milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 04-06-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed the accuracy of a collection by a collection agency. The item was deleted by Experian on XX/XX/2017. It was them reinserted on XX/XX/2017. I did not receive a letter from Experian giving the reason for reinsertion, as is required by the FCRA.

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 02-02-2016 about Mortgage (FHA mortgage) with FIRST NIAGARA FINANCIAL GROUP, INC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with First Niagara Bank ( Niagara ). Niagara is also my loan servicer, and collects and holds my escrow for insurance payments. In XXXX XXXX, my homeowner 's insurance company, XXXX, billed Niagara for {$1500.00}, payment for the upcoming year. Niagara made the payment to XXXX late, after the due date, and as a result my insurance was cancelled. At the time I had funds available in my escrow account. I have never missed or been late on a loan payment. Additionally, I did not receive any cancellation notification from XXXX or Niagara. Today, XXXX XXXX XXXX I was notified by my insurance agent that I did not have any insurance coverage. This is not right, fair, or just. I have paid all of my bills, read all of my mail, and done everything a responsible homeowner should do. Niagara has mishandled my money and exposed my family to significant risk as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcy disputed on credit report. Submitted dispute, company advised the bankruptcy is valid. Contacted the court and credit report agency never submitted an inquiry or validated the bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I took out federal student loans to help finance my XXXX education, as I had no other option to help pay the full cost of attendance. I have been diligent in paying back my loans, have not missed a payment, and in fact, am paying more than my minimum. 

The current loan ( {$2400.00} ) for which I am filing a complaint is the XXXX XXXX loan [ acct. no. XXXX ], the repayment of which is managed by a third party, Campus Partners. I am shocked and appalled at the way which Campus Partners charges usurious fees to handle the repayment. Automatic payments from a checking account have a {$.00} processing fee, and when I tried to pay off the loan in its entirety, I was appalled to find they use another third party billing service ( Heartland ECSI XXXX XXXX XXXX XXXX XXXX ) which charges a {$97.00} convenience fee! I am appalled that they have the audacity to charge a 4 % fee for loan repayment. This is absolutely predatory, and I can not believe that federal legislators and employees ( those in XXXX and at the XXXX who agreed to allow this company to process federal loans in such a manner ) allow this to happen. I am shocked to learn these companies are profiting from federally allocated funds meant to help those in desperate need. 
I sincerely hope that this process will receive immense scrutiny it deserves, the practices are investigated fully, and that any wrongdoings are brought to light. 

I am happy to discuss the matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Student loan (Non-federal student loan) with AES/PHEAA (ID).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I fell behind on student loans, not because I did not want to pay, but because we could n't pay. We have finally gotten to a point where we can begin making regular monthly payments starting in less than 30 days. Unfortunately, I had XXXX private student loans that went into default at the end of XXXX of XXXX. The accounts have been sent to collections. The collections companies refuse to work with us on payments. They are requiring large amounts of money right now and threatening to ruin our credit scores if we do not comply. We are unable to comply. We have tried calling the original loan servicer to set up monthly automatic withdrawals if they will just bring our loans back out of default. They refuse. All I am asking is that they take these accounts out of default and allow us to set up payments. We are still willing to set up automatic withdrawals. We want this resolved in a way that is not catastrophic to our credit scores or our ability to provide for our family. I hope that we are able to convince the original servicers to work with us, as we are willing and now finally able to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2016 about Payday loan () with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (LA).
Issue: Received a loan I didn't apply for

Complaint: I was contacted by XXXX on XXXX XXXX, 2016 stating I was approved for a loan in the amount of {$2000.00}. They deposited {$720.00} into my bank account. All I had to do was withdraw that amount, send the money back and they would deposit {$2000.00}. They asked for my online bank information including my security codes. After awhile I began getting suspicious. The following morning I received an email from my bank stating the check they deposited was on hold for 5 days be a use the check may not be good. When I notified them about this, they began getting very irate. I told them the funds were frozen and they kept insisting I go to Wal-Mart to get the money out. Since Thursday XXXX XXXX, my bank account is still frozen. The company states the name is ACE Cash Advance and the person 's name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Trouble during payment process

Complaint: My mortgage transferred from XXXX XXXX XXXX to Carrington Mortgage on or around XXXX XXXX, XXXX i think that is the correct date. I am not sure, as I never recieved a letter from them. I found out about the transfer when I went to make my payment to XXXX XXXX XXXX and they said I could no longer make my payment to them as my loan had transferred. they gave me the company name and a phone number. 

I called Carrington. I got my loan number and my late fees due. I advised I never had late fees and they must be mistaken. I was told to send in a letter to them explaining what had happened and they would fix it. I did, on XXXX/XXXX/XXXX. I received a letter from them advising they recieved my letter but nothing after that. I was under the impression that they had 15 days to respond and get it fixed. 

I received another letter from them on XXXX/XXXX/XXXX advising that they never received my payment. I am not sure what happened as my payment was made, it just did n't go through. I quickly made my payment on line through my bank and sent it next day. I get a letter on XXXX/XXXX/XXXX saying they never received my payment. I called them and she stated that my payment went to unapplied funds as it was XXXX cents short. I told them I was not aware of this and no one had called me, sent statements, etc. 
I was reported to the credit bureau she said. i told her I would make my payment for XXXX cents online immediately, making the payment with her would have cost me XXXX. 
I sent the payment. 
i have never had an issue with a mortgage. I always make my payments on time. this company is horrible. I am almost finished paying my mortgage, thank XXXX. 
I just wanted the CFPB to know the misdealings that this company is doing. I have good credit, make my payments on time and have to deal with this nonsense.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was Getting A hard time from Both Customer Service And Special Handling Department.They Both Gave me A Runaround As to finding out If they Recieved my Fax about the Collections, And Hard Inquiries.I am A Victim of Identity Theft.And I am Trying my Best to get this Handled in a Proper Manor.I am a victim of The Inquiry Issues Stated.They told me nothing.

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 07/29/2017 about Debt collection (Mortgage debt) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I do not remember borrowing {$9000.00} in XX/XX/XXXX and my home equity was used as collateral. In the foreclosure process in XX/XX/XXXX, I filed bankruptcy to try to keep my home. The bankruptcy was dismissed in XX/XX/XXXX, because I was unable to pay the {$1200.00} per month. Last year, XX/XX/XXXX, Springleaf started calling with threats about the {$9000.00} loan. I did not know it was unsecured, and they did not ask for the money on XX/XX/XXXX when the foreclosure short sale occured.They are calling threatening me and talking to me like they will come after me. I have been making payments, but on XXXX Social Security and XXXX just is not enough money. I spoke to the foreclosure attorney and he said it was an unsecured loan now, but Springleaf, now called OneMain is using scare tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BB&T CORPORATION (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have attempted for over a year to get BB & T Mortgage to correct the reporting error on all three credit reporting agencies. My wife suffered a sudden mental breakdown on XXXX XXXX, XXXX, and created a financial burden on us as we are on Social Security, or fixed income. Now she has XXXX XXXX XXXX and needs to be admitted to a skilled XXXX facility and the negative reporting severely hurts my credit score needed for admittance to the XXXX XXXX. I am desperate for help. At the time of my wife 's mental breakdown my son spoke with our local BB & T who granted an extension for XXXX XXXX, provided I pay an additional {$100.00}, per month for 9 months, which I did. I was courtesy called and reminded me and that I was on schedule. I am obsessed with paying my bills on time. An agent I spoke with months ago agreed and said they would notify the Credit Reporting agencies to remove negative late payments. The only one that deleted their negative was XXXX XXXX XXXX XXXX will not remove theirs based on XXXX XXXX correct information. I have called numerous times and written BB & T several times and was rudely spoke down too. They claim it is up to Credit Reporting agencies to correct and remove negatives. Our local BB & T manager tried to help but she said that the Mortgage Division would not remove even her request. I have a perfect payment payment record with them. I do not deserve the type of harassment that BB & T has leveled on me, especially with the condition my wife is in and us being elderly. The periods are XXXX thru XXXX XXXX. Your help will be appreciated.

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 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.

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 02/28/2017 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (KY).
Issue: Account opening, closing, or management

Complaint: I have had accounts with Navy Federal Credit Union for over 10 years. They have repeatedly closed my accounts as part as collection practices. Even now my checking account was closed because of collection efforts from a secured loan. This is the second time they did that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Please help me, I 'm trying to avoid foreclosure and Chase keeps playing games telling me that XXXX XXXX XXXX p. XXXX ext. XXXX who first told me that my account is assigned to her, I called her asking her what was the status of the short sale was and she told me that my account was just transfer to XXXX XXXX one her co workers because she did n't feel like working with me. 
So I called XXXX XXXX from the short sale department who told me that the account was back to XXXX XXXX since the manager ( XXXX XXXX p. XXXX ) who re assigned the account back to her. 

I called the manager directly because I felt this was a game that all Chase is doing is delay the my request so they can foreclose on my home. I tired of their games and I really need your help to stop Chase from doing this to my family. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX in retaliation for cancellation of bogus services they attempted to provide me, falsely put this information on my credit report, {$150.00} a false delinquent payment. I cancelled this work order in less then 24 hours after ordering. A yearly review of my credit record, this information was discovered on my credit report to Franklin Collections Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Credit card companies continues to allow charges after filing a lost or stolen card. Credit card company say they have the right to continue to allow charges to go through well after the cancellation card has been placed. I believe I was misled by a particular credit card company as well as by others that when submitting a lost or stolen card they can allow charges on new card number. I contacted my credit card company and they state that this is a common practice. I believe that once you submit a lost and stolen card and get a new number no one else should be able to charge until you give them specific permission. I feel that the credit card companies are protecting the vendors/merchants, not protecting the consumer or card holders. I believe this is fraud on the part of the credit card companies to allow continued charges after card has been canceled due to lost or stolen circumstances. Credit card companies continue to collect interest and allow fees to continue in direct favor of the merchant/ vendor and credit card company. Regardless of their policy this is fraud. What protects me and my number from these activities?

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit card () with DISCOVER BANK (NY).
Issue: Advertising and marketing

Complaint: Discover claims to offer " price protection '' guarantee in which they reimburse you the difference for an item if a lower price for the item is found within 90 days. I purchased an Apple Watch from the XXXX XXXX for full retail price of {$400.00}. Just a few weeks later, numerous big retailers such as XXXX XXXX for {$100.00} less. I made my purchase using the Discover Card, thinking that I 'd be covered in such a case, as promised. 

After weeks of mind-numbing waiting on hold, resubmitting the same documents, and being told contradictory information, Discover ultimately declined to honor their price protection guarantee. I provided receipts of my original purchase, along with evidence of the new lower price. In fact, the newer lower price has been everywhere, so it would n't take more than a Discover employee bothering to take a look. 

Customer service is of lackluster standards, and as someone who uses services from numerous other financial institutions, I have a lot to compare to. It is near-impossible to reach a customer service representative who is willing to help you at all. Nearly all of them will claim that they can not help you on your issue, but wo n't bother to transfer you to anybody who can. Or will even incorrectly transfer you to further waste your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (VA).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On XX/XX/XXXX I initiated a withdrawal of XXXX BTC out of my BTC Vault ( held in " cold storage '' by Coinbase.com ) to my BTC Wallet. This requires " multi-factor authentication '' that requires me to initiate the withdrawal after logging into my account, to confirm via an SMS code, clicking through an authentication link on my personal email, and clicking through an authentication link on my work email address. Due to me no longer being employed with my current firm, I no longer have access to work email address. Coinbase.com does not allow for the secondary email to be changed. 

After XXXX emails and a number of support tickets through XX/XX/XXXX, submitted by me to Coinbase, Coinbase has not responded with the exception of automated emails. The automated emails do not provide resolution and are redundant.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am a victim of Identity Theft and am trying to get these items off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with PENNYMAC LOAN SERVICES, LLC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Today I was in contact with PennyMac Loan company can given disturbing information that my loan account was reported past due 30 days for in XXXX or XX/XX/2016. PennyMac is violating FCRA act by reporting my loan last for the XXXX and/or XX/XX/2016 payment. I remitted a payment online on XX/XX/2016 and XX/XX/2016 and the company reported my loan 30 days late to the credit bureau agencies even though the payment was made online prior to. This is the third time the company has reported my loan late and now I am unable to qualify for refinance options as they have reported my loan late. I previously disputed with the that my XX/XX/2016 payment was taken out of my account on and they have not applied my payment in violation of TILA. I am being discriminated against by the company and want them to correct all credit reporting. Please note that if I make a payment on XXXX of each month there should be no adverse credit reporting. I want this matter investigated immediately as I have a already filed a HUD complaint.

Company response to consumer: Closed with explanation