milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (VA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: PAID off my XXXX XXXX credit card on XX/XX/XXXX online. Got email from company that payment had been applied to my account and posted to my account on XX/XX/XXXX, and was POSTED and withdrawn from my checking account on XX/XX/XXXX. Mind you, there is no disclosure on the email or anywhere on the website advising this is a policy and that there would be a hold on these payments, and in the past, my payments have always applied and been available immediately, or the next day at the latest. Even a {$2500.00} payment made 2 months prior was available the next day. So, when i tried to use this card on Tuesday, XX/XX/XXXX, it was declined. i was very confused so i call the company, and i was told there was a hold on the payment and he wouldnt advise why and that it was just their policy that it has a 7 day hold before the avail credit is avail. Waited until next day, XX/XX/XXXX, and still nothing avail. Called again, as i paid the card off to book a family vacation, that the price is increasing daily, only for the manager to advise me, that due to the amount of the payment, being out of my normal payment amounts and algorithm different, even with the {$2500.00} pay prior, that their policy is these larger payments require a 7 day hold, and due to the amount there was nothing they could do to release the hold, and i am basically penalized for 7 days, and cant use my card to book my trip, until after the 7 days!!!!!!!! and due to the high limit of the payment, it wasnt even in her limit to release the hold!! i am beyond distraught about this awful policy! and being able to book my vacation, that is increasing daily!!!!!!!!! I work for a fortune 100 credit card company and have never heard of such a policy, or was even disclosed this info!!!!!!!!!! How is this legal??!?!?!?!?!?!

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 05/27/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I have XXXX sub-prime loans with Wells Fargo Bank. XXXX loan that I owe I have been paying. The other loan which I believe is fraudulent is behind in payments. Wells Fargo has sent an intent for foreclose based on the loan that is behind in payments. I understand that but they also have reported the loan that is not past due in foreclosure and added additional charges to my last XXXX statements based on their procedures to foreclose. They have also reported my account that is up to date and current past due. The additional charges they have place on my loan that was current have cause the interest payments at 8.6 % daily to increase making the amounts I submit for payment less on my loan and more in fees and interest. Can they do this on a seperate loan and still charge me fees on the one that is past due. Since I have asked the numerous time to combine the loans and they refused - seems strange to me how they can put charges from XXXX account on to a seperate account if they are not connected?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Congress has limited the use of consumer reports to protect consumers ' privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. These are : For the extension of credit as a result of an application from a consumer, or the review or collection of a consumer 's account. Section 604 ( a ) ( 3 ) ( A ) For employment purposes, including hiring and promotion decisions, where the consumer has given written permission. Sections 604 ( a ) ( 3 ) ( B ) and 604 ( b ) Based on the regulations above Equifax, LLC has yet to provide evidence of a credit application nor have they shown evidence in which these inquiries were used as apart of an employment application. Therefore, permissible purpose does not exist. These inquiries should be removed immediately. 

XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Debt collection (Auto) with ALLY FINANCIAL INC. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calls 4-5 times a day, leaves a message not saying who they are, and when I do answer they do n't say who they are and ask me to hold to talk to someone after talking to someone. I get calls at random times of day Monday - Sunday. Even worse is my loan is t late. They call for payment on a loan that is current.

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 02/22/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: SPS 1st TD : XXXX XXXX TD : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX A short sale was started XXXX/XXXX/17 with SPS. In calling for updates we reached XXXX. She stated that the investor will not allow a short sale and the only option for the homeowners to avoid foreclosure is a deed in lieu. We informed them that deed-in-lieus do not work when there is a 2nd TD on the property. XXXX insisted that the second will participate in a deed in lieu and has refused to tell us the name of the investor. 


