date. This is an obvious aggressive tactic to collect extra fees. 

I spoke with them and requested that they remove the late fees and post the payments correctly. They said that they would not and even if they could they would n't because the fees were for prior months. I just received the latest fee notice. Please find the statement printout ( excel format ) from XXXX and a copy of all the payments I have made from my bank attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I am filing a complaint against Ocwen Loan Servicing/XXXX Bank for utilizing BWW law group Attorneys At Law to use intimidation to force me to contact them while I was reporting their misconduct to OCC and Consumer Financial Protection Bureau. I recieved correspondence from this firm which had my complete history of my promissary note and deed of trust. In the correspondence that I signed for through the United States Post office XXXX VA. The letter stated, " This is not a demand for payment and this firm has not been retained for a lawsuit against you. '' This type of intimidation and bullying is a part of the abuse I have recieved from OCWEN Loan Servicing/Deutsche bank. XXXX XXXX XXXX XXXX requires financial institutions - companies that offer consumers financial products or services like loans, financial or investment advice, or insurance - to explain their information-sharing practices to their customers and to safeguard sensitive data. I never gave XXXX and XXXX attorneys or XXXX to have authorization to me or my ex husbands information. Will attached documents. My original note and deed said that the loan had to be kept as a VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2016 about Debt collection (Mortgage) with BAYVIEW LOAN SERVICING, LLC (AR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX closed my home loan/sold it to Bayview LLC collections and BAYVIEW will not report to the credit Bureau for some reason never missed a payment in 10 years this is not right that XXXX XXXX XXXX clearly says no late payment since 2007 XXXX XXXX XXXX is still on my credit report..but as closed real estate

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with MERCHANTS ADJUSTMENT SERVICE, INC. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I became ill at home on XX/XX/XXXX with XXXX XXXX XXXX, XXXX and XXXX. I went to the closest medical facility to my home which was XXXX XXXX XXXX XXXX, however, the clinic closed early due to the holidays. In my need to desperately be seen by a physician I went to the emergency room for treatment. In that moment I was triaged and put into a waiting room. 
After approximately XXXX hours of waiting and not being seen by a physician I checked with the clerical staff regarding how long it would be before I am seen by a physician. The clerical staff was astonished that I had not been seen they said that they had no idea I hadn't been seen. Later a female entered into the exam-room and never introduced herself to me. I asked who she was then she stated XXXX XXXX. She requested to see my inhaler I had in my hand and inquired, " who prescribed this inhaler for you? '' After that XXXX XXXX abruptly left the exam-room. XXXX XXXX returned shortly with her malicious diagnosis alleging, " your doctor did not prescribe this inhaler for you and I refuse to treat you. '' During her psychotic, racial rant and abuse of me I suffered a XXXX XXXX in the exam-room. I had to take my medication of XXXX XXXX immediately to endure the racial abuse from this gatekeeper 's vile systematic actions being taken against me. After filing a complaint with XXXX regarding the maltreatment that I received from the doctor at XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX left a line of destruction against me with XXXX XXXX XXXX. In their narrative that dated XX/XX/XXXXthey alleged " you were seen at XXXX XXXX XXXX XXXX 's after hours clinic on XX/XX/XXXX, '' is a fraudulent statement and misleading statement. I was not seen in the after hours clinic they were closed. Therefore, I had to go to the emergency room seeking treatment but was refused medical treatment in the " emergency room by their physician at XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX continue with their intent by making a representation which they knows to be false ... '' you left against medical advice at XXXX p.m.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I was told by an Agent of Nationstar that they do not charge a fee for pay online customers on their website if the account is current as well as up to 9 days past due, They go thru XXXX XXXX and do not charge Customers the fee to pay online. At 9 days past due and after to pay online on their website they charge a transaction fee of XXXX which they state goes to XXXX. XXXX This is on top of a late fee at 15 days past due. ) The concern here is that current and past due customers up to XXXX XXXX do not have to pay for XXXX services, but customers after XXXX XXXX have to- this is targeting a group of individuals and is unacceptable. Either way the fee should be subsidized for ALL Clients or the fee charged for ALL Clients. XXXX doesnt know that these folks are past due. I can not stand dealing with this company, the right hand has no clue what the left hand is doing and I 've had to spend my valuable time doing this research- I was on the phone for just shy of an HOUR with them on XXXX XXXX unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: I received my billing statement dated XXXX/XXXX/2016, and noticed that the property address under the " Account Information '' section of Ditech 's new billing statement format does not include the unit number of the property. This could become a legal issue since the information on Ditech 's billing statement does not reflect accurate information, particularly the property address. I have called them many times in the past, and they were able to correct the " property address '' on their old billing statement format. Now, I have to contact them once again to correct this error. I spoke to XXXX at extension XXXX, and she suggests that I make this complaint once more, because she has no way of correcting it on her side. It is bad enough that Grant/Title Deeds do not show the exact property address even if we trace the document number filed through the County of XXXX. Please help me correct these errors, and hopefully we can start improving our housing record-keeping and eliminate problems completely.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Student loan (Non-federal student loan) with Genesis Lending (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have attended XXXX, XXXX University, XXXX and XXXX colleges since XX/XX/XXXX. I graduated in XX/XX/XXXX with a XXXX 's degree in XXXX XXXX. However, initially I was told through financial aid that i was not able to take more than XXXX XXXX because I did not qualify. After 7 long and tedious years, they told me i could have paid an extra {$500.00} a XXXX and taken XXXX classes instead of XXXX. With this new information, I complained to financial aid and my student coordinator ( which by the way this time i had already gone through about XXXX ). During this time I accrued not only an overwhelming amount of Federal loans because of these predatory practices however, I also had to take out private Genesis lending fans because federal loans covered nothing. Now here I am graduated, with XXXX Genesis loans that equal to about {$1400.00} in monthly payments alone!!! The only job offer I have received is a job that pays {$10.00} an hour from the state which obviously is a no brainer because there is no way to cover these loans on {$10.00} an hour. Please tell me what recourse is available to help me get out of this drowning debt.

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 01/31/2017 about Consumer Loan (Installment loan) with Weinman Acquisition Group (CA).
Issue: Problems when you are unable to pay

Complaint: I received a call from a XXXX stating she needed to verify my address to serve me with legal paper work. I called XXXX and spoke to a XXXX. She stated that the original company hired them to file legal charges of theft and intent to defraud and request my credit card information or banking information over the phone. I explained I was to comfortable giving that information over the phone. She then sais I had no choice that was the only way to keep them form filling charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/20/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Fraud or scam

Complaint: Paypal recently gave me a credit line of, I believe, {$600.00}. I have no intention of using it, but I suppose it 's okay to have. 

I recently ordered tea online for {$16.00}. I knew that I had a balance -- I even checked it -- of {$17.00}, not credit but actual funds I had leftover for some reason and so I used my Paypal account to pay for the order. 

More recently a friend paid me back for dinner and drinks a week or so ago. In attempting to send them a request for the money, to make things easier, I noticed that I had a " payment '' due for the online tea purchase. I was annoyed that the {$17.00} balance had n't been used. Instead, Paypal chose to apply their credit line to the order, something I was never asked about or approved. 

Now, I 've apparently missed the due date for the {$16.00} payment and I see that they 've added an additional {$16.00} " late fee. '' I received no paper statement, no email statement and no text message alerting me to the supposed due date and therefore missed it. When I had noticed it I made a mental note to address it but I apparently waited too long. 

Now, in attempting to call the bank that supposedly handles the credit line, because it is n't Paypal proper, I get a run around as a recorded voice verified that I was human with two super basic questions and then informed me that I could call back in 24 hours. I then attempted to call Paypal only to be told that " the current wait time is ... one hour and four minutes. '' This is another predatory bank stealing " late fees. '' I intend to contact a human operator, have them rescind the charge and then close out my credit line and Paypal card. I do n't need this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX, I filed an " Initial 90-Day Fraud Alert '' which entitles me to a free copy of my credit report. I discovered a fraudulent tradeline from a collection agency ( Diversified Consultants ) originating from " XXXX XXXX '' on my XXXX  credit report. I also noticed two names and a phone number I have never used on my credit report, so I completed an FTC Identity Theft Affidavit ( and police report ). 

This debt is not mine, I do not know where the debt originated. I can presume it is related to the fraudulent names and phone numbers on my credit report, but I do not know for sure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 12/15/2015 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (NY).
Issue: Account opening, closing, or management

