milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2016 about Debt collection (I do not know) with Avant Credit Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: this account is not mine some one open it in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (I do not know) with R J Baucum Enterprises, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know where these XXXX accounts came from but they have a recording call my husband and myself about 4 times a day each. There are XXXX accounts apparently with this company. XXXX was for {$73.00} in XXXX XXXX, 2011 and XXXX is for {$120.00} showing the date as XXXX XXXX, 2011. They call everyday of the week including Sundays.

Company response to consumer: Closed
Consumer complaint received 10/18/2015 about Debt collection (Federal student loan) with Ceannate (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: While the person 's voice did not seem threatening, when I called to offer a payment agreement the person on the other end said he could not accept the {$50.00} per month I offered because there were government regulations. He did of course mention I could be subject to wage garnishment or a lawsuit. He said he could not work with me filling out a form. He said he would have a supervisor contact me, but I have still not received a call. I get the feeling of doom they are not working with me. I want someone to know even though I am contesting this debt I am trying to set up an agreement before I am threatened with a lawsuit or garnishment. I agree to pay XXXX per month. It is what I can afford. Please get someone to work with me. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: After my chapter XXXX BK ( 60 months plan ), I applied a refinancing with XXXX XXXX. XXXX XXXX disapproved my refinancing because my current mortgage Wells Fargo mortgage submit my 12 months payment history in error. Wells Fargo claimed that I was 2 months behind my payments. I have copies of 12 endorsed checks by Wells Fargo first week of each month for 12 months.

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 01/16/2017 about Credit card () with DISCOVER BANK (FL).
Issue: Payoff process

Complaint: I have been a long standing customer with Discover Card. I called to make arrangements for a lower interest rate or to set up a hardship payoff. I was told they could not offer any assistance and that I would need to go through a credit counseling company or that I would need to allow my account to go into a non-payment or default status prior to them helping me. I have always made my payments on time and I think it is ridiculous I am paying XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (LA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: Just to let you know, I just graduated XXXX XXXX XX/XX/XXXX. I recently joined the XXXX XXXX XXXX. The checking account with USAA is my first checking account. Before I left for XXXX XXXX on XX/XX/XXXX, I had my mom added to my checking account so she could take care of bills while I was in XXXX XXXX. She wrote me and asked me about some charges and I wrote her back and asked her to check on them. Then I tried to buy some deodorant and stuff on post and my card was declined. I hurt myself and was able to get a phone privilege to let my mom know I may be recycled due to injury and that I could n't ' t use my card. She told me she called USAA and asked about the charges, and told them I was in XXXX and was n't able to keep calling and stuff to USAA and to not cancel my card til I graduate from XXXX, but USAA cancelled it anyway. They did n't send a replacement card. USAA just left me hanging. My mom read me the letter they sent to the house and it was generic and did n't say nothing bout my card being cancelled or suspended or whatever it was. Then I had to finally call USAA and it was the worst experience that I have ever had. USAA is not a bank for military families. USAA needs to have a better way to help members when they are in XXXX XXXX where communication is restricted. I requested that they send me a card to the XXXX  overnight. USAA said they could n't do overnight. So, I 'm already having a hard time adjusting to XXXX XXXX, home sick, injured, and USAA leaves me stranded with no access to my money. There 's a difference between trying to protect privacy and being uncooperative and unreasonable. At this point USAA is being unreasonable. I even uploaded a copy of the orders I received XX/XX/XXXX, so they see where I am.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Application, originator, mortgage broker

Complaint: Bank of America took over 1 year to deny a loan. They assigned yet another representative on same level as other to assist me. I left a message for his Email to send him further documentation. He has yet to respond. This is why it takes Bank of America over 1 year to make the first level decision. My current representative is XXXX XXXX. Further, Bank of America refuses to allow customers emails for higher level officers.

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 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
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 attempted up get my student loan pay history updated with all   XXXX   credit unions. I submitted to them the deferment approvals for the times where it shows late on my credit report. The accounts are updated with the same wrong informatio n. I had   XXXX   send me all of my deferment request from the time the loans were I consolidated. Each Of the bureaus are neglecting to properly verify and update these accounts. Even after I sent them the information I received from the company they have to verify the information in which they place on my report. Due to lack of proper investigation, failure to verify properly and poor communication, I am requesting that all of the  XXXX  accounts be removed from all   XXXX    bureaus..

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 10-11-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (TX).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have XXXX private loans with Discover Student Loans, I am scheduled to go on XXXX leave next month, and will be on leave for XXXX weeks. I asked that my payments be temporarily placed on deferment due to the change in my pay. Unfortunately, I was told there were no options to be offered. That I would continue to be responsible for the monthly payments. I have consistently made my payments on time for the last six years. This situation will create an unnecessary burden and stress to an already difficult situation. DSL failed to provide any options and their customer service was subpar. I have never encountered such an impossible situation with a lender. This is an extremely difficult lender to deal with. My experience with them has been plagued with issues.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I tried to pay off this loan and they kept giving me excuses why I couldnt pay the loan off. They said I could be charged a fee from my bank because they would have to go through another way for me to pay it off. I kept getting alerts from my bank saying fraud alerts from a general store in XXXX is trying to get money from you. This happened XXXX/2017. This was a {$650.00} loan. The annual percentage rate of 558.4701 % which I did not know about which in total the finance charge would be {$1200.00} at the end I would pay in total {$1800.00} for {$650.00} loan. I tried to pay in full at the beginning but was unable to because they were giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Security Credit Services, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I recently pulled my credit report and noticed that there 's a collection from the agency. I have never been notified of this collection.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AL).
Issue: Fraud or scam

Complaint: coinbase.com, they have defrauded many people of money. The need to give us our bitcoins or money back ( with interest )! No one answers the cellphone attached to coinbases sec filing and the voicemail is full. I tried calling it 100 times in a day, someone kept turning it off and back on, so they received the calls. 

Coinbase.com has committed many counts of fraud and complaints need to be filed or they will just continue to commit fraud. Here is the definition of fraud, let the legal system be the judge : 1 a : deceit, trickery ; specifically : intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right b : an act of deceiving or misrepresenting : trick 2 a : a person who is not what he or she pretends to be : impostor ; also : one who defrauds : cheat b : one that is not what it seems or is represented to be Company information : COMPANY CONFORMED NAME : Coinbase Inc. 
CENTRAL INDEX KEY : XXXX IRS NUMBER : XXXX STATE OF INCORPORATION : DE FISCAL YEAR END : XXXX FILING VALUES : FORM TYPE : XXXX SEC ACT : XXXX Act SEC FILE NUMBER : XXXX FILM NUMBER : XXXX BUSINESS ADDRESS : XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX CITY : XXXX XXXX XXXX : CA ZIP : XXXX BUSINESS PHONE : XXXX SEC complaint center : XXXX XXXX XXXX FBI XXXX ( Internet Complaints ) : XXXX XXXX XXXX California Attorney General : XXXX XXXX XXXX XXXX XXXX District Attorney : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo cost me {$2300.00} and kept home ( double wide mobile home on block foundation ) my off of market for 2 1/2 months ( was under contract ) As seller of home i jumped through all hoops for the HUD loan fro Wells Fargo. They wanted a septic inspection and structural inspection well after due dilligence period was over, 1 1/2 months after being under contract. I had to use one of their septic people to be certified.The septic inspection buyer paid for initial {$400.00} which was dig up lid and pump out, when there XXXX XXXX told me i needen new baffle tee and filed lines pumped out. A new baffle tee was installed 2 years ago and tank was pumped then, house has been vacant for 1 1/2 years. XXXX told me it would cost extra {$500.00}, i told him i did not see the need, he said then it would fail inspection i.e. NO SELL! So i paid the {$500.00} ( can you say SCAM! ). Then 1 week after that the structural engineer said that mobile home did not have enough tie downs ( home was up to county and state code ) and he just happened to know an engineer who has designed a new tie down system that would solve my problem that would be certified just like XXXX was on my septic. The sysytem cost {$1800.00} keep in mind that if i did not use this sysytem it would fail inspection also! Now all work down to be certified, found out yesterday 3 weeks after all work completed that buyer does not qualify for loan!!! NOW I AM OUT {$2300.00}. Why was buyer portion not done first??? Can i sue wells fargo?? Buyer put down XXXX earnest which helps a little ....

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This credit reporting agency will not update my account status to paid in full. Because this account is paid off.

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 07-12-2016 about Mortgage (VA mortgage) with loanDepot.com, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: While working with this lender I have been facing many obstacles from the beginning. The disclosures were not correct when they initially sent them to me with all the incorrect information from what I was sent and they told me to sign them regardless which I knew was not right to begin with. Secondly, I have yet to receive a loan estimate which I have requested a total of 5 times to reflect the accurate amounts and totals. I am given a " fees worksheet '' which is not what I asked for and nor does it provide any of the necessary information I had requested. The loan processor keeps loosing all of my personal and sensitive information that I have provided to them. The loan office, XXXX, refuses to return any calls or e-mails and I also feel discriminated against because he only choose to talk only to my husband and not to myself especially because I am the primary signer. This company has been sending me in circles with this loan process and consistently lacking in customer service on top of it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: They have my address and phone number wrong. They did not have my employer, and took adverse action based upon a hard inquiry check which is being disputed.

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 02/29/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Credit decision / Underwriting

Complaint: Nationstar mortgage continues to harass me to refinance my mortgage relentlessly. I 've blocked all of their phone numbers so they ca n't call me. I refuse their mail ( except statements ) at least once a week, if not XXXX XXXX times. Nationstar is the last company I would want to refinance with, however, I fear, if I refinance with anyone else, my mortgage will just end up back at Nationstar. They are very predatory!!! I just want to be left alone and allowed to pay off my mortgage in piece.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Customer service / Customer relations

Complaint: Dear Sir or Madam, I 'd like to file a complaint against Citi Cards. 

History : On XXXX XXXX, XXXX, my bank mistakenly sent a credit card payment to Citi Cards as part of their on-line bill pay service. ( I may have wrongly checked the Citi Card box instead of the XXXX box as the recipient of the payment. That part would then be my fault. ) The amount of the payment was {$5000.00} On or about XXXX XXXX, Citi 's Payment Investigations XXXX. contacted me to find out what the payment was for. ( I have not been a Citi card holder since XXXX XXXX. ) By going over my bill pay schedule with the Citi representative, we were able to determine that it was a mistake and should have been sent to XXXX cards ( United Mileage Plus Visa ). The woman I was speaking with ( XXXX? ) assured me that it was a common error. 

When I asked if they could just return the money to my bank ( XXXX ), she said that they would have to send me a check instead, but assured me it would come in three or four days, but definitely not more than ten days. That was XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, one full month that they have held a substantial sum of our money. 

I have called Citi three times in the intervening three weeks and no one was able ( or willing? ) to help. There is apparently no way to connect me by phone with their Payment Investigations Dept.. Indeed, even they can not seem to contact the Dept. by phone. All they can say is : " well, it might take as much as a month for that money to get back to you. '' This seems excessive and unacceptable. They will have held on to {$5000.00} of our money for 30 days??! 

I also asked XXXX XXXX to intervene on our behalf since they assured me that Citi had indeed 'cashed ' the electronic funds transfer. But all they did was contact someone at Citi and got the same message as above. 

Any help you can be would be most appreciated. 


Sincerely, 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 11-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do n't have an account with this AFNI , INC . 

AFNI , INC, XXXX, IL XXXX XXXX. 

AFNI , INC claimed that I owned them {$600.00} and reported this account under Collection ( XX/XX/2016 ) with three companies XXXX. This action is incredibly damaging to the consumer credit and damaging my employment opportunities. Most companies these days want to check a potential employee credit reporting before hire.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Mortgage (FHA mortgage) with The J. G. Wentworth Company (VA).
Issue: Application, originator, mortgage broker

Complaint: I received a telephone call from a representative from J. G. Wentworth Mortgage Co. on XX/XX/2016. He asked my questions about the homes that I have been looking at. I told him that the price was {$170000.00}. He asked how much my Social Security XXXX annual salary was. I told him that it was {$17000.00}. He asked was this all my income and I said yes. He did some calculation and told me that I do n't have enough income to purchase a home. I asked him was that true for FHA and USDA. He said that my payments could not be more than {$600.00}. He told me that the most I will be able to borrow will be {$75000.00} or less.

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 08-05-2015 about Debt collection (Non-federal student loan) with Machol & Johannes, LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: On XXXX XXXX I had a lump sum {$1000.00} taken from my checking account from Machol & Johanas LLC. I was never notified of a judgment entered against me in XX/XX/XXXX for a balance of {$2000.00} that was owed to the University XXXX XXXX After being left without a dime in my account I was advised that I owed them {$11000.00} and that unless i entered into a payment plan wiht them they would continue to withdraw my funds. When I asked them what all of this was about and how I was i never notified, i was forwarded a letter that they claimed was served to me in XX/XX/XXXX at an address that I no longer resided at. She did not care simply said that they did have record that the notice was served. So now i dont know what to do ... Im a single mother paying this company {$100.00} a month for a balance that isnt even on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Auto debt) with Byrider Franchising, LLC (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had a car through CNAC ( JD Byrider ) that was since repossessed. For three months in a row, CNAC made hard inquiries to my credit report without my authorization. I did not authorize these inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Mortgage (FHA mortgage) with Kentucky Housing Corporation (KY).
Issue: Trouble during payment process

Complaint: I attempted to pay my mortgage today XX/XX/XXXX. I was told they could only take my XXXX and XXXX payments together. I was also told this would hit my credit regardless and there was nothing I could do. I paid the first of XX/XX/XXXX for the regular payment amount and it did not effect my credit. They are forcing me to take a hit on my credit and as of this day I am not 30 days behind. The 30 day mark would occur the end of business tomorrow XX/XX/XXXX. They took away my option to pay online and over the phone with no help what so ever to avoid the delinquency. I am now forced to mail it off and be 30 days behind because of the refusal from multiple people at the XXXX XXXX XXXX specifically XXXX who had no solutions but to give her XXXX over the phone right then. I have other bills and children to feed as well this is not a realistic plan. They did not care to hear any of it. All interactions occurred today XX/XX/XXXX between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: THE FOLLOWING INQUIRIES HAVE NOT BEEN AUTHORIZED. WHEN I CONTACTED THE COMPANIES THEY TOLD ME THAT I HAVE TO TAKE IT UP WITH THE CREDIT BUREAU. THERE WAS NOTHING THEY COULD DO. 

1.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks XXXX XXXX XXXX XXXX PO # XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX O-NLY 2. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Miscellaneous Reptg. Agencies None provided

Company response to consumer: Closed with explanation