SPS is lying to us. SPS is refusing to tell us the name of the investor. SPS is only a servicer and they are defrauding their investor and the borrower by insisting that a deed-in-lieu is even a possibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: Hi was told 3 weeks ago in XXXX 2017 that they would n't be able to put my loans on Forberence spike to another rep 2 weeks ago told me not true put my loans in Forberance only to find out they did n't bow there threatening me by letter that they will send me in collections and take my wages. Its been so confusing I feel ill over this its like the never ending loans. They try to send me application for repayment its confusing I do n't know who to trust anymore please this is making me so sick they send me letters almost every three days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I filed a dispute with Equifax because of inquiries I saw on XXXX XXXX that were not mine. Immediately the next day I receive a report from Equifax stating the inquiries are factual and mine. There was no way less that twenty-four hours of submitting the inquiry dispute for XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX could have been disputed that quickly. I have the right under the FCRA to dispute with the credit bureaus any inaccuracies. I already contacted the organizations which also directs you back to the credit bureaus. Equifax is refusing to dispute on my behalf. I submitted twice and they sent the same message immediately saying the inquiries belong to me when they do not.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This collection was settled with the company by return of the equipment. Another collection agency removed the debt. This company did not give me the 30 day notice to dispute debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I sent money to Coinbase Inc to purchase virtual currency, and to that point it 's worked fine. I now wish to withdraw funds but they have not validated by bank account to make the transfer back to me. 

To validate they require you to send a SEPA transfer of at least XXXX euros, and they say they will validate your account within 2 days of receiving the funds and then you 'll be able to make withdrawals. 

I sent the SEPA transfer on XX/XX/XXXX, I received an email from them confirming their receipt of the funds and it 's currently showing in my Coinbase wallet as received, but they have still not validated my account, so I still can not withdraw funds. 

I 've sent 2 customer service requests to them with issue numbers : # XXXX and # XXXX. But to date they have not responded. I 've tried contacting them by twitter too but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a collection account listed on my credit report ( all XXXX - XXXX, XXXX, and XXXX ) - reported by Account Resolution Services on behalf of a medical debt not specified.
From a search conducted on Texas 's treasury site, Account Resolution Services is not licensed to collect in the state of Texas there fore I am disputing this collection account. Please have the collector verify their bond number to collect debts in Texas as the screenshot I have attached, do not match the contact details listed on my credit report for Account Resolution Services.
If indeed, they are licensed why are they collecting under a DBA or different name not listed on the license/bond with the state?
Account Resolution Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 06/16/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (AZ).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: TCF is failing to report my banking information to a company that I use to access funds in a timely manner. The delay in providing information is creating a delay I need to access funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/XXXX my husband and I took an equity line of credit with Bank of America. We had a pre-existing 2nd mortgage with them for {$120000.00}. and a {$530000.00} 1st mortgage with XXXX XXXX ( whom is not XXXX XXXX ). At the time, the appraisal came in at {$750000.00} and so Bank of America gave us a new 2nd mortgage at {$210000.00}. 
We did not know that we could not finance 100 % of the equity in our home. We still have the XXXX mortgages with an appraisal at {$580000.00}. I am only paying interest on the Bank of America loan and I have modified my mortgage payment 2 years ago. I tried to modify it again but was unable because they could not lower my payment to the govt. percentage rate. That is when I learned that I should n't have been able to finance to 100 %. I did all the mortgage application through a salesman that had contacted me by phone and thus the mortgage is in my name only ( we really do n't understand why ). 
At this point, my salary is XXXX of the amount it was in XXXX am a XXXX and my reimbursements from the XXXX is the reason for the lower pay. I am taking classes to obtain a XXXX in XXXX but I am only partially into this program. When I finish, I have {$95000.00} of student loan debt to begin paying also. This is why I tried to modify again ; I sent paper work in once using my salary and a contribution from my husband 's and I was denied because they said I did not make enough money. I reapplied and tried to have my husband 's name put on the mortgage and was denied again due to not meeting the govt percentage requirement. XXXX told me that I can not add his name without refinancing and we would be denied for that. 
Yes, we were stupid like so many others. We are hanging on and I am afraid to even contact Bank of America for fear that they will want me to give back a percentage of the 2nd mortgage. We have no savings, living week to week so there 's no possible way we could handle that. My office is in my home so even if I was to downsize my home, I would have to lease office space so I ca n't win. 
2 years ago, I had to file Chapter XXXX bankruptcy for myself because of the loss of income. The attorney at that time was not a mortgage attorney but felt that there has been some questionable activities in loaning us money. I can not afford to hire another attorney to investigate especially when XXXX XXXX says there is nothing that can be modified. 
Is there?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TCF NATIONAL BANK (HI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On XX/XX/XXXX I contacted XXXX  to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2015 about Credit card () with JPMORGAN CHASE & CO. (LA).
Issue: Late fee

