milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (PA).
Issue: Problems caused by my funds being low

Complaint: M & t bank has been charging me overdraft fees XXXX i have done the math where the deposits an credits only equal XXXX there math says that it is XXXX. There math is wrong an shaky also i was sent a letter about a substitute check policy where u can claim a refund for a returned check i did the legwork sent the letter to the XXXX new york office i got a letter today that is untruthful. Whst can i do

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 01/24/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: My previous mobile phone number is not available and I try to change my login information (a new phone number), but the system won't accept my passport. Last two months, I have emailed Coinbase.com four times regarding my login issue and there is no respond.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Credit determination

Complaint: I have applied for a few Synchrony Financial credit cards and recently they froze all of my credit cards. I received a letter asking me to allow access to my IRS Tax return. They requeted that i allow access to a 3rd party, not to Synchrony. I do not feel comfortable releasing such private information to a 3rd party. I have done nothing to require this type of treatment. I have NEVER made a late payment on any of my Synchrony managed credit cards. I consistently pay my account in full before the due date. 

It is very unfair for Synchrony to approve me for credit and then freeze my cards with no valid reason. I was recently singing the praises of Synchrony and how they have become my favorite and most reliable credit card issuer. Then 2 days later they froze my accounts. XXXX of the cards have not even been open for 10 days and are already appearing on my credit reports. If i do not comply with their demand for access to my tax returns i reisk them shutting down my acct which will have a detrimental effect on my credit report. They should have done any necessary verification before reporting the accts. My history of paying in full shows that i am not a credit risk to them.

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 05-03-2016 about Student loan (Non-federal student loan) with Immediate Credit Recovery (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I XXXX in 2014 and had a loan with XXXX. However, my loan was handed over to a collecting agency - Immediate Credit Recovery without notices, which incurred a fee of $ XXXX. Moreover, as I wanted to see a detailed information of loan : interest rate and how it 's been accrued, the loan collecting agency refuse to provide me such information saying they do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (KY).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I opened my auto loan with Consumer Portfolio Services in XX/XX/XXXX. I made my first payment in XX/XX/XXXX. As of today, XX/XX/XXXX, there have been 18 monthly payments made at {$500.00}. This totals {$9000.00}. In that same 18 month period, {$6400.00} has been applied to the interest on the loan and {$2500.00} has been applied to the principle. Somehow, 18 monthly payments on a {$17000.00} auto loan has reduced the principle balance to {$15000.00}. I would like the CFPB to investigate this. I can not figure out any way where 71.9 % of all payments should be going to interest while 28.1 % go to the principle. This car will never be paid off if that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Student loan (Federal student loan servicing) with Student Services (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Starting in the summer of 2015 I had wanted to consolidate all my student loans so i could have one single manageable payment. When I found a consolidation company XXXX XXXX XXXX I gave them my information and I was told they were going to work diligently to gather all my loan information and come up with a reasonable payment plan. Three months later after calling once a week every week i finally saw progress on my payments and plans. As i looked at my credit score recently i noticed that i have a high impact rate during this time from apparent missed payments that i did not now i missed. Yet during this time i was waiting on a third party to complete my consolidation process.

Company public response: Company believes it acted appropriately as authorized by contract or law
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. (MA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has allowed my sensitive personal financial information to be obtained by hackers through an exploit on their US website. It is absolutely intolerable that this information was not better protected, inaccessible from the web and encrypted to prevent this sort of theft. Additionally, the company is demanding customers surrender their right to pursue legal remedies in exchange for helping to a ) assess whether or not they are affected and b ) take preventative steps to ensure the information is not used fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Delinquent account

Complaint: A letter of dispute was initiated Capital One regarding a debt that was paid in full. The letter failed to generate a response in the 10 day window in order to get inaccurate information removed from the credit bureaus that were reported by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Medical) with Credence Resource Management, LLC (MS).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Have received collection notice but never received a bill from the supposed creditor.

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 06-09-2015 about Debt collection (Credit card) with DISCOVER BANK (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Discover Financial Services has reported some negative marks on my Credit Report and is not presenting me with some option to resolve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a credit alert that a collections company had posted information that may have been harmful to my credit report. I contacted the company ( XXXX XXXX ), but they could n't find my information. So I contacted Experian, which had notified me of the posting in the XXXX place. I disputed the information, and the posting was deleted, but XXXX incorrect addresses that I believe are the root of the problem remain on my report. I 've never lived at either of the addresses on XXXX XXXX noted in the attached document.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: On  XXXX  I sent over a certified letter of dispute for a number of erroneous accounts and Alias, Phone Numbers, Address, That Are REPORTING INCORRECTLY to Be REMOVED i sent over also my State ID as proof. I also Asked : Please verify and validate all data for this account, every notation, dates and bala nces, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without, it must be removed. They sent no proof just papers that was generated not from original creditor but it said verified nothing was used to match up information from Original Creditor and   XXXX , TransUnion,  XXXX , with is in violation of the law ... ..

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 06-02-2016 about Debt collection (Auto) with NELSON AND KENNARD (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Nelson & Kennard are attempting to collect a XX/XX/XXXX judgment that was discharged in my bankruptcy in XX/XX/XXXX. They have been notified no less than 5 times but continue to assert to a title company that they are owed money. They have changed the name of the creditor ( assignment ) and are trying to disguise the true debt so that they can maintain a lien against my real property while I am trying to refinance. I have personally sent them my bankruptcy papers and given them instructions and sufficient time to communicate to the title company that the debt was discharged but they have refused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with McCarthy, Burgess & Wolff, Inc. (SD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a debt collector contact my mother saying that I had an account in collections. When I contacted them, they stated it was for a XXXX account out of Idaho. I have never lived outside of the state of South Dakota, and have had the same XXXX account from approx XX/XX/XXXX-XX/XX/XXXX. I told them that I was a victim of identity theft and that I would be filing a police report. This debt had since been reported to credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I purchased a a car from XXXX XXXX. in XXXX. I have had several problems with it the first 3 months. I went to the salesman in XXXX 2015 and told him I wanted to look into a different car he asked how much I still owed and I roughly told him. He tried to call the bank but no answer, so he ran a credit check again I did n't sign anything and now I have XXXX marks on my credit report from the same company. On top of all that he could n't get me into a different car. He should have done a soft inquiry not a hard one that will effect me for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XX/XX/XXXX2017, I called DCI for more information about their {$280.00} collections on my credit report. The first collector stated that DCI failed to send out a validation letter informing me of my right to dispute as a result of a Do Not Call Request. He went on to say that the original creditor sent notice and refused to explain to me why his employer, DCI ceased written corrospondents. He ended the call by stating that he could no longer help me. I warned him not to terminate the call. I called back and spoke with someone who identified himself as a Project Manager who begin to repeat an inverted form of my address to me in an attempt to suggest that DCI had the incorrect address. I summarized the previous call to him and he chose to imply that I did n't understand what a validation letter. The manager contradicted the previous collector 's responses and insisted that the Do Not Call Request was instead a request for DCI not to contact me at all. Both collectors interrupted me repeatedly and refused to answer my questions regarding validation of debt. My credit score has dropped 34 points as recently as this morning. How do I rectify this situation?

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX  was the original creditor the account was first delinquent in  XXXX  and they subsequently sold the account. However, after the account was sold they continued to report the sold charge off for the next 5 years. The last update was  XXXX   XXXX ,  XXXX . The account is listed as sold. They are not allowed to continue to report once they sell the account.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Have written 3 times - once to the creditor and twice to the collection agency. Per the law, it was within 30 days of receiving the notice that I requested a full detailed itemized statement reflection the amount they claimed due from  XXXX   XXXX   XXXX  when I switched my service. I still have yet to receive anything at all except a piece of paper demanding the amount with no breakdown of the debt what so ever. They also have placed this item on my  XXXX  even though it was disputed and no proof was ever sent.   This has been going on for months. I gave verbal warning and put them on a  Cease and Desist until any paperwork regarding the outstanding itemized balance is  sent that they claim to be owed.   My phone gets called probably about 8 times a day. It is totally ridiculous.

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 06/28/2016 about Debt collection (Credit card) with WELLS FARGO & COMPANY (NM).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company calls me three to six times a day even after telling them I can not make payments due to lose of work over XXXX. I admitted that I may not be able to make payment arrangements and may have to file for bankruptcy. I still get called three to six times a day from XXXX to 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 non-monetary relief
Consumer complaint received 06-10-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I had Bank of America CC. 
I defaulted on the card because of BoA change in policy that I could not afford to keep up with and mounting medical debt. 
It was sent to collections and XXXX, XXXX, XXXX and XXXX XXXX have harassed me and made false statements. 
Legal aid helped me find court documents with falsehoods and service papers. 
I am on XXXX XXXX and can not make payment. 
The dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. 
I was never served by anyone with the papers. 
I received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given XXXX days to respond to. Obviously this voided my opportunity to respond. 
The rest of the documents legal aid found online. I had no knowledge of these. 
The affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. 
The dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. 
This is to include phone calls and claiming to have served me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan modification,collection,foreclosure

Complaint: America 's servicing Company denied a postponement in foreclosure date due to lack of proof of funds. I have requested in writing to the Correspondence Resolution Team ( CRT ) the postponement, stating that I will not be able to have the proof of funds or the funds to repay until a week after the scheduled foreclosure date of XXXX/XXXX/2016. They denied the request, forcing a foreclosure. I am requesting CFPB to mediate an alternate route to postpone the foreclosure date.

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 07/13/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Portfolio Recovery Associates is attempting to collect debt for which the XXXX of Limitations has expired. They call from multiple telephone numbers and leave no messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a dispute letter to Transunion in XX/XX/XXXX regarding incorrect accounts. I received a report back XX/XX/XXXX all verified through automated code. I sent 2 more requests for reinvestigation and method of verification. I sent them both through certified mail and they were received XX/XX/2016 and again XX/XX/2016 and I have not received any additional information. There has not been any verification. These accounts need to be deleted 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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been a victim of identity theft, and someone used my information to obtain a  Loan  through  XXXX  thru on-line and other services like mobile phones. This started in   XXXX   when my information somehow was compromised during a data breach or similar because   XXXX   XXXX   XXXX  , and  XXXX  all sent out warning letters to me. I travel a lot, and during this time I did n't pay attention to my credit report, and now this is affecting everything in my life. I 've processed what is required of me to mend this problem and get it resolved through the proper channels. It 's been over 30 days and still no resolution from my last set of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Payday loan () with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: Application accepted on XXXX/XXXX/15 for {$350.00} at $ XXXX pay period. Because I 've had payday loans before, with NO problems, I did n't think anything of this one. I called today ( XXXX/XXXX/15 ) to find out when my last pay date was because I figured it should be coming up pretty soon, and she said XXXX/XXXX/15, which was odd since it was opened in XXXX, I did n't think it should take 10 months to pay off {$350.00}. I went online to look at the pay schedule and calculated how much I will have spent by XXXX/XXXX/15. On a {$350.00} loan, I will have given this company {$1600.00}. She said they tack on the finance charge on every payment if amount is n't paid off in full. I 'm in Florida and I checked the XXXX 's website and this company is n't listed as being licensed. Another thing is, they said it 's a tribal company so it does n't have to adhere to state laws. I 'm trying to get rid of my loans and had no idea this XXXX would be lingering on for such an ungodly amount. I 'm tempted to close my bank account. I thought about paying more each pay period to pay down the loan but the more I think about it, and the more complaints I see about this company online, the more I 'm against doing that. My past payday loans were the same amount every payday with the last amount being the balance of whatever is left.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have disputed these accounts a few times already asking for validation and Experian has failed to provide me with the documents they have on file to verify this account. Under the FCRA anything unverified needs to be removed. These accounts also are reporting incorrectly. Payment history is incorrect and Experian needs to remove these accounts. I have attached file with circled payment history errors. They go reporting " 0k '' status for a few months then they go late 90,150, 180, 180,180,180. ( How can it be 180days late for 5 months straight ) it Then goes to ND ( no data is NOT proper reporting ) to " Ok '' status then again same late Cycle. These ca n't possibly be my accounts because I have not made any payments on these accounts so these accounts need to be removed.

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