milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar denied XXXX XXXX application on the erroneous basis that she failed to submit documents. Nationstar continually requests documents in a piece meal fashion and as a result of its asking for documents one at a time, all the other documents grow stale and my clients ends up on a document production treadmill where the application is never completed because Nationstar requests documents one at a time or in piece meal. As a result, it denied XXXX XXXX application. All the necessary documents were PDF to XXXXXXXXXXXX but he is out of the office until XXXX XXXX, 2015. All the necessary documents were then faxed over to Nationstar today. 

Since, this is Nationstar 's error, we are requesting that it review XXXX XXXX application in its entirety and in the time frame required by HAMP, which it does not do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (MD).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: All of my detailed information is attached to this complaint. During this whole ordeal I ca n't understand if a debt was paid-in-full due to a total loss claim, HOW does a company consistently accuse you of still owing, keep this mis-information on your credit reports in their alleged justification and refuse to admit that the accounting fault is the fault of the company for how they handled the pay-off settlement for this loan. I should not continue to have my credit scores damaged because this company is determined to penalize me for not being able to collect 5 years of high interest rates for the loan I had with them. 
At the time of the loan I entered a second chance loan agreement at 24 % interest for 60 months. However, because the vehicle was totaled when an act of nature occurred ( I unavoidably hit a dear in the midst of an Ice storm. Prior to that I was forced into a bankruptcy in order to save my home from foreclosure ; of which all of my debts had to be included in this filing. Since this company fell under that jurisdiction they were listed, BUT EXCLUDED from the original proceeds because I agreed to pay them separately to maintain my credit under the second chance program. However when all of this happened, they tried to use the bankruptcy status to justify why they kept accusing me of still owing them money - '' AFTER THE ACCOUNT WAS PAID IN FULL!!! '' Now this account has bee listed as a charge off which is bad for my credit rating and bad because they are still proclaiming that I owe them money!!!!! This is the question I keep asking EVERYBODY : IF YOU PROCESSED A PAY OFF CLAIM ACCORDING TO WHAT YOU STATED WAS THE PAY OFF AMOUNT, WHY WOULD N'T YOU REPORT THE CORRECT PAY OFF AMOUNT IN ORDER TO BE PAID IN FULL????? 
NOT ONLY THAT, WHY WOULD YOU HOLD THE CUSTOMER RESPONSIBLE FOR YOUR MISTAKE, RUIN THE CUSTOMER 'S CREDIT RATING AND CONTINUE TO REPORT INCORRECT, DEROGATORY AND NEGATIVE INFORMATION FOR THE ONLY PURPOSE AS TO KEEP ME IN FINANCIAL BONDAGE FOR THE LENGTH OF TIME THAT I WOULD HAVE BEEN PAYING THEM IN INTEREST RATES FOR THIS HIGH END LOAN! THEY FEEL IF I WANT TO GET RID OF THEM THEY ARE TRYING TO FORCE ME TO PAY THEM WHATEVER THEY WITHHELD FROM THE PAY-OFF AMOUNT JUST TO ATTEMPT TO MAKE ME PAY THEM MONEY

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citi Bank opened and issued me a MasterCard credit card in my name without my consent or request.As you know this can lower my credit score, and share information I want kept private. My mail box has been invaded by junk mail from them for years trying to give me their card and now they just by passed my consent and issued it to 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 explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Pretty simple, really. Just like many, many others, when visiting annualcreditreport.com and requesting all XXXX credit reports, I received only XXXX ( XXXX ), and the others ( XXXX and XXXX ) both reported " errors. '' How can we trust these agencies with our financial information if they ca n't even follow the law and provide annual free credit reports without having to resort to mailing documents and such. They clearly are intentionally mishandling the requests for free reports, and make it difficult to obtain them - unless of course you want to pay for it. 

It 's despicable. Sad, really. Pathetic, even.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from XXXX XXXX XXXX itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
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 Debt collection (I do not know) with National Credit Adjusters, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: BOTH COLLECTION AGENCIES FAILED TO VALIDATE DEBT, IN VIPLATION OF SOL, FCRA, FDCPA, TCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: Diversified Consultants XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested on (? ) XX/XX/2017 Permissible Purpose : Collection I do not know these people. They are mistaken in applying this to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2015 about Credit card () with SYNCHRONY FINANCIAL (SC).
Issue: Billing disputes

Complaint: When paying the Sams Club XXXX online, the authorizing screen switches to the minimum payment, typically {$25.00}, if you do not wait for the previous screen to fully come in before clicking to proceed. The only indication that it has not come in fully is a small circle still spinning near the top left of the screen. 
This has caused me and I 'm sure countless others to end up with unwanted finance charges. I complained to the company. They returned my fees, but I see they have not fixed their website and it almost happened to me again, today.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient incorrectly placed lates on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I submitted notarized letters on XX/XX/2016 and on XX/XX/2016 in regards to US bankruptcy XXXX. As of XX/XX/2016 I contacted the original creditor they have listed as reporting the listing at XXXX and spoke with XXXX who informed me that they have not done any reporting whatsoever to ANY agencies to include the credit bureaus. This has led me to the conclusion that any previous correspondence informing me of an honest, thorough investigation was not only not completed, but the results were falsified. This is a major crime against me as a person and my consumer rights as well as my consumer rights. I intend to file suit if this bankruptcy listing as well as all accounts attached to said bankruptcy are not deleted from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Billing statement

Complaint: I got a credit card from TD Banknorth in XXXX 2015 with a {$7500.00} credit margin. I gave them my Florida adress as well as my northern adress because I live in Florida only 4 months per year. I used the card without problem until the spring of this year. An amount of {$250.00} was put on my card and the account sent to my Florida adress. The Bank says the the US Postal Service returned all statements sent to my Florida adress even though I had advised the US Postal service to forward my mail at my XXXX adress. 

I did in fact received at my XXXX adress all the mail sent to my Florida adress excep of course the statements coming from TD Bank. 
TD Bank had my XXXX adress in their file but they decided to ignore it. They had also phone numbers that they could use to reach me but did n't care to use them. 
Instead, they notified the credit agencies that I was delinquent, that my credit card was suspended and that they had written off the loan. 
I learned of all this from another Bank and after having paid off the amount owed to TD Bank I asked them to notify the credit agencies so that my record be clean but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: MIDLAND CREDIT MANAGEMENT WA S PROVIDED WITH A CEASE AND DESIST ORDER BACK IN   XXXX   XXXX   XXXX   . I N  XXXX    XXXX   I RECEIVED A INTENT TO SUE LETTER FROM  MIDLAND CREDIT MANAGEMENT. IN GOOD FAITH I SETUP PAYMENT ARRANGEMENTS OF {$15.00} FOR THE NEXT 10 YEARS. MIDLAND CREDIT MANAGEMENT HAS BEEN ACCEPTING MY C HECKS EVERY MONTH WHICH CONSTITUTES AGREEMENT OF THIS PAYMENT ARRANGEMENT. I RECEIVED A CALL THIS MORNING FROM  XXXX   XXXX  ADVISING THAT NO PAYMENT ARRANGEMENT WAS AUTHORIZED BY HIS OFFICE AND THAT HE WILL SEND MY CASE TO LITIGATION. I ADVISED  XXXX   XXXX  THAT 1. CEASE AND DESIST PREVENTS THESE PHONE CALLS. FDCPA  VIOLATION { $1000.00}. 2. BREACH OF PAYMENT ARRANGEMENT CONTRACT IS ANOTHER VIOLATION {$1000.00}. 3. THREATENING TO SUE WITHOUT MEANS TO SUE IS ANOTHER FDCPA VIOLATION {$1000.00}. 4. DEBT HAS NOT EVEN BEEN PROVEN TO BE MINE. 5. THERE IS A CEASE COLLECTION BAR THAT IS INVOKED ONCE A DEBT VALIDATION LETTER WAS SENT. I NEVER RECEIVED A RESPONSE TO THIS LETTER. 6. CREDIT REPORTING OF THIS ACCOUNT IS AN FCRA VIOLATION OF THE EARLY-WARNING NOTICE CLAUSE O F FACTA SECTION 623 ( A ) ( 7 ).

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 Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have disputed XXXX address on my credit report. Experian said the addresses were removed and that my credit report only showed my current address. However, the following week I called Experian on XXXX/XXXX/15 only to XXXX that they did not remove the addresses that they claimed were removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Fraud or scam

Complaint: Back in early XXXX I sent funds ( {$2000.00} ) from coinbase to contribute in an ICO. The ICO sent the corresponding transaction back to my Ethereum wallet on coinbase ( Its an XXXX token so they can be sent to ethereum wallets and help along with any XXXX token ) but coinbase does not recognize the token and refuses to assist in anyway to send to tokens to a seperate wallet address for me. It took them over two months to even reply to my request for assistance and when they did they flat out refused to help. The process to do this is simple and would take maybe 5 minutes. I have emailed support and opened several cases, every time I am told they can not and will not help resolve the situation. This happens rather often and this company is holding my currency XXXX in my wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I made a lump-sum payment to Ditech ( XXXX XXXX, SD ) at the end of XXXX to bring my mortgage current through XXXX XXXX, 2016. Since that date, I have received several collection notices. After numerous telephone calls to the customer service department, my mortgage is still reflecting a late payment. The funds are in a 'suspense balance. ' Today, at XXXX, I called again. The rep does not know what the problem is and neither do I. Perhaps your investigation will provide the answers I seek.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (PA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: Credit Karma advertised a new product this year, Credit Karma Tax, as No upsells. No hidden fees. Free for everyone. Truly free from start to finish. We have absolutely no upsells or fees. Everythings included. However, when attempting to sign up, they require a phone verification step. I entered my phone number and was met with an error message We dont support this phone type. Please enter a valid mobile or landline phone number. [ Screenshot available. ] The phone number, which is the same one as on this complaint and on my account, is perfectly valid and you can call it to reach me when I am available. However, it is not from one of Credit Karmas preferred providers. In order to use their service, falsely advertised as noted above, one MUST purchase contracted phone services from one of Credit Karmas preferred providers, and pay for that.
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The page requiring this phone validation has a note that says Do n't have a phone? Contact Member Support so I did, and was told that theres no other way around it, I just have to get a phone from one of their preferred providers in order to use that system. That is an upsell, a hidden fee, and it makes sure that access to the system is NOT free for everyone.
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Customer Support wrote, We do our best to balance your security with efficiency. Im not able to bypass this security procedure. We sincerely apologize for any inconvenience. This does not account for the continued false advertising, which they should STOP.
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Imagine if I made the same advertising claims for some software I offered, but then if someone actually tried to use that " free for everyone '' offer I 'd let them know that it 's actually only available to members of  XXXX  - for security purposes, because those people have been screened to my satisfaction. The initiation fee to join that club starts at {$200000.00} plus annual dues, but once someone has paid all that s/he wo n't have to pay anything more for my software. Would you say that 's really " free for everyone? '' What Credit Karma is doing here is the SAME principle. The eligibility pool is larger, and less expensive than   XXXX   to get into, but still not cheap and definitely not free. They CAN NOT make the assumption that everyone has a paying account with one of their preferred providers, and if theyre restricting usage to only their customers that should be reflected in advertising rather than the current false statements.
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I tried making this point to the company directly, and going through BBB, but they just did n't respond, because false advertising is more profitable and not penalized.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: incorrect informations

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 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon receiving a copy of my credit report, it appears as if I have a LOT of inquiries that DO NOT belong to me. I even have  XXXX  inquiry  (   XXXX   XXXX   )  showing twice for the same date (  XXXX  ). I mailed out a certified letter on  XXXX   XXXX ,   XXXX   in regards to  XXXX  hard inquires that was being reported on my credit report that were not factual. They received the letter on  XXXX   XXXX ,   XXXX  , the request was completed on  XXXX   XXXX ,   XXXX  . The letter stated that they can not remove inquiries and that I need to contact the creditor directly. I did another request through Equifax online dispute system on  XXXX   XXXX ,   XXXX   that included the same  XXXX  inquiries stating that they were not factual. I then received notice back that my request was completed on that same date  XXXX   XXXX ,   XXXX  . The response from Equifax this time was " Inquiries are a factual record of file and access. If you believe this was unauthorized, please contact the creditor. '' on all  XXXX  of the inquires I   submitted. According to the FCRA Rules FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that my investigation was completed in 3 days of them receiving my certified letter during my 1st request and next during my 2nd request the investigation was completed on the same day as the date I disputed it. One can assume that there was no investigation into the matter in such short time frame. I plan to purchase a home this year and having so many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original disputes for hard inquiries that does not belong to me. I did not sign for anything. These are unfair practices by Equifax with no concern for the credit worthiness of a consumer.
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BYL Collection Services (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Auto) with Midwest Service Bureau, Inc. (MO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Manager there told me that she answers to no one. I asked where I can report her and she said there was no where to report her and there was no need to try as my problem will only be solved through her. Luckily we live in the day of information. I would highly recommend reviewing the number of complaints about this facility. XXXX reviews show that every person who calls gets this same treatment.. The manager I spoke to informed me that she answers to no one so I assume that 's how she runs her whole department. Absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax, is not acting in good faith and unfairly and inappropriately reporting me negatively on my credit report, for an account that was transferred out to   XXXX   in   XXXX   and they already deleted the tradline, but on the  XXXX  account it 's still showing being delinquent in  XXXX . When I reached out to Equifax they gave me the run around, although it 's clearly showing that the account is not accurately reporting,

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (DC).
Issue: Other transaction problem

Complaint: My complaint is about Coinbase, a digital currency platform.   XXXX   2017 I tried to verify my identification ( by uploading my Hawaii drivers license ) in order to increase the daily amount of bitcoin that I can purchase. However, because there is some issue with Coinbase not allowing Hawaii residents to open accounts, I became locked out of my account.
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The issue now is that every time I log in, I get this " unable to create account '' screen and I can not get to my dashboard to move my funds out and close my account. I do not have any issue with Coinbase not allowing Hawaii residents to open accounts. My issue is that I 'm caught in this catch 22. I want to move my funds out and close my account, per Coinbase 's rules, however, I ca n't get to my dashboard to do so.
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I 've been emailing Coinbase 's customer support almost daily since  XX/XX/XXXX  and have yet to hear a response. They do not have a customer support phone number. I have over {$1000.00} in my account which I can not get access to. It 's very frustrating and I 'm not sure how else to contact Coinbase.

Company response to consumer: Closed with explanation