milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Application, originator, mortgage broker

Complaint: Home Community Mortgage underwriter is requesting that I provide a letter of explanation, signed and dated, regarding the sale of a 2014 XXXX that I owned. I was not selling the vehicle to provide funds to close -- not for principal, not for closing closts. The lender was also requesting that I provide proof of ownership, the valuation from the third party, and the proof of transfer of ownership. I no longer had any of that, and it does n't matter, because it is not material fact germane to the mortgage. I already have all the required funds for principal and closing costs in escrow when I sold my XXXX! There is no reason at all why they should be asking about it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Medical) with Carter-Young, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Carter-Young, Inc.XXXX, GA XXXX, Local : XXXX Toll Free : XXXX My minor child and I were in an XXXX accident in XXXX of 2012. We have an attorney. The attorney notified all of the medical companies. Carter-Young, Inc filed a collection notice on my credit. I called Carter-Young, Inc. and explained their mistake. XXXX XXXX gave my son 's name and birth date and specifically told me she was attempting to collect on debt on my minor child. Using the words " minor child. '' When I explained that to her that that is against the Federal Trade Act she got upset. I gave her the attorney information. She said she would call the attorney. I asked her six times when they were going to remove the collection notice. She did not respond to me. She hung up on me. 
I have never received any notice in writing from this company that they were attempting to collect a debt. I have never received a phone call from this company that they were attempting to collect a debt. I did not give them my current address and XXXX XXXX did not attempt to verify my mailing address, email address or telephone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Either send me proof about this debt, such as what the debt is for ( product ) or remove my name from the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My complaint or concern is that I pay nearly 30 % of my net income to my federal and private student loans. XXXX in federal direct loan. XXXX to navient private loans. XXXX to my XXXX XXXX servicing provider. I make to much $ for the PSLF to help my cause in that 10 % of my income is XXXX {$.00} After 10 years paying that much it 's paid off which is great. The problem is I hav XXXX other separate bill payments to my private lenders which in turn does financially I hav to put more money towards private student loans due to high variable interest rates. My solution would b to consolidate my private loans into XXXX payment but I do not make enough money to find a lender to finance XXXX and get interest rates and terms to help my financial situation. My interest alone on all my loans is roughly XXXX $ 10 % of my income. I will never b able to pay off student loans paying interst only nor do I make enough money to put enough $ money towards principal. I need personalized help. Mainly I need student loans companies realize that I pay XXXX different lenders and I need my loans to XXXX payment at a realistic fixed interest rate. At this rate I will pay XXXX on the initial XXXX I took out.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit card () with SYNCHRONY FINANCIAL (NV).
Issue: Other

Complaint: I received a letter from Synchrony Bank XXXX of this year stating that I was part of the class action lawsuit and would be receiving a check for {$270.00} within 60 days. It is now XXXX and I have not received anything. There is an XXXX number listed on the letter, however when I call, I ca n't ever get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NV).
Issue: Deposits and withdrawals

Complaint: USAA Bank, has no way to make a cash deposit in the State of Nevada, I needed to make such deposits, I have no way to do so, Why do they do business in Nevada. I had a NSF charged to me because I could not make a cash Deposit, I called the day before and talked to a rep explaining that I need to make a cash deposit to my account. She told me to wire the money direct to my account, which I did, they still took a whole day to deposit to my account. Which over drafted me causing NSF of {$29.00} Fee. I called USAA and talked to XXXX, should could not help, I proceeded to talk to XXXX, she gave me an attitude and I am god attitude, and said she would not help me, she hung up. I called back and talked to a XXXX, she tried to help but could not. My complaint is, how can a Banking Institution do business in a State and have NO WAY TO DO CASH DEPOSIT to my account or any other customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problems caused by my funds being low

Complaint: I was assessed an overdraft fee by Bank of America in the amount of {$35.00}, even though I deposited funds to cover the potential overdraft. These types of fees are completely unnecessary and exploitative. Big banks like Bank of America, which earn XXXX dollars in revenue each year on the back of their hard-working customers, routinely exploit working people by charging unnecessary fees.

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 09/30/2016 about Payday loan () with Crow Creek Sioux Tribe (PA).
Issue: Charged fees or interest I didn't expect

Complaint: They charged me 643.01 % to pay this loan off, this is very upsetting to me .. When I talk to theses people back in XXXX, the lady told me just look over the loan, and then sign .. I am very confused and angry about this ... Thank you for your help ..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Customer service / Customer relations

Complaint: Have a credit account with capital one bank for several years. They restrict my account because they think it 's a fraud issue after send my personal information many times and speak to many mangers has not been resolve my problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2016 about Debt collection (Credit card) with Commercial Recovery Systems (AZ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: CRS contacted my elderly parents home in Illinois threatening them that they are going to sue thier son if he does not handle the debt. The person we spoke with was XXXX at XXXX. This company continues to harass my parents and threaten them rather than me which I would prefer. However this company is know for these tactics and has been brought to suit by the FTC for the same behaviors. I can not upset my elderly parents with this ridiculous behavior and threats. They do no need to worry about me. This tactic is scaring them and causing XXXX for them and it is despicable. I myself suffered my XXXX on XXXX XXXX, 2016 due to XXXX and I dont need this happening to my parents. They also discussed my debt with my parents. Telling them if I dont call they will sue me? Unacceptable

Company response to consumer: Untimely response
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (AL).
Issue: Other service problem

Complaint: For the past week I have tried repeatedly to " verify my identity '' with Coinbase so that I can use the funds I deposited in my Coinbase account. Even though they have already verified my identity once, they refuse to do so again, therefore my money is just sitting in my Coinbase account, and I ca n't use it. There is no phone number, email, or mailing address to get in touch with anyone from Coinbase to resolve this issue. I do n't know what else to do except to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Today I received a notice from myfico that a new collection has been added to my credit report from Portfolio Recovery Associates. I never received any documentation in the mail to validate this debt, or give me a right to dispute. I have no idea what this debt is for. This collection is damaging my chances of owning a home, and obtaining any other type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (KY).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have tried to talk to Debt collectors and get this resolved for the past 3 years with no luck. They are not willing to discuss or negotiate with me about the debt in question. I do not feel that I owe anything because the company who placed the debt broke our contract first by their actions in maintaining a safe environment for the tenants. I have also disputed this account with all the credit agencies again with no luck. This collection is ruining my chances or renting a house as well as purchase a home. I need help

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
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: My complaint # XXXX about XXXX  regarding Bank of America account # XXXX still has not been resolved. The paperwork provided by Bank of America does not validate the alleged amount owed XXXX {$880.00} ). This is my third request for a re-investigation.

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 12-06-2017 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: For many years my husband and I have struggled with our credit - we lost our house in XXXX due to an outrageous ARM loan, moved a couple of times before getting settled, lost a job, etc. -- all while raising XXXX children. When the oldest wanted a vehicle of her own to drivXXXX, which would help me out with the other XXXX kids, we went to a small lot and purchased a two year old vehicle with some cosmetic damage, but it was perfect for her first car. Credit Acceptance Corp was the only company who would finance me, alone, for that car. After paying {$1500.00} down and agreeing to {$400.00} a month car payments, we took possession. Ten months later, the dang thing has been repossessed three times. They were taking the payments every two weeks after the first repossession, and then I lost my job and the payment was returned one time. They kept trying every day to take that from my checking account, and it caused a " decline '' fee each time. Once I realized it, I contacted them to tell them to please stop trying and I 'd pay a different way. I made a payment, but apparently, that did n't catch me up because although biweekly payments were resumed for several months, at an amount they indicated was to cover the repo fees, they came and snatched the car again from my driveway. Once I realized it, I called them and they said it would be {$850.00} to recover it ( AGAIN ). They said I could pay {$250.00} by XXXX XXXX and the balance by XXXX XXXX, but would also owe the payments that would have come due over the time period they had it. Then I had to go through a nightmare with the repo company ( which are not regulated in NC ) just to get personal belongings back. They informed me the car has already gone " to auction '' so what is the point of me trying to get it back? After reading hundreds of complaints on the internet, I realize I am not alone. Although there have been numerous class action lawsuits filed against these folks, I would n't be able to afford to pursue such action. So now I am without that car and from what I read, I 'll have to file for bankruptcy just to get rid of these people because consumers are reporting that they are vicious in every aspect of the car loan industry. Someone needs to investigate and help the consumers who are only trying to get out of their situation. It is bad enough to have to pay almost 30 % interest on a XXXX used car, but their collection practices are out of control. I feel completely frustrated and violated.