Complaint: I WAITED LITERALLY XXXX MINUTES ON HOLD TO SPEAK TO SOMEONE ABOUT MY ACCOUNT TONIGHT XX/XX/2015 AND LITERALLY WHEN THE WOMAN CAME ON THE PHONE, I POLITELY COMPLAINED THAT 16 MINUTES WAS FAR TOO LONG TO WAIT FOR ANYONE, AND SHE RUDELY AND SIMPLY HUNG UP ON ME, CAUSING ME TO HAVE TO NOW CALL IN AGAIN  AND RE-VERIFY MY ACCOUNT, AND NOW I AM ON HOLD AGAIN. I ANTICIPATE ANOTHER WAIT HOLD FOR XXXX MINUTES FOR A VERY SIMPLE QUESTION COSTING ME MORE THAN XXXX MINUTES OF MY PRECIOUS TIME AND DAY. I BILL XXXX, WILL TD BANK OR THIS WOMAN COMPENSATE ME FOR THIS LOST UNNECESSARY TIME SPENT CHASING TD BANK DUE TO ITS RUDE CUSTOMER SERVICE REPS THAT NEED TO BE EITHER RE-TRAINED/TERMINATED FROM EMPLOYMENT? I AM NOT A DOG AND I DON'T NEED TO BE XXXX TRAINED OR BEHAVIOR-MODIFIED BY THESE UNFRIENDLY AND RUDE CUSTOMER SERVICE REPS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (PA).
Issue: Deposits and withdrawals

Complaint: My HSA account was transferred from XXXX when HSA Bank acquired those assets. The investment portion of the account was moved into a mutual fund company ( XXXX ) [ no input from me ]. Once I became aware of this I explained I do not want any money to be there, ever. HSA bank moved the money to the cash portion. Ok so far. Then the funds were moved back against my instructions to the investment account. Once I became aware of this, the value of the holdings had declined due to market changes. I brought this to the attending of ( many ) people at HSA bank, and for more than 2 months they have been " researching it '' to no avail ( for me ). There is n't a huge amount of money in dispute here, but I am most concerned about a bank ( any bank ) not obeying their customers ' instructions. As I believe this is a custodian type of account, I am concerned about a potential breach of the custodial arrangement. In addition, the customer service of HSA bank has simply been horrible. The agents on the phone are quite nice, but seemingly incapable of enacting any necessary steps to fix problems.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with John C. Heath, Attorney at Law, PLLC (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: XXXX XXXX 2015 i recieved a letter from XXXX stating that they have cancelled the following account 's from their active collection files and we 're removing the accounts if they were listed on my credit file. The client name is XXXX XXXX. The account # is XXXX. Date of service XXXX. Balance is {$2000.00}. At the time i recieved this letter from XXXX i was paying a law firm by the name of lexington Law to help me rebuild my credit XXXX items had been removed from my credit and when i got the letter in my mind lexington law had handled this for me so i kept the letter in my personal files until now. I cakked XXXX XXXX last week to get electric services in my name at my apartment i was told by them XXXX that i was showing an outstanding balace if {$2000.00} i wad provided with the number to indentity.gov. i thought XXXX had given me the wrong number so i called the number on the letter fron XXXX when i spoke to seversl of their customer service reps i was informed that they had no record of anything regarding me and removal of my account from their active collection nor removing any amount if mobey from my credit file. After speaking with the customer service rep from indentity theft.gov they provided me with consumer finance.gov and i was directed to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of the Hudson Valley, Inc. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The company ( Collection Bureau of the Hudson Valley ) accepted funds to legally settle a debt ( XXXX XXXX ) but never provided information that the debt was settled. They never refunded me or the debt management company ( XXXX XXXX XXXX ) I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : XXXX XXXX - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau of the Hudson Valley was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear Sir/Madam : Please note : I am filing a new complaint due to the fact that my previous complaint, XXXX was unable to be verified to to a lack of information. I called your offices and they suggested that I file XXXX new separate complaints, one for each of the credit reporting agencies that I would like to dispute with. So to be clear, this is a new complaint, and not a duplicate. 

I am requesting your assistance to clear up my credit report due to an inaccurate collection placed on it recently. Kindly allow me to provide some background information below : I paid {$150.00} because I discovered the apartment management XXXX had forwarded my claim to the collection agency, however, this does not mean I accept the claim. In fact, I completely disagree with this claim, and it is absolutely unjustified, erroneous, and unfair. I just wanted to get this issue resolved and off my mind so that I could pay attention to real issues and other priorities in my life. 

We have tried reaching out to the credit bureaus and asked them to correct the discrepancy. Attached are the letters that I have written to all XXXX credit bureaus, and also to the apartment complex XXXX XXXX. 

Kindly look into this matter and take appropriate action in accordance with laws to clear my credit history of this negative remark and collection at all the bureaus. I am in a process of buying my first home and this is negatively impacting my credit score and my ability to secure a Home Mortgage Loan. 

XXXX has already removed this off my credit report, I am requesting that you contact Equifax on my behalf and further investigate this matter. 

Thank you very much, and I look forward to your prompt attention to this matter.

Company response to consumer: Closed with explanation