milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: They make it hard for you to get into the loan forgiveness program. I also think that they are overcharging my student loan, and that they increase my late payment to get into the forbearance program.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: In a federal disaster relief area and asked if mortgage can be deferred and added to end of loan. They say only special forbearance and all has to be paid at end of 90 days. What help is that?!

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 08-10-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease

Complaint: I co-signed for a lease jeep for my granddaughter and it was fine, now I get a letter saying Ally wo n't be the financial party and she has already taken possession of the vehical and and set up direct auto pay from her checking account. I have tried to get ahold of the credit reporting services and can not talk to them. I am in dispute for my credit because things are on there that should not be and I want to know why.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Creditor is reporting incorrect information, XXXX XXXX XXXX XXXX and incorrect information is showing on my transunion account. This is showing negative collection activity on my credit as well as my score. The car was paid off in full in XXXX, and i am no longer as well the holder of this vehicle. My account status is showing purchased by another lender, and their is no lender because the account is closed and paid in full, which is what should be reflected in the comments/status of 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 non-monetary relief
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX XXXX I contacted XXXX and TransUnion regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX XXXX that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first. <P/>Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...

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 05-02-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: a company made a hard inquiry on credit report on XX/XX/2014 i never gave the company permission or had any dealings with them for employment or financial i contacted experian who said it was valid inquiry and provided with the company 's phone, i attempted to contact them and the number is not in service the address provided as well is also incorrect the post office returned mail addressed to them. i now feel the company does not exist and this could some of fraud or identify theft on the company that pulled my credit report without permission

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/23/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: I have a credit card for my daughter with Chase - Visa. It had a {$2000.00} limit. I set the limit because my daughter is XXXX. For years it worked just fine. When she hit the limit we got a call or purchase was denied. This month Chase allowed a {$5000.00} over run. Yes, I got a bill for {$7000.00} on a card that has a {$2000.00} limit. When I called to complain they said " it happens all the time '', " this is standard practice '' and " it 's simply how we do business ''. Someone should put a stop to this.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My problem is with Experian. They continue to list a closed account ( which I have been making regular payments on ) as part of my revolving credit card debt. Because they only list the amount of this account as a debt, but not as available credit, it makes my ratio of debt to available credit look way too high. I brought this issue up with all three credit reporting agencies.  XXXX  and  XXXX  fixed it. Despite numerous times trying to get Experian to fix the problem it is still there. That means I have scores in the  XXXX  with the other  XXXX  agencies and a score of  XXXX  with Experian. I would like help making them understand that this closed account is not a part of my revolving credit debt. Thanks.

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 04/15/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Servis One, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Below is my latest letter in regards to their BLATANT DUAL TRACKING AND PROOF XXXX/XXXX/16 XXXX XXXX and XXXX XXXX On XXXX/XXXX/16 I faxed and overnighted my appeal on loan modification with proof that I never was given a true modification from XXXX and had tried for months to get them change to a correct date for acceptance but they did not so I proved I never accepted or denied a loan modification from them because you can not accept or deny one that is not valid when they send it. This is called fraud and why XXXX is under fire for not handling loans correctly and falsifying documents. Also my income proved I could make payments. So I sent the appeal to you and requested a new packet. I did not receive anything back from XXXX or XXXX regarding the appeal letter or new modification. I requested multiple meetings with my SPOC and have yet to hear from him. I did not even get a message back for 2 months after I wrote this. PER CHBOR you can not file a NOD while looking at appeal nor can you after I requested a new mod packet but you did on XXXX/XXXX/16. With a different amount than the statement XXXX sent me. I have now forwarded all of this to the attorneys at XXXX XXXX. I have also sent to California AG and CFPB. I will fight this the entire way. I have asked for repayment plan and 6 to 9 month workout with nothing back from BSI FINANCIAL. With your illegal practices and violations there is a group of homeowners that we are all keeping track of every single violation and I have saved every voicemail and paper I sent. The Tracking # with all of this information is XXXX was signed for at XXXX on XXXX/XXXX/16 so you can not deny receiving appeal and asking for more documentation. So BSI FINANCIAL Sent a loan Modification Denial on XXXX/XXXX/16. I received on XXXX/XXXX/16. BSI FINANCIAL received my Loan Modification APPEAL on XXXX/XXXX/16 which was 28 days after and I had 30 days to send which the tracking # proves. I then also requested a new packet as XXXX told me. I never received anything. Also the NOD was filed on XXXX/XXXX/16 which you are not allowed to do til 15 days after I receive status on the appeal and I have the opportunity as I requested a new loan modification paperwork. THE NOD will need to be rescinded immediately. Since I have been keeping track of everything I am prepared to take this to court for illegal practices. Since BSI FINANCIAL is denying working with me and trying to steal a home which I will not move out of. Nor have you offered to work with me on a payment plan or reinstatement and MY SPOC has refused to schedule a meeting with me. I have to do all I need to do to protect myself and I am not putting up with the bullying and harassment and elder abuse from BSI Financial. 
You have 7 days to rectify the situation in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AK).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I sent a validation request on some accounts by certified letter over 30 days ago and I have received nothing what so ever on my request to validate these accounts. I know for a fact the letter was received because it was certified.

