milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have a home equity line of credit with XXXX XXXX XXXX. This account was included in my bankruptcy filing, however they continue to report this line on my credit report. 

I have made several phone calls and credit bureau disputes. This line continues to report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I found out XXXX 2015 that i was a victim of id theft. I contacted all bureaus and the IRS to inform them of the fraud. Both XXXX and XXXX have cleared me of all credit cards that were fraudulently open. Equifax is the only company that continues to deny my request. They continue to report a XXXX card that i never had. I have sent numerous amounts of dispute which all included copies of my Id and SS card to prove my identity. I have also had numerous conversations with the company informing them that i am the XXXX generation, and the birth date and address that are associated with the fraudulent cards all seem to represent my father 's info with my social. The year that the cards were open i was a minor and was n't even aware nor was i old enough to establish credit.I am tried of fighting this with equifax. please help me with this because it has been going on too long.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit report shows a real estate account as open that is closed. 
Loan was refinanced in XX/XX/XXXX with same company and as part of this original loan was paid in full but account still shows as open with a balance and monthly payment amount. Essentially account shows double mortgage balance and double payment as current when one replaced the other. 
I called the company in XX/XX/XXXX to resolve this but credit report still shows account as open.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: With no notice or reason given, I have been locked out of my Coinbase account. I changed my password to the account and everything seemed fine. I went to login and was directed to a page titled " Account Disabled '' and a message that said to send photo of ID and proof of address, which I sent to support email as prompted, and have only received auto-replies directing me to trouble shooting page since. The support page give no details on disabled accounts or what to do. I submitted a complaint on the support page as well and still only received auto-replies. It has been well over 72 hours since my account was disabled and Coinbase have provided me with no information on my case, what I can do to resolve the case or even why the account was disabled in the first place. This restriction already prevented me from a planned purchase of Ethereum, which I had planned to purchase at {$160.00}. Ethereum is now trading at {$230.00}. In addition I am further prevented from securing my Bitcoin to cold storage before the XXXX XXXX fork.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Mortgage (Conventional fixed mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I was behind in my mortgage with SunTrust Bank so I filed for a modification on my mortgage, Instead of lowering my payments they have raised it considerably. If I am a day late they make me start over and charge me to do so. my payments use to be in the {$600.00} range and now its in the {$800.00} 's. I feel that they are taking advantage of people that are having a hard time making payments. I am struggling with this payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (FHA mortgage) with Supreme Lending (OR).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for an FHA loan with Supreme Lending ( XXXX XXXX XXXX XXXX Supreme Lending XXXX XXXX XXXX, XXXX XXXX, XXXX, TX - NMLS # XXXX ). At the end of XXXX XX/XX/2018, the pending offer on the home was terminated and the loan officer withdrew the loan on that basis. After the loan officer switches companies, I received a notice from Supreme Lending that my credit application was denied rather than withdrew. I want to be sure this false denial of the application doesn't show up negatively on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2016 about Consumer Loan (Installment loan) with 1st Franklin Financial Corporation (GA).
Issue: Managing the loan or lease

Complaint: First Franklin in XXXX, GA obtained my banking information to process payments " ONLY WHEN APPROVED ''. However, they are consistently and randomly withdrawing unauthorized payments from my account. It started with my XXXX XXXX XXXX account, I had to end up blocking their business name from having the ability to use electronic debits. So they then slightly changed the name used to make electronic debts, and started withdrawing unauthorized amounts of money again. I then had to change my entire banking account information just to stop them. 

Then, XXXX the store manager pops up at my house to make " payment arrangements ''. I have spoken to XXXX, XXXX, and XXXX NUMEROUS times about my account. They PROMISED me that they would ONLY withdraw funds from my account, IF I authorized the payments. After dealing with them for quite some time now, I know and understand their scandalous practices, so I began recording EVERY call between myself and ANY representative from the XXXX office. 

