milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Delinquent account

Complaint: At the time of my divorce the judge ordered my ex wife and I to pay different credit cards. 
she used XXXX in my name and I had XXXX in her name that I used. she was responsible for paying the debt in my name but she did n't. I have sent my divorce decree and letters to the credit card company many times explaining the situation that she was responsible but they ignored me. Finally, since she refused to pay the bill it was turned over to collections. 
they would n't accept the divorce papers either. She finally settled for a lesser amount Now it is on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2016 about Student loan (Non-federal student loan) with SLM CORPORATION (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I do not receive statements/bills or any other documents from SallieMae. This has been going on for a year and is still not fixed. My XXXX 2016 statement was not even sent or generated on my account in a PDF for me to view, so my payment was late. I 've called numerous times and the customer service people just ask questions, procedure I get it, but after that tell me everything looks fine. I 've changed how I receive information to paper form and that has not helped, in fact XXXX 2016 should have been the first paper form and as I said, that was never sent. The representatives become rude when I get upset and it seems that they no longer want to help me. They just tell me to pay my bill, even though my date was changed with my XXXX loan and I was not notified. My tax for went to my co-signor instead of me which I was told should not happen. I should receive statements, no questions asked. I was not charged late fees, but am still upset.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on Lexis Nexus. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, and a rental history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not properly secure my credit report or personal information

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX  crammed charges on my billing account by adding premium text messaging charges. There is a lawsuit with the  XXXX   XXXX   XXXX  against  XXXX  and other carriers for adding unauthorized charges. I did not pay my bill and  XXXX  reported my account to  Diversified Consultants Inc  for {$740.00} on  XXXX   XXXX    XXXX  . I have tried to dispute this account but they do not wo n't to remove the account nor fix the billing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2016 about Debt collection (I do not know) with Robinson, Reagan and Young PLLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am keep received some calls from collection agency daily regarding a debt that I do not recognize neither received any bills or invoice explaining the debt I owned and from who. I want this harassment to stop immediately.

Company response to consumer: Closed
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Below is my email to the Equifax PR Director this morning that was returned as undeliverable : To : XXXX XXXX XXXX I feel Equifax 's online fraud alert system has issues. I generally request a fraud alert by phone by calling XXXX. Yesterday I called and the automated system stated the system for phone request for a fraud alert was not in service. It stated a fraud alert could be place online or by mailing Ecquifax. Later, after placing the fraud alert online ( without receiving immediate confirmation of receipt ) I located a telephone number on your website for phone request for a fraud alert. I called it and it is operational. The XXXX system should have provided that number for a fraud alert. 
I completed the online fraud alert request and on hitting " Submit '' my computer screen went totally white. I went back to the request page and your Terms of Service states " you are willing to receive email notification ... and if not received, provides the Equifax mailing address. There is no indication of how long one must wait to receive that notification. 
Here is the problem : your fraud alert request requires almost all personal information necessary for identity theft - name, SSAN, address, previous address, DOB, etc. Without immediate confirmation of receipt, the person requesting does not know where his or her personal information has been sent, who may have received it, or if hacking is possible. 
I called XXXX this morning and spoke with your representative XXXX. After explaining this she said my request would be " expedited. '' When asked how long " expedited '' might take, she said 8 - 10 business days - another unacceptable delay. 
I was so frustrated yesterday after the online submission that I filed a complaint with the FTC. This morning I 've received an email from the US Gov. agency over credit reporting agencies and unless I get immediate assistance from Ecquifax, will file a complaint as they direct. If for any reason I have no resolution to my problem soon, I will then follow up with the appropriate agency for the State of Georgia and, if also necessary, request assistance from my Congressional Representative who has been helpful with issues in the past. 
Please understand how disconcerting it is for consumers who feel their personal information may be at risk. Your assistance will be much appreciated. 
XXXX XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX resolution would be immediate notification of if my online fraud alert was received and by whom.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Ohio Department of Human Services has been incorrectly reporting my payment history and it is severely affecting my credit rating. They are showing collection history and payments up to 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I do not know dates and have never heard of  United Revenue Corp. This is Fraud a nd is not my debt. They have  XXXX  accounts that report on my credit as medical. They are not mine. They also have and continue to violate  my HIPAA and PHI rights by  communicating HIPAA/PHI protected information to third parties without my consent.     Direct Violation of all HIPAA rights and laws.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Conventional fixed mortgage) with NOVA Financial & Investment Corporation (CO).
Issue: Credit decision / Underwriting

Complaint: Denied credit for exercising my rights under the Consumer Credit Protection Act ( Submitting ECOA complaint previously with CFPB ). Statement of specific reasons does not contain a specific reason as requiredSee ECOA 202.9 ( 2 ) Statement of specific reasons. The statement of reasons for adverse action required by paragraph ( a ) ( 2 ) ( i ) of this section must be specific and indicate the principal reason ( s ) for the adverse action. Statements that the adverse action was based on the creditor 's internal standards or policies or that the applicant, joint applicant, or similar party failed to achieve a qualifying score on the creditor 's credit scoring system are insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Consumer Loan (Installment loan) with AmeriCash Holding LLC (IL).
Issue: Problems when you are unable to pay

Complaint: I got a loan with americash loans in XXXX XXXX illinois for {$1000.00} it was slow at work and I was unable to pay on time so they began to garnish my wages I sent in a written request to cancel the wage assignment. An employee at the store called my employer and proceeded to tell them that I had not made any payments on my account and that I could not by law cancel the wage assignment which is what my employer said to me. They then proceeded to deduct {$1200.00} from my wages until I finally went and filed a chapter XXXX bankruptcy. The bankruptcy was dismissed and now I find out that this company is suing me for {$1600.00} not only is this ridiculous but I later found out that it is not illegal to stop a wage assignment so this company just forcefully took the {$1200.00} they got from me already.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (PA).
Issue: Trouble during payment process

Complaint: My mortgage was recently sold to a new mortgage company. We were notified by the seller within 15 days of the transaction, but heard nothing from our new loan company until XX/XX/XXXX, 19 days after our first mortgage payment to the new company ( Freedom Mortgage ) was due! Remarkably, this first communication was to inform us that we were late on our account! Because of this delay in being billed we actually assumed the first bill was going to be for XX/XX/XXXX, only later to learn that it was actually for a back payment. But because we had the legal 60 day grace period in which they could not charge us a late fee, we were not too concerned. We had trouble logging on early in XX/XX/XXXX when we went to pay it, and did not finally get the payment made until XX/XX/XXXX, paying for the months of XX/XX/XXXXand XX/XX/XXXX, but still within the 60 days.

On XX/XX/XXXX, my wife was stopped by someone from another realty company who handed her a letter, would not say whom it was from, and proceeded to take pictures of my wife and our home. After opening the letter from this strange man, we saw that he was acting at the behest of Freedom Mortgage informing us that our payment was late, despite the fact that our check cleared the day before the man showed up to our home. My wife called Freedom Mortgage to make sure this was legitimate, and she was told that we would be assessed a fee for the home visit. I knew from our legal rights this was not proper, and called today to make sure the fee was removed. I was informed that this was not technically a late fee, so they could charge it. But that's clearly what it is -- we were charged a fee because we were late ( which we were not, as we were within the 60 day grace period ).

I filed a complaint with Freedom, and they told me they would open a case, but refused to remove the charge right away. It is only {$15.00}, but this is a matter of principal to me, because if they will do this to me, they will do it to anyone. I can tell already that I will not have a positive experience with this company. Consumers should have the right to protect their loans from being sold to companies like Freedom Mortgage that do not abide by the law. I need to know the next steps to ensure that I am not falsely charged this {$15.00}, and what rights to compensation I have for all the time and energy I'm having to waste to stop Freedom from violating the law.

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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I SUBMITTED TO EXPERIAN CREDIT REPORTING AGENCY A STATEMENT THAT I WANTED TO APPEAR ON MY CREDIT REPORT AND OF THIS DAY XX/XX/2017, THIS STATEMENT HAS NOT BEEN ADDED.

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 10-11-2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (TN).
Issue: Loan modification,collection,foreclosure

Complaint: I am a third party authorization for my client that has a mortgage with Shell Point as servicer. They have been very difficult and today they have countered my client {$670000.00} when their payoff including late fees and penalty is {$630000.00}. I have an offer into them at {$630000.00} which nets Shell Point {$600000.00}. They proceeded to foreclose months ago at {$590000.00}. The second with XXXX XXXX is waiting for first lien approval for them to approve {$3000.00}. Shell Point wo n't consider any other offer but {$670000.00}. They told me today they will not go back to the investor for anything less than {$670000.00}. I think they do n't know what they are doing and need help explaining to them anything over the XXXX lien goes to the XXXX lien. Shell Point has a credit balance in the escrow account for taxes and insurance. The investor is XXXX XXXX XXXX and I am sure they would rather be paid than be foreclosed on. There are lots of complaints about Shell Point. I need you to explain the legal process to them to close this contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2015 about Virtual currency (Domestic (US) money transfer) with Coinbase, Inc. (MN).
Issue: Fraud or scam

Complaint: Signed up with Coinbase.com with a {$75.00} signup bonus for a {$100.00} deposit into their service. As it took a while to complete their signup, they changed signup bonus to {$10.00}. When asked about bonus, as I signed up for {$75.00} and completed all the steps, they stated that the signup bonus had changed and they no longer offered the higher amount and that requirements were not met, when in fact they were met fully.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Deposits and withdrawals

Complaint: Attempted to search for airline tickets thru XXXX XXXX on XXXX & XXXX. Did not complete transaction as XXXX raised prices significantly while processing. Backed out/cancelled search and XXXX placed XXXX separate " pending '' holds for a total of {$3200.00} ; {$2200.00} on XXXX and the balance on XXXX. Called my bank Suntrust to let them know I DID NOT purchase tickets. Called XXXX and basically got nowhere and was told XXXX business days was typical for them to hold monies from my account. On XXXX Suntrust did a Credit Memo for {$2200.00} and indicated that " once XXXX released the hold, the credit memo would be " paid back '', basically balance back to what it should be ''. The customer service rep never indicated that there was a specific time hold, i.e. XXXX hours and that the Credit Memo would only be for that specific time period. Today I see the Credit Memo dropped off and my account is in the negative as well as my savings account because I have overdraft protection. I called Suntrust, again, and was told that the Credit Memo was time specific and as of today, XXXX there appears to be a XXXX hour hold from XXXX XXXX. I stated that today would be day XXXX and yet there is another XXXX hour hold? That leads me to believe that XXXX will not release the hold until Monday XXXX at the earliest ... How is it that Financial Institutions can manipulate funds in this manner? If I indicate that NO PURCHASE was made and a XXXX party vendor is simply tying up my funds XXXX business days for their use, that my banking institution does not have the authority to release or drop a hold. How is this any different than a fraudulent transaction? Again, I DID NOT purchase tickets ; merely searching. 
As a side note, on Tuesday the XXXX my First call was to XXXX XXXX who said I needed to call XXXX and then my bank. I then called XXXX and was told to call XXXX XXXX. Neither had any confirmation information indicating to me that there definitely was no pending transaction. I did call Suntrust and on a Conference call with XXXX was told that a Fax would be sent ASAP from XXXX with all pertinent information that Sunturst needed to release the monies ; that Fax never was sent. I called XXXX, again, got a Supervisor who pretty much told me, " Oh Well, XXXX business days ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Platinum Holdings Group, LLC (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recived a phone call from Collection Consulting from XXXX XXXX California. They Have not given me a written notice of rights or the debt to be collected. Also they had my debit card on file and used it as payment without permission or notice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient continues to report a parent plus loan on my credit report, sends me repeated emails, which I 've asked them to stop and asked the credit bureaus to correct. They have acknowledged my bankruptcy filing on XXXX/XXXX/2013 and discharge order dated XXXX XXXX, 2013. Because they are continuing to report a balance and have ignored the courts discharge order, I still have a very low credit score and can not obtain new credit over three years after the discharge. The loan is was never categorized as a student loan nor is this particular loan subject to bankruptcy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Payday loan () with ROC Asset Solutions, LLC (CA).
Issue: Received a loan I didn't apply for

Complaint: Called and threatened with legal action involving the state of California and that they referenced my social security number to identify me. They wanted me to confirm it when the called. I did not, suspecting phishing. 

I found out by Googling that they have a long history of scamming the public where people have logged the calls and conversation similar to mine. They have called me a number of times and use different caller ID numbers. The one today is : XXXX and they said reference case # XXXX. 

They seem to have a basic website that does n't look real. See : XXXX See : XXXX

Company response to consumer: Untimely response
Consumer complaint received 02/27/2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was never notified that I had not paid my credit card debt online. The last statement I received was in early XX/XX/XXXX, but there were no attempts made by Bank of America to contact me regarding my payment for XX/XX/XXXX being late. I spoke with XXXX XXXX of Bank of America in an online chat on XX/XX/XXXX, and she told me that it was not up to the bank to inform me that I had to pay a debt ( which I believe is not true ). The past due amount was {$25.00} and the total balance was {$68.00}. This debt negatively impacted my credit. I only contacted Bank of America when I happened to check my credit score and saw that it had been lowered due to this debt. Bank of America made it clear that they had no intentions of making any attempts to collect the debt owed.

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 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Meade & Associates, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I submitted this to the CFPB about 6 months ago. Case No. XXXX. As a result the debt collection company, Meade & Associates, responded that the original alleged creditor had " requested that the account be closed '' because it was " sent in error. " Now Meade & Associates are sending me threatening letters again demanding payment for this same account even though I sent Meade copies of their correspondence to me closing the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed