milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Mortgage (Conventional fixed mortgage) with Paramount GR Holdings, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to a new 3rd party company through Paramount Mortgage. It was not made clear what needed to be done on my end with the loan transfer. Received a call from Paramount stating that we were behind on payments and realized that the automatic payment from the first loan was no longer going through. After calling it was learned that since it was a whole new loan number we needed to re-do all paperwork for payments once again. 
After attempting to set up automatic payments on their website, there was a glitch in the system that would not allow the set up with the new account. Daughter attempted to call and was also advised that her status of being an approved contact on the loan was also not transferred which has started a 6 week process of multiple people handling the loan and not one same answer. 
Daughter was advised she needed to email in the power of attorney. She specifically asked if she needed to provide this for both people ( me and my wife ) on the loan or just one. Only for one. This information was then sent in. 
Daughter attempted to call again to make a payment. She was advised that there was missing information and she was not an authorized person on the account. Person would not provide any other information and said to wait 7-14 business days to get a letter of what we were missing. 
Another call into the company.They needed an hand written note and signature from me that I accepted the power of attorney ( even though that is what the power of attorney is ). Daughter drove two hours to get this signature. This information was sent in. 
Daughter called and was advised that she was now an authorized user and discussed details with her on the account so we can attempt to set up bill pay to get us current on the loan. The bill pay did not go through. 
Daughter attempted to call again to make a payment. She was advised that there was in fact missing information and is now no longer an authorized user. Now advised that the power of attorney was for the wife, but had my signature ( wife XXXX can not sign ). Requested power of attorney for me. This information was sent and we are now waiting. Payment was also sent by certified mail since other options have not worked. 
Each time Paramount is contacted, we have received different information. We can never reach the same person. And there is absolutely no consistency with the training of the employees. I even had someone give me a fake name " XXXX '' to use them as a contact and they would personally follow up with me and the case and it never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UBER TECHNOLOGIES INC (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX   XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed with Experian and this information about a collection from XXXX remains on my report. I recently received a response from XXXX which responded on the CFB case # XXXX that they would remove this collection.

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 non-monetary relief
Consumer complaint received 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Action Collection Service (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They keep on calling me about a debt, that is past the statue of limitations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have several issues with my credit report as follows : 1. They show a former address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have never lived at this address. My former spouse moved to this address beginning sometime around XX/XX/XXXX during our divorce which was finalized in XX/XX/XXXX in XXXX County, TX. 
2. Derogatory information is shown on my report by XXXX XXXX XXXX which was a joint account when I was married. The account went to my former spouse during our divorce. That account was included by my attorney when I filed for Chapter XXXX, even though no balance was outstanding against me since it still showed on my credit report and my former spouse has a habit of not paying her bills on time. It would seem that any information related to it should be removed from my record since I owed them nothing at the time and I was removed from the account in XX/XX/XXXX/XX/XX/XXXX. 
3. I have been employed by The XXXX XXXX XXXX XXXX, MD since XX/XX/XXXX with a substantial gross salary as a XXXX XXXX XXXX. 
4. I do n't know if this is relevant, but I also have an IRA and a brokerage investment account with XXXX containing substantial assets plus a 401k through The XXXX XXXX, all containing substantial assets.

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 10/26/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a dispute online on XXXX XXXX, 2016. As of XXXX XXXX, 2016, I had not received any proper notice of investigation results so I sent a letter to Equifax, certified mail, return receipt requested, informing them that it had been over 30 days and I had not received a response. I never received anything in response to my letter dated XXXX XXXX, 2016, which is attached for review. However, on XXXX XXXX, 2016 I received results where XXXX of my items were deleted accurately from my file however, the other XXXX listed were not deleted and continue to be inaccurate and should be removed as well. Upon calling the number listed ( XXXX ) on XXXX XXXX, 2016 and XXXX XXXX, 2016, speaking with five different representatives, many located out of the United States, I just could not receive the necessary and adequate help needed over the phone. The representatives appeared unknowledgeable regarding their own practices and policies at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: Coinbase are illegally stopping customers from withdrawing their money. This is happening to hundreds of people ( on the Coinbase forum ).
As requested by Coinbase, in order to verify my bank account ( for withdrawing funds ), I sent a XXXX payment of XXXX euros on XXXX/XXXX/XXXX. I waited a long time for it to go in. It didnt go into my digital wallet, so I sent another one, which reached my wallet on XXXX/XXXX/XXXX. Each time being charged by my bank to send the payment. Coinbase have still not verified by bank account, so I ca n't withdraw money, even though it states 1-2 days after it enters the wallet. Ive contacted Coinbase numerous times but they are not responding to my support tickets, or XXXX messages.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (I do not know) with Moxley & Associates, LLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received notice that my wages are being garnished. I received no paperwork concerning the " judgement '' that was issued. It was my understanding that I was to be served paperwork concerning the judgement. To this day, the only paperwork I received was from employer informing me of this garnishment. I do believe that the garnishment is illegal since no judgement paperwork was never served on me at either my residence or place of employment

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a student loan in the amount of approximately {$44000.00}. Navient is my loan servicer. My loan is currently defered due to unemployment. While employed I was making monthly payments that, unbeknownst to me, were not enough to cover the monthly payment. Instead of reducing the amount owed my principal was increasing every month regardless of my payment. My loan began with a balance of approximately {$38000.00}. I was never informed that the unpaid interest would be added to the principal monthly. The interest rate i s 6.8. It  is possible to extend the loan period to 25 years and reduce the interest t o 6.75 maki ng monathly payments of {$300.00}, which is still too high. My loan balance would then increase to over {$90000.00}, almost tripiling the original amount. It was never clearly explained that the loan amount would continue to increase when I took a forebearance or deferment. It is becoming more difficult to pay this loan as the balance has never increased.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: Wellsfargo fail to honor a previous modification agreement. I requested Wells Fargo Home Mortgage to process my application for the HARP Program because I am unable to meet my current mortgage terms obligations. I am a former XXXX that was release recently from XXXX and was XXXX as a result of military XXXX in XXXX. The only income I have is from my XXXX compensation from the Veterans Administration. Wellsfargo Home Mortgage is delaying the process and claiming they never documents they need in order to complete my application. I have sent the documents in question on several occasions, still they claiming they never received the information. They are still using this delay and deception to foreclose on XXXX and Veterans I can never get anyone to return my calls an/ or address my many letters regarding a response. They are deceptive in apply their on process and procedures and phone conversation are misleading and deceptive in practice.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Credit card debt) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: this is a continuation of complaint # XXXX now today I get a phone call on my cell phone from a man who says he represents XXXX XXXX XXXX XXXX who now have this account from XXXX XXXX. 
Stating again they are representing HSBC. 
this man openly admitted the account is 9 years old and when I asked him what Statue of  Limittations were in California couldn't give me an answer. 
he wanted me to accept a XXXX for the debt in which I refused and hung up. 
I would like action taken against this company and XXXX XXXX. for selling my personal information. 
I constantly have to worry about Identity theft due to HSBC 's lack of following good collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Describe what happened so we can understand the issue ... 
I XXXX XXXX have been fighting with my mortgage company CCO Mortgage loan # XXXX help me with a loan modification for over a year. CCO Mortgage has kept asking over and over again for the same documents that I have kept faxing them. The last request from them to complete a file was a quick claim deed that I had to struggle to get from my ex husband that I had to hire an attorney to help me get that last requirement. I was finally able to get a quick claim deed which I faxed over on XXXX XXXX 2015. I called back a week later and CCO Mortgage like always claim they have never received it so I refaxed it XXXX more times on XXXX XXXX 2015 and XXXX XXXX 2015 and XXXX XXXX 2015. CCO Mortgage Finally said that they have received the package and Per XXXX @ CCO Mortgage said the file was complete and going into underwriting to see what options are available to help me keep the home I love and adore. I called today to get an update and they advised me that the file was kicked out of review because of some 37 day rule I have never heard of. I did everything they asked have sent every possible form to them you can imagine and this is the treatment that I receive from CCO Mortgage its completely unfair and I deserve the right to keep my property.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never applied for a payday loan from XXXX. This item is showing up on my credit report and is being collected by MIDWEST RECOVERY SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: This is regarding student loan servicer Navient. I was granted in In-School deferment XXXX that was scheduled to end XXXX. On XX/XX/XXXX I was informed by e-mail that they had granted by deferment in error and that I would go into repayment immediately. I got over XXXX e-mails from Navient over the next 24 hours. One e-mail informed me my payment due was {$680.00} ( this is the amount that has been listed for several years and the payment I was financially preparing for ). When I logged into the Navient website, it informed me that the payment was now {$720.00} and that they had added over $ XXXX in capitalized interest. before this my total in loans was approx $ XXXX and now it has swelled overnight to $ XXXX When I spoke to the customer advocate, she said some interest was added because the in-school deferment was granted in error and I now owed interest for that time period. She also said there was another mistake by Navient and I was never charged interest for a previous forbearance so that was added as well. However, I have gotten no explanation and no correspondence explaining why $ XXXX in capatalized interest was added to my account with no warning. I requested that since this is Navient 's own mistake that they remove these interest charges from my account. I have not gotten a response, the only resolution they offered was changing to a different payment plan, but that would still make me responsible for paying the interest for their error.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (OR).
Issue: Struggling to pay mortgage

Complaint: This file has been going on for a year. The seller has cooperated with XXXX XXXX  who advised me that they had approved the short sale while in the meantime they were working on selling the loan to Rushmore Loan Management show is now managing the loan for XXXX. The seller had a veteran in the home that was at 80 % XXXX and since then has become 100 % XXXX. Rushmore has come up with a value via a bogus BPO that is over {$300000.00} the appraised value. Has proceeded in setting a foreclosure dale date WITHOUT even notifying the seller that there is a date, nor by posting the date as notice to the seller or by denying a foreclosure date every time I call in to speak with a negotiator. Rushmore simply refuses to work on a short sale for this client. Forcing a foreclosure with a veteran in the home, causing further stress to the owners even though the sellers have done everything needed to comply with Rushmore 's and XXXX 's requirements for a short sale. This listing was live on XXXX/XXXX/XXXX and has been sold and transferred so no company takes responsibility for a foreclosure with a veteran and now Rushmore is trying to foreclose without notice? Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Good Day, recently I 've attempted to get some information removed from my credit report which still shows that a IRS tax lien is applied to my account. This lien has been released for approximately a year now and has not been removed from my credit report. I 've contacted Equifax XXXX on this matter and each time they simply reaffirm the fact the lien has been released yet fail to remove it from my credit report or reflect the fact that it has been released. Also it would seem that they are allowing companies to change the date of when derogatory remarks were applied to my credit report to allow them to reflect poorly upon me for a longer period of time. Any help in this matter would be greatly appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2015 about Debt collection (I do not know) with Debt Management Holdings LLC (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Twice an anonymous male-voiced computerized message has been left on our answering machine, the first time about a week ago ( XXXX/XXXX/2015 or XXXX/XXXX/2015 ) and again this morning ( XXXX/XXXX/2015 ) at XXXX. The voice does not give the name of the person intended to receive the message, and it identifies itself only as " Consumer Judgment. '' It says that the recipient should call an XXXX number as soon as possible to avoid further action. The number given to call is XXXX. We did not call this number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I used my Citicard to make a XXXX XXXX transfer. I did not know it would be considered a " cash advance ''. I was already paying XXXX XXXX a fee. There was no notification that it would be considered a cash advance. In fact, I looked for the charge on the account on-line and it was listed there with all the other charges. There was no indication it was classified as this. The last day of the billing cycle, they changed it to Cash advance and also charged interest. If it was listed on line or advised I would have went to the XXXX XXXX office or at least mitigated my costs.Why would I pay {$13.00} on a {$80.00} transfer? When I received the bill, I spoke to a number of reps who all said they could not do anything. I was charged {$10.00} + interest. It is not the money but the fact that they are unethical and fraudulent in how they do business. I told them I was disputing and they said I could n't. I immediately cancelled the card and paid the bill less the charges I felt were not valid. Unfortunately, a merchant credited back some money and it was accepted by them If I cancelled the card, why did they accept the credit back? So it left me with zero recourse other than complain to whomever will listen. As a customer of theirs who has paid their bill on time for five to ten years or more at the very least they should have understood the circumstances and credited me. If they are doing this to me, they are stealing from everyone. There should be a class action lawsuit against these fraudulent practices.

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 non-monetary relief
Consumer complaint received 11-10-2015 about Debt collection (Medical) with Jon Barry and Associates, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: No debt validation, no chance to verify debt, showed up on my credit report, did not receive bills.

Company response to consumer: Closed with non-monetary relief