milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with ERC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Between XX/XX/XXXX to XX/XX/XXXX I moved to a townhome and the townhome was offering free cable, so I did not transfer my services with a company called XXXX XXXX XXXX. Between the time mentioned above I went in person to the XXXX XXXX XXXX on XXXX to turn in two cable boxes and 2 remotes. A female customer service employee took them and put them aside. Ask my name and said okay thank you. I left and thought nothing of it. I then saw that XXXX XXXX reported to the credit bureaus in XX/XX/XXXX that I owned them XXXX for services. I disputed the charges for 2 years until finally it was resolved and investigated in XX/XX/XXXX and XXXX XXXX removed it from my credit reports. It appears that XXXX XXXX sold the account or somehow maybe a mistake it was sent to a collection agency again and now they are saying again I owe XXXX. We took care of all this with the dispute in XX/XX/XXXX. Now it ' [ s coming out again and I do not owe this amount. I would like this off my credit report again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (UT).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: American Express and XXXX XXXX keep reporting negative remarks on my credit report. My Chapter XXXX was back in XXXX 2011. When I do get it removed it comes back in a month, especially if I apply for a loan. I feel this is unfair and abusive power that they have with credit agencies. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Mortgage (Conventional home mortgage) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Closing on a mortgage

Complaint: We had applied for a loan for a 2nd home that we were going to rent part time. Our mortgage lender went ahead with the 2nd home mortgage and we closed XXXX XXXX 2017. The closing at the title company took about 20 minutes in which we signed or initialed about 50 times. After we got home we went through paper work and noticed a " 2nd Home Rider '' page that states the loan will be in default if we rent it. I called and emailed the mortgage lender the next day and he said the company does not offer investment home loans, if we wanted to rent the home we would need to go to another bank. This is going to cost us around {$2500.00} dollars to refinance with another bank. 

We want to be able to rent this property. We made that clear during the lending process. 

This compliant is being made against BMO Harris Bank. Our mortgage broker was 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 explanation
Consumer complaint received 09/16/2015 about Credit card () with CITIBANK, N.A. (TN).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/2015 I purchased a washer and dryer on my Sears Credit card from the Sears in XXXX, TN. My purchase included the washer, dryer, washer hoses, dryer vent, dryer hose, stacking kit, delivery and installation. I was in the process of remodeling my laundry room, so I set the date of delivery for XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX deliverymen brought the hoses, vent, and cord, nothing else. After a call to the warehouse, the store, and the XXXX number, it seems someone rescheduled without informing me. Then it was later discovered that they did n't have the stacking kit. I proceeded to reach out to Sears again via phone and social media on XXXX/XXXX/2015 and finally managed to get the washer and dryer. I was informed I 'd have to make further arrangements to complete my order and installation ( setting up the appliances with the stacking kit ). I 've had no contact until I called the XXXX number today. First they tried to lead me to believe my order was complete. When I corrected the info, I was put on hold. The woman came back on and said my part was at the store and that I could call there. I have since called someone I believe to be the manager in the appliance dept, Sears at XXXX and explained what was going on. He has yet to call me back. I used my Sears card and have been making my payments on something that I purchased on an obligation that has not been fulfilled. I 've been fulfilling my end of the bargain by making my payments and would just like Sears to do the same by completing my order and installation. The run around I have received is ridiculous and their handling of my order has been unsatisfactory. I 'm hoping that maybe someone outside of Sears inner circle may be able to assist me in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiries were disputed several times to equifax and they will not remove them. XXXX XXXX, XX/XX/XXXX ... I applied for my account with them in XXXX. No requests were made in XXXX XXXX, XX/XX/XXXX ... no idea what company this is XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... I applied for a job with them, not for credit

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (MO).
Issue: Managing the loan or lease

Complaint: I got a vehicle loan at XXXX XXXX XXXX XXXX XXXX, in XXXX, MO, which was financed through Wells Fargo Dealer Services, on XXXX XXXX, 2015, according to my loan documents. I called yesterday, to try to make the current interest payment and a {$500.00} principal reduction on my loan, but Wells Fargo does n't have any record of the loan in their system yet. I called the dealership, and was told that the loan has n't been completely processed and funded yet, and that my payment is n't due until XXXX anyway ( which is utterly beside the point ). I called back to Wells Fargo and asked if I could make a payment, using my name and SSN, and have it applied with an effective date, once they receive the paperwork. I was told that they could not do that because the loan may not even go through them. I offered to send her a copy of my documents showing that Wells Fargo was the lender, and she said it did n't matter because they had no record of the loan. I asked if I was the accruing interest, since they did n't have the loan yet. I was told that the loan would be accruing interest as of the date of the contract, but it did n't matter, because the interest charge was calculated on the date of the loan. After explaining interest accrual to the nice young lady, and how principal reductions affect the accrued interest, I asked to speak with a manager, and was told the same thing by her. They will be charging me interest from XXXX XXXX, but as of XXXX XXXX, they are refusing to accept a payment, which would reduce my daily interest. At this point, the difference is only {$0.00} a day, but if you take that XXXX cents times all of Wells Fargo 's customers, they could be making a pretty sizable chunk of change over the course of a year. I 'm also going to be receiving a good-sized check from my insurance company for the replacement cost of the vehicle we totaled, and will be wanting to apply that to the loan also. If they are n't in any hurry, because my XXXX payment is n't due until XXXX, I could be out a good amount of money by the time they decide to process my loan. As someone who works at a bank, I know that there are consumer regulations that state how loan payments have to be applied, and that it has to be done in a timely manner and such. Since they 've not actually " funded '' the loan yet, am I just stuck in no man 's land? What recourse do I have?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Student loan taken out. I 've never been to school

