milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I just found out that I have to pay off an additional student loan. XXXX XXXX XXXX ( the school that I attended from XX/XX/XXXX through XX/XX/XXXX ), made me sign documents that I had not reviewed. They said if I did not sign the paperwork that I could not graduate. I desperately wanted to graduate and get a job so I signed them. The paperwork must have been for the private PEAKS loan totaling over {$18000.00}. There was no activity on these loans while I was attending the school or after I graduated. They are seeking payment now.

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 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I disputed all the credit inquiries on my account and asking for proof of inquiries also I disputed a report from XXXX XXXX XXXX that was closed 3 years ago and the amount due just keeps going up. I asked them to provide original documentation with XXXX signatures from both parties and no 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 12/19/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: On the morning of XX/XX/17 I completed a {$1800.00} wire to Coinbase. I have confirmed that the wire instructions including the further credit reference was present and correct. Coinbase still had not credited the funds to my account. They stopped responding to me on Saturday. They didnt even acknowledge my messages earlier. You cant call them on the phone.i shared all of the wire info including the bank Ref and fed Ref numbers. They havent even made an effort to check on it.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (I do not know) with Hunter Warfield, Inc. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: this company Hunter Warfield XXXX has been harassing my family looking for someone who owes them money when we have told them to please stop calling this number and they cont. they are very rude and threaten us with law suits jail etc ... Please make them stop

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CT).
Issue: Account opening, closing, or management

Complaint: On or about XXXX/XXXX/2015 I opened a checking account with JP Morgan Chase Bank to wit : XXXX XXXX XXXX, XXXX XXXX, CT XXXX using cash from my profit sharing funds from a former employer. After receiving my debit card then received a letter demanding that I provide proof of residence, a utility bill and/or a cellular phone bill. I reside at XXXX XXXX in XXXX XXXX CT which is classified as a boarding house and make weekly payments which provided me with a letter of residence as no lease agreement exists and all utilities are inclusive. I then provided a copy of my cell phone bill which was provided for a nominal fee as the company I am contracted with does not mail out statements they provided on line via e-mail. Neither were accepted. I was informed if did not provide adequate proof the account would be closed. Approximately a week later I attempted to use the bank issued debit card and was informed the account had been closed. I contacted Chase Bank and was in formed that a check with the remaining funds would be sent to my address and the address was verified. I was informed that this action would take 3 to 4 weeks. Having not received the funds I contacted the bank and was informed that the check was sent a trace was needed. I then waited an additional 2 weeks and received nothing. I have made several attempts to contact the bank in question and have only been able to leave a voice mail and NO representative has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease

Complaint: I had an auto loan pay off with Wells Fargo and that was paid in full over almost XXXX months ago. Wells Fargo the month I paid off the vehicle auto payment still came out. I called in and they were polite and said they 'll mail back a check should be there within XXXX business days. No check here, I called back XXXX business days later and they apologized and said they just mailed out the check and it would take another XXXX business days to get to me. XXXX business days later again, still no check, I called and I find out that the previous rep mailed the check to the wrong address despite me confirming my home address. The representative this time informs me that they 'll directly deposit the funds into my account now within XXXX business days. XXXX business days later, still no money! I call and ask why the funds are not deposited into my Wells Fargo account and they do n't have an answer for me. I request to speak to a supervisor and the supervisor could n't answer any of my questions and did n't seem interested in helping me but getting off since I know it was the right as their offices close. I requested a follow up call back from the supervisor on Monday to give me a status update. No phone call and still no money!!!!! Wells Fargo keeps dodging my phone calls and questions and two months now and they still have n't gotten my check back to me. 
It 's funny that Wells Fargo will charge me a large late fee if late paying them but there is no late fee for them returning your own money even when its two months late now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: USAA Closed account fraud activity on credit card XXXX + said they did n't want to do business any more card was used for withdraw transactions deposits were made a By a XXXX XXXX from a phone number 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 04/16/2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: On my account I had charges I did not owe. They kept billing me any how. A Company called me to make arrangements on my balance stating they were A lawfirm aattempting to locate me to serve papers to go to court. I could not under stand this I am easy to locate or contact. I agreed to pay a payment that day to avoid court of over XXXX. They said if I did not pay that day I would be sued..I did not want that so I agreed to pay and make future payment to them. I bought a credit card you can l ; oad your money on to make these payments.I also asked them to send me copies of my account and info on their company. This never happened. 
After a few payments I felt my balance on my account was paid in full and when I never received this paper work I called the number from my caller ID anf found out they were a collection agency acting as a lawer with threats. They had impersonated a lawer while on the phone with me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Student loan (Non-federal student loan) with The Regional Adjustment Bureau, Incorporated (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I submitted a previous complaint : Ref Number XXXX The company who is handling my student loan ( RAB Inc ) said the dispute was resolved and it is not. They admitted to me by phone that whomever they bought my loan from finally gave them the records that I was always on time with my payments and not in default. My credit was extremely adversely affected by no fault of my own. Bringing my credit score from XXXX to XXXX. I want RAB Inc to submit a letter to me saying that they will take the derogatory marks off my credit through all XXXX bureaus immediately. I want a letter in writing. This company is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/XXXX I paid off my balance in full, and to date have not made any additional charges to the account. In XXXX I received a bill for {$9.00}, which I again paid in full after calling and confirming the amount. In XX/XX/XXXX I received another bill for {$1.00}. On XX/XX/XXXX I called an asked why there was an amount due they said it was additional interest on the average daily balance on the interest I had already paid. I asked to have the {$1.00} waived and they said they could not waive it. I asked to speak to a manager and the manager said that not only did I need to pay the {$1.00}, but their would be additional interest that was due on the {$1.00}, that I would also need to pay. At this rate I will never completely pay off this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX, XXXX and Transunion credit bureaus continues to list XXXX XXXX XXXX XXXX delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, XXXX, XXXX and Transunion credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet 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
Consumer complaint received 11/25/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing LLC is holding the mortgage for XXXX XXXX XXXX XXXX XXXX, Fl XXXX that unit has been in default of condominium fees for over 3 years. In XXXX 2015 Ocwen filed a motion for default against the defendant unit owner. However, the default has not been entered as of yet that we are aware of. The condo fees are in arrears for well over {$5000.00}. Ocwen is protected by safe harbor. I, as a unit owner in XXXX XXXX, have no protection and am bearing the burden in my fees for this defaulting unit every month of every year this goes on. I am asking the consumer financial protection bureau to do all within its power to get Ocwen to foreclose on this unit and sell it. Other units have sold for well over the {$66000.00} which I believe is the mortgage amount, so there is no excuse for this to continue. By Ocwen dragging its feet on its responsibility for this unit it is causing unnecessary and undue penalty to me, a senior citizen, living in this XXXX condominium association. This is a horrendous situation and should not be allowed to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX I received a credit score from TransUnion indicating my credit score was XXXX. I also received from TransUnion documentation that a civil judgement ( docket # XXXX ) from XXXX XXXX Court had been deleted per my disputed item request. Shortly thereafter I enrolled in the TranUnion credit monitoring program for {$11.00} for a fee of {$11.00} monthly. 
On XXXX XXXX I learned from XXXX different loan processing companies that the above item was reflected on my credit file and that my credit score was XXXX ( XXXX ) as opposed to ( XXXX ) XXXX. After I spoke to a TransUnion representative he assured me the item was not on my credit file and agreed to send me a copy of my credit report. XXXX of the loan processors called me back later on the XXXX and said it was " weird '' that the above item was now not showing on my file but my credit score remained the same. Since then i have learned that my credit score is still reflecting XXXX despite the fact that XXXX more account is reflected as paid and no other derogatory ( derog ) marks have been added to my file as of this writing or within the 30 days since receiving the XXXX score. 
In conclusion, it appears to me that TransUnion reinserted the removed item at one point and may or may not have removed the item despite me previously proving the item to have been satisfied thus the deleted notice from TransUnion. It also appears that TransUnion did so maliciously because I cancelled my subscription with the company. Apparently, based on the options provided by CFPB, this is not the first time credit reporting agencies have reinserted previously deleted items onto consumer 's credit files.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: Despite learning of the massive personal data breach in XX/XX/XXXX, Equifax failed to notify the general public until this week. Using the website Equifax set up with respect to this matter, I confirmed that my personal data may have been compromised as part of this breach. As a credit monitoring service and credit reporting agency, Equifax has a fiduciary duty to protect our personal and financial data, a duty which it clearly failed to fulfill. 

From XX/XX/XXXX to XX/XX/XXXX, I subscribed to a credit monitoring service offered by Equifax. Per the billing history reflected in my Equifax account online, the total fees I paid to Equifax during that time frame were {$1100.00}. 

I have already contacted Equifax by social media channels and via their customer service portal on its website but have not yet received a response to either.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX XXXX, there was an account opened through XXXX XXXX that was opened in my name. I was unaware of this account until XXXX when I checked my credit score and saw it. The address labeled under the account was not mine and has become a closed liability on my credit score. I request that this be removed from my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other fee

Complaint: Received CITI XXXX Card monthly statement for billing period XX/XX/XXXX-XX/XX/XXXX. Balance $XXXX and payment due date XX/XX/XXXX. Submitted total balance payment of ($XXXX)  with additional $XXXX for transaction not reflected on the statement on XX/XX/XXXX. Credit card acknowledges receipt of payment on XX/XX/XXXX However, the following month XX/XX/2015, i received another statement indicating a balance. CITI continues charging me interest rate on XX/XX/XXXX for the amount of ($XXXX). Charges are unacceptable, and credit card representatives do not listen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card. Thank you for your assistance

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 02-11-2017 about Credit card () with CITIBANK, N.A. (LA).
Issue: Late fee

Complaint: This is the second time this has happened to me. 
I received my monthly statement from home depot which has a due date on the XXXX day of the next month. I usually pay at the local store on or before the XXXX of the month, However, i paid by us mail on XX/XX/2017 for the due date of XX/XX/2017, total bill of {$27.00}. On XX/XX/2017 I received a notice that my account had been assessed a {$26.00}. late fee plus {$1.00}. interest. The {$27.00} was posted XX/XX/2017. 10 days from XXXX XXXX to XXXX XXXX -- XXXX did better. . interest on what???

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-05-2016 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The bill with XXXX was my fathers who is dead I only lived at the house with them but never had a electric bill in my name in my life, when my parents died they put the outstanding bill in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Huntington Bank ( XXXX branch ) refused all efforts to withdraw funds as directed. I lost the purchase of property located in Texas. 

This bank ca n't account correctly. Essentially they stole thousands of dollars from me!

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Private student loan) with NELNET, INC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: FIR ST MARK SERVICES   XXXX   XXXX   XXXX .     D ear First Mark Services : You have not provided proof of the student loan. In you documents you said I received the loan at the   XXXX     XXXX   XXXX . After further inquiry, you must provide me with the original origination papers and contract documents as I requested from you earlier. I also stated to you that the information you provided to  XXXX   XXXX  is fraudulent and I asked you to stop, provide proof and verify these things.     You can not service this loan. I asked you to provide this information to me and you did not. The original documents must include when the account was 'charged or written off ' because you list these accounts date opened in  XXXX  and  XXXX  that  is twenty year s ago.     You can not report this to  XXXX   XXXX  because I identify it as fraudulent. You continue to report it to the agency and I will report you to the student loan ombudsman office and Dept of Justice for unfair, deceptive acts and practices.     You should also check online to see that private loans are not eligible to be listed as federal student loans for re-couperation in the federal guarantee loan system.     Please check your records and send it back to  XXXX .       Regards  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Medical) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CT).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I have a wells fargo account. They are always putting the transaction between 2-3 says after the purchases or payments. For example every week they are supposed to post my car payment, at the beginning they put they payment the fridays, now it not appears in my account until Tuesday. The same with my cellphone bill, at the moment of the payment they post it in the account, an hour later is gone and again it takes 2-3 days to post it. I 'm always cheking my account to avoid negative balances, but I know that they can do better posting transaction faster. This kind of behavior affects my account sometimes with fees or insufficient balances wich is not fair. I dont think I 'll need to keep an eye in my account all days to avoid that kinds of fees or negatives. The fee thing just happens once and they give me back the money because was my 1st one, but I do n't want to wait to another one so they dont give me back that one.

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