Complaint: paid my payment in XXXX for XXXX but paid before generating charged a late fee, called and complained late fee removed paid in XXXX apparently again before due date but will not remove late fee because already had XXXX removed, no one bothered to explain if pay before due date then it would generate a late fee, still confused.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with ID Analytics, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: I tried to contact SageStream , LLC about the information they have on my consumer report and the phone number provided cuts of and at other times I get message phone number is not available. I researched company and they have been notified by federal government to be in compliance when they were doing business as ID Analytics. I was denied a simple {$240.00} payday  loan ( cash advance ) due to information provided by this consumer reporting agency that reported my score as   XXXX . My scores from the main credit reporting agencies range from  XXXX  to  XXXX . I would like your assistance in stopping this consumer reporting agency from being used to provide credit information to any and all credit agencies. They are hindering people from getting loans and/or assistance.   Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been trying for 10 + years to fix I had a account with XXXX XXXX in XXXX and I got hurt at work, i am permanat XXXX should have been paid off they sold or transfer at least 8 times every time new one called I told them never hear from that one and then it was sold to someone else well on XXXX it was sold to XXXX XXXX and on credit they did says new open in XXXX and when I desuted it saying it tis from another nothing Equifax does dispute in my file shows open XXXX from XXXX same account the below says XXXX XXXX XXXX XXXX they bought this in XXXX from XXXX even says on report sold charged off and they being XXXX keeps trying to say no it open in XXXX this account is over 10 years old and they just ran my credit again this year This is the only account all my others when I got hurt did what I bought XXXX insurance never thinking I would ever use it and still they keep screwing me I have talk with my credit union about this in the collections department and they say they cant do that the account is from XXXX not new in XXXX I have copies of the results they just did and it shows it clearly How many years do I have to pay for getting hurt 10 + 20+?
I need the corrected and I do n't know what else but fight it over10 years old. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/13/2016 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NM).
Issue: Loan modification,collection,foreclosure

Complaint: This property is in some stage of foreclosure, but public records shows still in the owner 's name, not a Bank. They have discontinued paying assessments or maintaining the property and now have a large balance.

Company response to consumer: Closed
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11-10-2016 about Consumer Loan (Vehicle loan) with KEYCORP (VT).
Issue: Managing the loan or lease

Complaint: Key Bank bought out first Niagara, where my car loan was held. Checked Key Bank account, no pending debits, so I paid my {$440.00} car payment on XXXX. They autodebited {$440.00} that same day. Called 2 days later on XXXX : horrible customer service, said they would call me back when someone who could reverse charge was available. Never called back. I called them on Monday XXXX. Staff person was knowledgeable, but said I might not see the amount come back until XXXX/XXXX/16. Seemed like a long time to wait, but fine. Today, XXXX/XXXX/16 -- no money credited to my account. Called Key Bank. Was put on hold for 35 minutes ( the recording warned of 3-6 minute waits ). Was told that because I do not have a Key Bank checking account they have to mail a check, which they will do on Monday. This is a long time to wait, and I did n't get the same answer out of any XXXX people. I 'm still not convinced I will receive a check next week. Nowhere on my account can I see that auto debit is set up, but the woman on the phone assured me it was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Having problems decreasing my monthly payments what human can pay {$800.00} once a month, also Dealing with my lender trouble with how payments are handled need information about my balance and terms, they call everyday sometimes more than once

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: There is an account from the company Navient that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Medical) with Resurgent Capital Services L.P. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have written XXXX times to XXXX the lastest letter being XXXX XXXX,2015 ( see attached copy ) asking them prove that this debt is mine. As I understand they should not reporting anything to the credit bureaus untl they sent proof that this debt is mine ... I have no recollection of not paying a medical. Not with stand FDCPA, they continue attempt to collect this debt by reporting on my report which naturally hurts credit profile as I am trying to buying a home.

Company response to consumer: Closed with explanation