milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-11-2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (IN).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter saying my mortage was sold and I was to send my payment to a new mortage company. Two weeks later, after I had already sent my payment to the new mortage company, I received a letter saying they made a mistake and I should keep sending my payment to them. 
I have been over 18 months trying to get my payment credited to my account. They have admitted it is there mistake, but have done nothing but harass me about a late payment since. 
I do n't know what to do.

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 07/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Specialized Loan Servicing LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Specialized Loan Servicing accepted funds from the Hardiest Hit Fund and applied {$77000.00} to the loan and it was current. I have been making payments on time with no issues since XX/XX/XXXX-XX/XX/XXXX i tried to make a payment for XX/XX/XXXX and the customer service representative XXXX XXXX told me that my mortgage account was in default and i had not make a payment since XX/XX/XXXX. Then she did some research and told me to call back in 5 days and that she could not accept a payment, and i informed her that i need to make a payment in order to keep my loan current, and she hung up the phone in my face. 

I called back on XX/XX/XXXX spoke with customer representative and he informed my that the hardiest hit funds had not been applied to my account so my loan had to be recast to include funds that had not been applied to my account this was a surprise because i have made all payments on time and i have proof with my bank statements and i informed him that i have not missed a payment and he told me he can see that in my payment history however i will not be charged a late fee when i pay within 48 hours. 

Called back on XX/XX/XXXX spoke with a supervisor XXXX XXXX and he advised me that he was creating a ticket so that they can apply {$77.00} and my last 8 or so payments and the loan will be current within 48 hours. I am so confused about how i have spoken to more than XXXX customer services representatives and none of them have no idea what is happening with my Home Loan that was current for 9 months then all of sudden it is delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Other

Complaint: American Express put a charge off on my credit for a credit card that I am still paying on and have never missed a payment. First of all, the card I received was not the card I applied for. Once I realized that the card required full balance payment every month, I owed XXXX. 
I then contacted them and set up a payment plan. I have been paying on the plan every since and on time!

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (I do not know) with AFNI INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI is on my credit report again, after being removed, and have had been made contact with. I do not owe AFNI nor the company that they are claiming to represent any money what-so-ever. This company needs to leave me alone! I Want them removed from my credit reports in less than XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I was approached online by the University I was assured by School Admit., If I were deemed by the state to be XXXX I would not be held liable for school. I kept up on all correspondence immediately upon receiving it forward it, over, and over, to Nelnet, then XXXX and spoke to many representatives, faxed information, and still I see the funds accruing. I was faced head on by my husband XXXX XXXX XXXX with my niece, in my own home, who was also attending school and I left my job to care for her baby girl, at the time she was XXXX with my husband became XXXX. I was forced out of the home, subsequently homeless, staying place to place, in my car ... I would have never attended the school if I wasn't assured & promised by the School, knowingly already applied for Social Security XXXX when they enrolled me at the school, I was told that I would not be held liable to pay for it if I was approved to receive Social Security, my earnings would be cut by 2/3. I am sick, frustrated, cant get a job, cant afford to get into my own home, cant afford an attorney to finish divorce. I am beyond words. HELP ME PLEASE!

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (KS).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently experiencing some of the same issues involving navient. I took a private loan out to repay for my XXXX XXXX. I was informed that these loans are in forebearance rather than deferment while in school. So a small loan turned into a large amount which is currently accruing interest while in forbearance. I feel as though I have been lied to about the correct appropriations of my repayment efforts. Furthermore, Navient did not consult me regarding my forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (I do not know) with Green & Sons Agency, Inc. (UT).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Outsource  Receivables MG has failed to respond to multiple requests for validation on the amount they are reporting on my  XXXX  report of {$120.00}. I have attached the most recent requests to this complaint. They have failed to provide me the information requested to validate and/or verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX sent my bill to a third party collector for collection. Previously I requested an itemized bill to verify the amount owed was legit since it was an exorbitant amount XXXX I only received a bill for the balance owed with no itemization or details as to how that amount was derived.Now the amount is XXXX How could I owe that much on one phone bill that was being paid monthly without any interruption of services? I do n't have a problem paying I just need proof of what is owed in writing. If it is a valid balance why ca n't they produce a bill. ]?

Company response to consumer: Closed
Consumer complaint received 12/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NC).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, XXXX, there was an attempt to transfer XXXX Litecoin from the cryptocurrency exchange XXXX ran by Coinbase, to the cryptocurrency exchange Binance. To transfer cryptocurrency from one exchange to another, it should take only as long as the blockchain takes to confirm this transaction, as no bank processing is involved. Stated on the Litecoin blockchain explorer site, transactions are confirmed after six transactions. Currently, XXXX XXXX, XXXX, my transaction has XXXX confirmations and still counting. My LTC transaction hash is, XXXX. By searching this hash on, XXXX XXXX XXXX the transaction can be found. XXXX Litecoin is roughly equivalent to {$1300.00}, which is a decent amount to be missing for 10 days now with absolutely no response from the company. I sent the company a support ticket but still have not received a response, and the problem seems to be shared across a lot of users according to social media. 
Because there has been no type of response or acknowledgement of this issue, I am afraid my funds may not reach my account. I would like to know more about filing a lawsuit against Coinbase and XXXX for financial mismanagement. If this can not be done, I am curious as to what regulatory standards this company is being held to concerning their legal financial management. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (LA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I made a {$180.00} payment on my Bank of America Visa card acct on XXXX XXXX, ahead of the XXXX XXXX due date, and received a confirmation number ( XXXX ). BOA charged me a late fee and did not credit the payment. I managed to have the late fee reversed on XXXX XXXX, but the payment has still not been applied.

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 08-03-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Rewards

Complaint: My american express blue cash credit card is supposed to pay 5 % rewards on XXXX categories of spending at supermarkets, drugstores, and gas stations once I reach XXXX in spending for the rewards year. i reached the limit with XXXX in spending as of my XXXX/XXXX/16 billing. Since then I have continued to get only the low 1 % rewards with my XXXX, XXXX, and XXXX billings. I have called many times for the last 3 months without success. My last contact was an email stating my rewards were correct, unsigned with no callback number except for general customer service. Calls made since get only long waits, transfers, and promises to investigate all without success.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I am currently refinancing my VA home loan. On XX/XX/XXXX, I received my credit score from Equifax ( whom I subscribe monthly to ). They stated my score was XXXX. ( see attachment 1 ) On XX/XX/XXXX, the XXXX XXXX ran a credit score and Equifax reported a score of XXXX. ( see attachment 2 ) As I do not subscribe to the other credit bureaus, I can not state if they reported different scores.The difference in scores raises my closing costs by more than {$1000.00} per the lender. 
In addition, in XX/XX/XXXX I bought a motorcycle, in XX/XX/XXXX I bought a house and XX/XX/XXXX I bought the house I am refinancing. On all of the purchases, the scores reported were different also. At that time, I called Equifax and tried to resolve the problem. They argued with me and told me there nothing they could do as the info was reported based on their computer program. I did not file a claim with you because I as was told you already had a law suit against them. 

When I noticed the same problem this time, I contacted your office again and was told the suit was settled. Please see your ARTICLE 1422 CFPB ORDERS XXXX  AND EQUIFAX TO PAY FOR DECEIVING CONSUMERS IN MARKETING CREDIT SCORES AND CREDIT PRODUCTS. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 09/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: TransUnion credit agency is a FRAUD! I was notified by " XXXX '' ( my XXXX card ) that they were boosting my APR from 9.99 % to 16.99 % based on a credit report from TransUnion ( see copy of XXXX XXXX letter ). A 7 % boost!!! It listed multiple delinquencies. I 've not been delinquent on ANY payments. A XXXX account was closed when a public fiduciary seized my account - not my fault ( and it 's being disputed in court ). I have XXXX credit cards and have made ALL payments without ANY delay or late payment ( for more than 25 years ). 
XXXX listed the TransUnion agency. I went there to find out why my report was incorrect. Their report stated my credit score was higher than I thought and there were NO account delinquencies. NO 'lack of recent installment loan info ( do n't HAVE ANY installment loans ). 
After logging out of the TransUnion site, I discovered I have signed up for their 'service ' and there was a {$1.00} charge ( though the XXXX XXXX letter states it 's a free service ) PLUS I had subscribed ( I DID NOT!!! ) to their 'service ' and would be charged {$17.00} per month - charged to my credit card. 
I am forwarding a copy of past complaints I found doing a XXXX search on this fraudulent 'sham ' of a company. I stopped at XXXX pages. I have no idea how many pages of info followed ; though I 'm sure I only scratched the surface on those I copy/pasted. 
This company should be shut down and people should be going to PRISON!!! This is pure consumer fraud!!! 
I 've cancelled and shredded my credit card so they ca n't 'soak ' me for {$17.00} per month. I 've had to go through a lot of aggravation because of these scammers. I would like to see them exposed and jailed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Payoff process

Complaint: I had a personal Capital One credit card ( actually XXXX of them ). I got be hide on the payments due to owning my own business. I was contacted by XXXX XXXX collecting agency demanding a payment. I contacted XXXX XXXX and came to a resolution on the account. XXXX XXXX and I agreed to a settlement offer. On XXXX XXXX, 2016, I paid XXXX XXXX {$680.00} of the {$970.00} balance, Capital One in XXXX 2016, started reporting the collection balance of {$290.00}. ( the difference between the XXXX amounts ). I contacted Capital One and the representative stated unless I pay the {$290.00}, they will continue to report and try to collect the amount, I forward Capital One the letter I received from XXXX XXXX stating the debt was paid through a settlement with a XXXX balance. Capital One said the paper did not reflect what I owed them. I told them that XXXX XXXX was acting on their behalf. I contacted XXXX XXXX and asked if they had sent over the arrangement that we agreed upon. He replied yes and that the account was paid in full and that he would contact Capital One. I waited a week and contacted Capital One. I was told that I still owe the {$290.00} and it would be reported until it was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Payday loan () with Big Picture Loans, LLC (TN).
Issue: Charged fees or interest I didn't expect

Complaint: Applied for XXXX dollar loan lende wanted 24 payments of XXXX paid back to them. 
Big rip off over XXXX dollars for only XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I signed up for a Walmart credit card the and PAID with my card and she swiped it to " activate '' it and in turn she had it pay for it also so if anything that woman that did the sign up is responsible for that payment or her Manger because she was not properly trained on it and I refuse to pay for something i NEVER!!!! Agreed too so take it up with XXXX iowa XXXX XXXX XXXX XXXX walmart not 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 monetary relief
Consumer complaint received 05/18/2015 about Consumer Loan (Vehicle loan) with HYUNDAI CAPITAL AMERICA (NY).
Issue: Problems when you are unable to pay

Complaint: I have/had a loan with Hyundai finance and gave them my information for them to take money out of my account and they would send me an email payment received. They never took the money out of the account never contacted me about a problem and just showed up and took the car and would not let me have it back. Said they called me told them I had no record on my call log then they said they do n't have to call and they sent a letter said I never received a letter. They said the email of payment processed meant nothing and it was my fault. Would not work with me and picks and chooses when they want to follow their rules. The problem was not me not able to make a payment the problem was they said payment processed and they never took the money, said bank refused the authorization of the payment but do n't know why. Called the bank and they said they never attempted it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been sending disputes to Transunion every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either.

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 05-05-2017 about Mortgage (Other type of mortgage) with Shellpoint Partners, LLC (NV).
Issue: Struggling to pay mortgage

Complaint: The dates are from  XXXX    XXXX   to current. There are thousands dollars involved here and even more thousands of hours involved. The people involved as the paper handlers, i.e.,   XXXX   XXXX   XXXX   etc., has changed  four ti mes. It all started with  XXXX , then switched to   XXXX   XXXX   XXXX  , then to  XXXX , then to and currently with  Shellpoint Mortgage Services.  I have had to go through  three mediations, two  of which failed, and have made hundreds of copies of documents and filled even more forms, over and over again. Shellpoint is trying to hold me responsible for thousands and thousands of dollars in charges and fees from these pas t seven y ears of trying to deal with this mess. If this had been handled properly and in a timely manner, none of these charges would exist and I would not be typing this complaint right now.    XXXX   XXXX   XXXX   XXXX   XXXX    is involved somehow and no  one  person owns my loan, it is owned by a computer system. I have spent countless hours on the phone, writing letters, typing emails and I have also gotten Senator   XXXX   XXXX   XXXX   office of   XXXX   Nevada involved.  XXXX , my contact there, suggested I contact your agency. So, here I am, contacting your agency. There is no way I could possibly send you the documents regarding this " modification '' as there are hundreds and hundreds of them and I would not even know where to begin or what to send you first. I will need assistance fro m one  of your representatives in this matter. I will need someone from your office to tell me what you want first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Account opening, closing, or management

Complaint: I had a chase checking account for more than XXXX years ( Account # : XXXX ). I got it activated again by visiting their branch in XXXX ( XXXX ). I submitted all the documents and signed the required SSN declaration too. To my surprise my account was closed without any notice and without any explanation. I had given my account details for my paycheck and now I 'm left without an account and denied of banking service. I 'm not sure why my account was closed and was it due to any kind of discrimination due to my first name. My contact details were intact and I even received account statement from chase in my postbox, which means my contacts are intact. I did n't receive any communication either via post/ email / sms from Bank regarding my account closure. I discovered my card didnt work and when I contacted customer support I was told it was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: # 1. Not doing due diligence and debt verification - even after repeatedly showing discrepancies in the collections amount. 

# 2. Encouraging me to pay up disputed amount Encouraging me to pay because I am receiving a 30 % discount # 3. Detail emails questioning validity of the collection amount sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
No response. 

# 4. Called walked thru the discrepancies XX/XX/XXXX - received acknowledgment the agency understood what I was talking about. 

I am disputing the amount that added up to {$540.00}

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