milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is my case number with institution. 

I simply accessed my online account in XXXX of XXXX to switch auto-draft accounts from one bank to another. When doing so, the website explained that it would take 30 days to reflect the changes. What actually happened, is they removed the current banking information immediately and waited 30 days to update the new account. In turn, I was balancing my checkbook for the month of XXXX, and realized my mortgage payment had not been deducted. I called XXXX immediately. They stated that I was 32 days delinquent on my account. I asked why they did not attempt to contact me XXXX after verifying all of my account information was correct, something they ask every time you log in ). They had no answers. Why would they have not called or emailed if I was late? I resolved the payment issue immediately and asked them if they had reported it to the credit bureaus. They stated that they report 30 days delinquency ( essentially I was 2 days late ). I asked for a reversal they said I would have to dispute via an online application, which I did, XXXX separate times. It is now 4 months later and I have not received correspondence to correct this issue. My credit score has dropped over XXXX points for the one discrepancy. My score went from a XXXX to a XXXX overnight. I am now getting declined for premier credit cards XXXX which I had no problems previously XXXX and my student loans payment has increased by 1 full point as there is an adjustable rate which is dependent on your credit score as a factor. This is costing me a substantial amount of financial distress. I feel that XXXX should remove the delinquent report immediately. Their website verbiage was misleading, and they made ZERO attempt to contact me and allow me the chance to make the payment before reporting my delinquency to the credit bureaus. This is not fair practice as to the magnitude of troubles it has caused me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax refuses to remove an invalid judgment on my file. I have gone to the courthouse, and they have no docket on file under my name, and they said they would not have been able to verify a judgement with a credit reporting agency, as their is NO DOCKET on file, or recorded judgement for my name. The judgement is not on any other agency report, only Equifax. I have disputed this twice with Equifax. I have asked them their method of verification. They refuse to remove it, and have offered no method of verification. This needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Payday loan () with GVA Holdings, LLC (PA).
Issue: Charged fees or interest I didn't expect

Complaint: APPLIED FOR PAYDAY LOAN FROM WHITE HILLS CASH AND XXXX BOTH COMPANIES HAVE CHARGED OUTRAGIOUS INTEREST RATES. UNABLE TO PAY THESE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: continued complaint- XXXX Date XX/XX/20151. The Banks continue to disregard of my rights.. 
2. The Banks failure to release insurance proceeds to me, after instructing me to endorse the check to the bank, make the repairs with my money, let them inspect the home, have an affidavit notarized, pay the loan current with my attorney is distressing. 
3. The Banks are not disclosing to me important information necessary to make the payments to the loan and keep the loan current. 
a. P.I.T.Ib. PAYMENT AMOUNTc. LOAN AMOUNTd. LENGTH OF LOAN4. The Banks are violating Dodd Frank Mortgage Servicing rules by not promptly providing successor in interest ( me ) with important information needed to keep the loan current. 
5. The Banks are Violating Respa- by not providing me with an annual statement and impound account statements. I pay the insurance and I am entitled a copy of the annual statement of payments. 
6. The Banks are violating Fair Debt Collection Practices act by not providing notices and communication to ( me ) borrowers. This affects my ability to keep the loan current. 
7. The Banks are violating the Final Mortgage Servicing rules. Error resolution, information requests, general servicing Loss Mitigation policies & procedure requirements are not being disclosed or handled in a timely manner. 
8. The Banks are violating the FTC- Debt collection practice by making false & misleading statements. 
9. The Banks are violating the Early Intervention Rule by not providing information to me. 
10. The Banks continue to cause me unnecessary harm and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: I place a wire to XXXX/coinbase for XXXX on XX/XX/XXXX XXXX XXXX still havent receive my fund today. On their site it said fund will be available same day if wire before the cut off time XXXX XXXX PT. days later fund is still unavailable. Their customer support is unresponsive to this issue. Cant reach them by phone. I actually made a search online realize this is the norm and it happen to other customers as well. I wish the XXXX/Coinbase would provide a disclaimer. I hope they have a faster support team if they are providing this method of transaction. Customer that paid for wire transfer want their fund quickly not slowly. If they cant provide the support to resolving these issue quickly than dont provide the wiring option method.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The NYS Department of Education has XXXX loans on my credit report. XXXX of the loans are correct and are mine but then the XXXX is for {$13000.00} and I never took out a student loan for {$13000.00}. And the XXXX loans I did receive were dismissed by the loan forgiveness program. The student loan for {$13000.00} is not mine and is on my credit report!

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 10/31/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (IN).
Issue: Application, originator, mortgage broker

Complaint: I financed my house in XXXX of XXXX with a balloon payment. I refinanced the mortgage in XXXX with a fixed rate. I went to refinance my mortgage at a much lower interest rate in XXXX of XXXX. We ran into a problem of the original mortgage not having been released. Ocwen Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is the company that has been servicing the original and current mortgage but have not responded in a timely manner to fix the problem with the mortgage not being released. It has now been 3 months without the situation with the non released mortgage being resolved. This is costing me out of my pocket extra interest on the current loan that I would be saving by completing the refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have no idea what this is for, I have tried to request validation and nothing. I did not go to the doctors in  XXXX    XXXX  . This is inaccurate information listed from this company  Commonwealth Financial  {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Have written into all the major credit bureaus over 20 times in last 2 years ; have placed numerous of phone calls being on phone for over 2 hours and issue still unresolved advised them all that I am an victim of identity theft did what the asked filed police report, affvadaits etc some of the accounts have been removed but not the collection account that were attached to the crime. would like all 3 major bureaus to remove XXXX XXXX, XXXX XXXX, XXXX, XXXX and XXXX from my credit reporting file

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC ().
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I had an original XXXX XXXX XXXX Loan for my primary residence that subsequently serviced by several loan servicers. During the 2008 recession and financial and housing crisis my mortgage became insolvent and thus I applied for a HAMP and TARP loan under the direction that I would be able to get relief. I was wrongfully denied a loan modification and have since been in litigation with the loan servicer for the past several years. Per TARP, HAMP and Federal Law. This was not supposed to affect my credit but however my loan servicer still reports this as a derogatory mark not only damaging my personal credit but my livelihood as well. They have also subsequently taken payments from me during a trial modification period. I made all payments timely and with good faith and was denied once again. They pursued the foreclosure breaking HAMP and TARP requrements. We have had a written settlement agreement that they have refused to honor. They did not act in good faith and I am pleading for relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MN).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have an obscene interest rate that I have on a XXXX credit card. Ive been paying down {$3400.00} for 10 years and its still maxed out. I pay {$100.00} a month.

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 07/29/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: To Whom It May Concern My wife and I have been contacting Bank Of America for about two months now and getting no helping answers leaving us very disappointed with B of A. We have a 15 year loan and are final payment according are contract is XXXX/XXXX/XXXX. Are most recent statement says that are contractual remaining term is 05 months. The problem with this is we will have a balance of approximately XXXX dollars now we were able to get a customer service person that told us who was not even sure but said come to the end of this term we would need to have the balance payed off in full or Bank Of America will take action with foreclosure on are home and it will affect our credit. 
Trustworthy and reliable customer for about 15 years current with all payments and yes We are considering going with another financial institution if this situation is not going to work for us. 
Thank You XXXX XXXX Here is my follow up letter on this situation after receiving a letter on XXXX/XXXX/XXXX from Bank Of America -- I am going to make this short It does not take 24 days to research this problem It takes about one hour only because as I had mentioned in the first letter to customer relations with Bank Of America. I have received a letter from XXXX XXXX regarding a search on our loan. But this search is from a different loan this is not ours and the only note that was sent was our promissory Note from XXXX XXXX XXXX which reads our final payment due XXXX/XXXX/XXXX Not XXXX XXXX! There is No Resolution To this Legal and binding Contract. Please be advised any more notes or History of payments will not be accepted. We need an explanation of why our loan was extended without an approval and a signed plan of documentation. And lastly We have No plans of using modification, to cover this Bank Of America system of doing Business this is Not good Business, and please note on your letter you state that you are a dept collector I hope you are not for the reason of LEGAL matters, If so then we have a situation with our understanding on our Loan. 
Thank You 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 02/21/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I set up a repayment plan for my student loans. When I talked to a representative, in the beginning, they reassured me that all my loans were out of default and into the repayment program. I received a letter in the mail later that month letting me know that my biggest loan was about to be delinquent. I called Sallie Mae right away to resolve the matter and a lady representative reassured me that all of my loans were up to date and that my loan was n't in the negative. 2 months pass and I receive a third letter letting me know that my loan was in default and that I would have to put XXXX down to get my loan back in good graces. Needless to say, since the lawsuit, they have n't called me about the matter but they were very disrespectful about having me repay. Also, they told me that an income based payment plan did n't exist and that I would have to put at least XXXX down to fix my 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 02/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have tried numerous times requesting for documents that Experian uses to verify this debt with XXXX XXXX XXXX  but Experian has declined to send me any information. All Experian sends me is updated credit reports but nothing else. Every dispute response is " updated ''. First letter requesting documents was XX/XX/XXXX. Second request was on XX/XX/XXXX. I sent it so early because Experian gave me my dispute results as " updated ''. The third letter was sent XX/XX/XXXX, again Experian updated the dispute result as " updated ''. My fourth letter was sent XX/XX/XXXX. After four attempts to get documents in how Experian " verified '' this account I have got nothing back.

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 06/17/2015 about Bank account or service (Other bank product/service) with Comerica (CA).
Issue: Account opening, closing, or management

Complaint: I receive my social security pension funds through Direct Express debitcard. They deactivated my card about the XXXX of XXXX. They said thatthere was suspicious activity, however, I can not see anything suspicious on myon my XXXX statement. I have contacted them numerous times and havecomplied with their requests for proof of identification. After severaltries, they now say that they have not received my last fax. I haveconfirmation that have received my fax. 
andnow I must start over with new faxes

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NM).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Navient has breached it 's own verbal contract numerous times, and is now threatening default and lawyers. XX/XX/XXXX I was diagnosed with XXXX XXXX that forced me to close my business, created a separation from spouse, became homeless and forced to move to a healthier environment. <P/>I contact them many times via the only platform available due to homeless situation, email. Told them numerous times of the above situation, that I had no income but was spending meager savings to try and continue payments. I did so for a few months in XX/XX/XXXX until savings depleted. In XX/XX/XXXX I got part time work that did n't effect my XXXX, but left me with a take home pay under {$700.00} a month. Navient would accept nothing but a call, so had to find a phone to borrow for the call, thyey claimed " This call is recorded ... '' so, should have on file, requested Income Based Repayment, they complied and set a monthly {$50.00}, I have paid {$60.00} most months, and never missed one payment. Since the very next month after the first call, as well as another in XX/XX/XXXX, and on a monthly basis, they harass me stating " missed several payments, will go to default. '' I have never missed a single payment, sent numerous emails from a verified email address stating my income, employer, etc. ( No phone available. ) Only reply is continued form letters via email, " Several payments behind ... default, may turn over to lawyer ... call us ... '' I 've replied that I live in XXXX NM, phone N/A majority of time, FTC says verified email IS valid contact only to get same as above over and over. I 've researched Navient online and speaking to others via my XXXX work, and have found Thousands of complaints not unlike mine.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: HELLO MY NAME IS XXXX TWO YEARS AGO I HAD AN ACCOUNT WITH WELLS FARGO. HOWEVER MY CARD WAS STOLEN AND CHECKS WEREM WRITTEN AND I FILED A REPORT WITH THE BANK REGARDING THIS. SOMEONE STOLE OVER XXXX FROM ME. I WAS IN A TERRIBLE XXXX WHICH LEFT ME XXXX AND UNABLE TO PAY BILLS TO LEAVE ME HOMELESS. THEN SOMEONE STOLE MY MONEYN AND COMMIT FRAUD. I HAVE TRIED SEVERAL TIMES CONTACTING WELLS FARGO THEY HAVER FAILED TO RESOLVE THIS ISSUE WHICH HAS LEFT ME NEG. AND REPORTED TO XXXX SYSTEMS. THIS WAS MY FIRST CKING ACCOUNT. PLEASE HELP

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 02-04-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Managing the loan or lease

Complaint: In XXXX of 2015, my wife and I purchased a new car at XXXX of XXXX. Because I 'm new living in XXXX and I do n't have a credit history, Chrysler Capital financed the vehicle with the APR of 18 %. We asked if we could make extra payments on top of our monthly payments in order to get ahead on our principal, and they said yes. Our monthly automatic recurring payment is {$470.00}. The first payment went through fine, but in XXXX, we made an extra payment of {$750.00} to go towards the Principal Balance. Chrysler Capital instead took {$390.00} for interest rather than as requested. When we saw this, we informed them that this is just for the principal balance because we are still making automatic monthly payments. Before they fixed the {$750.00} amount, they 're online system accepted our automatic XXXX payment but only took {$29.00} towards interest. They did n't take the correct amount of interest from this payment as they should have. Due to their error, it put us behind on interest, therefore increasing our daily interest rate and accruing a much larger monthly interest. Therefore, in XXXX and XXXX, our automatic monthly payment of {$470.00} has gone completely to interest and none toward principal. The XXXX statement actually states that the accrued interest is {$350.00}, but Chrysler Capital took the full payment of {$470.00} toward interest and XXXX toward principal. They refuse to fix this. 
We have called them many times, asking them to fix the problem because this was their mistake. They told us that it is our fault for making that extra payment and not wanting any interest taken out of it, but we specified that the the normal interest amount should be taken out of the automatic XXXX payment. We have spent hours on the phone every month trying to find a solution, we have escalated the complaints to the " Office of the President '' at Chrysler Capital and they have offered no more than an " apology '' but have not fixed the problem. We should not be paying interest only because this was their mistake for not taking out interest from the XXXX automatic payment. They refuse to offer any solution or help when we have paid all payments on time and have even paid more. They are stealing our money and not allowing us to pay anything toward principal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Focus Holding Company (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I recently reviewed my credit report which had a new Debt Collection from Focus Receivables Management. It was listed as a XXXX past due balance. Prior to seeing this entry, I have received no communication from Focus Receivables Management. Had I received a letter I could have requested a validation of debt since it was already paid to the original creditor.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Credit card () with AMERICAN EXPRESS COMPANY (TX).
Issue: Other

Complaint: american express closed accounts with balances on them accounts XXXX XXXX XXXX XXXX on the illegal interference XXXX XXXX XXXX i think not part of my estate part of trust nominee account and on a business account through XXXX a nominee account for a trust ***************** XXXX XXXX and other evolving numbers as they kept being stolen

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with SYNCHRONY FINANCIAL (IL).
Issue: Billing disputes

Complaint: I contacted Synchrony Bank because I found out they charged me over {$200.00} in late fees when I paid my account ahead of time each and every month. So I am being charged for paying on the XXXX of the month instead of the XXXX. They only waived a couple of fees. I want the {$160.00} in late fees waived. This is outrageous. I have been a good customer and do not deserve this type of treatment. My acct # XXXX has to be refunded the {$160.00} immediately.

Company response to consumer: Closed with monetary relief