milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I called Experian today XXXX/XXXX/2016 at around XXXX and was on hold till about XXXX an agent picked up in the fraud handling department by the name of XXXX XXXX state he team was XXXX or XXXX. I stated to the rep that the XXXX major credit bureaus have removed the account diversified consultant. The XXXX major credit bureaus where XXXX and XXXX I also have supporting documentation in writing stated that the account has been removed also via email. I have provide the same documentation to all XXXX major credit bureaus on my detectives behalf XXXX XXXX and also been approved and am a victim of Identity theft. I asked the rep how can XXXX bureaus take this account off my credit but you guys say it still remains. according to the other XXXX bureaus being that I have filed the policy report and it has been approved with heavily documented information the account ha been removed. This agent XXXX XXXX stated all XXXX bureaus operated differently in which I know it is all built on the same foundation just a few tweaks of course. she than tells me its basically nothing she can do so I asked nicely if you cant help please put me on the line with someone who can. she stated she will not because I keep interrupting her when I stated I am the customer before I argue with you id like a supervisor. She than states I will not transfer you until I can say what I need to say. I stated I do n't want to hear what you have to say anymore transfer me now and do your job. At this time she is still refusing and I stated I will not answer any questions form you. She says so your refusing information now?? that was very unprofessional I said to myself. I than just became silent so she placed me on hold and said ill get a supervisor I waited maybe 4 minutes on hold and she hung up in my face I called back within seconds and than Experian is closed that was so rude. Is this what Experian train their representatives to be like. I 've been very stressed it should n't be this hard taken off an account that clearly the creditor stated they can not provide documentation to me or my detective because they do n't have it the account was opened online they say. They just have my name and social Clearly I 'm a victim of identity theft that information has been compromised. I do n't know what tricks Experian is playing but how can they remove an auto loan that was XXXX dollars but cant take off a XXXX account that is XXXX dollars with the same supported documentation. Something is not right I feel they are trying to work together this has to stop.! the creditor admitted its not me and so have my police report that 's heavily documented.

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 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XX/XX/XXXX my credit report was completely wiped out leaving only 2 collection accounts, and 4 hard inquires. I called in to inquire and was told that the accounts could not be added back until the creditor adds them back per law. On XX/XX/XXXX, everything had been reinserted including things that had been previously removed due to being disputed. I was NEVER given a 5 business day  notification per FCRA and has since been blocked from being able to view my report online. Since I have also been notified that my credit reports have been going to a wrong address that I have also disputed. I called in and they advised me that I had requested to have the address changed which was a lie. They also sent me a credit report with my name and the wrong last 4 of social. I called in and they denied that too. I would like to know who is responsible for holding this company responsible? Are they NOT to follow the laws and guidelines established by the CFPB and FCRA? I have filed a separate complaint with the CFPB that is still open and what Equifax has done was place EVERYTHING back into dispute without my request which is another violation. Who will ever hold them accountable for their actions? Is this something that is often pushed under the rug? Whats the puropose of CFPB and FCRA if you guys will not hold them accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Consumer Loan (Vehicle loan) with LOBEL FINANCIAL CORPORATION (CA).
Issue: Problems when you are unable to pay

Complaint: I purchased a XXXX XXXX around XXXX that was financed throughthrough Lobel Financial. Shortly after purchasing the vehicle it began to havemajor mechanical problems. I went back to the dealer who would not help me. 
My ex-husband took the vehicle to his mechanic without my knowledge. Thismechanic did work on the vehicle that cost more than what the vehicle wasworth and I did not authorize the work. I could not pay for this. I called Lobel financial and let them know whatwas going on. I gave them the information for the mechanic. They did n't want tohelp me either. They told me I was still responsible. I told them I could n't payfor a vehicle that I did n't have. I asked about lemon laws. No one would help me. 
I received several threatening phone calls from Lobel 's reps. They finally toldthat it would be charged off on my credit against me. Now XXXX years later, I goto purchase a vehicle and I am told that Lobel is showing XXXX days past due andthat this is effecting my credit rating. I have called Lobel and even gone into thebranch to try and get this resolved. They gave me the phone number to theirattorney ( XXXX ) XXXX who I have called and left messages for with no returncall. I do n't know what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A representative from Navient offered affordable monthly payments, stating that I had to make sure to pay for 3 months, and then I would be entered into a reduced interest program. 
My husband and I agreed and began making monthly payments. At that time I also began looking into repayment options, such as grants, forgiveness, etc. I was approved for {$7800.00}. I called XXXX and to ask about directing the allocation of the additional funds to completely pay off XXXX of my smaller loans, leaving only XXXX larger loans. I was told that I could not do that until the funds were received. Once the funds were received I called back and was told that I could not decide how my funds were allocated, but was advised to email a supervisor and ask. I was also informed at this time ( 6 months of on-time payments later ) that I had not been put into the reduced interest program, due to missed payments. I was told that missed a payment the month that XXXX received {$7800.00} which was two months after I should have already been in the program. I then received XXXX letters in the mail thanking me for my partial payment?! I have only paid the full amount that was initially agreed on. I never received a reply from the person I emailed, but I did call back. After that next conversation my excess funds were reallocate to pay all but XXXX cents of XXXX of my loans, but left {$460.00} on the other XXXX that it was suppose to pay off completely. I continued to call in order to have it done correctly ; in fact, I call back about XXXX to two times a week now. I have spoken to over XXXX different people and have been told that what I am asking for is possible and legitimate ; however, I ca n't seem to find the XXXX person that handles this. I have been told by all representatives that they are working on it. Yet it has been 5 months since the excess funds were sent in, and 10 months of regular on time payments, I have still not been put in the reduced interest program ( despite being told several times that I am eligible and will be entered into it that day ), I still have not had my funds reallocated, and XXXX still reports to the credit bureaus that I am not paying, despite nearly a year of on time payments and {$7800.00} in excess funds.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with Sunset Management, Inc (SC).
Issue: Getting the loan

Complaint: On  XXXX / XXXX /   2017  I contacte d Sunset Finance o n  XXXX   XXXX  in  XXXX  to apply for a loan over the phone. I spoke with and.  XXXX  who asked whom I was and put me on hold. She came back on the line and stated that " he '' said I could not get a loan with them. She did not take my application or anything. How can u deny me before completing an application?

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX 2008 we requested a short sale from Countrywide on our XXXX XXXX property. We owed XXXX ; the offer was XXXX. We called and spoke with Countrywide Reps at least 50 times and were told it was being processed and then they sued us. The XXXX offeror gave up without an answer and bought another property. A new short sale for XXXX was presented. XXXX XXXX, Sr. VP Countrywide in CA called the buyer 's broker, told him to withdraw his offer, resubmit for XXXX and Countrywide would deliver the property. Countrywide also converted the property by locking us out, changing the locks and preventing us from selling to anyone. We wrote to XXXX XXXX, Bank of America CEO and send a complete file. a deputy called back, said they would check and we never heard from them again. Then BOA sold the mortgage to XXXX who added a new mortgage, perhaps XXXX XXXX. From 2008 until the present, we have never been allowed access to our home and XXXX has continued to destroy our credit beyond imagination. We now live in XXXX, are both XXXX citizens, and I am recovering from XXXX, XXXX 4 months ago. Saturday, we received a bill for over XXXX from the XXXX tax department for a property from which we have been prevented access for over 5 years. We have been harmed beyond imagination by a cadre of bankers and lawyers who ignored court rulings to review in good faith the offers we presented. We lost untold thousands of dollars not to mention an inability to protect our future, whatever it is. I have documentary proof of what I have written, names and numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with HOVG, LLC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The caller XXXX XXXX XXXX XXXX is looking for someone else ( XXXX XXXX ). We purchased our home from a bank foreclosure 7 years ago and this agency continues to contact us regarding the former homeowner despite our advisement that we are not the persons they seek nor do we have any affiliation. Their phone number is XXXX. They make robocalls multiple times per week : XX/XX/XXXX : XX/XX/XXXX XX/XX/XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX-XX/XX/XXXX XXXXXX/XX/XXXX TUI ), XXXX XXXX, never late XXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX -TUI, XX/XX/XXXXXXXX, XX/XX/XXXX-TUI, XX/XX/XXXX XXXX Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.

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 05/19/2015 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Deposits and withdrawals

Complaint: Back in 2006 I opened an IRRA account through Bank of America and administered by XXXX XXXX ( Account # XXXX ), transferring my retirement funds from my previous Employer, XXXX. I am now employed by XXXX and wished to roll the money into the State of Washington Deferred Compensation Program ( DCP ). I started this process back on XXXX/XXXX/2015 but continue to encounter roadblocks. 

The state has requested the funds be sent over as a check, see attachment, per their procedures. However, Merrill Lynch claims they can only transfer funds only after I receive a XXXX XXXX XXXX. According to the State, they are not a banking institution so they do n't use or provide Signature Stamps. I 've never heard of such a stamp but the people at Merrill Lynch assured me I could get XXXX from any Bank of America. I went to XXXX different banks ( XXXX in XXXX XXXX and XXXX in XXXX ) and all indicated they could n't give me this stamp. I was then directed to check with another institution ( XXXX XXXX in XXXX ) and they said although they could provide a stamp they do n't do it with a document stating that a stamp was required. 
I 've left numerous messages with staff at Merrill Lynch ( XXXX and XXXX XXXX ) but have been unable to reach them for further assistance. I 've believe that I have been patient in trying to move my funds from XXXX organization to another. ( See attachment ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MD).
Issue: Other service problem

Complaint: I have tried to verify my identity with COINBASE ( via app, via PC ) and it has failed repeatedly. I even setup my bank account, and provided them with the information that MATCHES my ID Card. I scanned the front AND the back ( NO glare, NO indistinct numbers, letters nor graphics ), and when my ID Card failed, I used my Driver 's license, and THAT failed. They have a policy that outright refuses refunds, outlined in their Terms of Use, and the money I gave them is now in limbo for EIGHT DAYS ( if not longer ), and I am not confident in their ability to lock in the rates of currency that  existed when I made the purchases. 

If I could get some information on how to take this further ( not to court, but to push this higher and higher until it can get the attention it needs ), I would appreciate it. I feel it would be all too easy for a company like this to use their " hold times '' to cause consumers to miss out on vital investment opportunities, and maximize their own profits in the meantime. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Credit card () with WELLS FARGO & COMPANY (NC).
Issue: Rewards

Complaint: We have Wells Fargo banking accounts. A banker was promoting Wells Fargo 's Visa card by saying if we apply a card and pay our cell phone bills once a cell phone is damaged or lost we will get a replacement with no question to be asked and indeed he got his own cell phone replaced. We applied a card and always pay cell phone bills by the card. Our daughter 's iphone got damaged and we took it to an XXXX. The XXXX replaced the damaged XXXX by a new XXXX, and we paid some {$300.00}. We filed card benefit claim by supplementing the XXXX receipt. The Wells Fargo benefit office found the excuses of not honoring this claim. 1st they said, we needed manufacturer 's cost estimate. Well, I called by explaining XXXX already replaced the damaged iphone. A representative acknowledged it as making a sense. Then no response for a long time until I called again. This time I was told I needed to get diagnoses. The damaged phone got replaced on XXXX XXXX! and already got replaced by then.

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 monetary relief
Consumer complaint received 12/30/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On my recent credit report, Barclays Bank Delaware has a charge off in the amount of {$360.00}. I did n't receive a notice about it and do n't remember owing them anything. When I attempted to call, XXXX, I was told the account was not with them and given another number which is XXXX XXXX and XXXX. However, I called them on two separate occassions and was told they only handle XXXX people 's accounts, this has been a problem with Barclays, and was provided another number, XXXX. At this number, I was told they do n't handle the account and was given another number, XXXX, which no one answers the phone. I am attempting to get a mortgage to purchase a home and this is the only negative item on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ocwen Loan Servicing , LLC continues to send mortgage account statements on property that has been foreclosed on ( XXXX XXXX XXXX XXXX, XXXX, NC XXXX / XXXX County, NC XXXX ID XXXX ). 

Deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX of where the XXXX XXXX XXXX XXXX , XXXX foreclosed on home and grantee is XXXX XXXX, XXXX for {$3500.00} recorded XXXX XXXX, 2012. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX XXXX XXXX, XXXX to XXXX XXXX XXXX XXXX. 

Then deed filed XXXX County, NC XXXX of Deeds Book XXXX, Page XXXX XXXX, XXXX XXXX, XXXX XXXX to Grantee XXXX XXXX. 

Ocwen Loan Servicing has been made aware of the sale by myself sending them deed book and pages of the sold home.

Company response to consumer: Closed
Consumer complaint received 01/31/2018 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Back in 2014 I was looking to buy a new car and I was preapproved for two loans one through Navy Federal Credit Union and one through XXXX. I was referred to XXXX XXXX XXXX in XXXX DE but they Told me that they did not carry the type of car that I was looking for but they could take me to the Auto Dealer Auction with them and I should be able to find the vehicle that I was looking for. I agreed But they said I would need to give them proof that I had the funds before they would bid on a vehicle For me. To support that I had the funds I gave XXXX XXXX XXXX both of my pre-approvals. We went To the auction a few times and then we finally found a car. To make a long story short I decided to forgo the loan and I bank wired the funds for the vehicle. After I paid for the car XXXX XXXX   still processed both auto loans without my consent. I notified the XXXX DE police and they were tried and convicted of fraud, theft, identity theft and forgery ( Case number XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Someone used my bank account ( checking ) and debit card on XX/XX/XXXX. I immediately called the bank and they reversed the charges. On XX/XX/XXXX, they took money from my account stating that they had proof that I made the purchases. They took {$240.00} from me. I was forced to close my account because I was afraid they would take the rest of the money. The charges in XX/XX/XXXX were : XXXX + XXXX. I did not authorize these purchases and I have belonged to this bank for 30 years. I am concerned they are going to steal more money from me. I did not make these purchases and I am angry I had to pay for one of them already. In total 6 purchases were made. These are the two the bank is saying that I owe right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: they are charging me more than i owed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: After CFPB resolved my complaint about XXXX, I applied for a credit card from Capital One. I was immediately notified at the end of the application that I was approved for {$30000.00} line. The card was sent to me immediately and I created user name and password. I was then told I had to call Capital One to verify the card, which I did. I was transfered to Fraud Dept and they said I had to answer questions to verify my identity. I answered several questions correctly and then the agent asked me when I had purchased property at my current address. I had this info readily available and said it was 2001. They said the answer was incorrect. I said I had previously owned a different property at the address, which I transferred, but I would have to look through my files to find the date of the purchase. They said this was not acceptable ; if I could n't answer immediately, my card would be cancelled. So in the end, I wasted several days and have no card.

Company response to consumer: Closed with explanation