milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/13/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Sale of account

Complaint: fraud amecan express accounts i naver open it now reporting on all XXXX craitd reports ps i have XXXX card dont need amex

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Nationstar Mortgage LLC is violating the California Homeowner Bill of Rights by not modifying a loan and offering a TPP that is just a reinstatement of the loan with an upfront payment.

Company response to consumer: Closed
Consumer complaint received 11-03-2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: XXXX/XXXX/2016 XXXX XXXX CST A voice message was left for me on a ref contact number asking for location information for me by a XXXX XXXX XXXX XXXX ext XXXX. I returned the call and spoke with her and asked why they were contacting a reference after I asked for a cease and desist. She reviewed the account and could see the request and advised me she needed to have me speak with a supervisor. I ask why would I need to speak with a supervisor, she replied to verify the cease and desist. I did not get the mgrs. name but when he came on the line he asked what he could help me with I asked did the rep not fill him in and he stated he wanted to know from me. I explained that I have requested a cease and desist and wanted to know why they were calling a ref. He stated he did not see that request and I asked how if the rep stated she did? He said he only seen where I asked for no calls and so I asked then why are you calling a reference number? He stated he would place the account in a cease and desist status. The manager was slightly rude and I could tell he was eating which was gross and very unprofessional

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (I do not know) with Jacob Law Group, PLLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I am unaware of a debt that I owe from a Mississippi XXXX bill to which the Jacob 's Collection agency calls me twice weekly to tell me that I owe. They said it was for two years and one was for the year 2008. I have never received the initial bill so I can not argue the claim. Regardless, they call threaten to garnish my wages, report to my credit, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. One of each the following inquiry must be removed pronto from my credit reports as duplicates inquiries were NOT authorized:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Debt collection (I do not know) with SUN LOAN COMPANY INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have requested validation from this company and was sent a statement but still no signed legal instrument of indebtness with my physical signature. This company also updated information with the credit bureaus while this account was under investigation. I have attached statement that I was sent as well as the information and dates showing that this account was updated with the credit bureaus during the 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 10-08-2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: I paid off my credit card via a third party agency in excess of 5 years ago. I was verbally told the account would be removed. Upon paying off the debt the neither account was removed and keeps flagging as if the debt was paid XX/XX/XXXX. When I speak with them they are telling me that the account is reporting correctly even though the account was paid XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (OK).
Issue: Loan modification,collection,foreclosure

Complaint: consumenfinance.gov/complaqintWho concern : My name XXXX XXXX XXXX , through this letter I would like to complain about the abuse committed by banks On XXXX XXXX I fall behind in my mortgage payments for three months, send a check to cover these payments and returned telling me that since I They had made foreclosed and would have to pay extra {$5000.00} for costs and fees if he wanted to catch up. 
Visit many lawyers to save my home but they asked me {$3000.00} minimum to start my caseDesperate apply for bankruptcy for myself, as pro se, but without the legal experience dismissed me case, then apply for a second also in me dismissed. 
The XXXX XXXX XXXX who file the foreclosure transfer to the NATIONS STAR LLC. Three month after they filed. And On XXXX XXXX XXXX, they granted with summary judgment and schedule the sale for XXXX XXXX, because I not have served with a notice of hearing, then filed MOTION TO VACATE this judgment for the following:1.- ASSESMENT ERROR OF THE RECOVERY2.-The NATIONS MORTGAGE LLC. Was no the Holder of the indebtedness at the time it filed the suit. 
3.-The Defendant not was served with notice of hearing in the Summary JudgmentWherever the defendant come working with the plaintiff NATIONSSTAR LLC, since XXXX in LOSS Mitigations program and they ask for new paper each two month, the last notice XXXX/XXXX/XXXX they said that given advice not less 90 day and the paper was completed. 
For this reason the DEFEDANT, send MOTION TO CANCEL SHEDULE AND CONFIRMATION, but without of knowledge legal I do n't know what happen if the Court considered those Motions, although I have a certificate that the attorney general gave me to help my case for {$5000.00}, but no lawyer accepts this they ask for cash, the last lawyer I visited want to {$8000.00} for see my caseI do not really know where to go 'm an elderly person and I would stay in my house about everything I could do my loan payments if the Bank approved for loss mitigation program or refinance the arrears. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Bank account or service (Other bank product/service) with Fidelity National Information Services, Inc. (FNIS) (MO).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, I attempted to open an account with a credit union. Apparently they use Chex Systems , Inc. for a check before allowing you to open an account. Chex Systems responds with " Driver license is not on state file '' so I was declined. This has never happened to me before. I asked them to run it again, same thing. I contacted the local Division of Motor Vehicles in XXXX XXXX, MO who indicated my driver 's license is on file and the driver 's license number is correct. I then contacted the Missouri Department of Revenue in XXXX XXXX, MO who also confirmed my driver 's license is on file and the driver 's license number is correct. I 've sent a letter explaingin all this to Chex Systems , Inc via fax to their complaint department and consumer relations department XXXX XXXX, 2015 and have heard nothing back. This is a time sensitive matter for reasons I wo n't discuss here and have spent several hours trying to figure out how to get this inaccurate information taken care of quickly, so it has me extremely frustrated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Springleaf merged with One Main. One Main and XXXX have been and are reporting inaccurate information on my credit report. One Main and XXXX have been and are reporting hard inquiries without verifiable proofs of my consents. One Main and XXXX have been and are reporting those hard inquiries as inaccurate information without verifiable proofs. As a result, there are no permissible purposes of putting those hard inquiries on my credit report. I sent certified mails to both XXXX and One Main asking about the permissible purposes of those hard inquiries and verifiable proofs of the inaccurate information. I waited more than 30 days to have the verifiable proofs from XXXX and One Main of  their inaccurate information and I didnt receive them from all of them. Since neither XXXX nor One Main have verifiable proofs of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the following hard inquiries should be deleted immediately. Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to XXXX on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to XXXX on XX/XX/XXXX :  XXXX. Certified mail sent to ONEMAIN on XX/XX/XXXX : XXXX. Certified mail tracking number sent to SPRINGLEAF FINANCIAL SRVCS on XX/XX/XXXX : XXXX. The following hard inquiries which should be deleted immediately are : Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : ONEMAIN Date : XX/XX/XXXX Creditor Name : SPRINGLEAF FINANCIAL SRVCS Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIBANK, N.A. (CA).
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint: On XX/XX/XXXX Citi Bank/CBNA pulled a credit report for a credit card from XXXX. The next day on XX/XX/XXXX they pulled my credit again from XXXX for the same application. I have made several attempts to get this resolved and have had no correspondence subsequent to inquiring about it. I am attaching my reports and highlighting the inquiries for proof.

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 07/29/2015 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There has been a recurring charge of {$280.00}, listed as collections, on all XXXX credit bureau reports. I have written the collection agency and the primary source, but neither have provided any documentation or respond to my requests. It is for a medical bill, but I have paid all my medical bills to this company. I believe they have mixed up my name with someone else from what they tell me. They never respond to my letters, they just renew dates on the credit bureau reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Some of my private student loans, originally serviced by XXXX, were sold to Discover Student Loans. Of the XXXX loans serviced by Discover, XXXX have seen a major jump in interest to 10.125 %. The third has remained at a reasonable 4.5 %. I know numerous people with Discover Student Loans and they have interest rates in the 3-5 % range. Since I went back to college and had trouble finding a job afterwards, I have not been able to make anymore than the minimum payment and my balance keeps going up. I am already having trouble making ends meet and Discover decides to raise my interest rates to an unprecedented level. They are taking advantage of my poor financial condition to make the principal balance higher so they generate more income on interest. Numerous people are in my position, trying to make a life for themselves but can not do so because student loan companies are conducting unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I was trying to lol I my account with XXXX but the company dont allow me to donso

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call on XX/XX/XXXX on my work mobile number from this company Financial Credit Service Inc., DBA Asset Recovery Associates ( ARA ) claiming that they had mailed me correspondence several times regarding this debt and that I had not responded so they were going to file a judgment against me if I did not pay the debt immediately. They had my SS #, and a list of every place I had lived, I explained to them that I had never received anything regarding this and had no idea what debt they were talking about. They told me the company and that I owed this from an account that was closed in XX/XX/XXXX. I again explained I do n't even know what this is and if I even had this debt for this account. They told me again they had mailed me correspondence about it and evidently I had thrown it away as junk mail or decided not to respond. I replied that was not the case, that if they had mailed me multiple letters as they stated, I would have known. I was again threatened with having a judgment filed against me. I am in the process of buying a home and was scared for something to interfere with that. They indicated that they could see about a settlement, and scared me into paying them {$750.00} immediately, with the remainder of {$2400.00} being due by XX/XX/XXXX, otherwise they would file the judgment against me. After hanging up I got to thinking and started doing some research and found several complaints filed against this company for scamming money people did not actually owe. I called my bank immediately and put a stop payment on the funds since I had used my debit card to make the initial payment. The bank issued a fraud case against the payment for use of malicious tactic 's to obtain money from me. The credited me back the money and I cancelled my debit card and got a new one. I have no proof that this debt ever existed, it is not on my credit report and therefore I feel I got taken advantage of. Not to mention its 17 years later and this call just comes out of the blue to me. Even if this debt was valid, which I do n't feel it is, the statute of limitations in Texas is 4 years. The only written correspondence I have ever received from this company was on XX/XX/XXXX listing out the " settlement payments '' via email address I gave them over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Fraud or scam

Complaint: On XXXX XXXX, 2015 I received a call from XXXX then I picked it up, a guy named XXXX XXXX told me that he worked for XXXX for grant money. Then XXXX told me that I was qualified for XXXX $ I was excited then he asked me for all of my information including my social number.I gave him all of my info than he transferred to a different number which is XXXX they asked me to send a XXXX $ fee than I could have XXXX {$.00} They have more numbers which are XXXX, XXXX, and XXXX. If those numbers call you do n't pick up and block the numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with PNC Bank N.A. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: This is the second complaint I have filed. I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I broke my heels and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was XXXX/XXXX/17, it was {$730.00}. It is now XXXX/XXXX/17 and I am expected to pay not only this month 's payment but last month 's payment as well. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: ON   XXXX     I MOVED OUT OF THE APARTMENTS.   XXXX   XXXX   A COLLECTION COMPANY NAMED  XXXX   XXXX   XXXX    XXXX   XXXX  , REPORTED A DEBT IN THE AMOUNT OF  XXXX  ON MY CREDIT REPORT. I NEVER RECEIVED A DEBT VALIDATION NOTICE. I KNOW I HAVE 30 DAYS TO DISPUTE A DEBT BEFORE IT IS REPORTED ON MY CREDIT REPORT. BEING THAT I DID NOT MOVE OUT UNTIL THE   XXXX   XXXX   XXXX   THERE IS NO WAY THAT  XXXX   XXXX  COULD HAVE SERVED ME WITH THE DEBT VALIDATION NOTICE BEFORE   XXXX   XXXX   AND THEN LEGALLY REPORTED IT ON MY CREDIT FILE, BECAUSE THAT IS LESS THAN 30 DAYS.     I SPOKE WITH THE ORIGINAL CREDITOR,  XXXX   XXXX  AT  XXXX , AND THEY ALSO STATED THAT THEY DID NOT EVEN COMPLETE THE INVOICE UNTIL  XX/XX/17   . THEY ALSO STATED THAT ONCE THE INVOICE IS FINALIZED THEY ALLOW THE CONSUMER 14 DAYS TO PAY THE ACCOUNT BEFORE SENDING THE ACCOUNT OFF TO COLLECTIONS.     I WOULD LIKE THIS DEBT TO BE REMOVED AND I WOULD LIKE TO BE NOTICED PROPERLY. THESE TIME LINES DO NOT ADD UP. THE EARLIEST DATE THIS DEBT COULD HAVE BEEN REPORTED ON MY CREDIT REPORT IS  XX/XX/2017    AND THAT IS IF THEY HAD NOTICED ME, WHICH THEY NEVER DID.     I WENT TO THE ORIGINAL CREDITOR ON   XXXX   XXXX   AND OBTAINED A COPY OF THE INVOICE AND DEBT THAT I WISH TO DISPUTE. I HAVE INCLUDED THAT INFORMATION WITH THIS DISPUTE

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 11/27/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (GA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: I lost access to an email I used to set up my first account on Coinbase. When I login using that email, I receive the SMS text message authorization, but the second step sends an email to the account I lost access to. So, I know the coinbase account is still active. They have guidelines for how to remedy this situation. I followed them by creating a new Coinbase account and uploading my driver 's license so they could verify I am the owner on both accounts. I have contacted them several times, but never get a response. 

Contacted them on the below dates : XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) XX/XX/XXXX ( # XXXX ) I have included snapshots of the emails with the case numbers created at the bottom of each. I purchased XXXX bitcoin in XX/XX/XXXX for {$95.00} and is now worth over {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern, this is my second time writing to you about my mortgage company, since the beginning of the year Chase Home Finance placed me under review for a loan modification. After several weeks waiting for a decision on my loan modification request. Chase just told me today that my request was denied because they were not able to verify my income. 
So I requested for a manager since I did n't make any sense what Chase was telling me, when I provided copy of my pay check stubs, tax returns, XXXX form, and a full verification of employment. 

Now Chase keeps transferring me to different departments telling me that since my modification request was denied they will no longer speak to me. I asked for a manager and they hang up on me. 

I am very upset about this since Chase seems not to take my request for a loan modification serious. in fact they keep transferring the calls to several departments to disconnect the call at the end.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX/XXXX/16 XXXX reported XXXX accounts from XXXX XXXX which in which XXXX XXXX was the original creditor ... .I disputed the account because I never lived in XXXX XXXX so XXXX DELETED the accounts On XXXX/XXXX/2016 XXXX repoted the same accounts under a different debt buyer. Progressive financial services. I was not notified of the accounts. This is re-aging an account. XXXX an Progressive have not validated the account according to the FCRA

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