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 01-12-2018 about Mortgage (FHA mortgage) with TIAA, FSB (VA).
Issue: Closing on a mortgage

Complaint: EverBank, Who is the Lender violated the truth of lending by appropriated my credit card money used to lock interest rate. We had agreed that this money about {$3700.00} would be returned back to us the way it was paid because FHA regulations couldnt accept any portion of credit card money to be used for any process during the closing. 

Strange enough, during the day of closing, EverBanks Manager XXXX XXXX XXXX, on XX/XX/XXXX, 2017 ( closing day ) wrote back to me to confirm that my credit card money has been processed and I should be getting my money back within few days. 

Later on, they have changed the story to inform me that that portion of credit card money ( about {$3700.00} ) has been used for closing, somtihing Opposite of what we have been advised, something violated truth of lending and possible violated FHA regulations to use credit card money for closing.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Taking out the loan or lease

Complaint: I acquired a XXXX personal loan with Springleaf Financial, I was told the interest rate would be 27 %, my first statement had XXXX on it, I called and was told this was due to 48 month term. I wanted to received an accurate statement and was told that was how the statements were. I asked for the balance and realized that after paying XXXX my balance had not decreased, I was then told I would have to pay at least XXXX before I would see a decrease in the principal. I was then told the interest is pre- calculated based on rule 78, I was never told about this prior to signing for the loan, I believe I am being charged a very high interest rate and I would like to know if it is legal for Pennsylvania , I searched on google and it states this is no longer legal for loans to be pre- calculated, please advise

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with Affiliated Creditors, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I check my credit score about 3 times a year. 
After checking my score this tax season, I noticed that my intuit " mint '' account shows a new account open under my name that I did not open. Below is how it shows under my open account details. 

**I have never heard of this company or made any payments to them. This is not an account that I opened nor have I opened any new accounts. I am afraid this is fraud. 


Company : " AFFILIATED '' Account type : Installment Sales Contract Opened : XXXX XXXX, 2017 Status : Open Limit : {$0.00} Term Monthly ( due every month ) Monthly payment {$27.00} Responsibility : Individual Account Balance : {$160.00} Highest balance : {$320.00} Payment status : Pays account as agreed Worst payment status - Date of last payment - Amount past due $ XXXX Times 30/60/90 dates late 0/0/0 Remarks - PAYMENT HISTORY **Currently shows that I have made payments for XXXX, XXXX, XXXX XXXX, XXXX XXXX am 100 % certain that I did not open this account and have no connection to it. 
Looking at my credit history/ payments, I have never made a late payment and am very aware of all outstanding debts. 
I currently do not have any credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (MS).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On  XXXX   XXXX ,   XXXX   I attempted to make an   XXXX   purchase of {$870.00 } using PayPal. Predictably, I went through an endless nonsensical series of " plea se verify your account '' loops - to no avail. I was never allowed to pay for my auction.     Please understand this clearly : PAYPAL IS THE ONLY WAY TO PAY FOR AN   XXXX   AUCTION. That is unfair and should be illegal. I CAN NOT wait  48 hours until PayPal  decides to unfreeze my account before paying for an auction item.     After contacting workers in  XXXX  who had no clue how to clear the error, I was told that they were only allowed to ask security questions once per day, and " to their best guess '' I 'd need to " just wait until your account unlocks again. '' That is 100 % unfair and illegal.     I do NOT want to read yet another form letter about the " velocity '' of m y PayPal account and how they 're trying to eliminate fraud. I have been a PayPal  customer for over 10 years, and am furious and insulted to be treated as such.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: I transfered money from my Coinbase account to my bank account XX/XX/XXXX and got a response that money will be on my bank account XX/XX/XXXX but it still has not arrived. 

