milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Today  XX/XX/XXXX  I was made aware that Barclays Bank Delaware made the decision not in my favor regarding an Identity Theft Report filed and a Fraud Affidavits provided to the company .Barclays sold to  XXXX   XXXX   XXXX  and  XXXX  and  XXXX   XXXX  accounts that were  open fraudulent without my approval or permission, Barclays sold the accounts to 2 outside  collections agencies knowing the accounts for reported fraudulent in  XX/XX/XXXX , this is not ethical, instead of correcting the problem Barclays sells the accounts to collections agencies.

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 04-07-2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am currently making payments bi-weekly for medica debt. This company continues to call me several times a day. This is harassment and it will not be tolerated.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: During the loan I had late payments as I got near to paying off loan I requested that late payments be updated in agreement with paying loan off early. XXXX XXXX representive agreed to update my account status but informed me that it would take 30 days. I agreed for payment to post to pay of account XXXX XXXX 2017. I currently applied to pre qualify for a home loan and was informed that late payment was still on credit report. At this time I contacted XXXX XXXX and have received the worst service which I feel its because I do not have a open account being transferred from person to person being placed on hold for extended periods of time on several occasions from XXXX 2017 to XXXX XXXX 2017 DAILY. This company has provided me with the worst service and refuse to honor agreement 1. Because I am no longer a customer ( But offered to consider removal if I was applying for another home loan through XXXX XXXX ). 2. I 'm a XXXX XXXX Veterans that suffers with XXXX, XXXX XXXX and other XXXX XXXX which is triggered when I 'm spoken to aggressively which the representative have done repeatedly. 3. As a XXXX XXXX XXXX they show no concern for anything i have to say but I have listen to them talk to other XXXX customers and they are very respectful and courteous. I continue to ask that my late late payments be removed as agreed upon and honor my request quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Delinquent account

Complaint: Capital One gave false and misleading information stating if we paid off the card in full we would receive our credit lineback. They now refuse to give the credit line back after the card was paid in full. We have XXXX other accounts in the same sitiation they released when they were paid in full. We have been told a collective XXXX difference reasons why the account can not be reopened and are not completing the requested phone call reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Managing the loan or lease

Complaint: I was in a current lease with Mercedes, which was set to end, and I therefore leased a new Mercedes. Unfortunately, the initial ordering of the vehicle was delayed due to the auto being delivered with the wrong options. This led to a series of extensions of the lease on the Mercedes being returned. I was assured that I would not be charged overage miles because of the errors that caused the repeated extensions of the lease. However, when the new car finally arrived Mercedes established a new account, but added the old vehicle to it. The extra mileage was charged to this account and as a result, my car payments were applied to that balance and not the lease payment, as they should have been. This resulted in XXXX erroneous 30-day delinquencies appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (MI).
Issue: Problem with customer service

Complaint: Company Name : Protect My ID for XXXX members managed by Experian On XXXX XXXX, XXXX I received a email stating that my account with Protect My ID would automatically renew on XXXX XXXX, XXXX and my credit card would be charged {$89.00}. XXXX There is no way to remove your credit card information on the web site XXXX. 
After reviewing the cancellation policy on their web page I tried to contact their XXXX customer service telephone line to cancel my account. I gave up after waiting for XXXX hour and XXXX minutes. 
On XXXX XXXX, XXXX I again called the customer phone line an again gave up after waiting XXXX hour and XXXX minutes. 
As stated in their terms and conditions I then sent an email to their customer support email address. The following day they responded, against they 're stated policy in their terms and conditions, that they could not handle my request via email and I would have to call the customer service phone number. I waited until XXXX XXXX, XXXX and tried to call again. This time I was on hold for XXXX hours and XXXX minutes before I gave up. 
I have followed their terms and conditions and now have sent a certified mail letter that has been notarized to the address provided. 
This company is a scam. There is no customer service provided. I have received nothing at all from them during my year of membership. If I wanted a credit report or my XXXX score, I had to pay extra, above my yearly membership, for them. No notice of credit card, loan, or bank account activity has been received through the year either. 
If they go ahead and charge my credit card I will dispute the charge through my bank. 
From they 're web page : Cancellation : You may cancel at any time during your membership. To cancel your membership please contact us and ( i ) provide your first name and last name, XXXX ii XXXX the email address associated with the account you would like to cancel ; and XXXX iii XXXX the customer number associated with the account you would like to cancel. You may contact us in the following ways : Phone : XXXX Mail : ProtectMyID, Attn : Customer Care, XXXX. Box XXXX, XXXX, CA XXXX Email : support @ protectmyid.com This address provided is different XXXX they 're customer service address with is : MAIL : ProtectMyID.com XXXX : Customer Care XXXX XXXX XXXX XXXX, TX 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 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I pull my credit report and it shows the last payment on my mortgage XXXX/XXXX/XXXX and the account is closed. The balance is incorrect as well. 

I have called and reported to the credit bureau several times.

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 01-12-2017 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (NH).
Issue: Application, originator, mortgage broker

Complaint: XXXX XXXX XXXX My husband and I applied for a loan through Amerisave Mortgage Corporation and received a pre-qualification letter. 
XXXX XXXX XXXX We made an offer on a property in XXXX NH XXXX XXXX XXXX The purchase and sale agreement was signed by both parties. 
XXXX XXXX XXXX I brought the {$20000.00} deposit check, to be held in Escrow, to the seller 's real estate agent. 
XXXX XXXX XXXX The home inspections were complete on XXXX XXXX 2016, my husband and I were told by the bank that they had all the documents they needed. 
XXXX XXXX XXXX test results received. 
XXXX XXXX XXXX Received the appraisal report, however, since the appraiser did not complete both lots on the property and was required to complete both. ( Which was finally complete on XXXX XXXX, 2016 ). Amerisave continued to communicate stating all they were waiting on to close was the completed XXXX appraisal, and the fire chiefs signature for safety of the wood stove. 
-- -- -With this information we pushed past the original closing date of XXXX XXXX, XXXX -- -- - On XXXX XXXX, 2016 XXXX XXXX from Amerisave told us that they could not approve the loan due to our debt to income ratio being too high. My husband and I own XXXX properties in NC ( both have tenants ) We had moved all of our personal belongings ( which are still in storage ) We are now stuck without a home, and are staying with friends. 
The sellers had moved out and sold most of their furniture, our storage POD at the property had to be moved so the sellers could put the house back on the market. The sellers have hired a lawyer to keep our {$20000.00} deposit. 
Now due to Amerisave 's incompetence my husband and I are going to lose our {$20000.00} deposit, the {$890.00} spent on home inspections, the extra {$1000.00} to move our storage POD back off the property so the sellers could put it back on the market.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2016 about Mortgage (FHA mortgage) with LoanCare, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: On at least XXXX occations I made a payment for my mortgage to LoanCare via their website and the payment was never ran. Because the payment did not run I was then charged a late fee and my credit report was damaged. I am requesting that my account be moved to good standing and my credit report corrected. Attached you will find the statement from XXXX NOT reflecting the payments and also you will find XXXX email confirmations showing the payments were made.

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 03-07-2018 about Vehicle loan or lease (Loan) with Byrider Franchising, LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I got a car from XXXX XXXX XXXX and was sold a lemon when I first got the car. It went hot I paid to have it towed in to them to get fixed and 3 days later it started running hot again. They never did fix I had to ride around with water in my car until I could pay someone to fix it. I wrecked the car while driving it the front end fell off and I hit something come to find out they sold me the car with the front end zipped tide on to the front of the car I knew it was loose and asked them to fix but they never did when the car was wrecked I called them because I had insurance in it through them plus warranty and they never did send anyone out or have it towed the car sat for almost 2 months until my apartment complex had it towed now they have it on my credit report as a repo instead of it being wrecked I had no AC or heat they never fixed it the horn went out the door wouldn't open with keys I was sold a overpriced lemon and its not right and I had warranty yet they still didn't fix after it was wrecked after many calls and emails that I sent I gave up they didn't care the car was not a repo the car was wrecked and they never fixes it like they promised the car sat for almost 2 months they sold me a lemon I have pictures of the damaged car and emails that I have sent and screenshots of all my calls to them yet they never sent anyone to look at the damages or call me back or even send a tow truck. Now they have me down as a repo on my credit report making my score go low and unable to get another car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Loan modification package has been received by lender but sale date has not been postponed

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 08/16/2016 about Credit card () with SYNCHRONY FINANCIAL (IN).
Issue: Identity theft / Fraud / Embezzlement

Complaint: There is a fraudulent charge on my account that occurred during the time my account was serviced by XXXX. However, XXXX has been very helpful each time I have spoken with them and verified that the information and duties are now with XXXX for my XXXX XXXX XXXX card. XXXX was about to put me on a 3 way call with XXXX twice and helped me explain the situation, both of these times the representative looked at the account and then informed me that I needed to be transferred to another department. During both of these calls, as soon as the XXXX rep left the line the Synchrony rep became rude, then one of them transfered be back to XXXX customer service instead of the Synchrony fraud department as they said they were doing, the other said they were transfering me to the Synchrony fraud department and instead just hung up. They refuse to allow me to report the fraud that happened in the amount of {$3600.00} on XXXX/XXXX/14.

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 05/25/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I applied for a XXXX checking account provided by Citibank with a promotional bonus of XXXX Thankyou Points after meeting specific requirements. At account opening and ffter I finished the requirements I double checked with Citibank 's customer service agent and they all confirmed that I am eligible for receiving the bonus and it would be posted to my account 90 days after I finish all the requirements. However, it did n't post automatically and when I inquired through that system I got a response saying that they wo n't honor my bonus since I was n't targeted for the promotion. If that is true, they should n't have let me open the account, and should n't have confirmed my of the eligibility of receiving that bonus. This is a typical 'bait and switch ' activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (I do not know) with Liberty Loan Co inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Liberty Loan keeps contacting me in for a loan issued to XXXX XXXX. I have nothing to do with that loan and I want them to stop calling me ASAP or I will file legal actions against them. I have no ties with her and I want them to leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OR).
Issue: Other transaction problem

Complaint: On XX/XX/2018 XXXX XXXX dollars was with out my authorization charged to my debit card. Furthermore, XXXX dollars that I already had in my coinbase was also taken from me. 

Everyday since then I have reached out to coinbase through email, phone, and XXXX. They have done nothing to alleviate the situation or even given me acknowledgement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Incorrect information on your report

Complaint: XXXX XXXX, XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. I have attached two default notice 's I received from XXXX XXXX XXXX and calculated figures from two billing statements listed below. 

1. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$2800.00} 2. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$1100.00} The totalling of both balances above comes to {$3900.00}. These calculations shows I was delinquent on my mortgage of six payments behind.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am a victim of identity theft and recently after the equifax hacking someone opened a credit card with my information and charged several hundred dollars. Equifax sent my credit report but say I have to pay them to get my credit score. After all they have put me and millions of other consumers through we should not have to pay them anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: My XXXX mortgage was modified in XXXX under the HAMP program. The terms were 2 % for 5 years ( 60 months ) changing to 3 % on month XXXX. That month was XX/XX/XXXX. Ocwen 's statement due for XX/XX/XXXX reflected the change to 3 %, but the P & I amounts were incorrect. They did get the interest portion correct, but the principle was miscalculated. The balance on the loan before the XX/XX/XXXX payment was {$300.00}. The Maturity dateis XXXX. So that leaves 299 months left at 3 % which yields a new Principle of {$680.00} and not the {$720.00} as written on XXXX 's statement. I spoke to XXXX at Ocwen ( her number is XXXX and at option XXXX enter ext # XXXX. When she called me back around XX/XX/XXXX she asked for copies of the modification agreement, which is not my responsibility to supply to them. They bought the servicing, they should have a completepackage. Further, if they correctly changed to the 3 % on the correct month ( XXXX month ) why do they need any documents, they simply just erred in calculating the correct principle. 
When I paid the mortgage on XX/XX/XXXX online, of course the website would not accept a smaller payment at all. So I paid the higher amount of {$1900.00} instead of the correct amount of {$1900.00} ( an additional burden of {$39.00} due to their mistake. Considering XXXX admitted to me that I was right, she claimed Ocwen could not change the terms without proper documentation. Well, How did they arrive at the correct 3 % amount ... its all stupid that a servicing company can not compute a simple change in a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I have tried to refinance my mortgage with BB & T for the last 3 years and am not successful. 
In 2008 the value of my property dropped below the loan amount so I did not quality for refinacing. The property is not marketable with the loan above the loan value. I have looked at the haarp program but my exusting loan was closed two months before I would be eligible for the XXXX program. I have had a law firm helping me, XXXX XXXX XXXX firm, but they have not helped at all. 
I have retired since purchased this home and my total income is from SSI of {$1600.00} per month and my payment are {$910.00} per month. I have continued to make payments but they are very steep for me. If I could refinance with a interest rate of 3 % my payments would be reduced around {$200.00} which would be more affordable at this time. I would like to keep the home and stay here but with ssi not increasing this year and inflation still going up at 3 % it will be a matter of time before my home will not be affordable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: In XXXX I requested my XXXX free reports, and was told my info did n't match, so I would have to request them by filling out a form. I did this, and XXXX of the bureaus sent my free report, but Experian responded that they could not identify me, and that I should send them a copy of my state ID card and my Social Security card, which I did in XXXX 2016, but I never received my report from Experian, nor any response at all after I sent them the requested documents. I tried calling their customer service number, but wading through their phone tree does n't get me to speak to a live person, so I have no idea what to do. I really need the report, because I believe it is incorrectly showing a student loan as unpaid.

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 03/29/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I entered credit counseling to consolidate and pay off my debt on XXXX/XXXX/XXXX and made monthly payments until XXXX of XXXX. At completion I received notice that I had completed the program and that they debts were paid in full and that notice was also provided to the creditors. As a side note I do know that payments were made to the creditors as I recently received a repayment of overpaid interest from another account. I have disputed the debt with LVNV/XXXX multiple times, most recently in XXXX of XXXX. XXXX again it was deleted. While applying for a mortgage I discovered that the debt was incorrectly being reported again as an active collection, despite having provided the evidence of the credit counseling program, and successful completion. The evidence sent showed the correct account number, and debtor. I also received a letter from the collector that despite matching account number and documents showing completion was insufficient evidence, but did not provide any evidence the debt is still owed.

Company response to consumer: Closed with explanation