milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MB FINANCIAL, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: ( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied XXXX these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I am being overcharged for interest

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Wrong amount charged or received

Complaint: I bought two currencies, one for XXXX, and one for XXXX from coin base, coinbase.com took the XXXX and XXXX dollar deposits from my bank, and also another for XXXX ( a double withdrawl) which overdrew my account right before I was paying rent. I complained to my bank XXXX, so they started a fraud examination, and returned the money to my account, but now my coinbase.com account is locked by a bot, and i have sent many many emails, and no response, just automated actions that have frozen my account. I have tried to pay the balance to restore my account , but each time I submit for payment, the balance goes to XXXX, and it does nothing.

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. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I inquired on inquiries desired to be deleted because someone is fraudulently using my personal information to apply for credit and the customer service rep would not help and take care of removing the inquiries reporting to my credit report.

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 05-10-2017 about Debt collection (I do not know) with Progressive Financial Services, Inc. (MS).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: This company has continually tried to call my phone and say they were calling me about an important business matter.  One woman c alled today and I answered the phone and asked her what the call was pertaining to and she hung up in my face. Then I call back and ask the same question and the lady was ubseenly rude and told me that she needed my whole social security number. I told her I do not give that information out over the phone and that I had previously had my identity stolen as a kid. She sais, '' we will continue to call you until you give me your social security number. '' I said, '' then take me off the call list '' and I hung up on her. Also, when I called back I heard the automated system say progressive financial.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (UT).
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 never been late on my  XXXX  accounts, they were always included in forbearance and deferments. They continue to show as extremely late on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: As of XXXX/XXXX/2016 my injuries were removed but upon pulling my recent credit report today i see that they have returned. I would like this removed immediately.

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 04-06-2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: The lender continues to attempt to collect on the debt without validating the debt after I sent a formal request. They continue to violate the Fair Debt Collecting Practices Act. The are also continuing to charge interest without substantiating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed the credit account multiple times and the account still remain on all XXXX of my credit profiles. I have also obtained a police report stating I was a victim of identity theft. I have asked for this account to be removed numerous amounts of times but to no avail. Please help me remove this inaccurate information from my credit file as it is affect my life as well as my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (WA).
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint: You mishandled my information, which puts me and millions of other people at risk. I am listed as a potential victim according to your XXXX website, and I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Closing/Cancelling account

Complaint: My Amazon Store Credit Card with Synchrony Bank was closed by the creditor due to having XXXX returned payments within a 12 month period. However, I contacted Synchrony Bank to advise XXXX of the payments in question XXXX was returned due to no fault of my own ; but my debit card was compromised because of fraud. I got a letter from my bank as they requested to confirm these details, but they refused to re-open my account AND more importantly they have now reported my account closed by creditor which has effected my credit rating.

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 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Experian refuses to remove XXXX XXXX XXXX from credit report. XXXX XXXX XXXX sold our lien during chapter XXXX Bankruptcy to XXXX lending who became XXXX XXXX loans. When XXXX XXXX XXXX sold the loan they sold all rights as the obligator of the loan. At that point the payments were made to the new lien holder. Had we defaulted the new lien holder would have acquired the loan as the new lien holder received the discharge by being the registered party with the trustees office at time of discharge. By law XXXX XXXX XXXX transferred the rights to the lien and discharge just as when XXXX XXXX XXXX obtained XXXX home loans XXXX stopped reporting our good credit with them and as XXXX XXXX loans acquired XXXX lending the information. About XXXX disappeared. When XXXX purchase the liability of the loan XXXX XXXX XXXX was no longer involved in the bankruptcy. XXXX XXXX XXXX need to be removed because two collectors can not lay claim to the same lien amount for the same obligate. When the trustee awarded the discharge it was to the lien holder at the time of discharge. When XXXX XXXX XXXX optioned the bankruptcy court for approval to sell the lien the rendered their right to the Discharge.

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 06-12-2016 about Credit card () with IMC Capital, LLC (CA).
Issue: Unsolicited issuance of credit card

Complaint: I received from Notable Capital of XXXX AZ on XX/XX/2016 a " Platinum Lease Card '' which I did not request. This card contains a full 16-digit card number, effective and expiration dates, my name & a magnetic strip on the reverse. It is accompanied by a letter showing available credit of {$150000.00} with a phone number and code for activation of the card. 

I never authorized them to send me offers of credit nor have I ever conducted business with their organization. It is my understanding that you have no right to send me these kinds of unsolicited offers. I am on the National Opt-Out Registry with the 3 major credit reporting bureaus. 

They should remove my name from their list for any further mailings and remove any information they may have added to my credit record immediately.

Company response to consumer: Untimely response
Consumer complaint received 07/21/2016 about Mortgage (Conventional fixed mortgage) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (AL).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX, 2016, I sold a condo to folks who previously had rented the property from me ( XXXX XXXX and XXXX XXXX ). As part of the purchase contract, I paid the closing costs. As part of the final Settlement Statement, the mortgage loan officer and the closing agent stated by phone and email that if we did not purchase the " optional '' owner 's title insurance policy that the price of the lender 's title policy would increase proportionally. In effect, this practice forces the purchase of a product ( the owner 's title policy ) to the detriment of consumers. I am seeking a refund of this cost ( {$270.00} ) and for regulatory intervention by the CFPB to consider ending a practice that is unfair to consumers. 

The purchasers have given me authorization to file this complaint on their behalf. Thank you for your assistance! 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2016 about Mortgage (Conventional fixed mortgage) with Dovenmuehle Mortgage, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted a payment on line yesterday ( XX/XX/XXXX ) for {$2200.00} for my mortgage # XXXX Dovenmuehle Mortgage Inc, it was deducted from my account at XXXX Bank on XX/XX/XXXX ( routing number XXXX, act XXXX, confirmation number XXXX ), and as of today XX/XX/XXXX at XXXX EST, Dovenmuehle has not received it. I made the payment to count for tax year XX/XX/XXXX, and the money appears to have disappeared into thin air. I checked on line at Dovenmuehle, and there is no record of having them received the payment, I called XXXX at XXXX x XXXX, she does not answer, left a message, and have not heard back. I called Dovenmuehle at XXXX and they deny receiving the money.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TN).
Issue: Problem with the payoff process at the end of the loan

Complaint: My mother and I jointly obtained a loan from XXXX XXXX XXXX Mortgage on XXXX/XXXX/XXXX in the amount of {$6100.00}. I stopped by their office and the lady was very rude stating " It left my office this morning and I could not offer life insurance on your mother ''. She kept my mothers XXXX certificate although she said she could not offer my mother life insurance for this loan. I think that was age discrimination and a joint account means two incomes had to be provided plus my mother putting her car up for collateral. I do not think this company is treating me fairly and they keep reporting to my credit bureaus. My mothers car is available and she should have been offered life insurance on this loan. I am XXXX and only draw a little over {$800.00} dollars that is why they had to have two incomes and collateral. They have had my mother sign contradicting letters and it seems that they twist things around to make them look good and collect the money. The pay off on this loan is over {$10000.00} with the interest. That is more than I make in a year. Can you please help me deal with this company that has cheated and twisted things around so much? Thank you very much and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Trouble during payment process

Complaint: I was astonished once I looked at my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 01/29/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit card or prepaid card (General-purpose prepaid card) with INCOMM HOLDINGS INC. (AL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On  XXXX / XXXX / 2017  I called and told them that my card along with my wallet have has been stolen and my card had been used to make different transactions. They denied my claim stating that they were authorized. They didnt even try to investigate it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/31/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have tried to dispute this account online and Experian refuses to allow me to do so. They have an account for XXXX XXXX on my credit report with the terms and payment history wrong. 

A. The account is listed on my credit report but the account has been closed for over 2 years. 
B. They have that the account is currently 60 days late. The account is PAID IN FULL. 
C. I want to dispute this account and they will not allow me access to my credit file. What is the problem?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Mortgage (VA mortgage) with SERVICE 1ST MORTGAGE, INC. (FL).
Issue: Settlement process and costs

Complaint: I was contacted by a company called Service 1st Mortgage that offered to lower my monthly payments by refinancing and also promised an escrow refund and 2 months off of payments. The process was supposed to take 2 months, but 5 months later we were still working. The day of the closing, I noticed that the paperwork said that my first payment would be due in a month, instead of in 2 months like I was told. My rep, a man named XXXX XXXX, explained that this is because I would get a refund on a month of mortgage payment, so I went ahead and signed. I never received said refund, and when I contacted the rep he at first said that he would look into it, but then stopped responding to my emails and answering my calls. It has been 2 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been paying off my college loan for 21 years. My balance was initially XXXX. It is or should now be {$6300.00}. but Navient capitalized another {$3300.00}. or XXXX % increase on top of the principal. Raising the balance to {$9600.00}. something. I am at the library left the bill at home so the figures are rounded off. I asked them about a month ago to explain how they applied the interest for capitalization. In the literature they advertise to potential students even at this moment is a complete lie. They say that capitalization occurs at the same rate as the interest you have on your loan. Then how come it comes out at XXXX % when the most level of interest on my loans is XXXX or as they put it 3.45 %. I read almost all of the complaint, well really about half of the XXXX complaints in your database, from XX/XX/XXXX back to XX/XX/XXXX and it was about XXXX per day. Just think of it that is just the tip of the iceberg. Because there are probably many other financial victims suffering this abuse in silence. Please help right this wrong. I think I can also contact my Assistant District Attorney in XXXX XXXX CA. As they handle consumer complaints and fraud very effectively. 
Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit card () with TD BANK US HOLDING COMPANY (MD).
Issue: Unsolicited issuance of credit card

Complaint: A target in-store cashier convinced me to open a Target Credit Card when I already had one open as of 2015, and the cashier told me I did n't have one opened in the past. Now it 's on my credit report and now I have XXXX Target Credit Card 's when I 'm not even using the XXXX. I called Target customer service who said that he would close my new card that the cashier opened for me recently and that he would close the card after transferring the owed balance to the old card. That does n't resolve the issue because that 's now on my credit report for a unauthorized credit pull as I was lied to about not having a red card opened in the past when I clearly did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with Ditech Financial LLC (VA).
Issue: Taking out the loan or lease

Complaint: In XX/XX/XXXX our auto loan from XXXX was sold to Greentree. The original loan agreement included insurance for loss of income and we were paying additional fees to have this coverage. Upon the loss of income this past XX/XX/XXXX we contacted Greentree and they informed us that we did n't have coverage. After review of the contract agreement from Greentree they indicated that the insurance was in fact still in effect because it was included with the monthly payment and they informed us to contact XXXX of XXXX carriers for our insurance claim. XXXX XXXX XXXX and XXXX XXXX company. Upon contacting each insurance company, they indicated we were not covered as of XX/XX/XXXX because premiums were not paid. As we have tried to continue with the payment despite the loss of income to Greentree we continue to pay the premium for insurance of which we do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: My account was fraudulently compromised by someone getting my account number and making fraudulent charges for XXXX purchases. I made Bank of America aware of the situation as soon as i noticed large sums of money missing from my checking account. They returned the money to me within 5 days. 2 months later Bank of America took the money back out of my account. After I called to inquire why, I was told that I had looked at my account to often to have not noticed the charges sooner. I explained to them that the small charges such as well {$1.00} did not cause and alarm for me to notice. However the {$100.00} caused a huge alarm and as soon as I noticed this I immediately contacted them. However here we are a month later and im still trying to get back my {$210.00}. The bank has now victimized me twice. First by allowing someone to charge on my account and now with them stealing my money as well. This is ridiculous!!!!

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 07/22/2016 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Arbitration

Complaint: I was a customer of XXXX since XXXX and my account became linked to Paypal credit in XXXX. I called a few time to have my APR lowered and was denied. During this time, my account was in good standing. Recently, I have been undergoing a financial hardship and reached out to all my credit card accounts and was immediately enrolled in hardship programs. Except Paypal credit, they have refused to work with me and only offered me assistance once I am 90 days past due in the meantime my account has incurred late fees and interests and they negatively reported me to the credit bureaus affecting my credit score and adversely affecting my home and auto insurance rates.

Company response to consumer: Closed with explanation