milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 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: Old information reappears or never goes away

Complaint: The credit Company is   XXXX   XXXX   XXXX   -  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   I did not apply for this card. I have been writing letters to this company and all   XXXX   credit bureaus for a number of years off and on. There has yet to be a resolution and this company as well as the bureaus have yet to delete from my credit files. I just recently written the companies this past   XXXX    XXXX , 2017 and still getting computer print outs with no validation of signature and who verified the account as accurate.
This negative and inaccurate reporting has been going on for over ( 7 ) years which is past the statue of limitations for the state of Georgia.
This company continues to re-age this information into my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Time for my daily complaint against Experian, they still refuse to investigate my case given all the evidence I have sent them. Their incompetence cost people their livelihood.

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 01/25/2018 about Debt collection (Private student loan debt) with Nations Recovery Center (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was enrolled in XXXX XXXX XXXX XXXX XXXX in XXXX in XX/XX/XXXX. I took a XXXX program for a year. I am being sued by three different debt collection agencies for over XXXX, this school did n't cost XXXX. When I ask for the original document to prove the amount I owe they have't provided it and they also state the loan is from XX/XX/XXXX. I was n't enrolled in the school in XX/XX/XXXX.They are endlessly calling me to settle a debt that I do n't owe this amount. I received {$5000.00} from the state and took out a private loan from XXXX from XXXX XXXX XXXX XXXX. I have tried to contact school but they have closed. I also tried contacting XXXX XXXX XXXX XXXX and to no avail. I do n't know what to do. Company will not forward me any info on the original loan. I was never served with papers that I was being sued or notified of a court date the judgement was just entered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (NC).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: Wells fargo dealer services, fraudulent activity used to puchase vehicle,XX/XX/XXXX XXXX XXXX, fraudulent activity used to purchase vehicle.XX/XX/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 04/21/2016 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (RI).
Issue: Fraud or scam

Complaint: I used Ebay to buy an item. I never received and email seller. Item never shipped per XXXX. I called them to confirm. Seller stated item came back to him damaged but never wrote me. By the time I wrote him I had to buy item locally. I submitted a complaint via their site weeks ago to PayPal. I called after some time passed and was told I would be refunded on XXXX. Never happened. I tried calling twice - both XXXX and XXXX - and sat listening to a recording looop over and over telling me to go to their site for " claims '' The Claims portion of the site tells you NO INFO. the text is tiny and is basically a run around. PayPal states " they have your back '' and seem not too. All they have to do is call XXXX or track the ship # the shipper gave. It NEVER LEFT the building. It never was returned " damaged ''. My money is in limbo for over a month. 

Thank you, XXXX Transaction Details XXXX XXXX Payment Sent ( Unique Transaction ID # XXXX ) Shopping Cart Contents Qty Item Options Price XXXX XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX '' With XXXX ( Price Is For Pair ) Item # XXXX {$15.00} XXXX Amount {$15.00} XXXX Order Description : Shopping Cart Item Total : {$15.00} XXXX Sales Tax : Shipping : {$6.00} XXXX Seller discount or charges : {$0.00} USD Total amount : - {$22.00} XXXX Fee amount : {$0.00} XXXX Net amount : - {$22.00} XXXX Date : XXXX XXXX, 2016 Time : XXXX XXXX Status : Completed Shipping Address : I took this out for complaint transfer to CFPB! 
United States Confirmed Help Payment To : XXXX XXXX XXXX The recipient of this payment is Verified ) Seller 's ID : phin-rich Seller 's Email : XXXXXXXXXXXX XXXX Type : PayPal Funds Funding Source : {$22.00} XXXX - PayPal Account Tracking Number : XXXX Help Carrier : XXXX Order Status : Shipped ( XXXX XXXX, 2016 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2016 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (GA).
Issue: Account opening, closing, or management

Complaint: M & T Bank is giving us a difficult time in rolling my deceased mother 's IRA 's over into a beneficiary IRA at XXXX. It is one road block after another and continuous mistakes and negligence on their part. We completed the necessary forms over 1 month ago and M & T kicks it back to XXXX either saying there are no accounts ( when there are actually XXXX of them ) or they never received the forms ( we have email proof from the XXXX branch manager directly to the M & T Branch manager sending the forms ). They do n't return phone calls to us OR our branch manager at XXXX and we are at our wits end. They are making it impossible to move OUR money from M & T to XXXX. We are dealing with the branches of both banks located in XXXX, Maryland. Please ... we need help! We are being stonewalled and believe it is not just incompetence on M & T 's part, but their intent to hang on to our money as long as possible. I would never EVER keep one single XXXX at M & T.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Other mortgage) with LENDER LIVE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred to LenderLive XX/XX/XXXX from XXXX XXXX loans just a month after I refinanced with XXXX. In my original HUD loan agreement with XXXX it is clearly stated that I wo n't be paying escrow for property taxes as I pay the county property taxes directly. In XX/XX/XXXX XXXX sent me a new escrow statement increasing my monthly payment to include additional/new property taxes escrow. Even though I have made every loan payment to XXXX since XX/XX/XXXX before their due date they are charging me late fees because I refuse to pay them escrow for property taxes ( not in my original contract ). I have spent countless hours by phone/email to have escrow removed, they claim to have removed the property tax escrow but I still get harassing letters saying I am behind on payments asking for late fees with credit score warnings.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/16/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MO).
Issue: Managing the loan or lease