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (Other debt) with NCC Business Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: NCC Business Services, INC has failed to validate this alleged debt but has continued to report it to XXXX, XXXX and XXXX. This is a direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit decision / Underwriting

Complaint: I refinanced my home equity line of credit with Bank of America in XX/XX/XXXX. This year they contacted me to advise that under a new program I can qualify for a lower interest rate. I applied. In XXXX they advised that they were not able to approve the application because " loan to collateral value ratio exceeds lending guidelines ''. Verbally I was told that I could qualify for {$40000.00} less then my present balance. 
I assume they are saying that my house went down in value at least {$40000.00} in XXXX year since they refinanced me in XX/XX/XXXX. The property was reassessed for XX/XX/XXXX by XXXX XXXX XXXX, and the assessed value increased by thirty-three percent ( 33 % ) since the last reassessment. 
I write to Bank of America on XX/XX/XXXX, to request information as to how they can justify their determination. To date I have not received a response.

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 10-06-2015 about Student loan (Non-federal student loan) with URS Holding, LLC (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My XXXX assist loans are in default after XXXX refused to work with me. They are currently held by a collection agency who is asking me, even higher minimum payments-that I can not afford. They are also refusing to send me any agreements in writing unless I give them my banking information. They are harassing me at work and on my personal phone, disturbing my work.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Debt collection (I do not know) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The last correspondence I sent this company on XX/XX/2016 pertained to a demand for validation for the referenced accounts. r They failed to provide me validation of the accounts and at the same time persevered with reporting them on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Bank account or service (Checking account) with ZIONS BANCORPORATION (NV).
Issue: Problems caused by my funds being low

Complaint: I have a checking account with Nevada State Bank in XXXX, Nv. I stopped using this account because I thought the bank 's service was very poor. I did not realize that I still had an auto pay for my insurance. By the time I found out that I was overdrawn I had over {$260.00} in fees and there was no payment made to my insurance company. A basic charge for XXXX overdrafts and a daily fee which would have continued had my insurance co. not contacted me. I was never contacted by my bank and was told this was only a courtesy and they did not have to contact me. No call no letter, nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: On XX/XX/2017 I purchased XXXX bitcoins for a price of {$300.00} through a company called Coinbase. At most the company claims delivery can take up to 10 days. After a week of not receiving my bitcoins I emailed Coinbase support. After almost two weeks they replied asking for a screenshot of my purchase status which still said " Pending ''. Keep in mind the funds were long taken from my bank account. Replying the same day I was later informed that my situation was being handled by a specialist. After not hearing back for another week I asked for an update and I never heard from Coinbase again. 

I attempted to submit a claim through my bank but because the transaction was " authorized '' they said they couldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Consumer Loan (Installment loan) with RFNA, LP (LA).
Issue: Taking out the loan or lease

Complaint: I had a loan with Republic Finance LLC whereas I owed {$3000.00} from XXXX/XXXX/XXXX to XXXX XXXX. The loan was for two years. In XXXX XXXX there was a hurricane and I asked the company could I delay paying them until XXXX and they said yes. I had been paying them and if I ran into a problem, I would call them. They put me delinquent on XXXX/XXXX/XXXX where as Republic agreed that I would pay them in XXXX XXXX, but on the credit report they stated the first delinquency was XXXX not XXXX. Tried to file a Judgment against me. I had called them prior to issuing the Judgment and told them that I was going to pay them off in XXXX XXXX. They said okay. They filed a lawsuit for a Judgment on XXXX XXXX, XXXX but the Judgment did not go through because I answered them and said I was going to pay the loan off. They sent to the credit bureau that I was in collection and was never in collection, that I was {$540.00} past due and I was not. Put down I had XXXX 30 days late and XXXX 60 days late to ruin my credit even though I paid them {$1400.00} in XXXX XXXX. They filed against me and my husband because we had a house. After explain the situation in an Answer, the Judgment was not file but tried to make me pay a collection which did not happen. I told them that I was going to pay them off in XXXX XXXX. They wanted a Judgment and since the Judgement did not happen, they put down I was in collection from XXXX through XXXX XXXX. This was Republic Finance LLC, XXXX XXXX, Manager but they moved from the address. The address of the home office of Republic Finance is XXXX LA XXXX. XXXX number XXXX. The account # XXXX. They have ruined my credit when I paid them off eight months before. Republic put down that I had 30 days past due on XXXX, XXXX, and XXXX and 60 days past due on XXXX, XXXX and XXXX and collections for XXXX, XXXX and XXXX. Never received anything but the Judgment they tried to do. This was done to put a lien against my home. Did not try to work it out. The loan was {$120.00} a month. When I did not pay on the due date, I paid the {$10.00} late charge. Sent me a letter on XXXX/XXXX/XXXX and filed lawsuit on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, told them I was going to pay them off in XXXX. On XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, XXXX/XXXX/XXXX paid {$130.00} with check # XXXX and on XXXX/XXXX/XXXX paid {$130.00} with check # XXXX, therefore, I could not have the 30 days past due or the 60 day as stated by Republic. They told the credit bureau that I paid off the collection which was never in collection. This company did not care that I was going to pay off this loan and deliberately put incorrect information in the credit bureau to ruin my credit. Companies like Republic Finance , LLC should be investigated for the strategies used on consumer. I talked the District Manager several occasions but upheld what was done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was contacted by XXXX XXXX regarding a debt. I asked question and he used an abusive and threatening tone. He continued to talk over me when I was asking questions. I then spoke with his supervisor regarding the call. XXXX XXXX was the supervisor I spoke with and he said that there was nothing to discuss and that they have removed me from the system. I do not need the torment and harassment methods that these individuals used to carry out there daily business. please help it is just plane wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I closed my account with XXXX on XX/XX/XXXX, I paid all that was owed and received confirmation of my account being left in XXXX both for services or installment plans after my payment of {$74.00} dated XX/XX/XXXX. 

I received a collection letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating the following : Creditor : XXXX, XXXX Client Account # XXXX Convergent Account # XXXX Amount Owed : {$250.00} After receipt of letter I went to the XXXX store on XX/XX/XXXX and was contacted with costumer service XXXX XXXX EID XXXX who said he could not provide information on my account, that I needed to contact the collector for information on the amount owed. Same was told by the store clerk. 

On XX/XX/XXXX I contacted the Collector XXXX XXXX XXXX, who told me that they could not provide information on my account other than the amount owed, in addition they failed to identify themselves. 

I have sent a letter to the collector disputing their harassment and the debt. 

It is very unfortunate and illegal the manner in which this companies act. No one provides information, not only this they fail to provide anything in writing. It is as if the strategy is to force the consumer to give up and pay an unlawful debt.

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 01/26/2017 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX transferred my loan to Specialized Loan Servicing on approximately XXXX/XXXX/XXXX. At the time my mortgage payment with XXXX XXXX was XXXX. It was broken down as follows : P & I {$1000.00} and Escrow of {$450.00}. The escrow amount amount transferred to SLS was {$4200.00}. Specialized loan services did not send me any statements so I contacted them to start paying my mortgage. They insist that the amount of my mortgage payment is {$1900.00}. {$1000.00} in P & I and {$870.00} in escrow. This would calculate out to over XXXX a year in taxes. As my property tax is only XXXX and my insurance premium is {$670.00}, the amount that they are trying to escrow is twice what it should be. I mailed a payment for {$1400.00} in XXXX which was cashed by SLS in late XXXX. In XXXX I made a payment of XXXX to make sure that there was enough funds in escrow to cover my taxes. I also made two payments in XXXX XXXX in the amount of XXXX. I have finally gained access to my online account in XXXX to find out that SLS is keeping all payments of XXXX in an unapplied account and calling my account delinquent. I have made numerous calls and have spent hours on the phone with various SLS staff and have been disconnected, put on indefinite hold, and told that a ticket has been opened only to call back to find that there is no ticket for the problem. In XXXX alone I spoke with XXXX in executive services Empl # XXXX on XXXX ; he was going to call and update me the following week. He did not. I spoke with XXXX in executive services Empl # XXXX on XXXX/XXXX/XXXX and was told they are still looking into it. I spoke with XXXX in Executive Services Empl # XXXX and was told to write an e-mail to XXXXXXXXXXXX I did write that e-mail and have not had any response. She also told me that SLS would not accept any payment less than XXXX. I honestly do not know how to move forward with this to get this resolved. I received a new escrow analysis showing my monthly mortgage payment beginning XXXX XXXX will be XXXX. However this does not resolve the fact that SLS is not applying my current payments to my mortgage. In closing I received a letter from SLS today stating that my mortgage is seriously delinquent due to the fact that they are holding all of my payments in an unapplied fund account. This is negatively affecting my credit rating and by not applying my payments correctly, the interest I paid in XXXX is incorrect as well as the fact that I am accruing additional interest on my mortgage. Additionally they are holding a cushion of {$840.00} in addition to the {$840.00} which is XXXX of the estimated payments for my anticipated escrow. Any assistance that you can give me would be greatly appreciated. It has been a nightmare dealing with SLS.

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 02-12-2018 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I have tried to request a loan modification and has been unsuccessful and now the loan is now in foreclosure.

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