milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was recently shocked to learn that my credit card had been terminated due to either " recent delinquency, '' or a " public record reported '' by a credit bureau. This prompted me to access my credit report through Experian, at which time I discovered that my federal Perkins loan was in default after having been sent to collections. I had never, in any way, been contacted by my lending company, ( Campus Partners, now Hartland ECSI ) - meaning, I never received a Notice of Intent to Offset ( a written notice of the type and amount of the debt when a loan is delinquent ). This notice is guaranteed to me through my rights as a debtor and is described in the Federal Register, under 31 U.S.C. 3716 ( Document Citation - 78 FR 41677 ). Additionally, I never received monthly billing notices regarding this debt. Neither the collector ( XXXX XXXX , XXXX ), lending company, nor educational institution ( XXXX XXXX ) has been capable of telling me the amount that I owe. As I understand it, according to the Policy Direction Memo on Federal Student Loan Servicing from the XXXX Department of Education, this information, along with my Notice of Intent and monthly billing notices, are assets I can reasonably expect within this situation, and yet they have not been afforded to me. 

However, this is not merely or primarily an issue of default, as I am fortunate enough to be in a position to pay off the loan in full ( and have been since the loan fell under repayment ). The real problem has been the damage done to my credit report. I am reluctant to simply pay the debt in total because that might mean forfeiting the possibility of expunging my record of the loan 's default and collection status. Had I received any communication at all - written, electronic, or even a phone call - this loan would never have been sent to a collector or placed into default status. I fear what might have happened had I not been prompted to look into the situation further after my line of credit had been terminated. My hope is that I may pay the loan off in full as quickly as possible and have my credit report restored to its previous condition.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Equifax - reporting incorrect information. Sent proof that balance they are showing is incorrect from collection company Making payments directly to original medical billing per their agreement to do so, not the collection agency. Sent proof, including statements, cancelled checks that payments are being made directly to medical company. Equifax stated investigation all will remain the same even though all information is incorrect and proof was sent stating such.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A wrong address in XXXX. Not mine

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Auto) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have been served with an income execution from XXXX XXXX sheriff concerning a judgement supposedly filed XXXX. It is from an attorney representing Midland Funding , LLC. I have never received a judgement for this. I have written a letter to them requesting a copy of the judgement today. Also, they have taken and amount of {$9800.00} from XXXX XXXX, 2007 and now say the amount owed is {$19000.00}. How can this be? There is no record of a judgement on my credit report either. What do I do?

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: The bank closed and restricted two of my accounts with out any prior notifications and when I called to require about the issue a representive told they had no explanation for why and I needed to contact the security intake team because it was under review. I contacted them several times throughout the past month and I am sent directly to voicemail. They charged a reversal amount of XXXX $ which was deducted from the account without my knowledge or approval and I had XXXX in my checking account. These actions has caused me to be evicted from my place of residence and a lot emotional, physical, mental and financial and unnecessary stress on my family. I have e-mail the CEO of the bank and whomever else I contact to get this resolved but no response or results.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 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: Information belongs to someone else

Complaint: My name has been XXXX XXXX XXXX since I got a divorce in the year XX/XX/XXXX. I married XXXX XXXX XX/XX/XXXX. When we got divorced I went back to my maiden name which is XXXX. I do not understand how it magically went back to XXXX? Can someone PLEASE help me regarding this matter. Also I have filed a police report as well. 
XXXX Bless Truly, XXXX XXXX XXXX XXXX Born XX/XX/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 11/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The accounts XXXX and XXXX ( ANY AND ALL BANK XXXX XXXX ACCOUNTS ON THE CREDIT PROFILE ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). Bank XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over XXXX of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit XXXX Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now Bank XXXX XXXX is gaming the system to punish me for beating them in the courts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was stolen from XXXX due to their poor network security. They are unable to show in a meaningful way, and indeed do not seem to know per reports thait their website generates random responses when SSNs are entered to check if data was compromised, who was affected. Instead, they are attempting to offer " free '' credit monitoring services that I do not need and are likely just an attempt to bait-and-switch consumers into continuing onto a paid monitoring plan at the end of the one-year period. Their sloppiness in allowing my data to be stolen, which is fundamentally the result of lack of government oversight, has made me spend time placing alerts on my file, and now I will have to continuously monitor my credit reports.

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 02-03-2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I am in the habit of paying my credit cards around the first week of the month. I do this electronically. I was under the impression that this was the correct thing to do, and in 2015 I have consistent records showing a payment to my credit card every month. In some months, I even paid down the cards twice. 

Chase, however, had my due-date set for the end of the month and so paying at the beginning of the month resulted in XXXX late fees. I believe that Chase sets end of month due-dates in order to confuse customers like myself, and this is an abuse of their power over their customers. 

Because I did not notice these late fees until now when I am preparing my taxes, Chase is refusing to refund me the money even though they agree that indeed, I did pay my credit card every month -- sometimes even twice in a month. 

I would like Chase to refund me these XXXX fees from XXXX and XXXX of last year - totally {$80.00}. In addition to my checking account, I have a mortgage currently being held by chase. They need to refund this money in order to keep me as a customer - I will absolutely transfer my accounts elsewhere.

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. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On Friday, XXXX XXXX 2017, I visited equifaxsecurity2017.com to discern if I was affected by the recent information breach. The website confirmed that my information has been compromised and directed me to return at a later date to enroll in their Id protection. Equifax has mishandled my sensitive personal information and exposed my family and myself to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Making/receiving payments, sending money

Complaint: I had to wait 20 minutes ( on hold ) just to get the address I needed to mail in my monthly bill payment. The information I needed did not appear to be available on the website.

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 01/20/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (GU).
Issue: Money was not available when promised

Complaint: Coinbase My account has been locked for over 2 months with no response for the company. Ive sent multiple help tickets and called with no response. 

Coinbase Help ticket number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (FHA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: On XXXX/XXXX/XXXX I was introduced to and contacted Prime Lending Mortgage in XXXX, XXXX. The loan officer I specifically worked with was XXXX. From the start all was well I did everything I was instructed to do in order to get fully qualified by underwriting for the FHA funding. This process of getting a payment installment agreement took about 6 weeks and I had to provide one letter from a child support agency. The problems started when I was instructed to pay the IRS {$200.00} per month when the actual agreement was {$100.00} per month. In short after being fully qualified in underwriting myself and y agent made an offer on a property. The offer was accepted and Escrow was opened with me putting a deposit of {$1000.00}. I was told to use my credit cards for the appraisal, home inspection and termite inspection. On XXXX/XXXX/XXXX i was emailed TRID Milestone was met and Closing Disclosure were ordered and I signed the same day.Things seemed to be moving forward smoothly via email but I never really spoke to anyone at Prime Lending after several requests for phone calls for guidance through this process. As we moved close to the closing date I began to get many questions that were very unprofessional. I have emailed requests for my sons birth certificate, social security card, receipts from XXXX up to XXXX, air flight tickets, motel room receipts and many personal items that had nothing to do with my loan already being fully approved in underwriting. XXXX specifically stated that my address was an issue and or credit when they had already approved me 50 days prior. This was a very unprofessional experience. I 've lost thousands of dollars in time and clients. This company lied to myself and the seller of the property and somehow had no solid excuse for denying my loan after being fully approved. In an email from XXXX it is stated that I will be fully refunded and so far I have not heard from anyone on staff and my calls or emails are not being responded to. My credit has been destroyed do to the instructions of this institution to close XXXX of my credit card accounts in which I later leaned was not legal or professional advise. Prime Lending in XXXX XXXX used an excuse of me having ownership in a property in XXXX XXXX XXXX that I lived in for 8 years as an excuse to say that why I was denied. I was not able to prove to them that the property was not mines nor should I have had to produce such documents when the lending company could have checked for themselves. There are so many things that happened that wronged myself and my rights that I can not put it all within this complaint but I am seeking legal information on how to proceed in filing a civil matter for discrimination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Debt collection (I do not know) with Express Cash Mart Management (WI).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Vehicle loan or lease (Loan) with CONSUMER PORTFOLIO SERVICES, INC. (MD).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: My loan began  XXXX   XXXX  with a 42 month term at {$420.00} per month. They were harassing via telephone for late payments, called several family members telling them what was going on and asked to relay messages ... on top of that.. my loan matured almost  2 two  years ago. Im still paying for the insanely ridoculous interest amounts and get over fees. My original loan amount was a little over {$13000.00}  ..  as of  XXXX   XXXX  I have paid over {$25000.00} plus another year of late and high interest payments resulting in them getting more than double of my original loan amount. I am completely dismayed at the inhumane fees assoociated. As I am quite sure, I am NOT the only client of C.P.S. that has been/is a victim to these scammers. I pray no  one  else fall victim.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
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: On  XXXX  purchased  XXXX  products for shipping only.  XXXX  for {$5.00} and the other for {$5.00}.    XXXX   XXXX   Received cr edit card bill on  X/XX/17   , opened statement to review charges. Found the above charges and tow additional charges I did not agree to. They are :  XXXX  FOR {$92.00}  XXXX  FOR {$92.00} On  X/XX/17   , I called the credit card company and the company of the products. I was told I could not have my money refunded because I did not call within the 14 day free trial period. I told them I did not agree to this. I was told I did agree to this when I clicked the " By clicking below I agree to the terms and conditions and am  18+ y ears old. '' However, I never saw any terms and conditions. The terms and conditions did not have a link to go to to read the terms and conditions. However, the credit card company and the products company refuses to refund {$92.00} and {$92.00}.

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 04/15/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In XX/XX/2016, I was the victim of credit fraud. Thieves stole my personal information and opened a credit account with XXXX. XXXX cleared the information from my account but the hard inquiry still remains on Experian 's credit report. Also attached is the police report filed with my local XXXX XXXX Police Department.

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 12/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Unsolicited issuance of credit card

Complaint: I received a credit card from Bank of America that I did not request. 
( card # XXXX ) Exp XX/XX/2020 )

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 10/24/2015 about Bank account or service (Other bank product/service) with Empowerment Ventures, LLC (OH).
Issue: Deposits and withdrawals

Complaint: I been a customer of rush card since 2009 I never had a problem until now I XXXX XXXX to my account now XXXX weeks later my account balance is XXXX I call every other day and they take my information and say they will call me back but no call

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I spoke ro capital one about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Back in XX/XX/XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XX/XX/XXXX ; however, the school was shut down and no longer accredited. Step 2 : What type of problem are you having? I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XX/XX/XXXX,  currently back in school pursuing another degree at a XXXX  college. Step 3 : What happened? The Board of Education did not recognize XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. Step 4 : What company is this complaint about? XXXX XXXX, CA Step 5 : Who are the people involved? I currently owe money to NAVIET ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Auto) with TCF NATIONAL BANK (NH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am not a minor. The bill collector called my parents and told them I was behind on my car and how much I owed. I contacted the company and advised them that they violated my right by calling a number they were previously told not to call and then have out my private financial information. They just did the same thing again. So they have been told multiple time not to call my parents, they still have, and now on two occasions have discussed my personal financial information and debt with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Debt collection (Payday loan) with Concord Resolution Inc (Closed) (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Continue to get call regarding a payday loan debt which I never took out. They continue to harass despite a request for a validation of debt. They also have started calling my family

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (I do not know) with Midwest Recovery Systems (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i received an update on my credit report and I now have a collection reporting from a company names MIDWEST Recovery. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this 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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX XXXX  in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.

Company response to consumer: Closed with explanation