milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have a credit monitoring service with Equifax. I am unable to access my credit report due to some type of error within their system. This has been an ongoing problem with my account for well over a year and a half. I temporarily canceled the service last year due to the frustration of the problem. I was able to recently sign back up and gain access to my credit report but shortly after, the same problem started to reoccur. As a result, I am no longer able to access my tri-merge report with any of my other credit monitoring services i.e. Credit Check Total due to the system error within my Equifax file. I have spent countless hours making phone calls to Equifax to no avail. They continuously send me from department to department and nothing is resolved. They tell me things like, a ticket will be created and escalated and should be resolved within 7-10 days. I have waited several 7-10 day periods and still, the problem exists.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Problems when you are unable to pay

Complaint: I have notice some issues with my account Balance being the same since my vehicle purchase in XXXX 2013 and my loan dates the maturity date as well as my payment dates. Credit bureau reporting balance is always wrong as well as payment amounts. I would like for this to be researched due to the fact that this finance company Consumer Portfolio Services has had some the same issues going on for years. Which I just learned of doing some research on the CFPB site. Consumer Portfolio Services is still engaging in the same deceptive tactics as before even though they were fined and put on the radar with CFPB. Please look into this company again, they are still up to the same practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: i started to use coinbase from 4 months and everything was fine untill one day i deposited XXXX $ and the deposit was complete after that i tried to buy some cryptocurrency from then and they asked me to verify my account and the verfication included home address, name, SSN, and job title. after providing all the informtion needed i was told that they can not locate my Id then i send them a copy of my documents SSN and bank statment and driving license they replied that they can not solve it manually and they are using a third party and to keep trying untill i solve that quiz.I have been trying to solve it for a month now with no result.now i need to get my money back which is XXXX $ as i used XXXX $ for purchasing some cryptocurrency before having this problem.now it looks like they can not help me by anyway so i am asking for your help. 

thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: i am being charged an extra XXXX dollars on my student loans that Nelnet nor the XXXX will assist with finding out why. Loans were consolidated and put as additional loans on my account and i did not consolidate. Both companies have stated that they have no record of an application being completed for the consolidation. i have a print of of my loans and they add up to an estimated XXXX plus interest of XXXX would equal XXXX but my loan account is showing XXXX no answers have been given and nothing has ben done between both entities. Please assist with this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Debt collection (Mortgage debt) with Brock & Scott, PLLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Brock & Scott PLLC ( B & S ) is produced and recorded with XXXX  County Circuit Court a false Appointment of Substitute Trustee from the alleged Lender/Investor XXXX  XXXX XXXX XXXX XXXX ( XXXX ). Appointment was signed and notarized by XXXX XXXX XXXX XXXX employee acting as " attorney -in-law '' for XXXX and notary public also employee of XXXX . 
On, XX/XX/XXXX, in accordance with 28 U.S.C. 1746, I sent a second request to verify the alleged debt as follows : 1. Provide Lenders direct contact including name, address, and direct phone number according to 15 U.S. Code 1692g ( b ) 2. Alleged Account # with Lender/Note Holder/Investor 4. Amount of alleged debt : 5. Date this alleged debt was acquired.
7. Amount paid if debt was purchased.
8. Provide copy of Servicing Agreement between alleged Lender/Note Holder/Investor and loan servicing company. 
9. Authorization to an alleged Servicer to Foreclose on subject property on behalf of Lender/Note Holder/Investor.
10. Provide verification that your company as a debt collector is authorized to act on behalf of the stated creditor.
11. Verify specifically, name ( s ) of person ( s ) assigned as Trustee to handle trustee sale and to be held accountable. 
XXXX XXXX XXXX provided only a copy of deed of trust and Note, but with a word REDACTED on it to create an impression, the documents are made from legal size pages. 
On XX/XX/XXXX, in response to my previous complaint, B & S claimed to have the original copy of Deed of Trust and Note. This is a lie to government agency. 18 U.S.C. 1001 is generally prohibits knowingly and willfully making  false or fraudulent statements, or concealing information, in " any matter within the jurisdiction '' of the federal government of the United States. 
If B & S insists on having the original Deed of Trust and Note, I demand to mail a copy of original legal-size Deed of Trust and Note to CFPB and to the Office of Virginia Attorney General, Consumer Financial Protection section, and to me for a comparison, as I do retain a  homeowners copy of all closing documents including the Deed of Trust and Note. 
Otherwise, I want you to know that B & S engaged into white-collar crime by conspiring with XXXX in their attempt to commit a civil theft and fraud against Land Record.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries listed below be REMOVED. 
XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/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 explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: XXXX XXXX XXXX Chase Bank has closed my credit card account ( s ) without warning or any notification. I have been making my payments on time. I am overseas and asked a friend to make my payments. I would send him the money and he would make the payments. Last payment made XXXX XXXX XXXX. 
I have ( had ) two credit cards with Chase. 
XXXX XXXX and XXXX XXXX. One had a ( XXXX ) balance the other approximately {$650.00} balance. Both accounts were closed. 
PLEASE HELP. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been penalized for paying off my debts. My credit score is terrible, and the mortgage lender is threatening to refuse my mortgage loan or not honor the rate set. The scoring system is deeply flawed. The credit score does not reward financial responsibility. My score always plummets immediately after I pay off my mortgage. I have no time to find or build a new home with a good credit score. 
I do not want to use credit cards, and the system requires that in order to have a good score. This encourages debt. It has nothing to do with credit worthiness. I have had XXXX mortgages, XXXX auto loans and several student loans. All have been paid on time and closed with no incidents. Nevertheless, I have a " fair '' credit score. They drop mortgage loans after a few years so that lenders do n't see the history. So, they penalize people who stay in the same house for a period of time. I would like for something to be done about this. It is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, Ca n't reach any companies by these names.Do n't know if these accounts are mine. Accounts seem very old and odd : 1. XXXX XXXX XXXX Account # XXXX 2. XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Despite writing two letters to Capital One to correct my payment history across my three credit cards, they continue to report no payments for XXXX andXX/XX/XXXX on my credit reports despite my evidence that this is inaccurate. I am enclosing a copy of the electronic payments made for these dates.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My student loans were bought from XXXX by Navient. over a month ago. During the interim, The XXXX XXXX XXXX XXXX XXXX awarded me and paid a XXXX check payable to XXXX towards my principal balance. XXXX confirmed this payment was then electronically sent to Navient on the XXXX of XXXX ember. As of yesterday, Navient claims they have not located this payment. I then put an XXXX rep on the line with a Navient rep that gave them a trace number for this payment. Navient assured me that once the payment was located, it would be retroactive to XX/XX/XXXX. I am not impressed with Navient at all so far. They would not even allow me to talk to the department that receives electronic payment. There is a 60 day cut off of these funds being null and void and I have a sick feeling Navient is going to drag out this process and I will lose the XXXX payment I earned from The XXXX XXXX XXXX XXXX XXXX. I am a XXXX and am only continuing to work XXXX I am currently in for this benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: My XXXX Aunt went into your Capital One bank in XXXX, NY in XX/XX/XXXX. She had an IRA Annuity from XXXX that was issued in XX/XX/XXXX. She indicated that she wanted a fixed income for life. Instead of annuitizing her existing contract which was paying a higher annuitization rate due to the fact that it was an older contract issued when interest rates were relatively high, the Capital One agent, although the objective was current income, put on the financial profile that liquidity needs were low and she had a 9+ years time horizon. I do n't know of any XXXX with that kind of investment time horizon. Liquidity was paramount. On the Regulation 60 the reason for transfer was " need for Lifetime income ''. And they said " the reason the current contract could not meet the client objective : " it is a fixed annuity ''. In fact, the existing annuity could have provided a higher annuitized amount as it was an older contract, issued when interest rates were higher. A fixed annuity that was 11 years old could ( and should ) have been annuitized as it would have paid a higher rate of return. To make matters worse, as an IRA from which Required Minimum Distributions had to be taken, by using an immediate annuity, she is being forced to take much more than the required amount, therefore pushing her into a higher tax bracket and causing her Social Security to become taxable as a result. Nothing was done for the benefit of this woman. Because of their greed they put her in a very bad position financially. The only reason for exchanging the annuity was to put a commission in the pocket of the agent. This is taking advantage of Seniors at the least. At worst, it is FRAUD. The contract never should have been approved for sale under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Mortgage (Home equity loan or line of credit) with WELLS FARGO & COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: I owned a property that was foreclosed and I never contested. I do n't even recall being served but I received a letter from the court that a judgment was entered for the XXXX trust on the house, which was owned by Wells Fargo. Wells Faro 's attorney garnished my wages and I was making payments for about two years. Sometime around XXXX 2013 I get a letter from the attorney stating that my garnished wage order was dismissed. I spent literally 6 months trying to get an answer why, and never got a response. I have emails from the attorney and Wells Fargo, but no response as to why. I suspected that there was some time of violation, but did n't know who to talk to or what was possibly improper. I learned about the SCRA while taking my XXXX and suspected that the violation was charging me 10 % interest for over a year while I was on XXXX. When I attempted to contact the lawyer they wrote " We no longer have this file. Please call XXXX XXXX at ( XXXX ) XXXX at Wells Fargo Bank. She will be able to answer your questions. '' XXXX XXXX passed me on to another employee who told me that she knew why, but that legal would have to tell me. I called several times requesting information and never got a response. I figured something was very wrong, because of the sudden, " you do n't owe us anything. We ca n't talk response. '' I would like to know why I stopped paying and if my rights were violated, what is my recourse.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: MY NAME IS SPELLED XXXX XXXX I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND CREDIT REPORT. ON MY ID MY ADDRESS IS CURRENT THATS THE ONLY ADDRESS I EVER HAD IN MY LIFE ANY OTHER ADDRESS SHOWING ON MY CREDIT FILES ARE FRAUD, ALL OF THE PHONE NUMBERS ARE FRAUD ALSO.

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 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have 2 credit cards with limits over 6k, an excellent credit score, and I decided to go with a Citi card for my work expenses ( big mistake ). I was approved with only XXXX limit, this is not even enough to pay bills for a month if necessary. I was told that I had to wait 6 months before asking for a credit limit increase. I paid my card off in full every single month, and waited the suggested 6 months and was denied. I inquired about why this happened and was told that they don't have answers. I finally got to a manager who tried to put through a request again and all they said was that I haven't had the account long enough. I explained to them multiple times that I was told 6 months and now the agent was telling me 12 months. I asked what I needed to do to get approved and they would not give me any answers. I asked if I needed to go elsewhere and was told to " do what I want. '' I checked the BBB rating for Citibank and quickly realized that they have an F rating. I do not understand how a major banking institution could possible be so successful when this is how they treat their loyal customers. I will be informing everyone I know about how terrible and unhelpful this bank is.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (TN).
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: This account was set up without my consent. It was a student account. The charges and the account are fraud. I have been called and bothered enough with this account. I have tried to call and explain to them and even disputed it with   XXXX   and  XXXX .

DISCOVER FINCL SVC LLC # XXXX 
  XXXX   XXXX   XXXX    XXXX , DE  XXXX 
  XXXX   XXXX  
Date Opened:   XXXX  
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Date Updated:   XXXX   
Last Payment Made:   XXXX   Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed:   XXXX  
>Maximum Delinquency of 120 days in   XXXX   and in
 XX/XX/XXXX <
High Balance: High balance of   XXXX   from   XXXX   to  XX/XX/XXXX 
Credit Limit: Credit limit of   XXXX   from   XXXX   to   XXXX  
Estimated month and year that this item will be removed:  XX/XX/XXXX 
  XXXX     XXXX    XX/XX/XXXX    XXXX    XX/XX/XXXX  1

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I have missed XXXX monthly payments and the company is calling me 10 times a day, starting XXXX until XXXX, 7 days a week. I feel that this is not legal and definitely bordering on harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Other

Complaint: I submitted a debt validation letter to credit collection agency PRA. They responded with XXXX statements both showing I owe {$XXXX}. So, of this is the case why is this on my credit report? This debt should be removed from my credit report but they claim these XXXX statements are debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Follow up to my complaint XXXX. I still do not have proof that the returned monies from XXXX XXXX, MD have been credited to my escrow account. I need written proof that these monies have been returned to my account. New complaint : I have XXXX escrow analysis, dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, none of which are correct. They all have incorrect information on them stemming from the original problem.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: We annually apply for Income Based Repayment with Navient and XXXX. Navient consistently does n't know what and when we have applied. They require us to re-apply two to three times as they can not seem to find the paperwork. For example, last week we re-submitted paperwork through the StudentLoans.gov website and XXXX had received and completed the paperwork in less than 48 hours. Navient on the otherhand, can not find it and claim we did n't send it, even though we have proof we did. It seems they purposefully miss or lose paperwork so we are forced to pay on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Rewards

Complaint: The credit card company ( American Express ) changed my credit card from one type ( Blue Cash ) to another ( Blue Cash Everyday ) without my consent, and I would lose cash back money because of that. My current card has an annual cycle system for cash back, which means that the cash back I get depends upon the purchases I have made with this card during a 12 month period. My cycle starts on XXXX of XXXX of each year, and I get a lower cash back percentage for the first {$6500.00} I spend with this card, and after that I get more cash back percentage. This year 's cycle also started on XXXX of XXXX, and in the past 4 months, I have made most of my purchases with this card so that I reach the {$6500.00} limit as soon as possible, and start getting more cash back. Now, just when I am about to reach this limit, the credit card company has sent me a letter notifying me that my card has been converted to a different type, which has a completely different cash back system, and as a result, I would receive much lower cash back compared to what I would have gotten with the old card upon reaching the {$6500.00} limit. I contacted their customer service many times and all of their agents understood my issue, but ultimately did n't do anything other than apologizing to me. I told to the agents that this is cheating, and they said that this is a company-wide policy and they have no control on it. As a solution, I offered them to change my card after my current cycle ends, but they denied it. I also offered them to give a higher cash back on previous and future purchases to compensate for my loss, but they denied it.

Company response to consumer: Closed with explanation