Despite their promise to me to only withdraw AUTHORIZED transactions, they continue to withdraw monies from my account at their discretion, which are NOT AUTHORIZED. I have absolutely had enough of going back and forth, around and around with this company. I am reporting this matter to any and everyone who has any authority to stop them from STEALING money out of my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: CHASE BANK has a misleading promotion, claiming new holders of the Chase Sapphire Reserve will be given XXXX bonus points if they spent {$4000.00} or more in the first three months. I have never owned a Sapphire Reserve card before. When I called to apply for the Chase Sapphire Reserve card, they did not tell me I was not be eligible for this benefit, but they gladly allowed me to agree to pay a {$450.00} annual fee. Chase claims the Sapphire Preferred card I had was the same account - and the reserve is just an upgrade - and therefore I am ineligible for the bonus points.
No where in the promotion details does it say Sapphire Preferred card owners are ineligible for the bonus. When I spoke with a represen tative inquiring about the Reserve ca
rd, no one told me I would not be eligible for the promotion. My Sapphire Reserve is a new credit card to me. Which is what the language below says. They did not tell me it was going to the same account. I had no expectation that it would be. " XXXX Bonus Points This product is not available to either * ( i ) current cardmembers of this credit card, * or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling {$4000.00} or more during the first 3 months from account opening. '' I changed my behavior, chose to use their card over other benefit cards with the expectation that I was going to earn this reward. They got my annual fee, I have spent well over the minimum in the first three months. Now Chase has informed me I will not be given the XXXX bonus points. I have escalated this with Chase as far as I can, but they will not give me what I 've paid for and earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-09-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been making payments to XXXX XXXX for two years. Today I discovered that another company XXXX XXXX XXXX XXXX is holding XXXX of my student loans. I had no idea. I have had the same email and phone number for 15 years and I have NEVER heard from these people, ever. As a result my taxes were seized leaving me in dire straights. What really makes me angry is that if I had KNOWN this loan was with this company I would have addressed it, I could have had them all consolidated so I can make payments together. Because they have acted in secrecy, by never contacting me, two years after making on time monthly payments my credit score is still suffering and I have XXXX loans in default. I have struggled to get my credit on track and this is a huge set back. Not to mention I actually owe XXXX more than I took out in student loans thanks to insane collection fee 's. I want my loans taken from these people immediately. I want them placed with XXXX XXXX, the company who reached out to me and helped me get this started. I also want XXXX to receive repercussions for their part in this.

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 01-11-2016 about Bank account or service (Checking account) with BANCO POPULAR DE PUERTO RICO (VI).
Issue: Using a debit or ATM card

Complaint: My XXXX debit card was mistakenly given to somebody else at a restaurant. My card was used by that somebody else to purchase {$75.00} worth of shipping at the post office. My bank did not inform me that there would be a {$50.00} surcharge added to my account for their " services ''. The investigation took two months and in the end only {$25.00} was rebated back to my account. Does n't the bank have the obligation to inform me of this {$50.00} surcharge that they claim is federally mandated? I would n't have wasted my time filing different claims and having the headache that I did, had I known they would be charging me {$50.00} to get back my own money ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit score is below XXXX and there does not appear to be justification for the low score. the credit reporting reasons for the low score : " too many delinquencies, too many credit reporting requests, proportion of balances too high ''. these reasons do not appear valid : there are almost no delinquencies within XXXX mo, there are very few credit reporting requests in past 12 mo and the balances for debt to income are 40 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Received judgment court papers regarding debt in which I was unaware of what it was Until I realized that this was a creditor hat I had previously disputed on credit report. The court papers list plantiff as   XXXX   XXXX   XXXX   or   XXXX  aN D  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX . as their attorney and my mom and I as defendants. I did some research and I found out these creditors were hired to collect on student loan they allege I obtained and allege my mom co-signed. However, these creditors did not properly set forth identity of the original student loan creditor or any promissor documentation. Also, creditors alleged this is a debt that was obtained over 10 years ago. I am a victim of identity and my mom is a senior over  XXXX  so I am very concerned about this matter. My information and my moms was used before fraudently for a mortgage loan also over 10 years ago. I believe these predatory creditors are in violation of the California consumer credit laws : Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Truth in Lending Act. I have attempted to dispute items on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Debt collection (Payday loan) with Oracle Financial Group LLC. (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX/XXXX/2016 - XXXX : Received a call from XXXX direct extension XXXX and person left a voicemail - I checked the voicemail : it says " XXXX XXXX who received correspondences on behalf of his client on a fraud case that will be filed against me in my county according to Federal and State laws. The charges will be filed within 72 hours and that his client wants me to provide a character statement on my defense. The reference docket number for the case is : XXXX ( I have a copy of the voicemail ) - I called XXXX XXXX the number back at XXXX, he told me that he was part of Oracle Financials, which is a consortium of lawyers. He gave me the name of the creditor : XXXX XXXX XXXX and told me that he would be charging me with fraud. I then told me not to contact me and refused to give him any of my personal information - At XXXX : I called the FCDPA for advice on filling a violation claim and for a referral for lawyers - At XXXX : I called the office of a consumer lawyer to see if I could schedule a consultation and left her a voicemail - At XXXX : I called XXXX XXXX XXXX and told them I was planning on filing an FCDPA violation claim. They told me to they had sold my debt to XXXX XXXX XXXX. 
- At XXXX pm : I called XXXX XXXX XXXX and they did not pick up. I called them again at XXXX and XXXX told me they had given the loan to XXXX XXXX - At XXXX : I called Oracle Financial ( XXXX ) and they argued that since the phone call I received did not come from their toll-free number, they had nothing to do with it. When I asked if he were willing to send a verification letter, he said no because he did not want the company to be sued. 
- At XXXX : I decided to call XXXX XXXX so that he could tell me again who he was working for. He did not pick up but his voicemail said he was working for ORACLE Financial - At XXXX : I called Oracle Financial again to inform them I was filling an FCDPA violation claim and wanted to know if XXXX XXXX was working for them ( based on his voicemail greeting ), they hung up on me. 
- At XXXX : I called again, this time I explained my situation to another employee who said he was not qualified to help and transferred to what I believe to be their claims department. The person I talked to asked me for my social security number and since I was already highly suspicious I refused. I was however willing to give them my name and my phone number to check their records. Suddenly, they could not find me in their system. I reiterated my question about XXXX XXXX and asked them if they were saying they did not have a loan under my name. He answered that XXXX XXXX did not work for Oracle Financial and they did not have any loans under my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 09-10-2017 about Checking or savings account (Checking account) with ALLY FINANCIAL INC. (ME).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: This afternoon I attempted to login to my Ally Bank account. It said my account was locked and I needed to call them to access the account. I promptly called them and was told a hold had been placed on the account because an account specialist was reviewing the account. I spoke with a manager and no one can tell me what it means that a specialist is reviewing the account, nor can they connect me with a specialist who can tell me what 's going on. I made a deposit on this account back in XXXX, I made one transfer from the account and now I 've gotten around to writing the first checks on the account. I 'm confused about what is going on. I asked if the checks would clear and they could not tell me. I asked why no one called, emailed, or wrote a letter before or after the hold was placed. He could not answer that either. It 's unacceptable to me that a bank can freeze all access to my account and possibly even to the checks I 've written with no notice to me whatsoever. The only help that could be offered to me was a return call in 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 10-04-2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I called Credit Systems International to inform them that this debt was paid via my insurance company and I asked XXXX to provide me with the name of the Physician or Medical Facility that they were collecting on behalf of. XXXX stated that it was XXXX but she could n't give me the name. She also stated that it was their policy that she could not speak to me because I was speaking on my phone on a hands free ( through my car audio system ) device. I asked her to transfer me to someone who had more compassion about what I needed and she transferred me to a random voicemail. I called back and got XXXX again and she stated the call " Are you still calling on a speaker phone? '' She did not attempt to assist me nor did she provide me with the name of the company that she was collecting on behalf of. I had to hang up and call my insurance company and have them call her, but she continued to be rude and did not provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CountryPlace Acceptance Corporation (OR).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: late pmts after acct was closed

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had an original student loan amount for about {$34000.00} as of XX/XX/XXXX. My payments have ranged from {$360.00} to ~ {$330.00} a month for the past 16 years. I 've asked my loan servicing company for the formula they use to calculate repayment amount and period and they defray the question. My loan has been serviced by XXXX, XXXX, and now, NAVIENT. According to my calculations, using the lowest payment of {$330.00} x 192 months = the result is {$64000.00}. Therefore, according my calculations even with deferements and a forebearance, the original debt of {$34000.00} should be paid up by now with a profit to the loan servicing company of {$30000.00}. Please help! 

Additionally, I have another student loan with an original principal of {$16000.00} which I have been paying off since XX/XX/XXXX at the rate of {$180.00} per month. Hence, {$180.00} x 96 months = the result is {$18000.00}. So once again, according to my calculations that debt should be paid up as well. 
I believe, that the loan servicing practices are fraudulent ; I believe they have reset the loan repayment periods every time the loans transferred from one servicing company to the next. They have also imposed deferements ( which adds interest to the principal ) without my consent even after I 've told them not to and to continue drafting payment from my checking account while in school. 
Please help!!!!! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My credit report is currently showing serious delinquencies for periods during which I have previously requested a forbearance. Specifically these periods are : -  XXXX  thru  XXXX ,  XXXX  ; -  XXXX  thru  XXXX   XXXX .     I have written to the lender many occasions and have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX California XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX Balance : $ XXXX : XXXX DOB : XX/XX/XXXX To Whom It May Concern : XXXX XXXX XXXX I would like to make arrangements to settle the above referenced matter. 


Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 



Thank you very much. 


XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 )

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