milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kinum, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2014 I secured the services of an attorney and provided a XXXX retainer, with no agreement, written or verbal which would authorize or permit the attorney, under any condition or extenuating circumstance, a blank check in which to exceed the retainer and bill for non-approved services. Upon discovery, on the day of XXXX XXXX, 2014, the arrangement for services were terminated with cause by the client. Shortly thereafter, the client received a bill from the attorney in the approximate amount of XXXX for non- approved charges which exceeded the retainer. The former client contacted the attorney, a discussion ensued and the client requested the refund of a portion of the retainer based on the reasons for the termination and further advised the attorney the non approved charges would not be paid. The attorney fully aware of the condition of the arrangement of services forwarded the account to a collection agency demanding payment for unearned, non-approved, billed services. To date, the former client is continually forced to tolerate the violating behavior of the collection agency in carelessly accessing his personal identifying information via skip tracing methods, harassing calls and voice mails, in their persistent attempt to collect full payment of an invalid, 2yr old account. An itemized bill provided by an attorney for unearned, unapproved services is not a contract and is therefore not enforceable. No legal agreements were signed by the client. The supporting documentation in possession by the client consists of privileged email communications between the former client and attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I mailed a dispute request to Experian Credit Bureau with last XXXX of my social security number typed with state issued picture id and check stub and was told that my social security number was illegible and to resend all the info that I had already provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2016 about Consumer Loan (Vehicle loan) with PNC Bank N.A. (MT).
Issue: Managing the loan or lease

Complaint: I have never been late on my loan, yet they are reporting me late, dragging my credit score down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NC).
Issue: Struggling to pay mortgage

Complaint: Numerous automatic calls from Wells Fargo Home Mortgage every hour on the hours a day.

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 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: On XX/XX/17 I sent .XXXX BTC from my XXXX account to my XXXX account. It was completed on XXXX part and sent to XXXX/Coinbase. My Coinbase account said that they received the BTC and supposedly sent it to my XXXX account. It even says that its completed. However, on my XXXX account I have no BTC and no history of the transaction. And there is nothing nothing on Coinbase either. I have tried messaging every day for the past week and have received no reply from them even acknowledging the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I put in for the income based program, and was told that I did n't qualify, I then resubmitted months later after being late and defaulting and was granted XXXX payments. But, they also failed to tell me that my did n't cover all my loans through them after I had asked if all my loans were out of default now.. I recently noticed that it has happened again, only half of my loans were covered and I specifically asked if all would be .. With this being said I found out this time by a bill in the mail stating I had past due payments, so once again I am having to call them and get this corrected. I have late payments on my credit report because of this and my scores had dropped substantially. I wrote have written letters of goodwill to try and get these removed as a last effort to save my credit and have not received a response. Any help in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with KEYCORP (OH).
Issue: Getting a line of credit

Complaint: I went into Key bank on  XXXX  and  XXXX   XXXX  in  XXXX  ohio  XXXX   XXXX    XXXX   and asked  XXXX   XXXX  about personal loans and lines of credits. I told her I had a  XXXX   credit score  and she told me that did not matter, made me fill out an application then called and denied me for not having a  XXXX   credit score . This was deceptive becuase I would have never had a credit pull if she told me a  XXXX  was required. Now my score is even worse due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (SC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2015, I logged into US Bank 's website, and scheduled a payment for {$1700.00}, which is customary. The payment was scheduled to be delivered on XXXX/XXXX/2015, which is within my grace period. The bank XXXX the payment in the online form, which caused {$3400.00} to be debited from my checking account. I did n't pay close attention, and actually authorized the payment. The bank refunded the 'official ' late charge by using the one-time-life-of-loan-late-charge-forgiveness, but I still had to pay US Bank a {$20.00} return check charge, and an additional {$5.00} 'processing ' fee for making a payment XXXX days past the due date. In addition, I had to pay a {$29.00} insufficient check charge to my own bank. 
This month ( XXXX ), I again scheduled an on-line payment on XXXX ( today ), to be delivered on XXXX. This time, the bank did not XXXX the payment on the online form. 
I believe there is a flaw in the bank 's online payment system, but they refuse to acknowledge it and refund the {$54.00} fees. 
Additionally, they have started a practice of calling me and wanting to know when I am going to send my payment, even though I am still within my grace period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2016 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit determination

Complaint: I 've been listed as additional user on a citicard since 1992. My dad ( primary account holder ) added my brother and I when we were young ( XXXX ), for unexpected expenses while traveling, etc. I have n't seen or used the card in over 10 years, and assumed the card no longer existed. My brother still has his card, and accidentally used that card ( instead of his normal CC ) for an {$850.00} charge in XXXX. My dad was travelling all XXXX, and did n't get the bill, thus did n't realize anything was owed. He learned of the issue 60 days after the due date, and immediately made full payment. Despite XXXX year history of 100 % on time payments, citicards dinged all three of us with the credit agencies. In summary, my credit rating ( with no blemishes prior to this ) has now been dinged because of an fluke event related to a card that I did n't even know still existed ( I threw away my card over 10 years ago ). I was never contacted by citicards at any point about the issue. It is extremely unfair for them to ding my credit without giving me any notice that I had an outstanding liability. I 've never been late on any payments of any type. Despite my best efforts to solve directly with citicards, they refuse to even let me discuss the issue with anyone with capability to revise the credit issue as currently reported to the rating 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 non-monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: TransUnion and XXXX Credit Reporting Agencies are not reporting my current credit information to those that are requesting credit information from me, who I have allowed to gain such information to obtain a service from those requesting credit information. Also, I have sent by mail via certified receipt numerous of time to have my personal information change to current information and to correct and update all discrepancies in my credit report. 
Please, I would like my credit report from all credit report agencies to report current and accurate credit report about me. Please, advice. Thank you.

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 12-12-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION ().
Issue: Settlement process and costs

Complaint: I did refinance with Bank of America back in early 2015. The refinance has approved and we have paid all the fees, notary fees and also singed all the closing documents with title company. We were told by the title company that the loan has funded after we carrier back the closing documents and we spend total around ( {$4500.00} on all the total costs, notaries, title insurance, wiring and others etc have done XXXX due to the mistakes they have made ). 

However, the refinanced loan never got funded and we questions about it but the bank of American told us that his boss " XXXX XXXX '' will contact us and have the leave the phone number -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX, XXXX email below : XXXX, XXXX & lt ; XXXXXXXXXXXX & gt ; Wed, XXXX XXXX, 2015 at XXXX To : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; My manager is XXXX XXXX, you can contact her at XXXX ext XXXX. Thanks -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have write a numerous emails and also phone calls ( phone call always in voice mail ). I have left a message but so far no response from them and my loan never get funded without giving reasons Thanks XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I never got a mortgage with Wells Fargo Home Mortgage and I request them to provide a contractual agreement ( mortgage ) as proof I applied or have a mortgage with them. Not address or statements is not proof actual contract. 



Highest Balance {$140000.00} mortgage balance opened date XX/XX/XXXX closed date XX/XX/XXXX term 360 months Monthly Payment {$1300.00} Date of last payment XX/XX/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 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (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 asked the Experian to verify a number of accounts that were on my credit report on XXXX/XXXX/XXXX. I sent another letter to the CEO of Experian on XXXX XXXX, XXXX and mailed another certified letter on XXXX/XXXX/XXXX ( Second Request ) and received a letter dated XXXX/XXXX/XXXX from them stating that they will not reinvestigate my dispute because my request is frivolous. They stated the accounts were verified but provided no documentation or evidence. I have called in several occasions to delete these accounts and were denied. My next step is to start litigation against Experian.

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 12-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with VALLEY NATIONAL BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Valley National Bank informed me that the interest only period would end XX/XX/XXXX. 
Payment to go from XXXX to XXXX ( or there abouts ). I sought their help in reaching a modification agreement and submitted their application along with all the income required documents. XXXX XXXX XXXX communicated with me several times via email with additional requests or to communicate questions. On XX/XX/XXXX, I received a denial of modification with a one line statement as to the reason : Sufficient income ... 
Using the same established means of communication, I requested a more elaborate explanation as to how they came to that conclusion. My emails went unanswered. On XXXX, I used your template to request information. I explained again, that I need a more elaborate explanation in order to have a chance at an appeal. As of today, nothing has been received. Further the above servicer will only tell me that the loan owner is a trustee with XXXX XXXX. I also asked that they provide proof of communication with that trustee owner. Please intercede. 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 10-05-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: It has been more than 60 days since I wrote to experian and I have not received any status of my request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Received TRANSUNION credit file # XXXX dated XXXX/XXXX/XXXX and noticed that ( 1 ) XXXX has been reinserted ; ( 2 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account ; ( 3 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 4 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 5 ) XXXX Bank was deleted and now reinserted, also reported in remarks as " Bankruptcy Dismissed ''. As stated in attached letter, these accounts were never incorporated into original bankruptcy file. Bankruptcy ( Public Record ) was deleted from file in XXXX. TRANSUNIONs ' data does not warrant these accounts being reported as adverse accounts.

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 07/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: American Express - I always keep a well paid balance 's in on my personal and business credit reports.
I had one personal and another business credit card. XXXX 2015, I closed both, and paid off the personal account approx 4,000 Dollars, and requested they provide proof of the business account was mine, approx 3,000 Dollars owed. They resisted to provide it to me, and for month 's diverted the calls to another department, in XXXX and collections agency. I communicated with the debt collection agency about my concerns, and American Express eventually provided Bank Statements in XXXX of 2015- I called AMEX Headquarters in XXXX, and XXXX XXXX to discuss and they still resisted to show me the business account belonged to me, and that I was in fact responsible for the balance. When the balance showed up on my personal credit report, I acted straight away and paid if off in Full. I 've used various methods Lawyers, Reporting agencies to try and resolve this matter on my reports. I need to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have been trying to work with Navient to work out a payment plan that I can actually pay, and every time I talk to them they give me an outrageous amount that there is no way I can pay. After a lot of discussion and supposed misunderstandings on their part, they finally say that they can put the loan in forbearance for a few months. And If I 'm a day late contacting them or making the payment, which is still at the high payment that I 've told them I ca n't pay, they call at least once a day, myself and my husband both. The report monthly on each separate loan to the credit bureaus, a total of XXXX separate small loans. This is the third time I 've tried to work out a plan, I did n't realize until very recently that this is a common practice of theirs. I do want to at least attempt to get this paid off, but right now I have the only income, my husband is still recovering from a pretty bad accident last year, and we have the medical bills to try to pay off, too, so I do n't have a lot I can pay, but I would like to do what I can. But they just keep giving me a loan payment that is completely out of my ability to pay - which is over half of the household income - and putting my loan in forbearance, accruing more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This appeared on my credit report. I have not had XXXX XXXX in over 2 yrs. Have not heard from them since paying the final invoice 2 yrs ago, and now they have a debt collector reporting me to the credit bureaus. 
I owe them nothing

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 11/29/2015 about Mortgage (Other mortgage) with TIAA, FSB (NV).
Issue: Loan servicing, payments, escrow account

Complaint: i had lost my job and was trying to modify my mortgage loan. i had requested and filed my paper work to my mortgage company and month after month they said they did n't get my paper work so i had to start the process over, while going threw a modification ever home wont except any payments so i was falling behind on my payments.after about 2 years i figured out that they was n't going to help me they just wanted me to lose my house. i looked for help with fannie mae where they did help me keep my home. my problem now is i have many late payments on my credit report and would like to see them gone is there something i can do

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This is my second complaint about the same investigation that equfiax has claimed it verified with a debt collection company that i had filed a complaint on with CFPB Complaint number XXXX which Equifax claims is correct and was verified. However, XXXX was unable to verify the information that Equifax claimed that trident verified. They did n't even show proof of verification other than a statement they verified it with my name and social which was a lie since trident was unable to locate any of that info. I will attach my Equifax credit report, my original complaint XXXX which Equifax lied about that they verified, and my complaint against trident in which they admit that this was incorrect and have requested deletion off my reports with cfpb complaint number XXXX. I demand they remove this item off my credit report and review their so called " Verification Procedures '' which obviously are not true.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Credit card debt) with Zenith Financial Network Inc (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a letter from the company stating that my payment at XX/XX/2017 was going to be {$110.00} and I was charged {$120.00}. <P/>I have copies of the charge on my bank account and also a copy of the letter that the company sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with CIT BANK, NATIONAL ASSOCIATION (FL).
Issue: Closing on a mortgage

Complaint: CIT BANK NA The company sold a property that I was a co-owner and I was not notified of the sale. 
The property was re-financed onXX/XX/XXXX for {$240000.00}. It was then sold on XX/XX/XXXXfor {$290000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: Master Gift Card for {$200.00} issu ed by US Bank National Association was  purchased in  XXXX   XXXX . I realized th at the card has some fraud charges for around {$60.00} and hence I reported this to the Dispute Dep artment in  XXXX   XXXX . I was mailed replacement card for the balance amount but even after regular follow-up f or 3-4 mo nths the company never acknowledged the status on the disputed charges. In  XXXX   XXXX  I was told that I had not submitted the documents for both the fraud charges and hence I had to fax the info. I faxed the info in  XXXX  and was told that the transaction was denied due to delay in submitting all the documents. I need  US Bank to look into this issue urgently as this has been going on for more than 7 months now.

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