milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2018 about Debt collection (I do not know) with Convergent Resources, Inc. (NV).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company " Convergent " using number XXXX keeps calling me everyday sometimes multiple times of day for over a week for some person I do not know and does not nor has every resided with me or has every even known me. I got this number back on XXXX XXXX, 2017 and explained to them to remove my number and stop calling me. Now they have told me I 'm lying and refused to also not record me when I told them not to, they also no matter how many times I tell them to give me their manager never give me a manager, they just deflect and try to phish for my personal information. Which they have no right to have as I 've never done any business or have contacted them. Yet they are rude and hangup when asking for their manager.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sierra Holdings LLC (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Tried contacting, no luck. No help with customer service. Need this taken off credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016 XXXX XXXX XXXX  XXXX XXXX Washington XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX,2016 Sierra Auto Finance XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX,2016

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Billing disputes

Complaint: I sent in payment and got a late fee. I want to be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Syndicated Office Systems formerly ( Central Finance Control ) is reporting a medical account on my credit report to XXXX that was discharged via Ch. XXXX in 2011. They initially reported the same account three different times. I have sent via certified mail a copy of the discharge and XXXX page but they continue to report the account. At present they are reporting the account as XXXX separate accounts to XXXX. I have repeatedly asked for them to provide proof of a valid debt and date of service to no avail. There is no valid or actionable debt as the debt has been discharged by Judges Order in the 2011 Bankruptcy. This false and fraudulent reporting is preventing me from being able to refinance my home in order to lower my present interest rate.

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 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am attempting to verify the debt that XXXX states that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 have repeatedly submitted a request to remove this account. It is stale dated and exceeds the statute of limitations. It was agreed that when I paid the account in full many years ago, that it would be removed from my credit report.

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 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On XX/XX/XXXX, I filed a complaint ( XXXX ) with the CFPB as Barclays Miles & More XXXX had incorrectly re-billed me for {$760.00} for a charge from XXXX. I requested three things be done : - This charge be revised - All associated late fees and interest charges be removed - Notification to the credit card agencies that the reported delinquencies be removed On XX/XX/XXXX, Barclays responded saying they admitted mistake on their part, and removed the charge as well as notification to the agency However, even until today, no reversals of the late fees and interest charges has been made, and a balance remains on the account. There should be XXXX balance. 

Attached file shows above from Barclays.

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 10/28/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing agreed to a deed in lieu of foreclosure aka cash for keys while I still reside at XXXX XXXX XXXX, XXXX FL XXXX for {$12000.00}. I have no money to move. The relationship manager for my case XXXX XXXX, failed to inform the Ocwen attorney about my approval for cash for key and my house was sold today at XXXX XXXX XXXX XXXX Court for {$38000.00}. Case number XXXX. Ocwen does not know how this happened and they are sorry, but not offering any resolution for me getting money to move. What happened to my cash for keys? I need help to move to a new house and Owcen sold my house. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I bought another  XXXX  in  XXXX  anticipating the  XXXX  (  XXXX  fraud ) buyback announced for  XXXX   2017 , but delayed till  XXXX  17. I called  XXXX  and informed them of my inability to continue  XXXX  car payments and no problems were mentioned then. I sold the car back to  XXXX  in  XXXX   XXXX ,  2017 .

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 11/14/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WV).
Issue: Money was not available when promised

Complaint: I have an account with CoinBase ( www.coinbase.com ) and tried to withdraw funds to close the account on XX/XX/XXXX. I was informed by Coinbase that funds would be in my account by Tuesday XX/XX/XXXX. No funds arrived so I created a trouble ticket ( ticket ref : XXXX ) with them on XX/XX/XXXX. It is now XX/XX/XXXX and I have received zero response to that trouble ticket and to further attempts at contacting Coinbase. They have published a telephone number for support but after 45 minutes my call had not been answered so I gave up. 

I am seeing many posts online where people trying to withdraw funds from Coinbase are seeing many MONTHS delay in getting payment and I am trying to avoid it happening here.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Credit reporting () with LEXISNEXIS (NJ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: About three weeks ago I had requested a copy of my consumer report from Lexis Nexis. I had to print out the request and mail it in. I actually mailed the application for my consumer report in via certified mail. Now almost two weeks ago I received the certified postcard back stating that it was received by Lexis Nexis and as of today XXXX/XXXX/2015 I have yet to receive the report. I am very determined to get the report and to dispute the information that is furnished on the report because I have declined employment and apartments due to information that has been pulled from LExis Nexis which I know is wrong. I am the victim of Identity theft and I am trying to clear my name and it is extremely hard when these CRA 's are withholding information from you. I have every right to see what is being collected on me from your company and it is my right to dispute the information. I also want to put a security freeze on the report for security purposes because what they have listed is detrimental to my livelihood right now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CO).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I contacted Wells Fargo Bank today XXXX, XXXX, 2017, to provide additional evidence to support my case in a large purchase I made, for which the merchant did not provide. I was told there is nothing more I can do and that after arbitration, there is no more appeal process. What frustrates me is that on multiple occasions, when this bank has decided a dispute in my favor, they have come back and changed their minds. However, in a large transaction, where the merchant did not perform the service they promised, my bank is refusing to help me. They are refusing to accept new evidence and are saying there is nothing further I can do. The bank 's dispute process and arbitration is biased toward businesses and they are not advocating for their customers, as they promise. Furthermore, in the initial consultation, I was never told this dispute was going to arbitration. Instead, I was told by the dispute analyst, XXXX XXXX, that all I needed to get was an invoice or an estimate from another merchant to show the service was not as expected ; yet the dispute was still decided against me. I was not given full disclosure to the magnitude of this process and now, after reaching out a second merchant for definitive proof that I did not get the service I was charged for, the bank is still refusing to help me with this. I filed a complaint earlier about this matter in the previous evidence. This new complaint is about the fact that my bank is refusing to accept the new evidence I am presenting and they are retaliating against me for filing the original CFPB complaint. I have been a Wells Fargo customer for years and it is shameful that they are treating me like this. This transaction is worth 1 full month of my paycheck and my bank is helping this other business rob me of my money.

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 01/31/2017 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Credit reporting agency has not removed derogatory remarks on my report. Agency continues to report remarks beyond the statutory period required for removal. 

Referring to XXXX XXXX XXXX partial account number XXXX .... late payments, and XXXX XXXX XXXX. partial account number 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 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is a report on my credit from : FOCUS RECEIVABLES MANAGE XXXX GA XXXX They are claiming I owe {$280.00} from a XXXX XXXX Cable bill. I called XXXX XXXX Cable directly to confirm the charge and to possibly pay them directly if there was a delinquency. Once I talked to XXXX XXXX, they confirmed that I did not owe any money, and that my canceled on time and my last bill paid in full. They said they would make a note on the account, and that if the collection company called to tell them the account is invalided. I tried to call the collection company and was put on hold for two hours ( I left it on speaker, while I was around the house ). I then went online only to find other reviews that stated the same issue with contacting the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This is a complaint against CAPITAL ONE. I have been a victim of identity theft for two years and my XXXX and XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: When I try to open an account with XXXX XXXX at XXXX, XXXX XXXX XXXX, CA XXXX, they run the credit report ( ChexSystems ) and the credit report history come out with XXXX unpaid/account abuses. I never banking with those XXXX banks and called them to find out what is going on. Both of banks said I did n't banking with them before and do n't even an account with them. Also I run another XXXX credit reports separately but none of them had same or any unpaid records. I think this Chex Systems report is wrong and want to corrected. Please help me out on this case. 
Thanks, 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 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on more than one occasion to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

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 04/19/2017 about Student loan (Federal student loan servicing) with Account Control Technology, Inc. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My  Federal Tax Refund w as recently garnished by the Treasury  Off-Set pr ogram for a fraudulent debt. I have n't received any prior warning to my home address of this debt or collection agency. Account  Control Technology ne ver reported this debt to any of the  XXXX  major credit bureaus essentially leaving me uninformed to resolve the issue. I could have acted sooner, before the treasury offset garnishment, however the debt they 're trying to collect was from when I briefly attended a  XXXX  scho ol (   XXXX   College )  several years ago, which I had around {$3000.00} in federal loans for. I stopped attending after a month or so after hearing a previous graduate tell me that her class and the class before hers were not being placed in jobs like the school had promised, falsifying job placements. Years later they closed this schoo l (   XXXX   College ) for  fraud and for falsely stating they would place students in jobs and never doing so, along with other illegal lending practices. I figured the loan would be forgiven since I never saw it appear on my credit report. I saw this was not the case when I found out that they took my tax return which was {$2800.00} to pay this debt for a school that was found fraudulent and closed down. I have read in several articles that these collection agencies are collecting on loans they know are eligible to be forgiven. Can I do anything about this? My loan was put into the offset program which caused a major financial hardship for my family and I. I needed that money for other financial obligations and I also have  XXXX -month-old son. Things have been very difficult for me since I was injured in a car accident last year and I 'm currently being treated and have n't been able to go back to my delivery work.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I already have filed    one compl aint with Santander, that is case number  XXXX . This is additional information that I was told to add by the cfpb as another complaint. The issue we are arguing about is Santander 's interpretation of ou r credit score.  The report that we get from the credit agencies is very different than what "  XXXX , ''  Santander  's source, uses, resulting in a lower  credit score  ( and therefore higher rate for us  ) . Now, we have just received new updated credit scores which are still higher than   XXXX   but have lowered BECAUSE SANTANDER HARD PULLED OUR CREDIT  THREE TIMES in under a month period. They pull our credit three tim es, it lowers our score, and we get a higher rate? So  Santander  is effectively forcing us into a higher rate themselves. Which should be illegal. Additionally, one of the statements on their  ( Santander 's )  credit report, which again does not come from the big  XXXX , states that I,  XXXX , have my score adversely affected be ause " length of time accounts have been established. '' My most recent account was established i n  2008. T  hat 's  nine yea rs! How long do they want? Also a detriment : '' length of time since derogatory public record or collection is too short. '' What does that even mean? I had a collection go on. I paid it immediately. PS, the people trying to collect were actually sending things to the wrong address, as evidenced on my credit report.  XXXX   XXXX   XXXX   An  address at which I have never lived. So Santander, again, wants to make more money on consumer loans, and so does their own detrimental workings against consumers, which is completely unfair and should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Application, originator, mortgage broker

Complaint: Subject : Request for Information : copy of my abortive VA Loan application paperworkBACKGROUND : I signed and returned a VA loan application to the Lender, but the financing fell through in UnderwritingPROBLEM : I asked by telephone AND emailed a request a copy of my VA loan application that I signed and returned and offered to pay any requiste fee ; but I was told " ... The application was not completed so the information contained on the application you filled out would be a working document for us. The application would have been finalized at closing and you would have signed in there.. '' EFFECT : Because my credit request was not approved, I would not be going to closing and there would be no other opportunity to get a copy of these important documentsSOLUTION : I would like Lender to send me a true copy of complete loan application that I signed. XXXX Cited : RESPA, the Privacy act and Dodd-Frank, as applicable. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am disputing the collection account XXXX and account number XXXX which they show as being opened XX/XX/XXXX. That is the date the debt was transferred or sold by XXXX XXXX XXXX XXXX. The collection agency has re-aged this account according to the original creditors date of first delinquency, confirmed as XX/XX/XXXX in the FCRA Compliance Date. Please delete this account immediately.
This is being reported to the FTC with complete documentation as well as the California State Attorney Generals Office. I am also going to pursue legal action with the help of XXXX and an FCRA specialist attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/28/2016 about Debt collection (Auto) with Riverwalk Financial Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Deville Asst Management this company did not send me a letter or bill, they fail to notify me. The only way I found out this debt is thru my credit report. And the information they have on XXXX XXXX is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I set up a payment to keep the account from being charged off and it was pulled back by the bank who I currently have a disputed as well and as a result they closed my account and sent it to collections

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: APR or interest rate

Complaint: The Home Depot offers consumer credit cards which are serviced through Citibank ( citiretailservices ). They periodically offer extended terms offers of no interest for six, twelve, eighteen, or twenty-four months on purchases of various amounts. I find that the deferred interest charges are being accumulated in an amount that exceeds the rate that is in the account agreement and that appears on the monthly statement. 
On my XXXX/XXXX/2016 statement, the deferred interest charges increased by {$23.00} on the {$1100.00} promotional balance and by {$61.00} on the {$2400.00} promotional balance. When I calculate the 30 days interest at the published 25.99 % rate, I get {$22.00} and {$52.00}, respectively. 
I am attaching copies of the XXXX/XXXX/2016 and XXXX/XXXX/2016 statements.

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