milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Convergent Resources, Inc. (CA).
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 recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX XXXX XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " XXXX '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this collection account to my credit file.

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 01/31/2017 about Debt collection (Credit card) with Resurgent Capital Services L.P. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I am not sure that this company is legit. I have been trying to contact someone for over a month to discuss an LVNV Funding account that is reporting on my file. I have not received any call back despite leaving XXXX voicemails and speaking with many representatives that continue to tell me that there is no direct line to whom I need to contact. I am a bit leary on this account. I want this account DELETED or be able to pay this account off!

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Vehicle loan or lease (Loan) with HYUNDAI CAPITAL AMERICA (FL).
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 was not late with my XXXX XXXX XXXX account # XXXX I was not lat on my payments on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I was late on XX/XX/XXXX but that was because I was hit with hurricane Irma I have paid and made up for that payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 'm XXXX 2017, I was informed by NAvient, that I was being charged a late fee on top of my scheduled monthly payment 131 payment plan. On the recorded line I request that Navient change my due date from the XXXX of every month to the XXXX of every month. To match my auto withdrawal date on payment plan, So that I would n't incur a XXXX dollar late fee. I told Navient I would sue them for not doing as I requested because they are costing me more money than I need to pay. The supervisor XXXX told me he would fix everything by XX/XX/XXXX and credit my account for the past three month my account wrongfull inccured late fees, so I have to call Navient once more to ensure that this is done the first week in XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2017 about Debt collection (Other debt) with ERC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX XXXX SENT A LETTER TO MY HOME WITH MY NAME & ADDRESS TO COLLECT A DEBT NOT OWE BY MYSELF! I THEN TOLD THEM DO NOT SEND ME ANY DEBT THAT I DO NOT OWE PERIOD! FOR A HOME THAT IS NOT MINE WITH THIER XXXX EQUIPMENT AND DO NOT USE MY NAME OR ADDRESS. XXXX XXXX XXXX, XXXX. I FILED 2 COMPLAINTS WITH FLORIDA OFFICE OF FINANCIAL REGULATION WITH ENHANCED RECOVERY CO XXXX COMPLAINT # XXXX. THAT COMPLAINT WAS 6 TELEPHONE CALLS TO MY TELEPHONE NUMBER XXXX WHICH ONE WAS @ XXXX AND SIX DIFFERENT INDIVIDUALS ON THE PHONE NOT IDENTIFYING WHO THEY WERE AND WHAT COMPANY THEY REPRESENT FROM XXXX FLORIDA WHICH I SOON FOUND OUT IT WAS ENHANCED RECOVERY CO  USING A FALSE NAME AS XXXX THEN XXXX/XXXX/XXXX ERC SENT ME A LETTER TO MY HOME WITH A FORGED SIGNATURE OF MY NAME PRINTED AND ANOTHER ADDRESS AS TO WHERE XXXX PUT THERE EQUIPMENT AT WHICH IS NOT MY ADDRESS I CARRY XXXX XXXX SINCE XXXX AND NEVER HAD XXXX @ XXXX XXXX XXXX WS FL XXXX. ALL PARTIES USING MY NAME, MY PHONE AND MY ADDRESS FOR FLAT OUT FRAUD WILL HAVE TO ANSWER! XXXX SHOULD HAVE TAKEN PROPER ID WHEN CONTRACTING WITH ANY INDIVIDUAL WITH THE CORRECT ADDRESS NAME OF THE PERSON THAT THEY ARE DOING BUSINESS WITH. I DID TELEPHONE THEM AND TOLD THEM THAT INITIALLY XXXX XXXX AND XXXX/XXXX/XXXX WITH ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX, FL XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: My complaint is solely with Bank of America ( BofA ) card services. I requested a credit increase on my BofA credit card. The BofA computer rejected it and gave written reasons supposedly derived from the XXXX credit report. However, I got my XXXX credit report which **proved the BofA written reasons were totally false. ** Further, when discussing the rejection reasons with XXXX, their representative confirmed the BofA reasons were false. 

BofA writes " Serious Delinquency. '' Yet, the XXXX report and the XXXX representative see NO DELINQUENCY OF ANY KIND ON ANY OPEN ACCOUNT, and similarly no late payments on any open account. 

BofA writes " Proportion of loan balances to loan amounts too high. '' Yet, the XXXX report nor the XXXX representative sees no such condition. I pay my cards off each month, and most of my charge cards have a {$0.00} balance or close to it. 

BofA writes " Too few accounts currently paid as agreed. '' Yet, the XXXX representative sees no such data. THERE IS NOT ONE SINGLE ACCOUNT THAT FITS THIS BofA 'REASON. ' I provided this information and complete supporting data **in writing** to BofA but they did not address any of these lies contained in their rejection letter. Their complacency in handling this valid complaint with supporting documentation suggests BofA is doing this intentionally.

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 01/13/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (AP).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am a XXXX yr old military spouse living overseas. I work for a credit union and teach college part time. I 'm educated, and proud of my education, but have a huge issue with my final student loan ( I 've paid off 5 others ). The purpose of this email is to call out student loan companies and how they gouge students in the repayment process. Example, my student loan is through Great Lakes. The details are below. 
Original Loan amount : {$18000.00} Amount Paid : {$11000.00} Remaining Balance : {$20.00}, XXXX Those numbers might not mean a lot to you -- but when this loan was taken out in XX/XX/XXXX and it 's now XX/XX/XXXX -- it 's more than disheartening and sickening on how much I 've paid vs. how much is still owed. While my husband and I do ok for ourselves, imagine the younger generation being stuck with a loan such as this after years and years of repayment. Yes, I went into deferment twice, yes I delayed once -- but have been paying solid for several years. You can see that just by the amount that has been paid back. It makes me ILL knowing they are allowed to do this and my balance is not even XXXX penny lower than when I took out the loan now nearly 11 years ago. If anyone needs I would be MORE THAN happy to provide statements for the past several years. 
I 'm not asking for a hand out, I will pay my debts. If I do n't pay -- I 'm at fault. When I 've paid that much toward this loan that only rises ... it 's simply not fair. Imagine if car companies, credit card companies, home lenders were allowed to do this..but for my student loan it 's ok?? 

Thank you for your time,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: My issue is with the holder of my FHA mortgage lo an, Chase Mortgage. They have switched me from one contact to another and from  department to department. They have told me they would work with me after I missed some mortgage payments, then when I tried to get help gave me the runaround. After they finally completed a review based on outdated information they told me that if my situation changed that I could be reviewed again. After my situation changed I began trying to get them to open a new review, but have not been able to make any progress. Instead of being reviewed for FHA homeowner assistance programs I am going into foreclosure.     My father in law bought this home in  XXXX  and the following year I was able to qualify for this FHA loan to purchase the home and put it into my name. My wife and I live here with our  XXXX  children. I had worked for many years running a food truck, but this was a very seasonal business and it was hard to stay afloat. I began missing mortgage payments in  XXXX  and reached out to the team at  Chase for help.  They told me I could apply for a modification, and I completed all of the paperwork and submitted it, but was later told it was denied due to insufficient income. A few months ago I changed professions and started working as  a contractor. My wife has been employed as a literacy coach for 10 years and she makes a good wage. The self-employed contractor job was very slow at first for me, but now things are going good. I have tried to get Chase to take another look at our current financial situation but have run into roadblocks. My designated contac t changes every few weeks. An actual review of the last few months financial information has never been completed by Chase, and I just get the runaround when I call in.     I am now being pushed into foreclosure by  Chase, and feel this is wrong, because Chase is required to conduct a review of my  current and correct financial information in order to assess eligibility for all FHA government loan programs such as modification, partial claim, forbearance, repayment plan or restructured loan.     I am trying to get  Chase to work with me and follow the rules and escalate our file and initiate a review so that we can get back on track with our payments. With the changes in our financial circumstances I am certain that we qualify for assistance, the issue is that Chase has f ailed to give us that chance, and this is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Student loan (Non-federal student loan) with NELNET, INC. ().
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loan has been transferred from XXXX to Firstmark Services ( web-site below ) http : //firstmarkservices.com/ Firstmark is telling me I am not able to make payments via wire transfer from XXXX bank, via online using Debit/Credit card or paypal because I am based outside of US ( currently live in XXXX ). They also tell me I am not able to make payment via phone because my due date on the loan is so far into the future. They can accept payments via phone only if amount is due this month. However, none of this was specified in the original loan documents as my loan can be pre-paid at any moment. Previously I was making my payments via paypal to XXXX before XXXX transferred the loan. 
They also told me they are not accepting payments online and wire transfers on purpose, thereby making it more difficult for me to be able to repay my loan. This situation is surreal, one would think that if I want to make payments, they should be able to take my money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with TOLL BROTHERS INC (VA).
Issue: Application, originator, mortgage broker

Complaint: I bought a house from Toll Brothers in XXXX VA. Toll brothers always recommended us to use their TBI mortgage. I signed up for a rate lock ( at 4 % ) with a promise that TBI Mortgage will renegotiate a lower rate if the rates dropped or if I could find a lower rate else where. The rates dropped really low once and I called them and asked if my rates changed. The agent agreed that my rate has dropped to 3.875 % and he is put in a renegotiation and get back to me in 2 days. He called me back after two days and said that my renegotiation has been declined because I am too far away from closing. at this point I lost trust in the lender and started shopping outside and got an offer for 3.5 % interest rate. I took it to TBI and asked him to match and waited for a week. My agent clearly told me that he will not match it and I should go with the other lender. Now Toll brothers has charged me a 1 % fee since I went with the other lender and not TBI. I never got what I was promised from TBI, then why should anyone charge me that fee?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase is misleading in the withdraw process. Easily accepts funds, yet has insane need for username and passwords to access my accounts. I have {$590.00} in my US wallet. The 2 options to withdraw have completely unreasonable personal info requirements. 
I would like some help in resolving this issue. Username and password into my account accesses several accounts. Never going to do that. 
A more reasonable bank account number and routing number is more acceptable. Some way to target one account. 
Thank you for the help. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Debt collection (I do not know) with The Regional Adjustment Bureau, Incorporated (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The number has repeatedly called asking for information about a family member. The person would not identify themselves or who they worked for when asked. The calls are not regarding any business of my own, but continue. I had to google the phone number just to find the name Regional Adjustment Bureau , Inc. The most recent call was today, XXXX, at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Bank account or service (Other bank product/service) with Blackhawk Network Holdings Inc. (IL).
Issue: Deposits and withdrawals

Complaint: I bought REloadit packs and loaded them to my safe. I tried to pay a bill using their bill pay feature, but it never went through. I opened a second safe and tried again. It did n't go through either. I have been trying to get a refund for these payments since XXXX ( it 's XXXX today ). I have been fed false information by this company and am beginning to think I 'll never see this money again. I have spent about 20 hours on the phone ( all recorded on my end ) and am surprised about his this company is allowed to operate. I have received XXXX refund checks in the past for unrelated issues. 100 % of the time, the refund check got lost in the mail. They take 30 business days for the check to be approved, then require XXXXXXXX business days for shipping. That means after they tell you they 're sending a check, it could be close to 2 months before it 's due date at your door. This is enough time for many people to forget a check was even supposed to be coming. 100 % failure rate makes me believe no check is ever sent the first time around. After you call them back and wait for another check to be approved, they might finally send it. When they do, it is a very small post card style check, which is small enough to fall in cracks or be overlooked as mail altogether. I am now on the XXXX iteration of checks being issued for this refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2016 about Student loan (Non-federal student loan) with J J Marshall & Associates, Inc (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I attended XXXX University from XXXX, I got financial aid to help pay for tuition and stuff. XXXX issues students debit cards to load the unused balance from the student loans into the card. I decided to not attend school anymore and dropped my classes. Last year I got a letter from XXXX saying I owe them over {$3000.00} for the renaming portion of my loan. I lost my debit card soon after I dropped my classes and I never took the or received the {$3000.00}. I tried to explain that to XXXX and they told me too bad and referred to a collection company. I disputed the debt with the collection company and the collection company could not verify the debt and stopped collection activity. It 's been a few months since they could not verify the debt and now I get another letter from a collection company stating I owe the debt again and if I wanted to validate the debt I can but a lawsuit will begin if I ask for validation again. I was under the impression that once the collection company can not verify the debt all collection activity stops. Am I wrong? What do I do?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: In XX/XX/XXXX, I opened a secured credit card with Capital One current amount {$600.00}. Never had any late payments or over limit. Capital One provided free credit monitoring. In XX/XX/XXXX I opened a secured credit card with XXXX XXXX who checked my credit. Capital One credit monitor sent an email stating there was a change in score. On XX/XX/XXXX, I received email from Capital One stating they were sending a new card XXXX XXXX with a tracking number that showed the card had been sent to an address in Maryland. I have never lived in Md. or used an address in Md so I immediately called Cap. One. They said my old card was closed and not to use it. I could not log in online to make payments as usual. They reported the Md. address to all three credit bureaus. I talked to three people one of whom directed me to go a bank and call back. When I called back from a bank I was told to send in a utility bill to prove my address. They could have said that on any phone. On XX/XX/XXXX, I replied to the XX/XX/XXXX email and told Cap 1 to close the account and to send payment statements by mail. A few days later I received in the mail from Cap 1 addressed to me a solicitation to open a new account Towards the end of XX/XX/XXXX I  called to make payment and spoke to gentleman with heavy XXXX accent who refused to accept payment due on XX/XX/XXXX. On XX/XX/XXXX, Cap 1 credit monitor alerted me to change in score. I learned my score went down XXXX points because Cap 1 reported 30 day late payment.I believe Cap 1 did all of this because I opened an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Consumer Loan (Vehicle loan) with Heritage Financial Group, Inc. (KY).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle from Heritage Acceptance Corporation for XXXX. I was having a lot of problems with it so it gave it back to them and decided not to keep it. 
Heritage Accept. reported that I did give it right back to them, However, they immediately sold the vehicle for more than what I owe. Now they are reporting on my credit that I owe them XXXX. They also filed a XXXX in the amount of XXXX. That is not accurate. This is fraud. Now that make me have XXXX. 
unreported income. This is not right. Please help me with this matter of unjust fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/13/2018 about Payday loan, title loan, or personal loan (Payday loan) with TD BANK US HOLDING COMPANY (NC).
Issue: Was approved for a loan, but didn't receive the money

Complaint: Im getting a loan from coumpny and they are not letting me do what i need to give to the loan coumpny to give me the loan this is not right at all i try to ask my bank to let me have full access to my online banking and to let me be able to put check in my checking account by my mobile deospt and still have not aloud me this is why i went with this bank

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Debt collection (Auto) with Overland Bond & Investment Corp (MO).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Deactivated my car whenever I was a day late making a payment, causing me to miss work.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed