milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST HAWAIIAN, INC. (GU).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I received a letter from First Hawaiian Bank reference CFPB case # XXXX. The bank stated there was insufficient funds in my checking account onXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, to pay my car loan. My First Hawaiian Bank auto loan is routinely paid by monthly automatic debit from my FHB checking account on the XXXX XXXX of each month. In this complaint, I provide a copy of my bank statement which shows that my checking account balance on the XX/XX/XXXXwas more than {$1000.00}. My direct deposit of {$3400.00} was deposited on XX/XX/XXXX and dwindled to {$1000.00} by the morning of XX/XX/XXXX. By the end of the day on XX/XX/XXXX, My checking account balance stood at {$630.00}. The bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. The balance in my checking ex

ceeded {$500.00}. On the morning of XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited into my FHB  checking account bringing the total amount of funds available to {$2400.00}. From XX/XX/XXXX until XX/XX/XXXX, my FHB   checking acc
ount balance remained between {$730.00} to {$2400.00}. The bank again had ample time to deduct {$500.00} to pay the auto loan since my account balance exceeded {$500.00}.

On the morning ofXX/XX/XXXX, my bank statement shows a balance of {$2100.00}. The bank again failed to withdraw {$500.00} to pay my FHB car loan. On XX/XX/XXXX, a second direct deposit of {$1700.00} was deposited to my FHB checking bringing the total balance to {$1800.00}. From XX/XX/XXXX until XX/XX/XXXX, My FHB   checking balance remained between {$560.00} and {$2100.00}. Between XX/XX/XXXX, the bank had ample time to deduct the {$500.00} automatic debit to pay my Auto loan. Upon realizing the banks error, I immediately made two payments of {$500.00} on my FHB Auto loan.

The bank negligently failed to initiated the approved automatic debit to pay my auto loan, although funds were clearly available, and then made a false late payment report to the three credit bureaus. I want First Hawaiian bank to immediately remove the false late payment from my Auto loan payment history and to restore my excellent payment history to the three credit bureaus. My attached bank statement is evidence above and beyond a reasonable doubt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Debt collection (I do not know) with National Enterprise Systems, Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We have repeatedly for months received phone calls from XXXX XXXX XXXX x XXXX regarding debt collection. I returned the call the first time they called and found out they were looking for a person not associated with us or our phone number. I was assured we would be removed from the calling list. This happened again, again I was assured we would be off the list. We are receiving continual calls. I called them back today, they claimed to have nothing on file with our request - a lie on their part. The name of this firm is National Enterprise System. This company can not seem to understand that the person they are looking for has no tie to us.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal financial information was comprised by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with First Step Group, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This debt was discharged because of the age of the debt in the State of Maryland. The original debt was from XXXX XXXX and it has been many years since it became aged out. The company First Step Group and XXXX XXXX XXXX is continually calling and sending demanding letters asking for payment. Then in small letters at the bottom it says because of the age of the debt they can not sue or report it to credit reporting agencies. Yet, I think it would be odd if the law allowed them to harass me to the end of time. If the State of Maryland has said the debt is old and I do not have to worry about it anymore that is just what I have done. They bought this debt for pennies on the dollar and that does not give them the right to try and bully me into paying them, which I am not. I would like you to reach out to them because this company is breaking the law in the State of Maryland by trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In late  XXXX  of  XXXX  I attempted to obtain a VA loan and was denied because I had a federal student loan in default. After I received all of the denial paperwork I contact ed Nelnet multi ple times informing of the incorrect reporting and had sent my credit report and an e-mail requesting for this to be looked into and corrected because this had caused me to be unable to buy a house. This company began incorrectly and negatively reporting me in  XXXX  when I was in the military and I did not sign up for any student loans. They were only reporting me to  XXXX .     The last I spoke with an individual from the company, he was looking at my credit report from the e-mail I sent and was discussing the situation and how it was to be resolved while I was on the phone with him. Now  two months later I went a looked at my credit report to verify that this situation had been resolved and was astonished that it was not and they had now begun negatively reporting me to all three credit bureaus. When I called this morning, I spoke to a manager there who stated they had notes of my last conversation, however, they were missing the documents in which I told him that could not be possible since I last spoke with someone they had them. I have resent them and have r equested for them to call back with the verification and receipt that they were received yet again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Billing disputes

Complaint: I purchased a round-trip ticket from XXXX XXXX on XXXX XXXX, 2015 using a credit card ( card # XXXX ) from Capital One. On the return leg of the trip, XXXX XXXX required me to pay a baggage fee, which I did using a DIFFERENT credit card ( card # XXXX ) from Capital One. The trip was then canceled and XXXX XXXX eventually refunded some of the monies ( about XXXX % of the round-trip ticket ) onto the original card to purchase the ticket. When I tried to get a refund for the baggage fee on the OTHER credit card, they could n't find the purchase in their computer system and nothing was refunded. I then disputed the purchase to Capital One. 

Capital One took my complaint, but then denied my refund since XXXX XXXX said they refunded the baggage fee onto the other card, yet they could n't find the baggage fee on their computer system when I called to ask for a refund? They also denied it because I did n't provide a refund receipt, which I never received from XXXX XXXX. Since XXXX XXXX has that data, should n't they be required to either give it to me in the first place or supply it themselves? I also want to know how an XXXX like XXXX can say they refunded monies to a credit card that was n't even used to pay for the baggage fee originally? Since I used card # XXXX to pay for the baggage fee, how can they say they refunded the baggage fee money to card # XXXX, even if that card was used to purchase the original ticket but not the baggage fee? 

Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/17/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a Macy 's card funded through Citibank. I travel a lot for my job and on a few occasions I have missed a payment on the card which incurred a late fee. In an effort to avoid that, I set up the payment to be taken automatically from my checking account on the XX/XX/XXXX of every month, the due date of the card. Recently, I noticed that the balance on the card was not going down and after carefully inspecting one of the statements, I determined that I was being charged a late fee. I called the company and they put me onto the Credit Department, who advised me that my due date was changed to the XX/XX/XXXX of the month and that an advisory was sent via e-mail. In addition, it was determined that I have been charged a late fee since XXXX 2015. I received no such advisory regarding a change in due date and I would like all late charges refunded to my account including all associated finance charges from that period. This is more than {$1000.00}.

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 10/30/2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Please can you help me? 

XXXX have send me an email that they will send my transferred XXXX euro back to my bankaccount because they could not verify the name of my bank. XXXX Very strange because I send more than ones money from my bank account to XXXX. XXXX promised me in an email from XXXX XXXX XXXX to send the money back. But XXXX months later and lot of emails nothing send back or put it correctly in my Coinbase EUR wallet. 

I am desperate and I do n't know what to do. 

My name is XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my report : Unauthorized inquiries & Wrong status in open account

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 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I called about the inquriy issue with Transunion a week ago. I have several inquiries that were added to my report because of the error that occurred with their system. I was told it did not apply to me by the customer service representative, and I was given no clear explanation of why. 
Best regards,

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 09/30/2015 about Credit reporting () with NRA Group, LLC (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Information on my credit report was not mine. This information was disputed with all XXXX credit bureaus. Contacted National Recover Agency that owns the debt from The XXXX XXXX on XXXX/XXXX/2015. Explained someone with the same name has information on my credit record.The first representative was rude and hung up on me. Called back and they stated to fax a nature of dispute to them and I did. I could tell from their attitudes this was going to only be resolved by me doing the work. 
I immediately called original debtor the XXXX. We discussed my information and realized it was not mine. They stated they deleted account and would email National recovery agency. 

The following day my credit monitoring from transunion stated National recovery verified the debt to remain on report. I called back to find out they recieved the information at XXXX that this was not my account. They still went ahead and verified debt. The attitude was they will remove it when they get to it. The information was verified not mine, with confirmation email. They still have not removed it as of today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I transferred cell phone service from one provider to another. The new provider was to reimburse the money and can pay the outstanding balance to the previous provider. I made payment arrangements with XXXX and was paying the arrangements. After I made my last payment to XXXX, I started to get calls consistently from Diversified Consultants XXXX. They were rude, I explained to them I had no debt and had pay XXXX off. They told me I was lying and the debt needed to be paid. I even called XXXX and asked them to make this collection agency stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
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 hired XXXX XXXX to make monthly payments to all my ceditors and in XXXX of XXXX I was sent a notice form Capital One that I was late 30 days. I called XXXX and submitted a dispute to XXXX and I have not been able to remove that late payment nor XXXX XXXX was able to either. I pay my portion To XXXX each month and they pay my creditors the same day every month, no reason to have a 30 day late Credit Card payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Someone used my name to register an account for XXXX ; however, I was NEVER associated with XXXX ever before. I think the person who did this likewise deactivated his or her account, so an account balance accrued. My phone provider is XXXX, and I NEVER transfer to any other carriers since I started using a mobile phone.

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 03-11-2016 about Debt collection (I do not know) with GEMINI CAPITAL GROUP, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Gemini Capital are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I tried requesting lower payments, on XXXX or XXXX of my loans, but was right away denied and told they do n't do that cause it 's a private loan. Also feels like I 've been paying forever with very little of my debt paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Consumer Loan (Installment loan) with RFNA, LP (GA).
Issue: Problems when you are unable to pay

Complaint: On XXXX XXXX/XXXX/2016 I took a personal loan with Republic Finance located in XXXX, Georgia. My payment history had been satisfactory with them. During the months of XXXX I requested to change my payment date at which I was required to enroll in an automatic payment plan that drafted my payment via ECH. I submitted the form and waited for new payment date of the XXXX but no draft came out. I contacted Republic Finance and they stated they never received a payment from me nor did they receive my payment notice for ECH. An additional form was submitted in the month of XXXX and the receipt that form was confirmed with a customer service rep. On XXXX XXXX a payment was scheduled to draft for both my XXXX and XXXX payment but never came out. I contacted Republic Finance and was provided with the same story that they never received my draft request even after I confirmed it was received. Because of this it put my account in jeopardy of being delinquent and being reported to the credit bureaus. I contact Republic Finance several times but instead of helping me they requested payment. In XXXX I contacted Republic again to make a payment and I was informed that I could no longer send them personal checks for payments because I had two previously returned payments. They stated that I would have to pay them in cash or money order. I refused and asked where that was stated in my loan contract. At that time I was informed that it was a company rule and that it was not established in the loan contract. Republic told me that it was a corporate rule and that it would be enforced. When I told them about contact a government agency they then agreed to let me send a check. Over the past two weeks Republic Finance has been calling me repeatedly over six times a day with the use of an auto dialer to request payment. Earlier this week I sent a request for them to contact me via US mail and that a payment in the amount of {$550.00} was sent to them via mail. They stated that they refused to take the payment and it would be rejected. Shortly following I received a letter acknowledging my request and a letter stating that they would work with me to bring my account current. They Republic Finance was made aware of the check sent through the mail again via phone call but shortly after I received a send letter requesting the balance in full within the next ten days. This made me review my loan contract at which time I observed that the new loan contract was never signed by the lender or myself. All the signature lines are blank.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Caliber offered a permanent modification, it was signed, notarized and sent back on XXXX XXXX, 2016. On or about XXXX XXXX, 2016 the payment was increased by about {$150.00}. When Caliber was questioned about this on XXXX XXXX, 2016, the customer service representative said it was because of an escrow shortage. They also said that an analysis was done in early XXXX, so the analysis was requested and the rep said she would not send it out. She finally relented and said it would be sent out, but to this day the analysis has not been received. It was questioned as to why the shortage was not included in the monthly payment or the balloon payment, the final mod was offered XXXX XXXX, 2016, but when that question was posed, the rep abruptly ended the phone call. Now the payment has been decreased to the original modification monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015 and in an earlier Qualified Written Request ( QWR ), both Congresswoman XXXX ' office ( via XXXX XXXX XXXX ) and I inquired in writing about who in fact is claiming ownership to my loan and under what authority was Select Portfolio Servicing ( SPS ) given the right to service the questionable loan. In a letter dated XXXX XXXX, 2015, SPS again did not provide written proof of their financial or legal interest they are claiming they have in my property. 
Upon researching recorded documents at the XXXX County Recorder 's Office, the Mortgage-Backed Security ( MBS ) SPS cited in its correspondence ( XXXX XXXX Trust XXXX ) as connected to my home ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) does not exist within any records submitted to the XXXX XXXX XXXX Recorder 's office. It does not appear on any documents connected with my residence. More important, this MBS ( XXXX XXXX Trust XXXX ) does not exist within the records of the Securities and Exchange Commission ( SEC ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Account opening, closing, or management

Complaint: I have XXXX accounts. XXXX ending in XXXX : I have been charged a monthly fee of {$25.00} with no notice or advisement that there would be a charge for anything. I have no idea why it 's being charged after 15 years with the bank. I have emailed, and received no response. They only response I get is to call. I do n't believe it is legal to make me call as I would like their response in writing. 
Account ending XXXX : The account was charged an Overdraft fee of {$35.00} due to a {$10.00} recurring charge at should have been cancelled with the merchant. Since it has been worked out with the merchant, I wo n't be disputing it. I immediately paid the {$10.00} charge the very next day after it was charged, and emailed to request this be removed. However, I received only another {$35.00} charge. Now the account is $ XXXX overdrawn due to less than a {$10.00} charge that was immediately remedied. I emailed them about this, but the same thing, they are saying they will not address this unless I call. I no longer trust this bank, and want everything in writing. I do n't believe it 's legal to make me call them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief