milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2017 about Debt collection (Other debt) with ERC (MA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello, I had an account with XXXX back in XXXX. I failed to pay. Now 6 years later, ERC has been harassing me with calls at all times. And now i have a collections on My credit report that was never there ALL these years. The lady is rude and continues to say im sure you have been working and can pay this Off already, aggressively. And talking really XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt.

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted.

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX.

Per a letter I received from the Ohio Bankruptcy Court, no verification was done as the courts do not verify information.

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 05/18/2016 about Student loan (Non-federal student loan) with AES/PHEAA (KY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Student loans serviced by AES. Was told by XXXX that loan could be deferred while in school, indefinitely : The loans were disbursed in between XX/XX/XXXX and XX/XX/XXXX, place into deferment while in school, and knocked out of school deferment while still enrolled in school in XX/XX/XXXX. Loans Placed into forbearance for one year, as I was still in school and unemployed. Credit report thus far is perfect with these loans. Loans knocked out of forbearance deferment early, ( still unemployed, in school part-time ) and I was told to place loans into Unemployment deferral for up to a year. I faxed, the first time, an application, that they processed - three months later, I am knocked out of deferment, again. I receive a letter stating my loans are late, so I call, and fax another form. And another form, And yet another form. The fax number printed on AES letterhead, which was successful for the first unemployment deferral, failed. I was told to use the second fax number listed on AES letterhead. AES, stated AES never received my faxes. Multiple faxes. One would think that, the borrower, whom AES has noted for years, would keep complying, as I did. But, n matter what I did, the loans crept closer to collections, beginning, from AES statements XXXX/XXXX/XXXX first day AES says loans were late ... until XXXX/XXXX/XXXX, the date AES reported loans were XXXX and sent to collections. Meanwhile, before XXXX/XXXX/XXXX, the loans moved closer and closer, as AES said there was nothing they could do except ask for payment, and wait until they received my faxes. On my end, other than submit payment, which financial was n't possible, AES said there was nothing I could do, other than submit, and re-submit faxes. Now, AES says, for some reason, there is XXXX final loan, which can not be saved from default. So ... and now, I am ineligible for federal loans, and will thus be unable to attend the last few semesters of the XXXX program, and ... thus, will begin the cascading fall into further private loan default, as another private loan company moves me out of in-school deferment because I can not attend school without a federal student loan, ... and you get the picture. My federal loans, will hopefully be placed into an IBR program. So far, AES loans are the only loans that moved ( less than 120 late ), " into collections '' ( default ) status ..., All my private loans XXXX originated and disbursed from the same entity - XXXX. AES = default ... whereas other loan holder = current. Kinda strange how AES defaults loans, and the other does not ... In any case, I want to repay my loans, but, AES says it did n't receive my faxes, and could n't help me save my loans through other deferment possibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Solidus Group LLC. (LA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX of Delaware solutions contacted a family member and gave out my personal information, that has caused hardship with my family. Is this a violation of privacy and is there any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: I was a sears credit card holder for over 25 years until today. 2 years ago i moved, and requested an address update with my new mailing address. I use an auto-debit payment to pay my bill, and never really gave much thought to it until i was in sears recently and for the 4th or 5th time, again requested an update to my mailing address. I finally got my first statement today, after 2 years ... to see sears has been charging me a " Late Fee '' on every month for at least a year, more likely longer. {$37.00} a month, hidden and blamed as my auto debit posted to them on the XXXX ... .1 day after my due date. could n't see this, they would n't fix my address, Customer Service refused to take these unreasonable fees off my account, leaving me with only 1 option. Close the account and start complaining to outlets like this to try to get it resolved.

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 02/17/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VT).
Issue: Billing disputes

Complaint: Hello! I am writing you this letter because back in XX/XX/2016 I had made a electronic payment to Capital One for {$150.00}. When I received my next statement in the mail it was showing that I was behind a payment. Finding this to be odd since I was given a conformation number showing the payment had been received, I called Capital one to find out what happened. Capital One first said I closed my account. This was not the case, I explained how I have had this account for years. doing further research they found it was a mistake on their part. They told me it was the person who entered my payment entered the wrong account number. I was totally understanding and the said they would wave the late fee and print me a new statement showing the correction. I sent out a payment of {$50.00} in the mail right after our conversation. Now my next statement comes in the mail. I open it to see I owe more late fees. I call Capital One again. I explain what was happening, they put me in touch with one of their specialist because I ca n't afford to pay the high payment that they say I owe. I explain to the specialist what happened, we make payment arrangements. The specialist expresses how sorry they are that this had happened. She also said I still had {$300.00} on my card I can Use. And told me no late fees will show on my account. Just out of couriosity I try to use my card the next day and my card was declined. Each time I try to settle this matter with Capital one we get disconnected when we get to the part of the convertation where we start to figure out a plan to resolve this matter. This has happened 4 times. The disconnection has always been on Capial One 's part. I am very upset to find Capital One has put this dept in the credit beru. 
Now it shows against me in my credit report. I have written to them trying to straighten out this matter but, I still get disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have attached the letters below concerning this dispute. I am sending you this dispute as an internal dispute and an affidavit. I am only allowing XXXX hours for this investigation to take place and following a response on behalf of your companies. I am distressed. It has been 180 days and you have not responded with any verification of original contract documents. This will be the last and final item I will attempt to send out any letters to make you aware that we will be in court sooner than later. I have attached all the documents. I have recorded all the documents, phone calls, and certified letters Ive sent over to your companies on file so when we appear in court I will be more than estatic to show the judge.

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 08-10-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I did an ACH transfer of {$1000.00} USD to my CoinBase.com account for deposit into my USD wallet there. I followed Coinbase 's instructions and included their reference numbers in the transaction. Additionally, the name and address on the transferring account match the name and address of my coinbase account. On XX/XX/XXXX the monies had still not been deposited to my coinbase wallet although the transfer showed as completed as of XX/XX/XXXX from my XXXX XXXX XXXX statement. On XX/XX/XXXX I made my initial complaint via their online customer service portal. I had tried live phone or chat support however their website indicated that was not available and they steered me to public forums or online web based tickets. I completed a ticket providing my transfer details etc. I received an automated email that same day from coinbase that it would take up to 72 hours to respond. On XX/XX/XXXX I received an automated email from coinbase indicating a high volume of support requests and they wanted me to make a positive response to indicate my complain was still an issue. I did so on XX/XX/XXXX indicate my monies were still no transferred. On XX/XX/XXXX I sent another response to coinbase indicating I would be taking actions to recall the transfer if they did not at least reply to my issue. On morning of XX/XX/XXXX I visited my XXXX XXXX XXXX branch to recall the transfer. The bank indicated it had already been transferred to Coinbase and they could no longer recall the transfer. This afternoon XX/XX/XXXX I initiated this compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am contacted the CFB regarding XXXX XXXX XXXX, FTC file # XXXX. Company was sent 3 dispute letters by me. XXXX never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX & another again on XX/XX/XXXX. Both statements provided by XXXX were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like XXXX who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from Victoria 's Secret/Comenity Bank! I have been asking for a proper debt validation that company has failed to provide. Instead, XXXX lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: hello my name is XXXX XXXX, i had a car around XXXX years at go i sold it, i never had a chance to change it under his name i was busy, he said he ill take care of it and it seems like the new owner left it for some week with out moving it and the towing truck took it and he did n't take care of it and he just let it go. 
Now it is on my record, what can i do to with this case?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Mortgage (FHA mortgage) with NATIONS DIRECT MORTGAGE, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I filed a complaint on my mortgage company a few months ago because they are refusing me any kind of loss mitigation. 
I lost my job for a few months and asked for a modification or loss mitigation. They just keep sending me the application over and over again. 
After I filed a complaint on NATIONS DIRECT MORTGAGE through you, they answered and stated that they are working on it. They again sent me paperwork to start the process, and they never processed it or anything. Now they sent me another application instead of the answer to my modification application. This mortgage company is playing games and are trying to illegally foreclose on my home PLEASE HELP ME

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Billing disputes

Complaint: I paid off and closed my Bank of America credit card account on XXXX/XXXX/15. The payoff was arranged through XXXX XXXX XXXX XXXX. An automatic recurring online charge of {$21.00} from my phone carrier was charged to the account XXXX/XXXX/15, a full week prior to the payoff but BoA never included this charge in the payoff and never sent a statement informing me of this charge. I received a letter dated XXXX/XXXX/15 ( arrived XXXX/XXXX/15 ) informing me of the outstanding balance plus fees bringing my new balance to {$76.00}. I spoke with a BoA supervisor XXXX XXXX who initially told me to pay the original charge of {$21.00}, which I did, and she would attempt to remove derogatory credit from my credit report as well as the fees and interest charges. I heard back from her today and she stated I was responsible for the full balance, which today stands at {$54.00}, the result of fees and interest and if I did not pay the entire amount she would not remedy my credit report. My credit history is excellent and had I received a statement my credit history shows I would have paid it off immediately. I should n't be held accountable for these exorbitant fees and charges due to BoA 's oversight in not including the original charge to the payoff amount in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-02-2016 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: The fees associated with banking at SunTrust are exorbitant. The company is basically committing questionable legal robbery of their account holders. XXXX fee for each item from an overdrawn account and no reasonable amount of time to correct the mistake before being charged.

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 09/30/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My loan is currently serviced by Ocwen Loan Servicing. Ocwen Loan Servicing has failed and refused to act on my request for reinstatement and payoff quotes. The request was made to Ocwen Loan Servicing and to their Attorney on XXXX XXXX, 2015. I tried to make contact with Ocwen Loan Servicing numerous times and was told that they would not speak to me due to the fact that this matter is in litigation and there are certain litigation codes on the file. Ocwen Loan Servicing advised me to contact their law firm XXXXThat law firm can not talk to a represented client. So the bank advises me to talk to their lawyer to remove their litigation codes, but their lawyer can not ethically and professionally speak to a represented person. This is just another example of Ocwen Loan Servicing stonewalling and not complying with the national mortgage settlement. 

My loan number is XXXX state of Florida , County of XXXX XXXX case number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Plaza Home Mortgage has denied my request for a loan restructuring for over two years now siting that the holder of the note will not allow it according to their Loss Mitigation Department. Plaza Home Mortgage is the note holder after some investigation and their admission. I was advised I would receive a face to face interview with a company called ( XXXX ) XXXX XXXX XXXX , XXXX to go over my account and to help save my house from foreclosure. I was told they would contact me and I should just wait. I never received any contact from XXXX, nor would Plaza give a number for them when I called. Plaza then placed my home in foreclosure and is now adding an additional XXXX to XXXX dollar per month onto the balance without clarifying what the amount is for on the statement or in a letter. They have also been returning my payments but siting in one of the denial that my account was not seasoned with payments so they could not restructure the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Payday loan () with ACE CASH EXPRESS, INC. (OH).
Issue: Applied for loan/did not receive money

Complaint: I went into Ace Cash Express on XXXX XXXX in XXXX on Saturday to obtain a payday loan, as I sometimes do when my child support is late. 
The rep there, XXXX, asked me how much I wanted to borrow. I told her that it all depended on when the loan would be due, as I get paid from my job on Thursday ( if a loan is paid during a certain period of time, no interest would be required ). She told me that - if I paid the loan by Thursday, I would n't have to pay any interest. I then told her, in that case, I would borrow {$200.00}. XXXX proceeded to complete the paperwork for the loan. 
After I was approved for the {$200.00} and I signed all of the loan documents, XXXX then said to me, " Oh, you 'll have to pay it back by Wednesday, not Thursday ''. I asked her how much I would have to pay in interest and she stated {$47.00}. I told her ( since the initial information she gave me was WRONG ), that I then only wanted to borrow {$100.00} ( because I certainly do n't want to pay {$47.00} for such a short period of time ). She then snapped, " Now I 'm gon na have to do all this paperwork all over again! '' I told her, " Well, YOU gave me the wrong information about WHEN it would be due! '' She then said, " Well, I thought you would already KNOW since you come in all the time! '' So, because I come in all of the time gives XXXX an excuse to assume that the consumer should know more than SHE SHOULD?? 
So, after XXXX huffed and puffed and proceeded to process the {$100.00} loan, she said to me, " You were denied for the {$100.00} ''. I said, " What do you mean that I was 'denied ' when I was JUST approved for a {$200.00} loan? '' She said, " The computer denied you for the new amount ''. This was all due to XXXX 's error and her need to cancel the first ( approved, {$200.00} XXXX request. So, I had no choice but to leave with no loan - all because XXXX ca n't do her job correctly. She provided the wrong information, then appeared to be totally CLUELESS when the 'computer ' denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has been notified multiple times by phone, fax and website via the dispute link of account ( s ) that are appearing on my credit report due to fraud. They have been provided law enforcement reports ( ie., police reports, FTC , etc. ), dispute letters and other supporting documentation to prove my identity. They have constantly failed to resolve the matter and furthermore investigate. The account ( s ) being disputed as fraud are : XXXX XXXX XXXX XXXX Acct # XXXX ; XXXX XXXX Acct # XXXX ; XXXX Acct # XXXX, supporting documentation to support my claim has been provided to them. They state that " the information means nothing, if the creditor does n't respond they ca n't do anything. '' Time after time, I have disputed the account ( s ) and all the times, I receive a notice the following day stating " update, account remains. '' They are doing nothing to investigate nor help the consumer at all, that is my right as a consumer and their job as a data furnisher and/or credit bureau to investigate and rectify the matter.

Company response to consumer: Closed with explanation