Complaint: I am disputing the estimate for 2015 property taxes from Ally Financial on a leased vehicle. I have contacted the XXXX XXXX XXXX MO tax office and they do not agree with the 2015 estimate that Ally has provided me. Additionally, these funds have not been paid yet by Ally to XXXX XXXX XXXX. So not only is Ally attempting to collect an incorrect estimate, they are attempting to collect a debt that they have not incurred on their end and they are not contractually allowed to collect. I have disputed this in writing, yet they continue to call my cell and office number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2016 about Debt collection (Medical) with Ashwood Financial Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get phone calls and letter for a collection agency trying to collected money for bills who does n't belong to me. I get multiples phone calls treated me of jail. I do not have any medical bills with XXXX Hospital, I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with Halsted Financial Services, LLC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company calls me asking for the name of a person that has never lived in my home. I tell them no such person lives here and they say they will takethe name off the list.The calls stop for a few months and resume again. This has been going on for over 2 years. Now the company is sending mail under this persons name to my address and calling me everyday.No matter what I say, the calls continue

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I received a Best Buy ( Citibank ) credit card in XX/XX/XXXX and was entered into a non disclosed " debt protection '' service that I did not agree to. I have also never received a mailed statement. I 've been receiving random " thank you for being a Citibank customer '' letters but nothing with a balance until recently. In XXXX, I discovered a balance of over {$900.00} on what was originally about {$1200.00}. I was confused because I 've paid more than {$300.00} in XX/XX/XXXX alone. I contacted Citi, who first informed me of this non disclosed service. I called the third party company but, after XXXX times of calling, I would not receive any proof of signing up for this service. I 've contacted Citi and placed my account into dispute, only to find out I was in the wrong type of dispute ( disputed for fraud ). I attempted to contact Citi and was on the phone for over four hours with them as I was being transferred from XXXX person to the next. It was extremely frustrating because XXXX person was contradicting the other and then I 'd be transferred again. I 've been trying to get a payment history and a balance of what my amount should be, minus the debt protection services. I could not receive an answer. It was my belief the credit card should be paid off or close to and I was prepared to pay the balance. Due to the non disclosed service, I was unable to pay the $ XXXX that was due at that time and was " awarded '' a giant interest charge of over {$1200.00}. I 've tried to work with Citi and it seems I 'm getting nowhere. I googled my problem and found numerous other people had the same issue, including a {$XXXX} XXXX payout to Citibank customers ( https : XXXX ) which I was unaware of. In the end, this dispute has delayed me refinancing my house and if this does not get resolved in my favor I 'm not going to be able to because it 's severely hurt my credit score. I do n't know where else to turn and unsure if I should blame Best Buy, Citibank, or the debt protection company. Please Help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/25/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I sent a wire transfer of {$5000.00} to Coinbase onXX/XX/XXXX. They reversed the wire three days later (XX/XX/XXXX ) due to a name mismatch. The money never made it back to my account. I sent several emails, one 7 days after the notice, another one after 14 days, and recently one after 16 days. All I got in response is " Hi XXXX, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' They have still not reversed the wire. I called their bank and they said the money is in Coinbase 's  account. As of now I have still not received my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with COAST 2 COAST FUNDING GROUP (CA).
Issue: Application, originator, mortgage broker

Complaint: I am interested in refinancing my mortgage. The company that originally funded my loan, Coast 2 Coast Funding Group, in XXXX XXXX, California ( later sold it to another mortgage company ) reached out to me about refinancing my loan. I asked them to provide me a Loan Estimate. They then ran a Hard Inquiry against my credit without my authorization. When I questioned XXXX XXXX, my contact, as to why he ran my credit without asking me first, he told me that since Coast 2 Coast was the original company who funded my loan, the authorization I signed in 2015 will allow them to run my credit report at anytime for the life of the loan, without further authorization from me ... even though they sold my loan to another company. I have asked for, and received Loan Estimates from other companies as well, and none of them ran my credit to provide the Loan Estimate. To add more fuel to the fire, XXXX keeps saying that he is " sorry I did n't understand '' and " sorry that this somehow seems confusing ''! Very frustrating and unprofessional. I would like the Hard Inquiry removed from my credit report. I would like other buyers to beware of Coast 2 Coast Funding!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A long time ago I switched my phone services from XXXX to XXXX ( who happens to be owned by XXXX ) to lower my cost. XXXX continued to bill me for unknown charges after my switch. I had no legitimate debt owed to XXXX. I have continued my services with XXXX XXXX for more than two years.

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 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, 2017 I sent a letter to Capital One/ Neiman Marcus  asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor Capital One/ Neiman Marcus is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Debt collection (Credit card debt) with EQUIFAX, INC. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I reached out to XXXX XXXX XXXX about this account from XXXX XXXX. XXXX XXXX XXXX doesnt have any signed signature of mines or a signed contract. I have disputed this account with all 3 CRA there was no form of verification with my signature or contract. I asked XXXX XXXX XXXX to provide me with a original signed contract with my signature they have yet to send me anything. I also reached out to XXXX XXXX and they dont have an original signed contract with my signature either. This document that I submitted is all the information XXXX XXXX XXXX sent me nothing with my signed signature or original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Other

Complaint: Synchrony Bank 's payment scheduling system changes the customer 's chosen payment posting date if any part of the payment detail is changed. I have noticed an issue where Synchrony Bank credit accounts change a payment scheduled date ( chosen by customer ) to the payment due date, if the payment amount is edited. 

Example : Amazon Store credit : {$94.00} due by XXXX/XXXX/15. 
Initially chose to pay minimum {$96.00} on XXXX ( date funds available and date scheduled ). 
Advanced to confirmation page, but decided to increase payment amount slightly. 
When clicked " edit payment '' button, reverted to payment page, {$96.00} selected payment amount still selected ( not changed to minimum due ), but payment DATE ( posting date ) reverted from XXXX/XXXX/15 initially SELECTED to DUE date of XXXX. 

Edited amount to {$100.00}, did n't catch ( as I have many, MANY other times ) that the date changed to XXXX XXXX due date ). 

Did not realize the date changed until checking my bank account that all payments scheduled for XXXX had cleared and noticed the payment that I thought to my Amazon account had not yet posted. 

While likely quite small per individual customer, this issue potentially allows Synchrony Bank to charge/earn significantly more interest ( illegitimately ) across their portfolio because the customer 's average daily balance is higher due to the payment posting later in the month. 

A later posting date results in a higher average daily balance, and therefore interest charge, for each customer affected. 

A mere {$.00} additional interest for XXXX account holders results in a additional {$50000.00} increase in interest earnings for the company. XXXX customers at {$0.00} each = {$250000.00} additional income that is earned through a system with a significant flaw ( if not intentional process ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Western Portfolio Assets (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: They called my ex husband telling then they are looking for me to serve a summons to appear in court on a debt for XXXX. He gave me a number to call XXXX..I called and a man answered legal department XXXX XXXX. Have him the file number XXXX ... .he told me I had a debt with XXXX XXXX XXXX and they there were going to summons me to court unless I want to settle out of court for the amount XXXX with a down payment of XXXX ... not knowing what to do I agreed to the settlement..I have done some research along with checking my credit report and there is n't anything on the XXXX nor XXXX. I called them this morning to have them send me a copy of the debt info that they have and the same guy XXXX said I would have to go to court in order to get a copy. They will be attempting to take money from my account on XXXX XXXX for a portion of the agreed down payment towrds the settlement. I will be calling my account to make sure no funds will be removed. I am beginning to believe this is a scam. The go by the name western portfolio assets/XXXX..I have many complaints online in regards to this so called company.

Company response to consumer: Closed
Consumer complaint received 09-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: On XXXX/XXXX/15 I ordered the Equifax 3-Bureau Credit Report and Scores at the advice of my potential mortgage broker to see if there was a chance that I would qualify for a loan before the broker pulled my scores. He advised this so that I would not have a hard pull on my scores unless there was a chance. I ordered the product above to get the scores from all three major credit bureaus. My scores were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. Upon advice from my creditor I applied and he pulled my credit to do a per-qualification. When he received my scores, they were Equifax - XXXX, XXXX - XXXX, and XXXX - XXXX. I was in shock when the Equifax score was almost XXXX points lower than what they quoted me when I paid for the scores. Outraged, I contacted Equifax and they replied that the credit scores they sold me were for education purposes only. ( See attachment ) I did not pay for an education ; I paid for my true credit scores. Now I have a hard hit on my credit under inquiries because Equifax lied and outright misrepresented selling me, AND OTHERS, a credit score that represents NOTHING and is false. Moreover, the credit score that they sent my creditor was damning to my request for a loan and XXXX to XXXX points lower than the other agencies whose scores were only XXXX points different. Equifax should not be allowed to indiscriminately post scores that are so far skewed from other major agencies. It is as if there is absolutely no regulation, accountability, or accounting of the scores they post ; scores that can cripple consumers! I am a veteran. The VA takes care of us, but who regulates the credit bureaus? Obviously no one. If they are going to market these fictitious scores then they should be mandated that they have to BOLDLY warn that these scores are not even close to the real FICO scores that consumers really need to know, NOT some fictitious score misleadingly referred to by them as EDUCATION. Equifax 3-Bureau Credit Report and SCORES is a scam based on fraud when they fully know people need to know their true FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I was in mediation with Bank of America, already filed that complaint. Bank of America charged me {$200.00} and now an additional {$530.00} because for ten minutes of them telling me they would not help me or correct the records. They prey on the old and 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 monetary relief