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 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax needs to lose it 's license. They admitted to me that I was one of the 143 Million people that had their private data exposed.
I have been harmed in the fact that I will never know if my data will be used for nefarious purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with TD BANK US HOLDING COMPANY (CA).
Issue: Credit determination

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX - XXXX NORDSTROM XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX Dear NORDTROM, I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: I got the care credit card before they were owned by syncrony bank. Anyways, we used it because our dental insurance did not work for my husbands treatments. I was not explained that you needed to write in each time or call every time you made a payment in order for it to be going towards the right purchase to be paid off in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-12-2016 about Debt collection (Auto) with Bryant, Hodge & Associates LLC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Debt was discharged in bankruptcy in XX/XX/XXXX. Received letter XX/XX/XXXX from 3rd party collection agency stating that I still owe original creditor. I called Bryant, Hodges & Associates, spoke to XXXX XXXX & gave them the bankruptcy file number & told them this debt was not valid. He said my lawyer from the bankruptcy did not do their job & that here was an arbitration judgement issued in XX/XX/XXXX & that he was collecting on behalf of that judgement. He was able to finally verify the item was listed in bankruptcy discharge & continued to belittle my lawyer for getting me in this problem in the first place. He was very rude & made me feel victimized for something that is a non issue.

Company response to consumer: Untimely response
Consumer complaint received 09/26/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other transaction issues

Complaint: Someone attempted to use my western union account to transfer {$400.00} to someone named XXXX XXXX in XXXX. Western Union charges {$25.00} for the transactions. The transaction was attempted via my online account but western union sent me an email to inform me that the transaction is under review. When I logged into my account I saw that the perpetrator use a credit card and I was able to see only the last XXXX digits of the card. The last XXXX digits does not match any of my current credit card. And the address on the card is a XXXX address. I live in XXXX. I assume that the perpetrator stole my identity and open a credit card under my name. I requested that the transaction be blocked by western union. Western declined to provide me with full credit card number. I have the last XXXX digits of card number and the address that was used. I am afraid that someone stole my identity and open a credit card account under my name in order to sent fraudulent wire transfers internationally.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I paid my XXXX XXXX XXXX ( XXXX ) bill on their website, I inadvertently used my closed Wells Fargo Checking Account. I contacted Wells Fargo on XX/XX/XXXX at XXXX XXXX  ( PST ) and spoke to customer service, I think his name has XXXX. I told him what I did, the amount, the date, payer, verified the old account number and he put me on hold came back after speaking to his supervisor not to worry about it, when the check came in it would cross over to my new checking account and get paid. I asked again and he said do not worry about it, it will be alright. It will be paid. Now with this information from Wells Fargo I though I was covered, I do not need to submit a corrected payment the XXXX, Wells Fargo has it covered. NOT SO. I received a letter from XXXX dated XX/XX/XXXX stating my check was returned by the bank and a {$7.00} returned check fee has been charged to my account. I had to pay {$150.00} to avoid going to collection. I now have a check restriction on my account for the next six months. I called Wells Fargo when I received the letter on XX/XX/XXXX and a case was opened with Case Management. Case Management told me that they would listen to the conversation on XX/XX/XXXX. I called Case Management back on XX/XX/XXXX spoke with XXXX XXXX who told me they would give me the {$7.00} back and that is it, this does not cover the additional charge XXXX is going to charge me for paying my bill late. I'm waiting for my next bill. She refused to let me speak to her boss XXXX XXXX and refused to give me the directors name. We went around and around about a letter, and in my situation they do not have a form letter available, I told her then they need to write up a letter for my situation. She kept referring back that I wanted Wells Fargo to take the blame for the entire issue and I told her no, I know I made the initial error, but I called Wells Fargo and was told that Wells Fargo would take care of paying the check. I relied on what Wells Fargo told me. Then she hung up on me.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax allowed unauthorized access to personally identifiable information ( PII ), allowing unauthorized person ( s ) access to highly confidential information. 

Prior to notifying the government and public that PII had been compromised, key executives at Equifax divested personal shares, profiting before Equifax shareholders, stakeholders, the public, or government authorities were able to act on relevant information.

Company response to consumer: Closed with explanation