The amount was XXXX euros and XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Bank account or service (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Deposits and withdrawals

Complaint: My bank changed policies with out prior notification in how deposits would be handled. I contacted the financial institution and was promised up and down that I would have access to the money that was deposited. After speaking with XXXX different reps and one of those included a senior executive XXXX supervisor all the information was different and still no resolve. With the senior rep the conversation came to a point where she said that they do n't care and are not able to help or willing to help. When the conversation became heated she hung up the phone. Now I like like to point out that rather then her trying to resolve the situation and giving viable information she escalated the call and then disconnected it. I requested for a manager call back and they called but urging the time frame that I spacifically told them I would not be available. Then the manager left voicemail statement my that I could call them back and deal with the resolutions department. Not what I was looking for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (DC).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I am asking {$450.00} promotional bonus from TD Bank due to promotional offer. On  XXXX   XXXX ,  2017  I opened a premium checking account and convenience checking account as brand new customer. According to promotional offer, If customer make {$2500.00} direct deposit can get {$300.00} bonus for premium checking. If customer make {$500.00} direct deposit for convenience checking can get {$150.00} bonus. Followed by these requirements, I had direct deposit more than {$2500.00} on  XXXX   XXXX ,    2017  to my premium checking within 60 days and another direct deposit more than {$500.00} to my convenience checking on  XXXX   XXXX ,  2017  within 30 days. I had asked bank numerous times including personal visit to branch, secured message, over the phone etc. to pay. However this bank used different excuse to refuse to pay {$450.00} bonus. In order to avoid monthly service fee, I am asking the bank to hold these  XXXX  accounts to pay {$450.00} bonus. OR I am asking this bank to pay {$450.00} and close these  XXXX  accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Struggling to pay mortgage

Complaint: In XX/XX/XXXX my wife was diagnose with XXXX XXXX .had a XXXX XXXX and we struggled making our mortgage payment to XXXX XXXX, we fell behind in XX/XX/XXXX and ask for a modification, that process dragged on until XX/XX/XXXX, XXXX then turned our mortgage over to caliber home loans, so for 6 months that it dragged on and finally we where approved for a modification trial which started in XX/XX/XXXX, we sent in 1 payment, at the time of the modification process we where also offerd a deed in lew of forclosure for XXXX, due to my wife going through XXXX treatments she developed XXXX and was XXXX XXXX XXXX XXXX XXXX XXXX, so we contacted Caliber and ask if we could do the deed in lew which would help us move to a warmer climate ( Florida ), they said we could so we took them up on the offer, they said some of the XXXX was to pay off exsisting leins against the house which would leave us with about 10,000 dollars, I had a job opportunity so we moved in XX/XX/XXXX 1 month after the deed in lew process was ok 'd by Caliber, Caliber keep sending me letters an said they where still working  on the lien details and may not have enough time before the XX/XX/XXXX forclosure date, in XX/XX/XXXX we surrendered the house to Caliber in good faith, and they jerks us around for 6 months saying they where working on finalizing the deed in lew, we had filed for a mediation hearing in XX/XX/XXXX to delay the forclosure for 1 month they said they should be able to settle before that.that time has come and gone and we still have not received a settlement. to this day the house is still empty, the house has been vandalized or homeless people living in it, I'am receiving threatening letters from the liens that where supposed to be paid off by Caliber, I cant afford a lawyer so I was hoping you can investigate this matter, thank you.my name is XXXX XXXX XXXX XXXX XXXX , XXXX Florida, phone XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.

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 05/13/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I recently signed up for credit mointoring on Experian 's website and noticed erroneous account on my report. Following this discovery I sent Experian correspondence dated XX/XX/2015 ( see attacehed dispute letter ), alerting them of the frivolous information and requesting an investigation. I also sent Experian a copy of my driver 's license, SSN card and recent utility bill. To my bewilderment, Experian responded back with a notice stating they received a " suspicious request for investigation '' ( see attached response ) and claimed the person that sent this dispute was not me and hence Experian refused to investigate the frivolous items. 
This issue made me refer the matter to my legal council, who assured me that Experian is required by the Fair Credit Reporting Act to maintain accurate report information and is duly responsible to investigate any questionable items, which in this case they have blatantly refused to do so. Ironically, XXXX of the collection companies reporting on Experian that I called by phone, XXXX and XXXX were able to withdraw the accounts from Experian by acting unilaterally. 
Once again, the items I detailed need to be rectified or I shall have no choice but to pursue this matter using judicial means.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2016 about Consumer Loan (Installment loan) with SUN LOAN COMPANY INC. (IL).
Issue: Problems when you are unable to pay

Complaint: XXXX keeps calling me several times a day, harrasses me at work with is against the law, calling friends, threatening me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation