milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/31/2015 about Debt collection (Auto) with Keith D. Weiner & Associates Co., L.P.A. (SC).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I leased a car in 2008 from XXXX. I lost my job and was unable to make payments and returned the vehicle. The law firm of Kieth Weiner and Associates in XXXX Ohio began trying to collect on the reminder of the debt. I paid approximately {$5700.00} towards this debt to their firm. I still owed an additional {$2700.00}. A lien was put on my bank account in this amount leaving me {$450.00} to take care of my financial obligations. In the state of Ohio {$420.00} is protected in consumer accounts in these situations. I am however a legal resident of South Carolina and have been for almost a year. South Carolina residents are guaranteed {$5000.00} in protection. I informed The Keith Weiner Law firm of this several times and they refused to release my funds. They told me their attorney said that they could take the money but that they were willing to settle. I knew that they would have kept the entire amount if they were legally able however with all of my money in their hands my only option was to settle or borrow money to hire attorneys to fight them. I had children to feed and they knew it. This was a case of lies, extortion, and blatant disregard of the law. I settled for {$1200.00} but did not sign anything. My bank charged {$100.00} in legal fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: IC System is attempting to collect a debt I do not owe. They are stating that I owe XXXX XXXX XXXX {$110.00}. I am a current customer with XXXX XXXX XXXX, and have been consistent with my account for years.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There were several accounts listed on my credit report that 's inaccurate and has hurt my credit scores. I have on several occasions disputed alleged late payments on my credit report. These companies have yet to send me. 

Section 168 of FCRA law ( s ) info on report does NOT match my records. I demand this item to be Updated to Paid as agreed, never late from my credit report ASAP. 
The below listed Late Payments that are being reported within my credit report is inaccurate account information. I have never been late with my payments of these accounts. It is not clear to me how these late payments could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains these late payments are incorrect payment history information. Under Section 168 FCRA this Late Payments Dated does not match my records nor the original creditors records to what reflects on my credit report, there-fore this item MUST be deleted and UPDATED under this law. The late payments never happened!

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: There is a comment on my mortgage from XXXX XXXX that I disputed my mortgage. I never made the comment. I called Equifax to request the information be removed and was promised that it would be immediately removed. I received an email from Equifax on XXXX/XXXX/XXXX which provided a link that would allow me to see a credit report without the dispute information. The report still contains the disputed information. I called Equifax and spoke with a supervisor named XXXX ( ID # XXXX ) who stated that the information was removed but he could not give me a new link to a correct credit report. I pulled a credit report through AnnualCreditReport.com which still showed the disputed comment and now has added a comment that the mortgage was modified. I call Equifax a second time and spoke with a supervisor named XXXX ( ID # XXXX ) who explained that he could get me access to the corrected report if I paid for the Equifax XXXX XXXX. He then signed me up and charge my credit card a {$6.00} reoccurring fee. I pulled the report through this service which does not show if there are any comments, it is only a summary of the account. I called Equifax a third time and spoke with a supervisor named XXXX ( ID # SCC ) who said the disputed information is not on the credit report, but she would not cancel the Equifax XXXX XXXX and would not provide me access to an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AL).
Issue: Unauthorized transactions or other transaction problem

Complaint: Sent a wire to coinbase on Tuesday. Called my bank and confirmed it was accepted but the funds are still not in my usd wallet in coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: XXXX XXXX, XXXX Transunion Gentlemen : Please be advised that as a result of my continual efforts to get my credit bureau file corrected, the following issues have not been adjusted : 1 ) XXXX XXXX is still showing a balance on my account. I have attached my communications with XXXX XXXX ( see attachments ) since my last dispute, however XXXX is the only party not removing their account from my credit file. Based on my opinion this appears to be a form of EXTORTION. I had someone dumped into my credit file and XXXX rectified that issue, except for the charge offs. I have gotten all the charge offs removed except XXXX. Please note that only my name can be used to apply information to my credit file and I recently had a fraud alert placed on the account. This issue has created a hardship for me in many ways, including much higher premiums that are not justified! If necessary I have the original envelope and letter that can be scanned and forwarded electronically, that backs up my claim. Please let me know if this is required. 2 ) There are closed accounts still showing from years ago. 3 ) Recently, I used {$500.00} to {$600.00} in credit card usage, well within my credit limit, and suffered a 30 point credit score loss. It was paid within the allowable timeframe and has not been readjusted to the original credit score. Is someone trying to extort something? Please review my issues above and correct my credit file and credit score to more accurately reflect my payment history and credit standing.

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 04/17/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX turned our account to Select Portfolio Servicing in XXXX between XXXX of 2016. No explanation why our account to Select Portfolio Servicing.SPS Office has no idea what they were doing to read the system. I answered the system to accept the monitor on recording our conversations. SPS told me that they will not accept our personal check toward the Principal. They requested us in writing to ACH Withdrawal and I faxed them and they were supposed to add Property Tax into Escrow has not set up. I faxed again to requested the ACH withdrawal {$800.00} and set up on due date every XXXX of month. Since We were with XXXX XXXX. Select Portfolio Servicing, did not set up and without us knowing that they went ahead withdrew on XXXX of XXXX XXXX which i was charged by my bank and my bank overdrawn fee refund back in. SPS Office admitted mistakes on recording and supposed to credit it back in our acct. They withdrew {$700.00} on XX/XX/XXXX not following my instruction that i requested {$800.00} on XXXX each month. They keep asking me to send in writing to request again. I was so angry with them keeping asking in writing. I faxed few times to them for requested to withdrawal on due date and extra money to principal and escrow account. Select Portfolio Servicing Office these people do not know what they are talking about and I feel these people has no knowledge about our account history with XXXX XXXX. I was supposed to receive the lower interest by XXXX from 6.4 % to 6.1 %. SPS has no idea what I was talking about and they do n't even have no clue and said that the system shows. I feel there is something is not right and I do not know why XXXX turned our account to other companies that are working under the XXXX?? I believe there is a lawsuit against XXXX and I feel someone needs to investigate this company Select Portfolio Servicing.I want this solve the problem with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Re : XXXX XXXX XXXX XXXX Account Ending XXXX Last Four of SS : XXXX I opened my XXXX XXXX XXXX XXXX the first part of XXXX, XXXX and applied for this card specifically because of the rewards. 

**Earn 10,000 Membership Reward points after you use your new card to make {$1000.00} in purchases in your first 3 months** I made well over {$1000.00} in purchases in the first several weeks alone, and 20,973 points were finally posted to the account on XXXX XXXX, XXXX ( note that these took nearly two months to post ). When I tried to redeem the points for a gift card on XXXX XXXX, XXXX, a message popped up that said the account was under review. I have since spoken with numerous people at American Express and received different answers as to why, but the last person with whom I spoke advised that since I had returned a few items, the account was flagged. Furthermore, I was advised that every time I go into the account to try to use the points ( that still show as valid!! ), their system automatically resets a 6-8 week timeframe in which Im unable to use the points ( points that I have earned ). That would have been good information to post on the account! 

My purchases since opening this account in XXXX, XXXX have totaled {$6600.00} and I have paid {$5900.00} on this account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I used this credit card exclusively until about 1 week ago and will not be using it until this matter is resolved. 

I would like the hold on these points removed immediately and would like to redeem the points which I have earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am XXXX XXXX and need a forgiveness from XXXX. Ihave been told by them there is no guarantee they will cancelmy loans. What should my next step be concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am a parent. I made XXXX direct plus loans for my youngest daughter to attend XXXX University. I actually consolidated these loans under XXXX, but they since changed to XXXX XXXX then to Navient they are once again individual. I wanted to consolidate them again but Navient insists that I have a co-signer. Why? I already have the loans why would I need a co-signer to consolidate? 
When I started paying these back my balance was XXXX. It is now XXXX. I have not missed a payment in nearly 5 yrs to the tune of XXXX dollars. and my balance goes up XXXX? This company is stealing. How can they be allowed to do this? 
I fully understand they are in business but really almost XXXX dollars and the principal does n't go down. I 'm trying to pay for an education not a XXXX XXXX or a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I had online mortgage payments set up with Ocwen, and had been paying for several months without an issue. Suddenly, Ocwen told me that my XXXX payment had been late and that they would charge me a {$19.00} late fee and report this to the credit bureaus as a late payment. I was incredibly dismayed, as I was certain that my XXXX payment had been made on time. I then examined my account on Ocwen 's site, and I found that someone in Ocwen had changed the XXXX digit of my checking account number so that the ACH would not go through. As the site had shown my account number in an " XXXX '' format, I had assumed the information had not changed from the previous month - but in fact, someone at Ocwen willfully modified this to cause my late payment. 

I then brought this to the Ocwen Ombudsman 's attention, and the issue has since been resolved, where my {$19.00} was refunded and XXXX payment is shown as current with the credit bureaus. However, I wish for the CFPB to know about this deceptive, fraudulent and abusive practice at Ocwen - as I know I am not the only victim here.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: I made a payment for my installment loan via EasyPay Finance and to my surprise, it has not been processed yet. I did, however, receive a confirmation number but even then the payment has not reflected on my account after 2 days. I spoke to XXXX representatives already and only XXXX was able to help but was n't too professional either. The problem here is that if I made a payment on a certain day then it should be processed for that day. It seems to me as if EasyPay/Duvera Financial is just trying avoid payment to cause a delay purposely to see what they can get out of it. I have proof of everything I record everything I do when it comes to them for safety reasons. Anything I can do to resolve this matter?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Bayview Loan Servicing has provided fraudulent Documentation of Notes and Deeds, Holder Status and broken Chain of Assignment. BAYVIEW LOAN SERVICING LLC HAS FAILED TO DO THE FOLLOWING 1. ) BAYVIEW LOAN SERVICING LLC has failed to implement processes to ensure that Servicer or the foreclosing entity has a documented enforceable interest in the promissory note and mortgage ( or deed of trust ) under applicable state law, or is otherwise a proper party to the foreclosure action. 2. ) BAYVIEW LOAN SERVICING LLC has failed to include a statement in a pleading, affidavit of indebtedness or similar affidavits in court foreclosure proceedings setting forth the basis for asserting that the foreclosing party has the right to foreclose. 3. ) BAYVIEW LOAN SERVICING LLC has failed to set forth the information establishing the partys right to foreclose as set forth in XXXX in a communication to be sent to the borrower as indicated in XXXX 4. ) BAYVIEW LOAN SERVICING LLC has failed to comply with the following : If the original note is lost or otherwise unavailable, Servicer shall comply with applicable law in an attempt to establish ownership of the note and the right to enforcement. Servicer shall ensure good faith efforts to obtain or locate a note lost while in the possession of Servicer or Servicers agent and shall ensure that Servicer and Servicers agents who are expected to have possession of notes or assignments of mortgage on behalf of Servicer adopt procedures that are designed to provide assurance that the Servicer or Servicers agent would locate a note or assignment of mortgage if it is in the possession or control of the Servicer or Servicers agent, as the case may be. In the event that Servicer prepares or causes to be prepared a lost note or lost assignment affidavit with respect to an original note or assignment lost while in Servicers control, Servicer shall use good faith efforts to obtain or locate the note or assignment in accordance with its procedures. In the affidavit, sworn statement or other filing documenting the lost note or assignment, Servicer shall recite that Servicer has made a good faith effort in accordance with its procedures for locating the lost note or assignment. 5. ) BAYVIEW LOAN SERVICING LLC has intentionally provided us through XXXX XXXX XXXX, Bayview Loan Servicing LLC, Consumer Financial Protection Bureau and the United States Mail, multiple fraudulent deeds and fraudulent notes in responding to complaints. Therefore, XXXX XXXX XXXX trying to trick us and the Consumer Financial Protection Bureau into believing fraudulent deeds and fraudulent notes are authentic because XXXX XXXX XXXX provided them through the CFPB but they are not. 6. ) BAYVIEW LOAN SERVICING LLC has failed to ensure that mortgage assignments executed by or on behalf of Servicer are executed with appropriate legal authority, accurately reflective of the completed transaction and properly acknowledged.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: ON XX/XX/XXXX Receivables Performance XXXX a collection agency reported a debt on my credit reports that somebody who stole my identity owes them. The original creditor the collection agency purchased the debt from is XXXX XXXX. They state the unpaid date of 1st delinquency is XX/XX/XXXX and balance as of XX/XX/XXXX is {$1600.00}. I disputed this with XXXX and other credit reporting agencies and clearly stated that this is not my debt. I never had service from XXXX XXXX in my life neither have i ever lived at the address linked to the XXXX XXXX service that was unpaid by the identity thief. Still XXXX has wrongfully concluded after I sent them proof of my real address that never had service from XXXX XXXX and i quote " We verified that this item belongs to you '' and instructs me to contact the collection agency. Last year i put a fraud alert on my file when i first became aware that my identity had been stolen and used to acquire services.these agencies are failing to protect me

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 07/19/2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: They called me at work told me they have won a judgement against me and a court order seizing my bank account and that my direct deposit will be denied and if I have any outstanding payments on the account they will be declined. I was told if I gave them {$450.00} by credit card right then they can begin the process of unlocking my bank account and send if I send them a check in the amount of {$4000.00} within the next seven days they would release the lock and not seize the original debt of {$12000.00} and would send me a letter of the debt. I did but my family said I was scammed and I talked to a lawyer and should them the letter and he advised that indeed I was scammed. They can not collect on a debt from 1995 and the tactics used were unlawful and to call my credit card company and have the charge reversed as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Inquiries on my TransUnion report were removed and re added to my report without notice or explanation. 
NAME OF COMPANY : INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUNTRUST BANKS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

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 12-05-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ME).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: I accidentally Tried to pay my Bank of America Credit card bill with my Bank of America XXXX account which had a XXXX  balance. When I realized my error moments after doing it I cancelled the payment by hitting the " cancel '' button on the portal. I assumed that this would fix the problem. I then noticed my account having been overdrafted. I then called the XXXX  and they said they would cancel the payment and they didnt, now I keep getting overdraft fees on an empty bank account

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