milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/25/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MD).
Issue: Closing on a mortgage

Complaint: There are XXXX issues here. 

XXXX. I am trying to closeout my mortgage ( Bayview ). I have XXXX more payment left to pay. The mortgage company just sent me an escrow statement saying what my new payment will be in XX/XX/XXXX. My last payment should be next month. I have my house on the market to be sold. I need clarification. I tried numerous times to call but I never could get through to address this issue. 

XXXX. About XXXX years ago XXXX XXXX changed my address of the property. The mortgage company still has the old address ( XXXX XXXX XXXX XXXX noted on my mortgage documents. I received the formal documents of the change address XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX and sent those formal documents to the mortgage company ( Bayview ). They have yet to change the address to the new address XXXX XXXX XXXX XXXX XXXX in my mortgage documents. I need them to make that change to receive the correct Deed of the property. I sent the formal document electronically to the mortgage ( Bayview ) company weeks ago. Before I submitted the document, I called a told XXXX of their representatives what the issue was. Nothing has been done to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Trouble during payment process

Complaint: Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX  DOUBLED TAXES/INSURANCE in escrow.    XXXX   XXXX   XXXX  - Letter stated payment would go to {$1400.00} on  XXXX   XXXX   XXXX  from previous monthly amount of {$1100.00} *Discovered their escrow include my yearly taxes and insurance doubled  XXXX   XXXX  - made payment of {$1100.00}. invoice said {$1100.00}  XXXX   XXXX  - Made payment of {$1400.00}. invoice said {$1400.00} I paid on phone with rep who said they would do an escrow review to resolve the issue with double tax/insurance on escrow . * T his is over payment of {$260.00} for  XXXX   XXXX   XXXX  - made payment of {$1100.00}  XXXX . invoice said {$1400.00}  XXXX   XXXX  - made payment over phone of {$1100.0 0} (   XXXX ? ) after several harassing phone calls to me about payment overdue discussed the issue with double tax/insurance in escrow. On phone for  XXXX  mins and then they disconnected me. Called back and was on phone  for 45  mins spoke to  XXXX  and  XXXX   (  tax dept ) no number given.  XXXX  stated she could see the double escrow and it just needs to be removed. Told them I would be reporting the issue in 15 days if this is not properly resolved.    XXXX   XXXX  - Called again to resolve the " overdue '' after I received letter in mail dated  XX/XX/XXXX   XXXX   XXXX  - made payment of {$1100.00 } (   XXXX ? ) invoice said {$1700.00}.    XXXX   XXXX  - after several phone message to me from SLS I returned call. On phone for 30 minutes. They said they have not received payment for  XXXX ! I once again asked if they had issues resolved and also what happen to my (  2 )   XXXX  payments. Was disconnected again.    XXXX   XXXX  - Billing invoice for  XXXX  states I owe {$2900.00} which doubles what they continue to incorrectly bill me for my monthly invoices ( {$1400.00 } ).      By my account they owe me : - {$1100.00} double  XXXX  payment - {$260.00} for over paying back in  XXXX .   TOTAL of {$1400.00}.     They have been horrible to deal with from constant phone calls and messages at all times of the day/evening to their inability to resolve issues even after they agree the issue is theirs not mine. The extra money and funds they are holding is causing a financial hardship in my monthly budget. The time to have several lengthy phone conversations during my working hours is causing loss of work productivity that I should be compensated for.

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 09/19/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (FL).
Issue: Money was not available when promised

Complaint: After Hurricane Irma, I send my children up North to Maryland. While visiting XXXX, my son ran out of gas money so I wired him {$100.00} via Western Union. At XXXX on XXXX/XXXX/XXXX I sent my son XXXX XXXX {$100.00} via Western Union online services. I received an email shortly after submitting the money transfer request informing me that the transaction was being reviewed. I contacted Western Union. After waiting on hold for nearly 20 minutes, a male answered and reviewed the transaction, they transferred me to Compliance after nearly 10 minutes the call dropped. I called back after waiting another half hour the male representative informed that the account was being reviewed for fraud, I explained that I did not understand. I am sending money to my son and have done so in the past. He stated that he would send Compliance an email to resolve the issue. A couple of hours later I reviewed the status online and it stated that money was ready for pick up. My son located a pick up location after showing his Florida drivers license he was told he it was not available. The time was close to XXXX. I called WU again, again long wait. The male customer service agent stated he would send Compliance a  message, I said no I wanted to speak with them now. My son was without gas in XXXX. He stated that they would call me in less than 1 hour. it was getting close to closing time, WU locations close at XXXX. I called my son and told him to stay put. I called a relative in Maryland to pick him up. They did n't arrive until midnight to pick up my son and I was worried sick. The next day on XXXX/XXXX/XXXX I called WU and asked it money was ready for pick up, same story Compliance needed to verify my information, I was transferred over, call dropped. On XXXX/XXXX/XXXX I called again this time a XXXX told me to hold that he would reach compliance after I demanded a refund of money and fees. He put me on hold for 15 minutes came back and said everything was resolved money was ready for pick up. I had my relative take my son back to XXXX to retrieve {$100.00} because the pickup location was XXXX. Once he arrived in the evening he went to another WU and was told that money was not available. He called western union to verify information. I called and was on hold and then again called again and nothing. I kept getting transferred between foreign speaking individuals that spoke English with a heavy accent. Finally I got fed up and asked my relative to give my son {$100.00} for my son to get back home. on XXXX/XXXX/XXXX, at about XXXX I called WU again and after much waiting I demanded a full refund of {$100.00} and fees for a total of {$110.00}. Male informed that he would send it to appropriate department and that someone would call me within 24 hours, even though I demanded to be called back within 1 hour. 24 hours have come and gone No CALL, NO REFUND!

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 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: This morning I checked my credit report with XXXX and XXXX XXXX XXXX is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back to XXXX. I see that the account # they use is XXXX. And the date they reported was XX/XX/XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid XXXX along time ago ; so all information is incorrect.

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 01/29/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Problem adding money

Complaint: 1. The company is coinbase, a place to purchase cryptocurrency. I added XXXX USD to my account, but it never got added to my digital wallet, so it is stuck in limbo and I can't use it. It was suppose to be only 5-7 days from a bank transfer. I submitted it 2 weeks ago, they took my money XX/XX/XXXX and today is XX/XX/XXXX. I still have not recieved my money yet and the account says " pending. '' What company is this complaint about? 
www.coinbase.com a crytpocurrency exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 disputed a fraudulent charge on my XXXX report but they investigated and said i should be financially responsible for the fraudulent charges. i strongly disagree. I live in a city with one source for energy and power which is XXXX XXXX. i have recieved my energy and power from this company since XXXX to the present XXXX. I could not have received service from the company the charges stem from if i wanted to. i live within the city limits and the towns utility company pretty much has a monopoly as the source of energy for all of its residents. After XXXX ruled against me, Experian then followed XXXX XXXX lead I then sought to send XXXX information proving that I never requested XXXX XXXX XXXX i am being fraudulently being charged for nor have i ever lived at the fraudulent address associated with the charges. I have been unable to check the status and walk through the steps to upload said proof and am running out of time. I have 17 more days but I am presently locked out of access to XXXX to dispute the charges listed below. 
XXXX XXXX XXXX XXXX is charging me {$1000.00}. The original creditor is XXXX XXXX date opened is XX/XX/XXXX First reported in XX/XX/XXXX for collections

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 12-12-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Hi, Second complaint the same day against the same company : Coinbase Inc. 

Coinbase just closed the currency trade for Ethereum and Litecoin. It is UNACCEPTABLE asthe market is NOT closed and crypto-currencies have very large and fast variations. The buys and sells of those two crypto-currencies are now XXXX for an unknown reason, my money is LOCKED and ca n't be sold when i decide it that can result easily to a LOSS OF MONEY. To disable functions can be understood, but to disable to possibility to SELL is a major fault that can result to very bad consequences of money loss. 

Coinbase Inc seems to be managed by kids or irresponsible persons those days, jeopardizing the funds of its customers. This is unacceptable for an authorized crypto-currency company in the US. 

I hope and trust the CFPB will know how to resolve this. This is an unacceptable manipulation of the market. Tiding money is a fraud. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with NAVY FEDERAL CREDIT UNION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: We have been unable to sell our home for what is owed and contacted Navy Federal Credit Union about doing a short sale. They sent us the paperwork and we put the home on the market, during this process NFCU would not postpone the sheriff sale, however, we live in Michigan and have a 6 month redemption period after the short sale. We finally rec 'd an offer on the home and now NFCU is telling us they wo n't negotiate a short sale because it is after the sheriff sale ... this make no sense to us because they did n't inform us of this at anytime during the process. We ca n't pay off the loan and really do n't want the home to remain vacant for over 6 months. Does n't the government want banks and credit unions to work with their mortgage holders? Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Problem with fraud alerts or security freezes

Complaint: For each of the last three days ( XXXX XXXX -XXXX, 2017 ) I have attempted to place a credit freeze with Equifax due to its security breach. After I entered my information on the Equifax 's website, I reach a screen that says the credit freeze service is unavailable at this time. I attempted to call Equifax to try to achieve resolution, but got only recorded messages that provided no help. I would like you take action on the behalf of myself and others to require Equifax to make credit freezes available when people ask for them. That 's the very least Equifax should be expected to do to prevent damage resulting from the security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a checking account years ago and did not realize that it had a monthly fee attached. Unfortunately, I never got XXXX email or letter from the bank until almost three years later when I got a letter stating that my account was overdrawn. Since I had never used the account ( and frankly, forgot about it XXXX, I was concerned that someone had fraudulently gotten my acct. number and had drained the account. When I called customer service, they told me that I had been charged {$9.00} for the last XXXX years. If I ( or anyone for that matter ) were aware that they were being charged a monthly fee for years without ever using the account, I would have changed the type of account or closed it. When I said I had never gotten any statements or notifications, they said that I had access online and furthermore, email notifications. I had never gotten XXXX single email or letter from Citizens in all that time. They told me my email address ( and it was incorrect - off by XXXX letter ). After speaking with several customer service representatives, they best they could do was to refund two months of fees. The motto, " Good Banking ... Good Citizenship '' should be changed to " Good Banking ... Good opportunity to steal our clients ' money! ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/14/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am submitting substantial proof that my XXXX credit card account is current and paid as agreed. I contacted XXXX in regards to a deragatory remark that is on my credit report. I received this supporting documentation that the account is current and remark to be removed. This account is showing as potentially negative when it should be showing as account that is satisfactory.

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 07/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I received an email and a flyer from Citibank for my Brooks Brothers Platinum credit card stating that I would receive a {$10.00} statement credit for each new automatic payment I set up for utility, cable or other monthly service provider bills. I complied with the terms of the promotion, but have not received a statement credit. I called Citibank and they have refused to honor this promotion. I have attached the email providing the terms of the promotion.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Clarity Services (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Greetings, I never heard of Clarity services not until I was trying to get an approval for furniture that I need for my new house. They are reporting inaccurate report about me to the company I was trying to get credit with. I called them to ask why that my bank account that I have since 8 years is not accurate as they said and they told me that at times it is because of military services which do n't make any sense. They need to remove fro they file because I do n't know who they are and they are being paid to report negative items on individual 's credit profile.
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Clarity services is a ripoff and they are reporting XXXX report so the same report is reported twice on my credit file. Shame on you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Student loan (Federal student loan servicing) with Law Offices of Robert A. Schuerger Co., LPA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: A law office has been contacting me up to XXXX times a day about me owing money to a school since I had taken out a loan and did n't finish the semester. Things happen in life and I obviously do n't have the money to pay the entire amount of the loan at this time or even an eighth of the amount. If I had that type of my money then I obviously would have just paid the tuition out of pocket rather than taking a loan out. All my other school loans are in deferment due to unemployment. This guy " XXXX XXXX '' talks very rudely to me and even had the nerve to ask me if I had any family or friends that could pay this " problem '' he referred to it being. I 'm tired of getting these rude and very unprofessional calls daily. I would like to not be contacted again. I know I owe the money and once I get a job and get stable in life then I will pay on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have Signature Student loans with Navient ( Formerly XXXX XXXX ). After reviewing all charges on my loan balance, I found a mysterious " repayment fee '' of {$280.00}. I called to get information on this and get this taken off. I was told that it was a fee charged when my loan entered repayment status. It was a percentage of all outstanding loans on my account. When asked for a credit of this, I was told that it was part of the original terms of the loan and can not be changed. I 'm sure I overlooked it in the fine print of the terms I signed on the loan over 10 years ago ; however, still left a bad taste in my mouth. I am currently working hard on paying off these loans, like millions of Americans. Hopefully they this get added to the " unfair practices '' section on the new lawsuit filed earlier this month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Credit card capital one has been notified by nmhself that there are incorrect charges and amount on my credit card statement and credit file. They ignored my numerous disputes for the last year and now sent me to collections and attorneys for collections even though these have been disputed. They have made collections calls to family and myself even those items are disputed andchavebceen over a year nowThey continue to add fees and charges all while these have been disputedThey have failed the credit card rules and regusltions to handle this is the allowable time periods and limitsThey will not assist after I have reached out many timesThey ar now denying I received phone calls from the lawyers office but I did as well as my wife on our cell phonesWe reported to the do not call list reporting and they stopped thenCapital one continues to violate many rules and regulations and I 'm very upset at their actions and the denials they continue to make

Company response to consumer: Closed with explanation