milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint: Between us, my husband and I have {$140000.00} in debt, mostly on high-interest ( 25 % and more ) credit cards and bank lines of credit. This debt is all directly or indirectly the result of medical bills and the huge insurance premiums we had to pay in the XX/XX/XXXX before we qualified for XXXX. Every year now we pay five figures in interest on this debt. Wells Fargo has turned us down twice for a loan that would lower our finance charges. They say our debt-to-income ratio is too high, yet they wo n't even tell us what the ratio would need to be for us to qualify. We are XXXX XXXX, respected in our industries, and we are able to cover our other living expenses with income from our work. However, there is a limit to how much we can ever earn between us, no matter how hard we try, and we are getting old. I 'm sure we are not alone. There must be other Americans in our situation. Please help us. 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 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: See Letter, and I would also like for CFPB to assist in communicating to all relevant departments, Customer Service, Fraud, and Bank Card Services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Vehicle loan or lease (Lease) with VW Credit (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I turned in my XXXX XXXX XXXX 3 months early, XX/XX/XXXX, due to the diesel emissions scandal. In addition this new lease vehicle had numerous mechanical problems including parking break failure. VW has let me down. 
In XX/XX/XXXX I paid off the entire lease in advance. I had also overpaid an approximate amount of {$850.00}. I have had a {$0.00} balance and surplus since that time. The surplus amount was refunded to me earlier this year. My balance on recorded continued to be {$0.00} through XX/XX/XXXX. 

When I moved to cancel the lease, the XXXX XXXX XXXX made it very clear that any lease payment refunds are only handled by VW Credit -- the 2 operate separately. I did n't receive a refund check from VW Credit and called on XX/XX/XXXX inquiring about the lease overpayment refund of {$1000.00}. I was told it takes up to 21 days to process. It 's XX/XX/XXXX and still no check. My VW Credit account online now says I must call to see any balance. I called XXXX and was told they did n't know anything about my balance and to call XXXX, then i was told to call XXXX and then XXXX ext XXXX. I was also told the XXXX XXXX XXXX handles this. No one knows what happened to my overpayment. Each person I 've spoken to has told me a different story. It 's infuriating. I log in to my VW credit account and all records confirming this payment history and overpayment have been removed by VW. My original lease ended XX/XX/XXXX so I am due the overpayment of {$1000.00} from XX/XX/XXXX - XX/XX/XXXX. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: On XX/XX/17 I submitted a support request asking for access to the 20 BTC in my vault. The substance of the request related to changing my secondary email, which would be necessary to access my BTC. Over the next few days I received a number of automated responses indicating there was no solution to this fairly straightforward issue, making my money inaccessible. Over the last two weeks I have sent a number of emails to coinbase requesting attention to my case as it involves a substantial amount of money. So far I have not received any response indicating that there exists any sort of support for existing coinbase customers. I do understand that coinbase continues to sign up new accounts, so it appears resources are only being spent on increasing revenue, at the expense of serious issues facing existing users.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Private student loan debt) with Reimer, Arnovitz, Chernek &Jeffrey Co., LPA (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX is trying to collect a shared private school debt of $ XXXX from myself only. They have yet to show me proof of signatures on these loans or the proof of the exact amount owed. This entity is currently under a law suit by the federal government and I want to make sure they arent coming after me unlawfully.

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 02/20/2018 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (GA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Every time I encountered some type of time with hardship. I would never get approved for a payment plan. Because of this, the company would stack on more and more late fees while knowing I was going through a hardship. The company was not fair and understanding of my situation to help. My main concern was always tp try and pay and not to have negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Debt collection (Other debt) with The CBE Group, Inc. (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX   XXXX   took my phone when I switched from   XXXX   XXXX   XXXX   as part of promotion. I was owed   XXXX   dollars in credits for paying off my bill at   XXXX   XXXX   XXXX  . My old phones disappeared and  XXXX  refuses to give me the credits. I have spoke with several supervisors and all say they will take care of it. Now they say they ca n't help me and have sent the bill to collections at cbe group. I tried returning the phones immediately because of unhappy about the credits. They told me to hold on the credits will be applied. When they did n't and I called back they told me I was out of the time frame to return the phones. So I was stuck. The store ran my credit 3 times and nobody will resolve it. Now I owe  XXXX  dollars for the phones I was given by  XXXX  because they would n't return the phones

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 04/27/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Struggling to pay mortgage

Complaint: Wells Fargo the bank, did not attempt to try to establish and ground point in helping us with the mortgage. We have been trying to get a modification from Wells Fargo from 2014 and they keep declining every attempt that we have made. We 've declared bankruptcy because the failing issue that the bank will not help us with the mortgage. They have been asking for the same paperwork since 2014 and we send the same paperwork but they seem to always ask for more. We 're trying our best to  keep our house, we are in the chapter  XXXX  trustee process.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach. My personal information was leaked due to poor security measures by the company. Per Equifax, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Debt collection (Other debt) with Vital Solutions, Inc. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted XXXX XXXX on XX/XX/XXXX and spoke with XXXX in the payment solution department about a collection letter I received in the mail XX/XX/XXXX. The date on the collection letter is dated XX/XX/XXXX stating that I owe XXXX is the balance due in full now this account was placed for collection to Vital recovery services. I told XXXX that I am only 30 days late and I 'm sent to a collection agency for the full balance. Wow I dispute that balance cause on the site it is XXXX. So the collection agency added extra money and still adding according to the letter it might be more depending on when it is paid. XXXX from the payment solution department told me that all I have to do is pay the past due of XXXX plus late fees that might not been added yet to bring my account current then call them and they will buy back the loan I was also told that I need to make that payment to Vital Recovery Services. This makes absolutely no sense. I was also told that the balance was incorrect it should be what I stated above the XXXX so not trusting there so call collection someone have there communication crossed. I believe that XXXX XXXX XXXX is trying to extort more money. At this point I 'm asking for verification of this collection that was placed by XXXX XXXX. This is totally misleading and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Medical debt) with Stillman Law Office (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just received a letter, from a second party debt collector ( all this company is a personal outside agency, hired to try to collect, a debt from a Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Massachusetts, toll free # XXXX.for Balance {$260.00}, dollar amount which I known for a fact that this is a scamming cocollection agency. when I asked him again can you describe what the service was that I should have received he just hung up the phone abruptly, is a lie, because I am a XXXX year veteran that only get medical treatment from the veterans hospital, and so then I got mad with the man because he insisted to remain ignorant while telling me I owe {$260.00}, & because I told him, this is bogus debt., Like I said earlier, that name of the company, '' is the Still man law office, llc,  then again I try to tell him this ... he quickly said that they was n't a real law firm, he hung up on me. my cell number is XXXX * home # is XXXX. please let me know the fastest way to repot this agency, I all ready know about requesting in writing within 30 days explaining the debt. it worked with other callers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I went to XXXX XXXX University in XXXX, GA from XXXX, I took out private loans to cover the additional cost of school not knowing the difference between federal and private loans at the time because my financial advisor did not do a good job at educating me, or answering questions. There were times that this private loan would say that I owed them money but I started going to another school so it should have been deferred. In recent years, they started back calling and I would give them {$150.00} for a forbearance because they state that I only had a certain amount of years for this loan to stay deferred. Not something I was aware of but I paid the forbearance not knowing that eventually that would run out too. Now I 'm up to over $ 100K in debt with this loan and they are telling me that my forbearance time has run out and I need to pay them. When they go over my finances they see money that I do n't see so what I 'm telling them I can pay they are not accepting to it and telling me what they want me to pay. I have talk to supervisors several times who are n't willing to budge and override so that I can give them what I have. One person told me that it would be okay to give them all my money that I have and they do n't care what happens in the event of an emergency. At this point I 'm just broken because I 'm actually trying to pay on my debt and they are making it extremely difficult. Not to mention that they are so rude as if I owe them money personally.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: For over 6 years I have been fighting with Discover Bank over them setting up fake accounts!  I have found out that I have a XXXX XXXX card in my name, a card in the names of XXXX XXXX and a discover card in the name of XXXX XXXX!
And one was for a XXXX XXXX site!  discover Bank has been taken to Federal court over 300 times for setting up fake accounts and stealing money>>>
In federal court state court and county courts time and time again it has bee proven that they set up fake accounts and steal peoples money. fake documents, and lie in courts!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Debt collection (Medical) with Keynote Consulting, Inc. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was contacted by keynote consulting a Collection Agency regarding a medical bill from XXXX XXXX. I was in collections for this unpaid from XX/XX/XXXX which I was not aware of. I requested Keynote Consulting provide additional documentation to validate the account in collections. They did provide the information regarding the medical visit and it appeared to be legitimate. After discussing the payment options with the agent XXXX XXXX. It was agreed that we would pay the {$400.00} balance in 3 payments. While discussing my options with XXXX it was made clear to me that bye clearing the bill up under the agreement, there would be nothing reported or that would affect my credit with the Credit Reporting Agencies. I did provide Keynote Consulting credit card info to charge off my account and they did as agreed monthly. 
On XXXX XXXX, I was alerted by the Credit Bureaus that Keynote Consulting had reported me as delinquent to all the Reporting agencies XXXX, XXXX, and XXXX. 
I contacted Keynote Consulting and spoke with XXXX XXXX the original contact. 
He first refused to allow me to record the conversation for my clarification purposes. 
I inquired as to why they would report this to the credit agencies as we had entered into the agreement to pay off the balance. I made it clear when we had discussed the bill that under no circumstance will I allow this to be reported, and I will make any arrangements Keynote Consulting allows, in order for that not to happen. 
XXXX XXXX, kept explaining to me that the Burden of Proof of our conversation ( which was recorded ) is on myself. He also explained what a degenerate I am for not paying a bill for XX/XX/XXXX. 
Finally he told me straight up that they will not rectify the damages caused by them and to take it up with the Credit reporting Agencies. 
These acts taken by Keynote Consulting are a violation of the ethical codes set up to Govern Collection Agencies, and has been detrimental to my entire families ' survival and livelihood. It is urgent that the Attorney General gets involved and makes sure other individuals are not taken advantage, misled, lied to, disrespected, and put into a compromising situation from harassment. 
I do have a record of all calls, and detail of the entire transaction history with Keynote Consulting. 
I have provided the information to private legal counsel as well to assist with recommended actions.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: tranunion is reporting this bankruptcy incorrectly and has not updated or removed this from my credit report. They have the wrong filing date as well as the court is not listed correctly. Furthermore, verification of accounts means that you have firsthand knowledge that these items belong to me and considering that they do NOT and never could, these need to be removed immediately. 

Pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for anyone to report these accounts in the first place, nor did I give the creditor permission to report these nor did I give permission to the court to report these. They do not have the authorization to report this bankruptcy which is also reporting inaccurately!

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 Payday loan, title loan, or personal loan (Title loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Loan payment wasn't credited to your account

Complaint: On XX/XX/XXXX I made a payment in the amount of {$580.00} which is 2 monthly payments. This was for the Monday Madness Offer. ( See Attached file ) According to the advertisement it states to may 2 PAYMENTS and CityLoan will make the # rd PAYMENT. These 3 payments, to my understanding, were for XXXX, XXXX, and XXXX. I was n't needed to make a payment until XX/XX/XXXX, again from how the Monday Madness Offer is written. In XXXX I did get calls from Cityloan, with a message of saying to call them. I answered a few times and no one was their and line went dead. I made a payment on XX/XX/XXXX that cleared on XX/XX/XXXX. But come Sunday XXXX XX/XX/XXXX there was a repo tow truck banging ringing door bell! Told me if I did not give them my key they would have to " POP '' the lock. 
Long story short, I could not talk to someone until Monday morning XX/XX/XXXX. Once I got ahold of XXXX XXXX she informed me that the " Monday Madness Offer '' was for " Principal Only '' it was not " 3 PAYMENTS ''. I was so frustrated. 
To get our car back, that was only 22 days late, was to first deposit {$400.00} for repossession fee, and {$290.00} for past due amount, into their XXXX XXXX account # XXXX. Then I had to go to my local police station and pay the {$15.00} fee to remove the repo order. Then thirdly we had to go to the repo yard and pay {$110.00} for 2 days of storage and their {$45.00} processing fee. 
It is now XX/XX/XXXX and I have yet to get an updated statement on our account. 
They do not have any online account access whatsoever. I have yet to receive any notices or statements showing past due, nor any notifications of the car being repossessed!! 
I was about to make a payment now, but decided to look up info on CityLoan online. As a result of what I found online about them, I am sending you this complaint. 
Please let me know what you can do and or what other steps I should take to make sure I do not get more fraudulent charges from this company and protect my wife 's car.

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 02-04-2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Hello, I have been in contact with Experian over a dozen times over the past 5 months. I have requested that they supply me validation of listings that are reporting in my file and they continue to respond back that the information has been verified. I am requesting validation of the debt so that I can dispute it properly to have it remove or corrected on my file. I spoke with XXXX different supervisors and I have been told that this information would be mailed to me within XXXXXXXX business days and over 30 days has passed. I took the liberty to send certified mail to them to as well to no avail. I am constantly being told that I need to contact the creditor to verify the debt but they are the ones reporting the debt and they must have proof that the debt is mine or remove the listing/s.

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 03/13/2016 about Mortgage (FHA mortgage) with RoundPoint Mortgage Servicing Corporation (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My complaint is against XXXX XXXX XXXX and Round Point Mortgage. For the following reasons. We were approved and paid our trial period 3 years ago after the trial period was over and we paid on time we were told we have to resubmit our paperwork to be considered again. Since then we have faxed every piece of document they have asked for they either would let it expire or say they never received it. So we keep sending. XXXX XXXX XXXX has taken us to court at 7 times trying to take our home each time we appeared they knew that we in the process of a loan modification and were told a few times that we did not have to be there, but we were because we do n't trust them. The last few times we were pulled into court by them was because they said we did not appear for a court date and we did and pulled the paper work from the court to prove it. XXXX XXXX XXXX has since sold our mortgage to Round Point Mortgage servicing and we are having the same problems with them. They let our paperwork expire, I have the letters to prove it, they say they have not received it. I started emailing with an email receipt and have not received one as of yet. I have also been informed that I have a dedicated account manager, I have not talked to one since XXXX 2015.

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