milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/26/2016 about Debt collection (Medical) with JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Hoosier Account Services was the collection agency for a medical debt that I owed that I did not know I had. I was contacted on XXXX/XXXX/XXXX about this debt. After almost 2 years of fighting my insurance company and original account holder, I payed the account in-full ( {$20.00} ). I payed this on XXXX/XXXX/XXXX. Hoosier Account Services continues to not report correct information to the credit bureaus. 

The first item that is reported wrong is the " Date Reported ''. The date that they are giving the credit bureau is XXXX. How could this be when I paid the debt back on XXXX/XXXX/XXXX? Also, It is showing the last payment date as XXXX/XXXX/XXXX. This also is wrong as I paid the account in-full on XXXX/XXXX/XXXX. This could lead to the negative account staying on my account for longer than I am legally responsible for. 

I have disputed this account with XXXX and Hoosier Account Services continues to report the wrong information. They also verified this debt as a " Medical Debt '', which verifying medical account information is in violation of my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I made a purchase in the XXXX Macy 's store for {$8.00} on XX/XX/XXXX using my Macy 's credit card. I returned this item a few days later. I never received a XX/XX/XXXX or XX/XX/XXXX Bill. I thought my balance was " XXXX '' since I never received any bills and I had returned the only item i purchased during that time period. Note : Macy 's does n't send a bill if the balance is XXXX  The moment I received a bill I noticed I was past due and called up right away to see why. This was on XX/XX/XXXX. Customer Service was understanding enough to waive the fees however we were never able to figure out where the {$8.00} was credited back to since it never went back to my credit card. Macy 's customer service was supposed to investigate the issue. They never got back to me. I did n't have that much time to put into the issue since it was only {$8.00}. Now I am trying to get a mortgage and this late payment is weighing heavily on my credit score. I was never aware that this was a derogatory mark on my credit history until a year after. Macy 's never said anything about it at the time either. I have tried to dispute it through XXXX and XXXX with no luck. I 've tried to contact Macy 's. They keep saying they will get back to me in 72 hours which they never do. XXXX said you guys are the best so I am pleading for your help to resolve this. I have also resorted to starting a firestorm on Macy 's Social Media 's account and they still dont seem to care about their customers. I have learned recently that there are many people who are having the same issue as I am. Please Help! Thank you very much in advanced.

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 11/15/2017 about Mortgage (Other type of mortgage) with Ditech Financial LLC (AR).
Issue: Trouble during payment process

Complaint: I have been psying on this loan since 1994. My daughter bought a mobil home and we thought we were only co-signing but turned out to be in our name. a few payments have been missed in the previous 23 years ( maybe 2 or 3 total ) but we are up to date on it now. The problem is the payment is usually 4 to 12 days late and the mortgage has a {$5.00} late fee which is no problem. They charge me interest daily after the due date til they recieve the payment and then the next month they charge interest from the due date again which means I am paying double interest for about 10 or 12 days a month. The original loan was for approx {$35000.00}. but after 23 years the payoff is still over {$25000.00}. Is this legal? 
The loan company is Ditech.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX. This is my second attempt to contact you about several fraudulent accounts that you are reporting on my credit file. I would like to dispute the following accounts as an internal dispute and an affidavit. I am unaware of the accoutns. I was affected by the credit breach and my name was leaked. I have never filed for any bankruptcy and I am unaware as to why it is listed on my credit file. I dont know if you got the wrong person but I am sorry to say Ive never dealt with any bankruptcy. The last time I applied for any credit was in early XX/XX/XXXX. I havent really checked my credit for years since then. The inquiry items are XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX 8. XXXX   XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX   13. XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX XXXX 16. XXXX XXXX XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7.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 non-monetary relief
Consumer complaint received 12/17/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: During the buying processing of a home under construction, we applied to Wells Fargo for a small loan ( {$20000.00} to {$30000.00} ) and was told we would have to pursue an unsecured loan until the home was completed and we actually owned it. We were approved for the unsecured loan, but the actual percentage was higher than what was originally quoted. 

After the home was completed, we then applied for the line of credit loan, again quoted one percentage rate, but first had to have an inspection. The initial bank response was that it would most likely be a `` drive by '' inspection because we were asking for {$50000.00} max for a {$300000.00} plus home. In approximately 2-3 weeks later an inspector came by for a walk through. One week later, we were told that the walk through was n't good enough and that we had to have a full inspection. A couple of weeks after the inspector came through. We were finally approved for a line of credit loan, again at a higher rate than originally quoted. During this time frame, we were paying a very high interest for an unsecured loan. We feel that Wells Fargo intentionally prolonged the processing time in order to collect additional interest on the unsecured loan. 

After the the line of credit was approved and due to the very frustrating process that we encountered, we proceeded to work with another bank and secured a line of credit within four weeks. We paid off the original line of credit amount with Wells Fargo. 

Because we paid the loan off before a three year period, we were told we would have to pay an additional {$300.00} if we closed the account.. We elected to leave the account open. We just received a bill for {$75.00} for the first year period because we were maintaining an account with a XXXX balance. We were told that we would have to pay this amount each year for 3 three years because the account was still opened with a XXXX balance

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 10/13/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: I am filing this complaint against Bank of America in XXXX XXXX, California. 

Yesterday I went to the branch to place my wife 's automobile title into our safe deposit box. A bank manager led me into the vault where we both discovered my box drilled open and my documents and cash removed from the box ( see attached photos ). There were XXXX bank employees in the vault with several plastic bags holding documents from other customers ' boxes. I asked where my documents were and they produced a sealed plastic bag with my documents and cash inside. I asked why they removed my documents from the box and they initially said that it was due to non-payment of the box fees. Then they changed their story and said that they did it because they did not have all my wife 's information. I asked what would have happened had I not shown up to discover this. They answered that they were going to send all the contents to a " holding facility ''. The bank manager who led me into the vault was as surprised as I was. The XXXX employees seemed surprised as well. I said : " Let me get the straight. I come in here to find my personal documents and thousands of dollars in foreign currency removed from my safe deposit box. You have my phone number, my email, my BOA account on your website, and you could not contact me? Had I come in tomorrow all my personal belongings would have been gone. '' My question is : Is this legal? I never received any notice of delinquent fees, nor any notice of my wife 's information being incomplete. They have my physical address, email, my phone number. I use the ATM at the branch weekly. They could have blocked my use and sent me a message to see a bank officer. 

I feel that our privacy has been violated. Among the many sensitive documents in the box, the documents included our marriage license, my wife 's Social Security Card, our parents ' living wills, our Pre-Marriage Agreement and our birthdates and social security numbers. To me this is a direct violation of the trust agreement between us and Bank of America.

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 08/20/2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Toyota Motor Credit has recently submitted negative activity to the credit reporting agencies regarding the status of my paid in full car loan. I paid my vehicle in full effective XXXX XXXX. The payoff was reflected on all three credit reporting agencies effective XXXX XXXX. I received a letter from Toyota dated XXXX/XXXX/XXXX in support of same. This same letter advised of late charges which were assessed during the course of the loan period. Toyota and I are not in full agreement as to the actual amount of these late charges, and I have been writing them letters, starting prior the end of the loan pay-off, to request a proper accounting and explanation of these late charges. Their calculations do not compute correctly. The payment website, which is supposed to reflect current account activity has been and is still incorrect ; stating that I have a balance of {$1200.00} and some change. Not one person at Toyota can explain this to me. They have never responded to my three ( 3 ) written requests, and my countless phone calls. Toyota has also continued to report the late payments as unpaid on XXXX which is not true. They were paid and I have asked Toyota to correct this to no avail. I have filed dispute resolution claims through XXXX, and Toyota will not correct the incorrect information or inconsistencies.
Simultaneously I started receiving calls from the Toyota Collection division after the payoff of my loan to advise me that my account was in collection for an unpaid balance of {$.00} ( cents ). Each time I received a call from their collection department I was told an internal waiver would be sent to accounting to solve the error. I kept getting call after call and having to explain this all over again. Each agent was able to see the activity of the previous calls, apologized for the inconvenience and assured me it would be resolved. None of my requests for a proper accounting have been resolved, nor was the correction to the {$.00} incorrect unpaid balance, and now it has resulted in negative activity on my credit report. I dont know any consumer who is going to simply pay a bill when there are so many ambiguities and inconsistencies in the accounting ; and when individual internal corporate departments of a global company can not explain their own accounting amongst themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 12/25/2017 about Checking or savings account (Other banking product or service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Bank of America continues, to harass me & deny me any account w/ them. They said they banned me from any anything to do with them. Ive tried to solve this matter like 6 times. And they tell me nothing on why they banned me. Id really appreciate a investigation into this thank u. 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 01/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have refinanced through navies and they have been very difficult to deal with in regards to payment options and affordability

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (NC).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: fraud/identity theft/lies/- on XXXX XXXX 2016 I called wellsfargo bank I was reviewing my account and thats when I found an account created by the bank ending on XXXX. I filed a claim the fraud department on same date and they created another account ending in XXXX and I cancelled it immediately on same date and time i never activated, authorized or signed anything. on XXXX XXXX,2016 the credit card solutions executive office. whent and remove/added/changed/all information on the account ending on XXXX and XXXX. And incredibly they put over fifty transactions including multiple duplicate dates on account ending on XXXX that was cancelled on XXXX XXXX 2016. then the account ending in XXXX showed an outstanding balance of {$6200.00} going back to the same as the period account ending on XXXX and they to had over the 50 plus transactions.
Got a letter from executive XXXX XXXX signed by XXXX XXXX stating that they issued a credit and I attempted a balance transfer the review was not complete and the transaction was completed and they rebuild the account and became over the limit and no fee 's were charged and any pmnt amount includes the over the limit plus minimum pmnt. Got another letter from XXXX XXXX XXXX executive office from another analyst and signed by her XXXX XXXX and she states that the account ending XXXX account was open on XXXX/XXXX/2016. So here we have the fraud/lies/theft from the executive office personell. The first letter states very clearly the XXXX account was created on XXXX/XXXX/2016 and closed same day. The the other executive office personel stating that this account ending on XXXX was created and open on XXXX/XXXX/2016.

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 11/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with NATIONSTAR MORTGAGE (IL).
Issue: Trouble during payment process

Complaint: I received my account statement for transaction activity period XX/XX/XXXX toXX/XX/XXXX. The ending account balance was XXXX. 
When I received my account statement for transaction activity period XX/XX/XXXX to XX/XX/XXXX, the beginning account balance was {$14000.00}. A increase of {$3400.00}. I did not do any account advances during this period. 
The company, when contacted can not explain why my balance increased.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I filed a complaint to concerning the credit reporting practices of the XXXX credit bureaus. Equifax , is still reporting my credit score unfavorable, with out any justification supported by the Fair Credit Reporting Act. My Score dropped by over XXXX points, the reason. I use over XXXX percent of my credit card balance. 
I have been working on fixing my credit score for over 7 years, and it has been an up hill battle. I would like to purchase a home however, the unethical reporting practices by Equifax has drastically hindered my progress. 
I need this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: I had XXXX unathorized charges withdrawn from my chequing account and the bank is stating that they find they to be valid since they occured in the country where I reside and also because I had changed my account type a few weeks back before the date of when the transactions occured. I never received any letter regarding the decision, I had to call to get information regarding the claim. I have also made a request to receive a copy of all supportting documentation that the bank used to determine this and they have stated that they are unable to because it 's in a format that they are unable to send via mail or fax.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I have an in-school deferment. While I 'm in school, my subsidized loan interest is being paid for by the government. I want to pay for my un-subsidized loan interest so that my loans will not grow larger by the interest being capitalized. This company does not post the dates that the unsubsidized interest will be capitalized and the amount of the unsubsidized interest amount on their website nor do they send me statement that I can pay. Therefore, I believe they are on purpose keeping this information from me so that they can increase my loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (Conventional home mortgage) with Seterus, Inc. (AR).
Issue: Trouble during payment process

Complaint: - I am in the pr
ocess of relocating, and have been paying my bills on-line. My mortgage with Seterus has always been paid on time, I have no financial difficulties, and on only one occasion has it been paid within the 15-day grace period ( my most recent

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX, I 've been attempting to get Ditech to correct my escrow charges to no avail. I have XXXX Ditech mortgages. Both loans had " lender-placed insurance '' which was canceled per Ditech 's own written correspondence on XXXX/XXXX/2016. However, I continue to be charged escrow for " insurance '' every month since then. ( My loans do NOT escrow for taxes or insurance. There were forced-placed insurance charges earlier in the year due to my condo association losing their coverage temporarily. ) I need my monthly payments to be adjusted to remove the escrow charges, as well as a refund for escrow payments already made. I have emailed Ditech numerous times ; I have spoken to countless representatives that keep reassuring me the escrow issue will be resolved shortly. I 've left several messages on the voicemails of supervisors ( including XXXX XXXX ) -- and have never received a call back. Over three months later, nothing has been resolved. 

I continue to make the full payments ( including the erroneous escrow charges ) to avoid late 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 02-06-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NY).
Issue: Problem adding money

Complaint: On XX/XX/17 I wired {$5100.00} to Coinbase using the reference number they provided me with in my account. My bank confirmed they received the wire the same day. 

I have opened numerous cases with Coinbase, with the first being about 5 days after I wired the money. I have explained in the cases that I never received the wire into my Coinbase account and have included all pertinent information in the cases including wire date, the Federal Reference # and the wire amount. The only responses I have received from them generally come weeks later and are generic responses saying we believe we have resolved all wire issues across our site and you should have your money now. 

I am unable to get a resolution from them or even an update on potential remedies on this matter even though my cases have been escalated to the highest priority.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: AMEX, checked My Credit report without my agreement I called to try an get the agent to removed them from my report. they has me speak to more then one agent to get this resolved. *We are seeking the following to have sir-pressed from public. have Points added back on My Credit Score.    The Following agent ID Number :  XXXX   XXXX   XXXX   XXXX  The agent that submitted the 2nd inquiry on my report.    XXXX   XXXX   AMEX   XXXX   XXXX ,  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  AMEX  XXXX   XXXX ,  XXXX   XXXX ,   XXXX     XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Seeking the sir-press ion of these  two  items

Company response to consumer: Closed with non-monetary relief