milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
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 requested the removal of a bankruptcy that is being inacurately reported on my credit report. It shows the Federal Bankruptcy Court as the resporting party and they advised they do not report to the credit bureaus. Equifax reported they used a 3rd party to verify the information which is XXXX XXXX. I have a security freeze on my account so they could not have " verified '' this information, and it shows the Federal Court as the Reporter of the account.
This is a violation of the FCRA because they are reporting INACCURATE information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Student loan (Federal student loan servicing) with Delta Management Associates, Inc. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I originally borrowed approx {$8500.00} through a loan process ( they report it was closer to {$10000.00} ) for my son about 10 years ago for his first year as a XXXX at XXXX.. Did n't have to pay back until he graduated. He dropped out instead. I paid for several years but after a series of misfortunes, moving out of state for a better job, going through a separation, losing my job ( company closed ) then losing my XXXX yo daughter, I let the loan lapse. It has been bought or sold or changed hands to other loan companies ( XXXX for one ) and now they say the loan is approx {$25000.00}.
They made a deal with me last year if I would pay $ XXXX/mo for 9 mos we could get it out of default status. I agreed. But did n't agree with the total owed and indicated that on the form before I signed. They are now saying it did n't count because I wrote on the form. They want to try that again but I MUST agree to the amount they say is due. I know once I sign the agreement I WILL owe that amount ; I 'm afraid then it can be proven then that I do owe that amount and agree to it. I do n't want to do that.
Now I 'm told their next step is to garnishee my wages. I am tired of this and want clear unbiased options and want to know what my rights are in regard to this- its been a nightmare and I need objective viewpoints and direction.

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 12/13/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Fraudulent Unauthorized Credit Inquiry credit information. I 've contacted these creditors over 60 days ago requesting verifiable documents and they all have fell to provide such proof, but I was told by the companies below to dispute directly with Equifax and again and again equifax has refuse to remove these Fraudulent Unauthorized Credit Inquiry, it has been over 60 days in my fight with Equifax, it 's so frustrating to receive over and over again XXXX ; We have reviewed the inquiry information for The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact :

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Debt collection (Credit card) with Sessoms & Rogers, P.A. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: they keep sending me collection that are not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/19/2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Privacy

Complaint: I have a CareCredit account with Synchrony bank. called to pay my account in XX/XX/XXXX fotr the balance on my deffered interest charges. they were not willing to work with me, after numbers of calls i stop payments so they called me by then they had already charched all accumulated interest on the card. I set payments for them to withdraw payments from my personal checking account. I not only have to pay the highest interest on the cards but now that I would want to pay another deferred interest charge on the same account they would not speak with me, because i said that i consulted a financial advisor that also serves a a lawyer for my financial issues. they ask me to call another department that they are not able to tell me who they are. I asked why are they giving my personal information to some one that they can even tell me who they are? All no where in my disclaimer or card notice it says that i am not able to contact a finacial lawyer for my personal finances. i have not receive a call from them and the number i call does not have a business name then you call, goes to a personalized voice mail. mypromotional deferred interest is expiring and they are not willing to take my calls because i mention that i spoke to a financial advisor lawyer in regards to my credit.. they have giving my peersonal information to an identety that they are not able to tell me who they are??

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 12-01-2017 about Debt collection (Other debt) with The Bureaus, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: A collection agency called The Bureaus Inc. put a collection on my credit that is not mine. It is fraud. They never informed me that they were putting anything on my credit. They just did it. I have asked them to remove this fraud and they refuse to do so. This agency is not legal or bonded to collect in my state. They are in violation of the Texas Finance Code

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TN).
Issue: Fraud or scam

Complaint: I tried to log into my Coinbase account after getting a new phone, same account, same XXXX authenticator, same everything. 

Can not get into my account. Have not received a response or resolution from Coinbases account recovery system. Nothing. 

Give me access to my account, I have uploaded my drivers license, all of my info. I wish to no longer do business with your company once I gain access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Savings account) with HSBC NORTH AMERICA HOLDINGS INC. (FL).
Issue: Account opening, closing, or management

Complaint: I have an online bank account with HSBC. My ATM cards have been deactivated. 
I called customer service and they informed me I needed to re-apply for an ATM card ( this is for a savings account! ) because they are now using chip cards. After twenty minutes confirming my information, they said a new ATM card would be mailed to me. I have had no access to my accounts during this time. I was told I could go to an HSBC branch and could access my accounts while waiting for new ATM cards. After 10 days, I attempted to go to the a physical branch. I was told that I can not access my accounts at the branch, only online. I ask if they could issue me temporary ATM cards, or help me in any way. I was told everything must be done through customer service via their phone number ( which is NOT is the US ) or online. When you try to address issues online, you are again told to call customer service. 
It has now been over two weeks and I have no access to my accounts and have not received my cards, and have been told by customer service to " keep waiting ''. I am very frustrated that an account that purports to be HSBC has no means to address customer issues.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Debt collection (I do not know) with MERCANTILE ADJUSTMENT BUREAU, LLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a phone call from XXXX XXXX asking for my date of birth, I did not respond and hung up. A day after, I received written notice from Mercantile Adjustment Bureau trying to collect a debt on behalf of XXXX XXXX. I do not owe any money to XXXX XXXX. I suspect fraud and/or identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: The loan was sold by XXXX to Discover, ever since Discover has canceled my autopay eight times, set autopay up to the incorrect checking account three times, input the incorrect addresses ten times, and now has increased my payment amount with no notification and will not change the amount that my autopay is for regardless of four attempts to have it changed. They instead are sending me late notices for {$5.00}, imposing late fees, and reporting late payment to the credit bureaus. 

In my opinion they are committing fraud by refusing to change my autopay amount to the correct amount and instead trying to collect fees. There is no way for me to change the amount myself, it is something they need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: I cancelled my XXXX XXXX XXXX card in XXXX of 2016 because I did not want an account with Citi. In early XXXX, I received a card from Citi anyway. I called Citi about this, and they said that they could not verify whether or not the account was transferred until XXXX XXXX. I confirmed on my XXXX account that the card was already cancelled. Now Citi is saying I have an account with them. How is this possible if I cancelled the card and have never applied for an account with Citi?

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 11/18/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, I filed a complaint with the cfpb submission, [ Case number : XXXX ]. My complaint was against Nationstar regarding their escrow analysis, applying fees to the account without verifying that charges were incurred by them, applying payments to a suspense account fraudulently, attempting to sell the property without notice to the homeowner and before the property had been foreclosed upon, as well as failing to identify the owner of the mortgage. In XXXX they provided documents to identify the owner of the mortgage and a transaction history prior to their becoming the loan servicer. They did not address the methods used to conduct an escrow analysis or the other issues in the complaint. They did not provide a response that could be read. When I contacted cfpb for assistance their representative XXXX with employer ID # XXXX verified that she was unable to open any documents and therefore she also was unable to read a response addressing the issues in the complaint. These issues have created additional burdens which have made it difficult to continue making payments on the account because of Nationstar 's demand for ever increasing amounts and no justifiable explanation for their increases or addressing their failure to include all payments made into escrow before the escrow analysis was initially done.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (I do not know) with NAVY FEDERAL CREDIT UNION (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Navy Federal credit union began to send me collection bills and account deficates on an account I didnt have, they proceeded with collection activities and threats that took weeks to deal with and my banks help to unfold the damage they created. In the end I received a vague response letter from them and a promised follow up to clear up the mess they created for me, which never happened from theyre part. I had never heard of navy federal and had never had any accounts with them until they sent statement, letters and threats to me.

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 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Confusing or missing disclosures

Complaint: Wallet was lost and someone used my information

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Credit card) with Convergent Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Reciving calls from XXXX, a company stating they are collecting a debt on behalf of XXXX. A credit card I paid and closed XXXX years ago. XXXX is no longer in business and is not reported on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Conventional fixed mortgage) with Real Title Agency, LLC (OH).
Issue: Settlement process and costs

Complaint: I closed on my property on XXXX/XXXX/15. I received a voice mail by the Escrow officer, XXXX XXXX, at the ohio real title agency on XXXX/XXXX/15 and was told to bring {$5200.00} certified bank check to closing on XXXX/XXXX/15. Upon closing on XXXX/XXXX/15, the notary from Ohio Real Title stated that they had not yet received the final closing disclosure from XXXX XXXX of XXXX. After reviewing and signing the documents that were on time and available at my closing on XXXX/XXXX/15, first federal had submitted the final closing disclosure to ohio real title which was then faxed to the location where I was signing the final documents. The final closing disclosure showed the amount cash to close for {$5000.00}. At that time, I was advised by the Ohio Real Title Agency Notary that I would receive a refund for the exact amount that I had over paid with my certified bank check, due to the escrow officers error in telling me the incorrect amount to bring to closing. About XXXX week later, I received a check in the mail from Ohio Real Title for the amount of {$110.00}. I called the escrow officer, XXXX XXXX, and the Post closing manager, XXXX XXXX, and was told that I was refunded a smaller amount because of a XXXX mortgage -- -- the first time I had heard that I had a " XXXX mortgage. '' I then contacted OHFA to verifiy that I did not have a XXXX mortgage, as I was told by XXXX at OHFA in XXXX, that I did not have a XXXX mortgage and I was given incorrect information from Ohio Real Title. XXXX gave me the # for the OHFA Coordinator, XXXX XXXX, to pass along to XXXX XXXX and XXXX XXXX to verify and clarify this with Ohio Real Title. Later on, in e-mail communication, XXXX XXXX stated that I was given incorrect information in stating I had a XXXX mortgage, but I actually had a " rider '' which resulted in new additional " recording fees '' that were not listed on my final closing disclosure. The final closing disclosure that I signed on the date of closing, XXXX/XXXX/15, is not the same final closing disclosure that the Escrow Officer provided me showing the " new recording fees. '' The dates of the documents are different, and the numbers/figures are altered and not the same as the final closing disclosure document that I signed at closing. I simply would like my money refunded that I overpaid, as I was told to bring a larger amount to closing then what was needed at closing. I was to receive a refund of {$180.00} total, I received a check from ohio real title for the amount of {$110.00}, thus being short of {$72.00}. I am most concerned with the numbers and dates being altered on the final closing disclosure that I received at a later date, showing a different amount in fees. I signed a different final closing disclosure at my closing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have XXXX Stafford Loans, original amounts of {$8600.00}, {$10000.00} and {$9500.00} - Total {$28000.00} - originating XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX. My current balance as of XX/XX/XXXX is {$30000.00}. 
My husband and I filed Chapter XXXX Bankruptcy XX/XX/XXXX due to having a very ill son ; we were in a 5-year XXXX repayment plan which ended XX/XX/XXXX. During these five years, the Indiana Trustee, through the XXXX XXXX XXXX, paid a total of {$19000.00} to the US Department of Education and XXXX XXXX XXXX ( now XXXX ). Great Lakes is now my service provider. I have provided proof of payment several times to Great Lakes only to be told that they do not show any payments being made to XXXX XXXX XXXX ( now XXXX ) in the amount of {$8600.00}. They do show some payments made to the XXXX XXXX XXXX XXXX, but not all of them approximately {$6000.00} although {$11000.00} was actually paid. 
After we were out of the bankruptcy, Great Lakes started demanding payments of $ XXXX/month. I called and explained that their figures were incorrect. After all of the payments made by the Indiana Bankruptcy XXXX, I should have a remaining balance of approximately {$8900.00} plus some interest. I have called Great Lakes, spoken to a Manager, sent proof of payments from the XXXX XXXX XXXX, written letters, including to the US Department of Education, searched the internet for assistance, etc. I am getting no where with these people. I have placed my loans in forbearance because I can not afford the $ XXXX/month payments, the loans will come due XX/XX/XXXX. I need help. I am XXXX years of age and will be retiring very soon, I was hoping to have this mess behind me before I retired. I am writing to you because I saw a news article about a law suit that the CFPB has filed against Navient for cheating millions of students. Let me know what I need to do. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Bank account or service (Savings account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Due to a " Regulation D '' violation ( too many transfers ), my savings account through Citibank , N.A . was closed on XXXX XXXX, 2015. All correspondence up to that point indicated that the funds from that account ( {$4100.00} ) would be transferred over into my Citibank checking account. It it currently XXXX XXXX, 2015 and those funds are nowhere to be found. Every Citibank representative with whom I have spoken has given me a different answer as to when I can expect to receive them ( including the XXXX week when no mention of a check was made, whatsoever ). At this point, I have absolutely no idea when I can expect to receive this money, and Citibank has been no help to me at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: APR or interest rate

Complaint: About a year and half ago, I applied and Got an American express issued By XXXX/ XXXX XXXX . The terms were that I was going to get a year of Charges or Transfers at Zero Interest rate. This Credit card Company, abused its power and started to charge Interest during that Interest free Year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was told I 'd be sent a credit balance refund for over XXXX XXXX dollars from XXXX. After letting them know I never received this, I received a call today alerting me that the check was cashed and because it was cashed there was nothing further they can do. XXXX was in possession of documents that I was a victim in identity theft cases and failed to properly handle this. Not only will they not reissue the check, they 're showing my balance positive for just under {$700.00} and marking me late on my credit bureau. 


I want the proper refund minus my current account balance and for my credit bureau to be properly adjusted and to never have to deal with barclays again. Their business tactics have been disgusting and appalling XXXX is taking what I deem to be illegal methods by completely ignoring that an active fraud case was pending while this took place. I sent bank statements in a timely manner to the office of the president and they ignored my query

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwestern Health Management INC (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Went to collection agency XXXX XXXX XXXX here in XXXX XXXX Missouri and spoke to the clerk and asked them for a report on my accounts, because there is 2 people 's unpaid credit on my individual credit report. These people happen to be family and they are medical accounts. I have nothing to do with their medical history or what they owe. They have their own insurance, which I am not listed anywhere on that policy for anything. I told them to have those reports removed and they said we are allowed to do that. I said you are certainly not then I asked for all the copies of accounts and they said no. This information went to credit bureaus and. Stopped me from getting my Business loan and has dramitacally effected my score. I never received any mail for this unfair reporting and against my rights. Please help me because I have already lost 3 accounts to their unfair practices and I need my equipment. I will follow up with lost revenue and what the law allows.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation