milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2015 about Mortgage (Other mortgage) with U.S. BANCORP (MN).
Issue: Credit decision / Underwriting

Complaint: two years ago i bought a piece of property to build my house and I got it staked out septic designed and acquired the permit. A year and a half age I was rear ended in a car accident and could not work for a year because I did not get the medical attention that i am owed. The affordable care act was passed and approved by the supreme court so the quality of our lives would not be reduced. Because of the gap in income it is almost impossible to get a loan as well as now being forced to work a forty hour a week job and have to build it on the side while homeless because of ongoing issues that the doctors will not treat me for. My quality of life has decreased and will decrease further if the almost {$40000.00} of my own money i spent will be wasted because the government is not following through on their promises. and renting or buying a house than i do not like is not going improve the quality of my life as well as i would need my {$40000.00} returned

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: It 's been recently reported that equifax was hacked and personal information leaked. Through their provided site it shows that I am impacted by this

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called all three credit bureaus, Experian, XXXX, and XXXX to inform them of the unauthorized credit inquiries, after several attempts they would not remove them.
Unathorized Inquiries and Dates of Inquiries 1. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX 2. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX 3. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX 4. ) XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX  5. ) XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 6. ) XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 7. ) XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX 8. ) XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) 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 09-01-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (TX).
Issue: Taking out the loan or lease

Complaint: They send me this pre-selected secured loan certificate for {$5200.00}. I called to get the low and they run my credit and then tell me they ca n't approve me. This thing arrived in my mail box at a time when I need the money. For a bunch of repairs to my car. I think this company is sending out these letters in attempts to collect personal information on people who need the money. They ask for all information from bank account info and monthly bills.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX paid off our federal student loan than we were told we owe a loan to a private company Navient, we have tried to make arrangements to make payments but were told they would only accept the full amount yet they keep posting on our credit that every month were late with payment, damaging our credit is this legal for them to do this if not could you please look into this

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX # XXXX and XXXX XXXX XXXX has multiple names and continue to duplicating accounts on my credit reports. This account has been paid. Both creditor and collections are reporting incomplete information misleading potential creditors offers. XXXX XXXX exceed 7 year statue for reporting. 

XXXX XXXX XXXX XXXX paid as well all adverse information listed on credit report is incomplete. 

XXXX XXXX XXXXXXXX XXXXXXXXXXXX XXXX are all the same duplicated accounts.. I have record showing I paid this account.

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 08-11-2016 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Trying to re-finance mortgage and found XXXX judgments against me. Already completed the complaint with other judgment. This one just says GE Money Bank and they filed with County Clerk for {$5500.00} and when I got a hold of the law firm handling it, XXXX said that it 's really {$7000.00}. I do n't know what this is for. I was divorced in XXXX and this is dated from before that time ( they filed in XXXX but the debt is from years before ) I was also never notified that a judgment was filed.

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 06/29/2015 about Credit card () with CITIBANK, N.A. (MO).
Issue: Billing disputes

Complaint: I have a Citi XXXX issued by Sears. I used this card to have a $ XXXXpurchase in sears store XX/XX/XXXX. I updated my address in sears. 
I changed my address in the local post office. But I never ever receiveda bill mailed to me. Because I do n't use this credit card too often, and alsoXX/XX/XXXX is a holiday season, I do n't remeber this bill. 
Today, I got a call from XXXX to say I have a bill for {$240.00}, which inculde the late fee XXXX. I do n't think it is my fault to cause the latepayment. I beleive there is Something wrong about the bank or sears'ssystem. 
When I called sears, their custom service told me they just update myaddress on XXXX XXXX. I already update my address on the day I did thepurchase. 

I definitly would like to pay {$68.00}, but I request waive the late fee. becauseit is the bank or sears 's responsibility. 
I called them, also, I sent a email to dispute ( XXXX This issue have n't been resolved. 
My reference number is XXXXMy card number is ****************

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-05-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with SUNTRUST BANKS, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Suntrust - XXXX XXXX : timelineIssue with payment amount and balance due on XXXX XXXX from Suntrust Mortgage:XX/XX/XXXX - purchased property in XXXX XXXX, CA XXXX with XXXX XXXX and XXXX XXXX loans from Suntrust Mortgage. 
XXXX XXXX was in the amount of {$53000.00}. Payments were XXXX a month. 
When I requested modification for XXXX, I of course requested assistance for the XXXX as well. I received no help or correspondence regarding the XXXX until XXXX when the modification on the XXXX XXXX was finally final after 4 years in process. Payments on XXXX were in full from XXXX - total {$4800.00} in paymentsNo payments were made from XXXX - XXXX - balance XXXX dueThe balance due according to the XXXX ( XXXX and only set for XXXX XXXX XXXX loan modification documents is now : {$64000.00}. 
How can that be? What happened to all the payments I did make? 
I have been making the payments of {$230.00} since XXXX and they are current, but it is a hardship and the house value is underwater and the loan amount is not right or fair for the amount borrowed and missed during a XXXX year modification process on the XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Experan failed to properly verify and provide proof of the pubic record accounts listed on my credit reports XXXX XXXX County Court Re : Case # XXXX Re : Case # 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 06-05-2017 about Debt collection (Other debt) with AFNI INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There have been several accounts that have been opened in my name fraudulently. The first account is as follows :  XXXX . The account number is  XXXX . The date the account was opened in  XX/XX/XXXX  in the amount of {$1200.00}. The next account is a   XXXX   account, which was opened in  XX/XX/XXXX  in the amount of {$300.00}. The account number is  XXXX . The last account that was fraudulently opened is  XXXX  account opened in  XX/XX/XXXX  in the amount of {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I opened my Coinbase account in XX/XX/XXXX. Last time I had access to my account was about a year ago. I have been unable to acces the the account because I have a new phone number. Their website verification has been broken for at least 2 months. 

After a few weeks of trying to verify my identity through their site, I started a tech support ticket on XX/XX/XXXX. 

They rep had been unhelpful and had not responded in several weeks - no fix has been made. 

Coinbase has effectively stolen my money/bitcoin. They have no intention of helping me get into my account and releasing my funds. 

You can reference Coinbase support case number : XXXX Please help me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Consumer Loan (Vehicle loan) with We Collect Inc (WA).
Issue: Problems when you are unable to pay

Complaint: i had a auto loan through XXXX that went into default they sold the debt to atlas financial atlas filed for a judgement and got it approved when filing a auto loan judgement the law is they have to file in the county you reside in they did not do this im in XXXX county XXXX the judgement is in XXXX county XXXX where ive never lived when they got the judgement they filed to the credit beurros both reliable and atlas filing against my credit for the same loan legaly they cant both file for the same loan after reliable sold the loan to atlas not filing in my county they should have never got a judgement i have sent several letters to the parties involved in this atlas financial and reliable credit and the XXXX beuros with no positive result i would like this off my credit report more than XXXX tactic they have used is not legal and they should not be able to report negatively please help me with this issue thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Borrower 's applied for a XXXX short sale along with an offer from a pre-approved XXXX. The XXXX, XXXX asked the lender for XXXX. The XXXX did not respond. Consequently, he requested XXXX directly from XXXX. The valuation determined by XXXX is {$320000.00}. The XXXX, submitted a Valuation Dispute and submitted a XXXX from an independent party. The XXXX was {$280000.00}. Current offer is for {$270000.00}. The foreclosure sale date is scheduled on XX/XX/2017. XXXX has requested a postponement of the sale to allow time to review valuation dispute. To complicate matters the property is listed on XXXX for {$200000.00} as an opening bid. XXXX has asked the lender to remove the XXXX listing since it conveys to public that the property can be bought for this amount. Meanwhile, the XXXX as the property listed for {$290000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Capitol one credit card, called them, my payment on XX/XX/XXXX went through for a couple days and then went back to unpaid when I wanted to just pay it in full then. They wrote missed payment on my credit report even though their system was faulty and did not let me pay I would like a credit update because of that. Now I have {$100.00} in interst and late fees and they said they cant do anything about it because card Is closed and I have to pay those fees so On XX/XX/XXXX I made sure to pay my balance on card in full and asked it to be closed For good and balance said XXXX on account because I paid it. 
Now on XX/XX/XXXX it says 7.20 interest charge. But I paid already on time and they are stealing from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2017 about Credit card () with Alliance Data Card Services (GA).
Issue: Transaction issue

Complaint: My issue is XXXX XXXX. My issue is that there is always something with this card. It 's either the payment has n't had enough time to go through, or they have received too many payments, or the account does n't have enough history on it. This card is the only card that I have issues with that Commenity Bank backs. I have XXXX additional cards so far backed by Commenity Bank and I have never had an issue with any of those cards ever. I have never had a return payment, I make my payments on time if not XXXX weeks early. Not to mention that I just paid down XXXX of those cards below XXXX % utilization. I have never had a return payment, nsf payment, or any of that. Yet, XXXX XXXX can not seem to get it together. I was in Target today. I was trying to make a XXXX purchase and it was declined. The reasons that I received were payments had n't cleared, even though I received an email stating that the payments had been processed. I was told that I did n't have access to any credit limit at all. XXXX would n't you know, I did a small purchase through XXXX XXXX and it went through. I dislike being lied to. I dislike receiving subpar service. I dislike a company that takes advantage of me, my service, and my money. Not to mention the supervisor XXXX that I spoke that had a XXXX poor attitude all together. I have submitted a complaint before regarding this issue and promised that it would n't happen again and well it has. I will be receiving my XXXX XXXX card sometime next week. Once I receive that I will be doing a balance transfer to my XXXX XXXX card and closing my account permanently. I deserve to be treated with respect as a consumer and a customer. I do n't appreciate being lied to when I know that there is credit available on my account. I dislike it. I will be telling all my family and friends to cancel their cards and go elsewhere. I will be filing a complaint on the BBB website so that everyone can see the treatment of good customers. I dislike a decline on my account being labeled as check kiting. That is a term that is illegal check writing. I work in XXXX XXXX. I know exactly what that means. I do n't appreciate that being applied to my account when I am a model customer. I also dislike when the truth is being told to me after I let them know that a purchase was able to be made. I am not happy with XXXX XXXX at all.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have tried to re fi with  Chase and  they have left me no option but to sell or let the house go back to them. At  XXXX   years old, I can not take this variable. While I did sign for it 10 years ago, they bought it from Wa Mu for   XXXX  on the  XXXX  so now they have a free ride. I now have a lawyer to go with me thru the sale or foreclosure of this property. If they give me reason, I will file a lawsuit for damages. They are ruining my credit along with my ability to live a serene life under their bogus loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Delinquent account

Complaint: Made about {$90.00} charges on Capital One credit card in XXXX of XXXX. I forgot that I had charged anything on the card, because this is my emergency card, and did n't pay until XXXX of XXXX, when I got the report that I had a 30 day past due account from my credit monitoring. I called, talked to the representative, offered to make {$120.00} dollar payment to bring the account to {$0.00} balance, she accepted. Evidently, she did not adjust off the less than {$1.00} service fees that remained, nor did she tell me they were there, nor did she note anything on my account. She said it would take XXXX to XXXX statement cycles to show everything current. 
Still not correct in XXXX, called back in, and they adjusted off service fees since payment in XXXX, and was told that it would take XXXX to XXXX statement cycles to show everything current. Credit report as of XXXX shows payments in XXXX and XXXX were 30 and 60 days late. 
Called back in XXXX to get credit report fixed, and am told that they can fix XXXX, but not XXXX. Agent agreed that it was their fault, but said that she had already gone above and beyond what she was supposed to do and could do no more. I asked to be sent to someone who could resolve this for me, and she said she was the most senior person that I could talk to, but I could send a letter to their general correspondence address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I have tried to close this account several times without success. A few months ago I received a bill for a {$59.00} member fee. I called and let them know I dont have an account. On XXXX/XXXX/17 I spent over 30 minutes on the phone and still was unable to close this account. Now with fees and interest they want {$120.00} for a card I have not used and considered dead for a long time. How do I make this stop? I dont even know the account number except for the last four digits that come on the statement, XXXX. I have also filed a complaint with the Michigan Attorney General, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit card () with AMERICAN EXPRESS COMPANY (NC).
Issue: Credit card protection / Debt protection

Complaint: My name is XXXX XXXX. My number is XXXX. My social number:XXXX. I applied american express platinum credit card back to XX/XX/XXXX. 
According to the offer terms : I will be given XXXX membership reward pts after spending XXXX dollars in the first 3 months. 
I did spend XXXX dollars within 90 days. Later on, I returned an item to XXXX and amex said this is not part of qualifying purchase. So I am not eligible to get the welcome bonus. 
According to the offer terms, the return items will be

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX Chase Auto deleted a Paid In Full Trade line off my XXXX credit report, which affected my credit score tremendously. I contacted Chase Auto on XX/XX/XXXX and they agreed to but the Tradeline back on my XXXX credit report and still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Debt collection (Other debt) with North Shore Agency, LLC (MA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had 4 lines with XXXX XXXX, had an account with them for 5 years. In XX/XX/XXXX I called them and told them that I would be disconnecting my service. Out of the 4 lines on my account, there was one that had a contract on it. The phone was completely bought outright almost 2 years prior and I was told on XX/XX/XXXX that the contract would end on XX/XX/XXXX. I recieved a letter from XXXX dated XX/XX/XXXX stating that the bill due was {$400.00}. I called them, spoke to a representative on XX/XX/XXXX who then stated that the amount due was {$590.00}. Since I disconnected my service in XXXX, all of a sudden I was hit with a huge bill for {$880.00}. I could no longer access any bills on the website and I then called XXXX XXXX and requested copies of the bills for the past few months. I did not believe that I owed them the above amount. I recieved a collection letter dated XX/XX/XXXX for {$880.00} from XXXX XXXX. I then received copies of the bills directly from XXXX XXXX dated XX/XX/XXXX. How could I possibly be in collections for a bill and I hadn't even recieved a billing statement? I have no idea. One of the things that XXXX kept saying to me was that I was always billed a month ahead. Well if I was billed a month ahead for service, how in the world could I owe such a huge amount? As I looked over the months bills, I see that they charged me {$140.00} for early termination. I should not have been charged this amount. That still doesn't add up to {$880.00}. In XX/XX/XXXX I called XXXX and could not get through to billing or a live person since I no longer had service with them. I was transferred and given automated information stating that the account was now with a collection agency out of NJ -XXXX. I was not sure who that was. Surprisingly I received another collection letter from North Shore Agency out of NY. I went online last week - XX/XX/XXXX and put in a request for them to contact me as I wasn't sure who to dispute with or contact regarding the incorrect amount. I made a payment in the amount of {$85.00} online with the company and all of a sudden I was hit with a collection on my credit report. Before hitting my credit report I expected to hear directly from them regarding the amount in question. I reached out to both XXXX XXXX and Northshore agency as I wasn't sure who handled the account. The above amount is in question and I don't believe that I owe the original creditor XXXX XXXX {$880.00}.

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