milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Unauthorized transactions/trans. issues

Complaint: I was notified by email that there would be an update to the system which occurred XXXX XXXX 2015. I checked my account after the update and my money that was previously on my card was gone. I did n't panic thinking that the update was n't over yet, so I waited until my direct deposit went through on the XXXX of that same week and to my surprise nothing, zilch, XXXX, it was then that I decided to call but was put on hold for several hours and when I could n't get through I sent several emails. I then called several other times even staying on hold for as long as XXXX only to be hung up on, and when I finally did get through no one could help me at all in fact the representative seemed to be in the dark as much as I am. Fast forward it has now been 10 days of the same thing, it is now the XXXX and nothing has been done and my money is nowhere to be found. I am extremely frustrated but it feels like I will never see my hard on money again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NJ).
Issue: Application, originator, mortgage broker

Complaint: I contacted XXXX XXXX XXXX # XXXX regarding a mortgage. I explained to him from our initial conversation that I previously had a short sale and wanted to know if I would still be eligible for a mortgage, he proceeded to ask me for personal information and replied that there would be no problem in getting me approved. I disclosed to him that I wanted to buy the same house I previously owned, he stated that would n't be a problem. He provided a pre-approval and had me complete and signed disclosures. One week prior to closing and after paying for inspection/appraisal and attorney fees he called me and stated it could n't be done. We started to look again for another house, found one and he said that now we would n't have an issue ( all supported by emails, text and conversations with my attorney ). Again I paid for inspection, appraisal and he came back almost 2 months later stating he was asking for an exception and needed additional documentation. I was told by his previous employer XXXX XXXX XXXX that this was not the 1st time he did this to a client which is why they were in the process of firing him before he left. He is now at Caliber Home Loans, he is deceptive and treated me unfairly. He should not be allowed to work in this line of business as I am sure I am not an isolated case.Having me incur over {$3000.00} in expenses in addition to time and XXXX clearly demonstrates he is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Payoff process

Complaint: XXXX opted me in to over-the limit charges of XXXX car without my permission .... 
much damage proceeds from this 2009 credit card act violation

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Payday loan debt) with Acceptance Solutions Group, INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: THIS COMPANY WAS CALLING BACK IN XXXX OF 2017 A PERSON SAY ING THEY GONE SUE ME THEY GONE SERVE ME WITH PAPERS CALL THIS NUMBER TO STOP THEM FROM DOING SO. THEY KNEW THE ADRESS TO MY JOB AS WELL. THEY CALLED MY HR DIRECTOR LEFT THIS HARRISING PHONE CALL. THEY HAVE CALLED ME WITH IN THE PASS TWO WEEKS NOW ITS LIKE A ROBOT THEY CALLED MY AUNT CELL PHONE AS WELL. I TOLD THEM THEY HAVE THE WRONG NUMBER STOP CALLING THEY WILL NOT STOP. PLEASE HELP ME SO THEY CAN STOP HARRISSING ME SHE SAYS HER NAME IS XXXX XXXX PLEASE CALL XXXX REGUARDING THIS MATTER. WHEN THEY CALLED IT POPS UP UNKNOWN. THEY HAVE BEEN CALLIMG ME AT LEAST 3 TIMES OF DAY. 
I TOOK A PICTURE OF MY PHONE BECAUSE I GET VM THREW TEXT SO THAT YOU WILL SEE THIS INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Carter-Young, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Carter-Young INC said I signed a lease in XXXX for the University XXXX. I never signed a lease there. I was living and going to school in XXXX. I have not been back to XXXX since XXXX of XXXX when someone stole my social security number and tried to claim me on their taxes. I have submitted documentation to them showing them that I never signed and I was living in XXXX and going to school here. They still refused to dismiss the debt as identity theft. The credit bureaus do not want to take this fraudulent information off my credit after I have disputed it multiple times. All Carter-Young has sent me was a lease that was missing signatures but on the very last page it had the initials XXXX typed in. How can that document even be classified as legitimate. The key was never picked up for the apartment and no one never moved in. I want this fraudulent information removed immediately. Also, XXXX, I co-signed that apartment in XXXX of XXXX. I never lived there just helped a friend out who was homeless and trying to get on her feet with her XXXX year old son. I was NEVER informed by her or the company that she was evicted. I never knew anything about that eviction so that information is also fraudulent and I would like it removed from all three of my credit and tenant history report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2017 a balance of {$400.00} from XXXX XXXX XXXX appeared on my Equifax credit report. I am challenging Equifax to verify this account per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the credit bureaus and the creditors to provide the credit bureau a copy of the original creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Payday loan, title loan, or personal loan (Title loan) with WRJ Holdings, LLC (GA).
Issue: Vehicle was repossessed or sold the vehicle

Complaint: Borrowed XXXX on my XXXX XXXX XXXX from first XXXX XXXX XXXX in XXXX ga. Check went directly to mechanic as I got the loan to have motor replaced. 1st payment due XX/XX/17, although car was still in mechanic shop, called and made arrangements to pay on that saturday and was told district had to approve. Never heard back so assumed it was agreeable, 3 days later car was repossessed from shop without any communication to me. Initally was told i could get car back after I made the payment and decided to do a buyout with another company. Both companies coordinated and gave me an appt time to be at New company to complete paperwork, assured car would be there when I arrived, ended up waiting 3 hours and finally being told they could not remove car from lot bc it was in repo, this was after I was told 2 other stories. Asked to speak to district. He ( XXXX XXXX ) called the following day and told me that I could not make my payment and get car only option was full payout. I asked about the branch manager ( XXXX ) telling me I could get car back and was told she made a mistake, and that everyone makes mistakes ... offered no reason or leniency for the false information and time spent. District manager was extremely rude, sarcastic, and unapologetic, refused to provide his supervisors contact info and my request to have his superior contact me. I have been taken advantage of, lied to, and my rights violated. Please help me I am a hardworking individual who recently received a layoff, gave my newer car up and bought this one only to have motor blow up 4 days later, pawned title as it was my only option and now my car has been taken for being 3 days late and after making arrangements that were assumed agreeable by lack of follow-up saying otherwise. I have made several attempts to reach out to the owners of company ( no reponse ) and also several attempts to have title bought out, none of them can happen bc they refuse to let car leave repo lot even if I pay their repo company to tow it to New title loan co to complete buyout.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have made over 6 attempts to have the credit bureaus conduct an investigation to remove a couple of fraudulent accounts from my credit report. We have sent over FTC Affidavits and supporting documents and still the accounts are list on my credit reports. I 'm not sure why they 're allowed to get away with this. Their suppose to maintain accuracy on consumers credit reports. Hoping this will get some closure soon. I 'm attaching the Documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had contacted eqyifax to remove an item placed twice. XXXX XXXX had purchesed account from XXXX and the amount XXXX states is incorrect XXXX and it should be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a letter of dispute to Experian on XXXX XXXX, 2015 and they sent me a response saying they received a suspicious request in the mail and it was not sent by me. It goes on to say they will no longer initiate any disputes based on the suspicious correspondence. I was the one that wrote and mailed the letter so there is no suspicious request. Experian is trying to get away with no longer having to respond to any dispute requests.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: Currently on XXXX XXXX I had a banking issue which ended up cancelling and refunding a out I had made through coinbase. They locked down my account due to it and asked for a resent payment which I gladly gave the information to recharge me what was owed. Over a week later and my account is still locked and I can not sell my XXXX like I have said. I have messaged on XXXX as well as there customer support cases and not one word back from them. I believe this company is fraudulent and fake due to not having any sort of customer support team nor a number to get i go contact with someone to help while being a financial company. This is horridous and have XXXX dollars of my money currently locked up.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: I have my 30 year fixed mortgage at 5.5 % with Citibank. I have been a XXXX of theirs since 2008 and pay my mortgage on time every moth. Two years ago when mortgage rates dropped near 3 % I applied to refinance my mortgage and they said no. Why? Because my ratio did n't work for them. I had steady income, albeit not a great salary. I could have really used that break to help me put more away in my savings. I had quite a bit of savings and other assets. My friends whose salaries were very healthy took advantage of these great rates and they now they are sitting even prettier with lower interest rates and low mortgages but the folks who really needed the help were flat out denied. Citibank gave me a mortgage when I was unemployed in 2008!!!! My husband had just left with all of our savings and I was barely getting by on food stamps but Citibank wanted me as a customer and gave me a mortgage! I have never missed a payment. 

Shame on Citi. I would never recommend to anyone going with such a large institution with a very small heart.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX, PaXXXX Tel:XXXX Email : XXXX XX/XX/XXXX Dear sir madam : My final complaint : The mortgage " document is a fraud because the signature on the document the bank is claiming to be XXXX signature is not that of my Ex-wife, XXXX . Thus, I 'M kindly asking that the CFPB use the services of your good office to probe this concern. For now, I 'm awaiting the bank proving to the court that my Ex-wife lied under oath to the court. The signing is hers '. 
At this juncture, many thanks for the CFPB support to people like myself and those are and have been struggling to remedy financial predatory difficulty against the most powerful e like the entity like the banks and subsidiaries. 
This missive is to acknowledged receipt of the " Company respond, Ditech Financial LLC to the Consumer Financial Protection Bureau ( " CFPB '' ) Case No. XXXX Ditech Financial LLC Account No. XXXX In the last paragraph of their letter, the company wrote : " At this time, the account is currently past due and owing for the XX/XX/XXXX payment and all subsequent payments. If you have any remaining questions regarding any potential loss mitigation option ( s ) or as to the loan account, please contact Ditech at XXXX. '' In hindsight, my concluding complaint thus : The signature on the " Note '' is " fraudulent and predatory ''. In XX/XX/XXXX when XXXX did not provide me " QWR '' that I requested, XXXX counsels reported to the court that " The bank could not provide the Note because the bank was transitioning to an electronic filing system. '' In addition, my ex-wife ( XXXX ) testified in court on XX/XX/XXXX. Under oath she explicated that " The signature on the note is not my signature, I never authorized anyone to sign for on any document/s. '' XXXX added. She concluded with this statement, " Your honor, if my signature is on any mortgage note or bank note is not my signature, '' XXXX reported. 
In sum, I 'm await the " QWR '' I have requested from Ditech to audited. For the note that Ditech and partners have been taking through " XXXX '' for is a federal crime. It is fraudulent and predatory. I need the bank to provide me an authentic verified copy of the bank Note bearing my Ex-wife. 
In the cause of the struggle, XXXX, Account No. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: On XXXX XXXX I was past due on my XXXX XXXX XXXX student loans. I applied for a forbearance and was granted the forbearance which in turn brought my account current. My new due date was XXXX/XXXX/XXXX. I also applied for an Income Based Repayment Plan. I waited for my credit report to reflect my status and it did not. I 'm in the process of opening a business and have been trying to improve credit ratings to qualify for a start up loan. When my report did n't update, I began disputing the information. I have disputed the status of my account at least 4 different times and it keeps reporting as XXXX days past due. In XXXX, I was also approved for the Income Based Repayment plan with a payment of {$0.00} based on my household size and financial burden. So my next payment was due XXXX/XXXX/XXXX. My accounts are still reporting as past due. On XXXX XXXX, I faxed copies of my XXXX, and XXXX statements showing my due dates, {$0.00} past due, and {$0.00} balance. I was told by XXXX XXXX at XXXX she could not use the info. I called XXXX XXXX to see what they were reporting they are claiming that they have been reporting my current status as of XXXX XXXX. XXXX and XXXX from XXXX requested a letter to be sent to me showing my current status. So I called the credit agencies XXXX, and Equifax again and they said it is XXXX updating a past due status because they corrected it on XXXX and on XXXX XXXX reported it late again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Managing the loan or lease

Complaint: While reviewing my credit report, I noticed that an unauthorized and fraudulent inquiries were made by CAPITALONEBANK on XX/XX/2016 & XXXX/XXXX/2016, on XXXX, XXXX, XXXX AND XXXX.I did not authorize these anyone employed by CAPITALONE BANK to initiate any inquiries into my credit. This act was fraudulent and unauthorized, thus, a clear violation of my FCRA and a breach of my Privacy Rights. 
I have requested CAPITALONE BANK to permanently delete these adverse information and/or provide me within 5 business days any written signed documents from me authorizing such inquiries so that I can verify the validity of these inquiries. 
I am requesting that CAPITALONE BANK contact all the credit reporting Agencies to dele these inquiries without further delay as this directly affects my ability to obtain credit, employment and housing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Other debt) with Convergent Resources, Inc. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: A collection account in the amount of {$690.00} from XXXX XXXX XXXX   appeared in my credit report on XX/XX/2017. Since this is not my debt, its source has links to the XXXX credit breach of XX/XX/2017. The credit breach has compromised all of my personal information within the credit files of XXXX, XXXX, and XXXX that now show collections for accounts with businesses with which I do not transact business. 

I am hesitant to engage with XXXX XXXX XXXX XXXX because of its unfavorable customer service and dispute resolution practices well documented within the XXXX XXXX XXXX. According to the XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX has 64 negative reviews out of a total 67, many of which pertain to business practices that run afoul of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I attended XXXX XXXX which is part of XXXX. The recruiters pushed us to sign up for private student loans telling us that when it came time to pay back out student loans that we could re consolidate but Navient will not let me re consolidate my student loans and I have an interest rate that is more than twice the national average- I currently have a 13.5 % interest rate. And by the time i pay off this student loan i will be paying almost 3 times the amount i originally borrowed. I received a certification from XXXX in XXXX which i was told i could transfer those credits to other schools but not one school took the credits from XXXX so when i pursued my degree further the time and money i had already spent at XXXX was not able to be used and i had to start completely over with my schooling- retaking some of the same classes i had already taken and paid for through XXXX . The recruiters from XXXX tell you that you can get any job in the XXXX field after attending school and will start out making enough money to pay back the student loans. But after finishing this program I did n't even have enough schooling or experience to apply and take the actual certification test to become a XXXX to even get a job in the field. The school started out with a different name and switched about half way through my program.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Trouble during payment process

Complaint: We purchased our home insurance since XXXX to avoid continually paying forced placed insurance through our escrow. I have called many times to get my mortgage reanalyzed since the policy was paid in full. I have paid the regular amount each month and they continue to include the home insurance payment. I've been asking them to just lower my payment since my policy has been paid in full and I keep getting the run around.

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 08/17/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: With correspondence dated XX/XX/2015 ( see attached copy of letter XXXX, Midland received my request for validation for an erroneous account I had found them reporting on my credit report. They failed to respond to my request with any sort of validation and have continued to report the account on my credit report. This is a flagrant violation of the FDCPA.

Company response to consumer: Closed with explanation