milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: This complaint concerns XXXX XXXX XXXX Trans-Union credit bureau 's limitation of customer access to telephone calls ; and XXXX XXXX XXXX billing I did not authorize. 

There is no e-mail capability, secure or otherwise, or mailing address for letters. 

Although Trans-Union offers XXXX or XXXX toll-free telephone numbers, I am overseas and when dialed from here XXXX toll-free numbers are not free, but are billed at international commercial rates. 

When I opened a Trans-Union account on XXXX XXXX 2015 to obtain a copy of my credit report, engage a credit lock an establish credit monitoring, I was obliged to telephone Trans-Union at considerable expense to me to overcome password problems and activate the account. Given my overseas location I requested a collect-call telephone number, but was told in knee-jerk fashion to use the toll-free numbers. 

When I asked for an e-mail address I was told none is available. 

When I asked for a mailing address I was told again to use the toll-free numbers -- I found that failure to pay attention appalling and the demonstrated overall mindless inflexibility inexcusable. 

The restricted access is now an acute problem. That 's because I found that on XXXX XXXX 2015 Trans-Union charged my credit card {$17.00} for a product called " transition from TU alerts to XXXX alerts. '' I have no memory or record of authorizing purchase of " transition from TU alerts to XXXX alerts. '' I should be able to contact Trans-Union at no expense to me, just as U.S.-based customers do, to discuss and hopefully resolve the questionable charge. 

I would appreciate any assistance you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (I do not know) with Premier Recovery Group (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Premier Recovery Group ( also call themselves PRG ) call me at least once a day telling me I owe them money for a payday loan I supposedly took out. They continue to call me from several different numbers and say they will mail me validation of debt which never comes. This has been going on for at least 90 days now/

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (I do not know) with CL HOLDINGS LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have disputed this account on my credit report that is showing " Jefferson Capital Systems '' from XXXX and the CB 's removed the negative remark due to them not investigating within 30 days. I have since then received a paper in the mail stating they are the owner of the collection account. I have notified them through the Credit Bureau that this account was due to identity theft and is not mine. They continue to report on my credit after the CB removed it. They also continue to collect even after telling them this is due to identity theft. 

I have provided a copy of my police report showing identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TN).
Issue: Other transaction problem

Complaint: Hello there, I am having a difficult time with Coinbase.com and transferring funds to my bank account via wire transfer. 

I made a wire transfer withdrawal request on ThursdayXX/XX/XXXX at XXXX XXXX. from my coinbase account to my bank account. 


When I made the request, site said that the funds would be transferred that day (XX/XX/XXXX ). 

However, when I got the confirmation email, the confirmation email said that I would receive my funds by XX/XX/XXXX. 

I still have not received my funds in account as of XX/XX/XXXX. 

I have submitted a support case regarding this issue to support.coinbase.com. 
The case ID is XXXX. 

I received a reply to my support ticket from a Coinbase.com from a representative named XXXX on XX/XX/XXXX at XXXX XXXX. 

This is what the reply said : ===== Hi XXXX, Thanks for reaching out. This wire was processed just after the cutoff time for yesterday so you should receive your transfer today if you havent already. If you dont see the funds post by the end of the day today please let me know so we can investigate further. Thanks for using Coinbase! 

===== I have replied numerous times, continuing to state that the requested wire transfer has not been received. 

I have reached out to coinbase on every social media channel that I can ( XXXX, XXXX, XXXX ), as well as sent several emails and replied numerous times to my support ticket. I 've asked my receiving bank to check for a wire transfer coming into my account, at least 4 times this week, but there has n't been any transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Debt collection (Medical) with Financial Data Systems (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Financial Data Systems has inaccurate information reporting to the credit bureau 's regarding a medical bill that is not mine. I have disputed these accounts twice and they are not giving me the info I have requested. The letter below is what I have sent them and the 3rd party company has not responded to my requests. 
The account number for this 3rd party creditor is XXXX amount {$14.00} The letter below is what was sent to thm regarding this account XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Dear Finanacial Data Systems, After viewing a copy of my credit report, I noticed a collection account placed on my credit from Financial Data Systems in the amount of {$14.00} Account # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I pay my loans through a service called Nelnet. I changed my repayment plan and it was initially processed in XXXX 2016. Since XXXX, Nelnet has made mistakes with how my repayment plan was processed on each group of my loans. Due to this issue, my payments have been incorrect every single month. I received no notice from Nelnet in the changes to my repayment plan processing, only the monthly statement notices. Each time I speak to a customer service representative ( at least once a month ) to ask why my statement has changed, the story changes as to why my monthly payment has changed. Additionally, each month I am assured that the problem is rectified and that my repayment plan has been correctly processed only to find out that the information about my payment they give me is incorrect. This has negatively affected how I manage my bills every month and has made me feel that I am being taken advantage of by these loan collectors. I have had to ask for an apology from several employees and was never offered any consolation for how my loan repayment plan process was mishandled.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I had a Loan modification XX/XX/2010. I filed Chapter XXXX XX/XX/2010. At the time of filing Chapter XXXX I was only XXXX months behind. My lawyer fail to do there job and listen to me when I kept telling them I had a loan modification a few months pirio. Once we got to the the last fews months in my chapter XXXX I told then again that I had a loan modification. So they finally looked into it. MY lawyer and SPS lawyer looked into this and see that I did have a loan modification the same year. The money that was paid into the chapter XXXX to was not the amount I was behind at the time. I paid them a total of XXXX. My mortgage company have not credit the amount to my loan so I can pay the reminder and get my loan current. I This have been a problem that has been going on for a few months. 
This my XXXX time submitting a complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Delinquent account

Complaint: I am on an account as the owner. I never owned this credit card account from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Debt collection (Other debt) with SYNCHRONY FINANCIAL (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Mr. Attorney General : I am writing in hopes to shed light on a company that I feel is operating unfairly. On XX/XX/XXXX I purchased a whole house generator. I financed the generator through XXXX XXXX. The agreement was to extend for 36 months, 18 months interest free. In good faith in XX/XX/XXXX I signed up for auto payment with the ability to receive monthly payments notices as reminders. As I look back, I received two payment reminders in XX/XX/XXXX. With the payments on auto pay I continued to make payments monthly without payment reminders. 
In XX/XX/XXXX, XXXX XXXX attached {$4500.00} interest. It was then that I realized I had missed the 18 month deadline for repayment without interest. Since XX/XX/XXXX, I have received a written monthly notice for payment. I was never notified of the interest free period coming to an end as agreed to. I felt the details of the contract would be upheld but I see that it was not. 
I see this as unfair and it appears deceptive. I feel as though I was targeted. I did not receive monthly notices until the interest payment was added, now I receive them every month. In their failure to provide monthly notices, I did not make the final payment, as I would have, had the notice been sent that the interest free period was to end. In this way I feel that this company purposefully declined to send notices so that I would forget about the interest free period which allowed them to add the interest accrued. I wonder how many others have experienced this behavior from them and have also had to pay back interest. I am able to fight this but what about the elderly and the infirm who depend on these products and are taken advantage of by this type of financing. 
I do think this is unfair practice for their patrons. This builds distrust. I will never do business with this company again as I feel they failed to provide adequate notification of contract changes. I feel they should remove the interest accrued as they failed to provide me with the monthly payment notices as agreed. I do feel had I received these notices, I would not have missed the interest free payment date. This pattern of practice, although maybe legal, is not fair. 
Please take a look at this companys practice. Their use of these types of loans are set up as a trap and should be discontinued if proper notifications can not be sent. Thank you. 
Sincerely, XXXX 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
Consumer complaint received 11/23/2015 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Billing statement

Complaint: Unable to access online bank account, check balance, and make payments with Synchrony Bank -- Amazon 's Store Card provider. Refused to issue new password. So I could not check account online. They provided me with a new password once I threatened to file a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with RS Clark and Associates, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sent R S Clark & Associates a request to validate a debt pursuant to Texas Finance Code ( see attachment " RS Clark Dispute '' ). They had 30 days to respond. They did n't. In response to a prior complaint filed with CFPB, they provided an accounting stating that this validates the debt ( see attachment " RS Clark XXXX '' ). It does not meet the requirements under the law and does not validate the debt. They have wholly failed to validate this debt and under the laws of the state of Texas, it must be removed from my credit listings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Application, originator, mortgage broker

Complaint: I was contacted by my mortgage company ( Freedom Mortgage ) about refinancing. It sounded too good to be true since they said it would not cost anything. I verified that the company was legitimate and decided to pursue on XXXX XXXX 2016. I have a few rental properties and the loan officer asked some questions and he incorrectly filled out an application for me. I told him that there was missing information and he stated " you already have a loan with us and you qualify only on your income so it should be fine ''. Well once it got to underwriting, they have been slowly asking me for information for a complete financial snapshot which I understand. It is now XXXX XXXX and I have no idea when the refinance will be completed. They are apparently still missing some information that could have been requested at the time I initially provided all of my information. To top it off, the most recent loan documents that they sent me have changed the terms of the loan. It seems like a bait and switch.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unknown, unverifiable and outdated. I have done business in the past years ago with this company and accounts showing in good standings except for XXXX. Disputed with no outcome. Please help assist me.

Company response to consumer: Closed
Consumer complaint received 08-09-2016 about Payday loan () with Real Time Resolutions, Inc. (CA).
Issue: Charged fees or interest I didn't expect

Complaint: This company is guilty of predatory lending and charge illegal interest rates. I was advised by the original company that this collection agency was not handling their loans, it was fraud and to not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the Equifax credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by Equifax, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking time to read my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: CHASE RIPS XXXX XXXX OFF OF {$65.00} XXXX XXXX. SEE ATTACHED. 

SECOND ISSUE IS XXXX XXXX COMPLAINS CHASE DEFRAUDS XXXX XXXX ON CHECKING XXXX XXXX XXXX XXXX OF 3 FRAUD CLAIMS IN 60 DAYS XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XXXX DISPUTES FRAUD OF XXXX THE FIRST FRAUD IS XX/XX/XXXX AND LAST FRAUD XX/XX/XXXX AND ALL 3 LIE IN 60 DAYS. THESE ARE THE THREE CHARGES THAT I DISPUTE. XXXX REFUNDED ME AND THESE WERE NOT FRAUD. XXXX IS HITMAN AND XXXX. SO THESE 2 CHARGES WERE REFUNDED BECAUSE I ASKED XXXX TO REFUND. XXXX REFUNDED ME. DONT CALL REFUNDS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Reverse mortgage) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: I filed a reverse mortgage with XXXX who is now Owcen. My house was appraised for {$87000.00}. I got {$23000.00} last year instead of the {$43000.00} because I am XXXX and they were keeping half. ( I was never told before ). They set {$2300.00} aside for repairs. I finally got a company to do repairs. The problem is I live in a small town. We have no painting companies here. The closest town is 45 min away. No one would come and paint my fence and porches for anything under {$5000.00}. The company I got XXXX came and painted the fence and porches. Then when inspectors came they kept saying I had more to do. Things that were n't even in the initial contract. All I was to have done was the painting of my fence and porches.They sent partial check payment to of {$1700.00} in my name and XXXX. for repairs. Said when the repairs were finished they would send remainder. I called them told them the repairs were done. They asked about my windows. There was nothing in contract to do with my windows. Its like the added more stuff without my knowledge, So we took care of that..The repairs got finished. So last Friday, XXXX XXXX I called to find out when they were releasing the check for repairs.. They informed me, that they sent XXXX out for the the {$1700.00} and then used the rest to pay for the inspector so I am going to have to pay the remaining {$550.00} out of my pocket plus the portion I was to pay {$50.00}. So that is a total of {$600.00}. I then asked about my remainder of money that was supposed to come to me. They transferred me and I could not find out anything more. Monday XXXX XXXX, my son and I called them. We asked them about the same. They told me I was only going to get {$20000.00} instead of the {$41000.00}. because I am XXXX and they were keeping half. Like I said previously was NEVER told to me before..They were getting after me for not having repairs done, ( When I thought they were ) but when they do wrong I guess that is supposed to be ok.When I started this I was told my home was worth {$87000.00}, so I would get {$43000.00} last year. Then this year I was to get {$41000.00} which was after the {$2300.00} came out for repairs. I am so frustrated, I want the over half of my money. My XXXX called the XXXX today XXXX XXXX and they told us to contact you due to the fact this company has negative rating with XXXX I have XXXX and I am XXXX. I do not need this.This whole process has been a real pain, and I thought these reverse mortgage was to help with your retirement and it did n't matter your age. If you could please HELP. Thank you

Company response to consumer: Closed
Consumer complaint received 12-02-2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I just emerged from a Chapter XXXX. At the start of the proceedings CitiMortgage filed a claim for {$8000.00} in arrearages. The Trustee was to pay the {$8000.00} over the course of the Chapter XXXX. I was to continue to pay my regular monthly payment going forward. The Chapter XXXX ended in XXXX of this year. CitiMortgage claims that I am over {$5000.00} in arrears now. They told me in a letter that they will start foreclosure proceedings on XXXX XXXX of this year. They claim that I have missed XXXX payments in a row. I have sent them bank statements proving that we have made every mortgage payment since the start of the bankruptcy. 

More than XXXX Citi representative has admitted that they have used my regular monthly payment to cover arrearages. For instance. I was told that my first payment under the Chapter XXXX on XXXX went to pay the XXXX arrearage. Payments from both the Trustee and myself have been going to pay the arrearages before anything else. By no means have they separated the payments from the Trustee and myself. 

This is my understanding. " Payments from the trustee or debtor post-confirmation should be applied to payments due from the Petition Date going forward - not to the arrearages. All post-petition installment payments must be applied and credited to the debtor 's mortgage account as if the account were current and no prepetition default exists ( this includes any adequate protection payments received pre-confirmation ). " I have been told by a Bankruptcy specialist at Citi that this is how they do their accounting and there is nothing she can do about it. We entered into the Chapter XXXX in good faith. We made every regular monthly payment. The Trustee made all of her payments. Yet we are coming out of this being made to feel like a common mortgage dodger with a foreclosure looming over our head.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Medical) with Stallings Financial Group, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The billed amount was not sent to the insurance company. The doctor office never said it wil be my responsibility. i am a student and cant afford the whole amout

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