milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: AFNI has reported a debt on my credit reports in the amount of {$720.00}. This debt has been disputed and was NOT Validated as my debt. AFNI also is NOT able to collect a debt in the State of Florida. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian reporting a collection agency in my report but they have different social security number and I was deny a mortgage loan for that issue.

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 01/29/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (HI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received a notice of credit adjustment from Citibank dated XX/XX/ 2018 as part of a class action lawsuit. The account in question has since been closed and I was instructed to call the number listed on the letter to get help with receiving my refund. When I called them they gave me another number in order to retrieve this refund from a closed account which led to me being routed to several different departments over several days. Finally the last department I was instructed to call today was out to lunch. I called back as instructed and I waited on hold for about 30 minutes before I decided to use the option to leave a message for someone to call me back. The message stated the mailbox is full and can not accept messages. I cant get a hold of an actual person to help me get my refund issued.

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 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquire various accounts, namely a car loan with XXXX in XXXX, CA. They opened an auto loan with XXXX. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX and after a thorough investigation it was deemed by the General Manager, XXXX at XXXX as well as the detective with the XXXX Police Department that this was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that Transunion remove the Charge Off showing under my name with XXXX and Transunion as well as XXXX are REFUSING to remove this Fraudulent information which is preventing me from qualifying for a home loan and any other type of credit.

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 01-07-2017 about Debt collection (Medical) with Capital Accounts, LLC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to this XXXX around 6 years ago and before having any procedure performed my insurance was verified By the XXXX and after any procedure was done I had paid my portion of the costs. 3 months after the procedure had already been performed I had lost my job and the insurance company decided not to honor their portion of the bill. The XXXX decided, even though they had verified my insurance prior to the procedure, that the bill should land on me. It 's been in collection ever since. Also, the collector seems to be tacking on an extra XXXX dollars to the debt each year the debt is unpaid. I have not once been contacted or received any documentation from the collector. I only know about it because of checking my credit score. I had previously disputed this debt with the credit agencies, but for some reason it seems that the collector had provided some sort of proof. Regardless of what that proof is, I do not agree to have the responsibility of this debt. This XXXX had verified my insurance prior to the procedure being performed and I would not have had any procedures performed without having insurance in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WY).
Issue: Other

Complaint: Was requested by the State of Wyoming complaint number XXXX Important documents were mentioned in my index of documents but were not included by consumerfinance.gov Please add these documents to the complaint. 
Thank You 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 monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching the letter that I sent to the credit bureaus on XX/XX/XXXX, requesting a credit investigation. I have yet to receive my responses. It has been over 100 days since I mailed my letter, and they were supposed to respond within 30 days.

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 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When going through the verification process it was asking me questions about a mortgage loan which I have never had. Also, while on unemployment I was notified that the State of Oregon 's XXXX database was hacked and I never received identity theft protection. I know that there is erroneous information on my reports and I can not access it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (PA).
Issue: Shopping for a loan or lease

Complaint: My wife and I applied for a loan through Roadloans.com which is owned by Santander USA, we received a loan packet that give a apr of 24 % when I know the maximum loan apr for the state of Pennsylvania is 21 %. How can they get away with 3 % higher than state cap?

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with Ocwen, my 1st mortgage for a very long time to process a short sale. I have submitted various offers for review and after months and months of having them take their time to review the offers, request several appointments to come into the home to valuate the property, they now refuse to proceed with approving the offer they currently have for a short sale. They have given plenty of excuses as to why they will not work with me today to avoid foreclosure but not once over these last several months have they tried to help me with being able to sell my house. After all of the hoops I jumped through to accommodate them. Today they note that the reason they will not work with me is the current sale date- but they have postponed my sale several times in the past and for some reason today are refusing to work with me and postpone this one sale that will give me enough time to finally get an offer approved at the amount they seek. I have been battling Ocwen for years regarding this home and now that I have spent a lot of time trying to do the right thing they want to ruin my life by foreclosing. All of my efforts have been made to avoid having foreclosure occur, foreclosure will hurt me financially for at least 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MN).
Issue: Deposits and withdrawals

Complaint: I submit a complaint yesterday as well. In short a garnishment was taken out of my account without me being notified at all from the law firm, so my account is currently negative. In addition to having all of my funds taken right out of my account I had a " legal processing fee '' for {$120.00} on my account causing it to go negative. My issue is that my bank should be protecting me and not dipping into my account and taking money that does not exist, and then attempting to charge me overdraft fees for them over drafting on my account. I have already expressed my concerns with the bank but this needs to be resolved immediately or I will be taking my service elsewhere. To me it seems like taking advantage of someone already in a poor financial situation and I will not stand for it. 

Aside from the legal service fee and my bank over drafting on my account I had been informed today that the funds had already been processed and removed from my account for the garnishment. I 've done a lot of research and know that legally I am supposed to have a 2 day period where my funds are frozen, which did not happen, it has not even been 24 hours. During this time period I am supposed to receive paperwork for possible exemptions from garnishment from my financial institution which I have not received. I check my mail daily and open everything I receive from my bank, including bank statements. I am fully convinced this is illegal, since they have n't taken the necessary steps required by my state to allow someone to garnish money from my bank account. I have contacted an attorney regarding this matter. 

This charge was not on my account for this processing fee until yesterday evening, whereas some of the transactions that are still processing were from the day prior. I also believe the charges were applied to my account incorrectly in an attempt to cause me to incur additional fees and thus for the bank to collect more money from me. 

I am filing this as a follow up complaint to exercise my rights as a consumer and to express my further concerns.

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 09-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AZ).
Issue: Other service problem

Complaint: I received an email from Coinbase advising me that my account had participated in " unauthorized transactions, '' and that they were forcing my account to close. I was directed to transfer funds away from my Coinbase account. I transferred BTC and ETH balances, but the USD balance is unable to be transferred because I have n't added a bank account to my profile. The system will not allow me to add a bank account because it is forcing the closure. I have submitted a ticket with Coinbase ( a month  ago, with no response ), and the automated system for " self-help '' does not address this issue. I have USD sitting in this account which they will not release to me, or even acknowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, Equifax put a late payment on my credit report for an account that I closed in XXXX 2017. XXXX XXXX had went out of business and I called there customer service line and they did n't have a clue how I was suppose to submit my payment for a credit builder account. The account showed closed in XX/XX/XXXX on my credit report and now in XX/XX/XXXX It 's back open with a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Other debt) with Capital Accounts, LLC (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: My son attended childcare in XXXX. I have a past due amount, which at the time I did not know the exact amount. My son started XXXX that XXXX. I never received a bill or phone call, voicemail or email. Moving forward, XX/XX/XXXX I received a call from Capital Accounts. The representative told me that I had an outstanding balance of {$1200.00}. She told me that it was already put on my credit??!! I told her that I was aware of a balance but not to that degree and that I never heard anything from the school about my balance. I contacted the school and she said that they sent out notices to my address. I let her know that I didn't receive them. I moved from my residence in XX/XX/XXXX and put in a forwarding address. I can contact the USPS to get proof that I moved from that address. She also sent me a ledger of the correct amount. I asked her if I could pay them instead of dealing with Capital Accounts she said unless it was in full, I could not make any payment arrangements through them. I checked my credit score and it was a negative collection mark on there from ( CA ), the account was open in XX/XX/XXXX. That negative mark brought my score down 40+ points. I wasn't giving a warning or any type of reason behind it. I feel that I have been robbed of my innocence. It should be illegal to put a collection on someone's credit before speaking to them. Not just attempting to call them or mailing a supposed letter. I spoke with a representative from Capital Accounts yesterday and told him that they did not have the right to put that on my credit without giving me a chance to attempt to pay the debt. I have not lived at my old address since XXXX, and the rest of my bills were forwarded or sent back to the sender. After the phone call in XXXX I only received harassing phone calls. They have not mailed me a statement to this day. I had to beg the creditor to send me a email proving that it was a ligament company. I received a email Thursday XX/XX/XXXX, TWO months after speaking to the representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Although the debt attempt was not viable I paid the bill directly through XXXX. I then called Diversified Consultants, Inc. to report the bill had been paid again. Diversified confirmed the account was closed. I requested proof off payment and account satisfaction both via email and hard copy. I was told both should be received within 48 hours. I verified my email address 3 times. 9 days later I still never received confirmation. On XX/XX/XXXX I called again. I was again told the account was closed to satisfaction. I again requested confirmed and was told another 48 hours. I insisted on speaking with a manager after getting nowhere with the initial representative who stated they were helping me because they could not get ahold of the person who was handling my case. Someone representing themselves as a manager picked up the phone, said this is XXXX XXXX please hold. The phone was then left off the hook-on hold for over 30 minutes without my concern being addressed. Needless to say, I still do not have proof of payment. I even tried several times to access he online potal to print receipt myself and I only get back a message stating the account does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Deposits and withdrawals

Complaint: I made a deposit of XXXX funds on XXXX/XXXX/16. When the initial hold was placed it was until XXXX/XXXX/16. Then it changed to XXXX/XXXX/16, making it 31 business days instead of 30 but I considered the holiday and did not complain. It has now been extended to XXXX/XXXX/16. This is ridiculous! The funds were withdrawn from my XXXX account weeks ago and the supporting documentation was faxed to their XXXX office and instead of releasing the funds they extended the hold.

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 04/15/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was able to get a copy of my credit report and saw that I had numerous inquiries were not authorized by me. I spoke with several reps from Equifax and which no one was able to assist in the matter. I disputed them online and asked them to send me an updated copy of my report with them removed. Their response was simply giving me the definition of an inquiry, in which I am aware of. The second time I contacted them in regards to the situation, the representative was extremely rude and continuously cut me off when I was trying to explain to her the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have had previous communication with this company and with the credit bureaus. The debt has been verified after me sending in a theft affidavit and FTC affidavit. I did not open this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (GA).
Issue: Account opening, closing, or management

Complaint: I responded to a Citibank promotion that offered {$400.00} for opening a new checking account. I completed the requirements and should have received the bonus by XX/XX/2016. I have contacted Citibank numerous times but am told each time that this is being investigated. A google search finds numerous others with the same complaint against Citibank.

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 10/14/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Settlement process and costs

Complaint: In XXXX 2011, my mom and I purchased a multi-family house in need of renovation, from Bank of America for $ XXXX in a short sale. At the time, the Bank of America loan officer handling the short sale ( XXXX XXXX XXXX ) told us the house would not qualify for a financing via a conventional fixed mortgage with 20 % down, due to the condition of the property so he arranged an FHA loan, even though we had enough cash on hand to buy the property outright at the time and would have preferred conventional financing. The FHA loan came with a mandatory 5 yr PMI payment that we were told we could remove once we reached the 5th year by providing documentation of the increased equity value from the renovations we were undertaking and paying for a new appraisal to verify the improvements. To date, we 've improved the property by more than {$95000.00} in materials and restoration work. At closing when we asked again, the Bank of America loan officer repeatedly assured us that upon presentation of the completed renovations including all new windows & door, new porch, new deck, new kitchens, new bathrooms, new plumbing, new hot water heaters, new furnace & updated electric, we would be able to remove the PMI. It has now been 5 years and upon contacting Bank of America, we are being told something entirely different. They say we can not remove PMI unless we make an equity payment of a lump sum to bring the loan value to 78 % of the original purchase price & appraisal value ( which is significantly undervalued because of improvements ), even though we were specifically told otherwise as we went through the loan process and also upon closing. This is not what we agreed to nor did we sign anything that said that.

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 card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I HAD NOTICED A CHARGE ON MY CAPITAL ONE ACCOUNT OF XXXX IN XX/XX/XXXX. CONTACTED THE COMPANY AND THEY HAD TAKEN THE CHARGE AWAY. I HAD FAXED PROOF TO THEM THAT THEY CHARGE IS DIFFENTLY FRAUD. I HAD FAXED THEM A COPY OF THE COMPANY THE CHARGE WAS FROM. 
CAPITAL ONE HAD PUT THE CHARGE BACK ON MY ACCOUNT ON XX/XX/XXXX. I HAD CALLED THEM AND THEY REFUSE TO TAKE THE CHARGE OFF. I HAD REFAXED THEM THE PROOF ON XX/XX/XXXX. WITH A LETTER. I HAD CALLED THEM ON XX/XX/XXXX. AGAIN, THEY WILL NOT TAKE OFF THE CHARGE BECAUSE THEY SAID THAT IT IS MY CHARGE EVEN THOUGH I HAD FAXED THEM PROOF TWICE THAT IT IS NOT MINE. I was contacted to XXXX which is my fraud agent and she was not available. I was unable to leave a message due to her mailbox was full.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Having received a reply from the history of my loan, XXXX XXXX, who went bankrupt and gave out faulty and or predatory loans, Litton loan who has had its ' owner purchase shares of new loan servicer with indemnity clause and finding knowledge of hedge funds and investments traughs that may have been awarded compensation on the note of my property, wanting to stay in home with a workout solution with added income. The persistence I have had to provide a home for my family and XXXX childs needs as a hardship said earlier, leaves me a pursuit to quiet title on residence for a additional loan audit which was securitized XXXX, XXXX XXXX having legal issues with real estate domestic and abroad. Having XXXX a year income since XX/XX/XXXX makes me want to cure with findings a lodgical solution with aided government help to see all is legal and done properly. The signing of papers from a censured attorney and a attorney that was sent to jail ( XXXX XXXX ) for mortgage fraud and other legal issues have hindered my resolve but to add more delays. Please find a happy Medium that a arbitration can produce a mediation that works for all involved. Ocwen, XXXX XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation