milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/17/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MI).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX, 2015 I contacted my mortgage company Nationstar to see if I had time to complete a Modificatin package on my home. I was advised yes I had to send in before XXXX XXXX, 2015. My home was in XXXX and I was XXXX at the time I traveled the next day back to the hose and contacts XXXX Neighborehood housing forclosure department to assist me with the paperwork. I complete a package with ther facility and the papers were faxed XXXX XXXX XXXX via XXXX, on XXXX XXXX, 2015 per. Call to Mortgage company rep confirmed my paperwork was. In and possibly on doc missing she XXXX and this was sent via fax on XXXX XXXX, 2015. The XXXX and my self have sent monthly bank statment and weekly check stubs from my employer. On XXXX XXXX, 2015 my representative at Nationstar advised XXXX at XXXX the sale went forth on XXXX XXXX, 2015 after we were advised The sale of the property had been postponed. Each week I call leave a voice mail with my point of contact who has not returned XXXX voice mail from me. XXXX XXXX my representative on my account spoke to XXXX at XXXX and advised the sale of the house went forth on XXXX XXXX, 2015 and advised my paperwork had been submitted late. All this time we have called and each week advised it under " review ''. I have not had documents mailed to me on this status.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CNG FINANCIAL CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX of XXXX called & threatened my niece, XXXX, a college student. A woman claiming to be XXXX left a message concerning a loan my niece had taken under misrepresentation from Check & Go. She said if my niece did not pay back the loan, with its accelerating interest fees, " I WILL be stopping by your residence or place of employment to issue you a certified notice of intent regarding legal action on this claim. '' This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Debt collection (I do not know) with Premier Recovery Group (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have been contacted by a company that goes by the name of Premier Recovery Group. They are stating that I owe money to an online loan company that wired money into my account in XXXX of XXXX. I told them that I 've only taken out a loan from an online company once and it was in XXXX and I paid the company back in full. I told them that I would look through my bank statements. I went through my bank statements and only had deposits from the company that I worked for. I called the company back to verify the bank account and then told them that there was never a wire into my account. They said that money was wired to my account and asked how i wanted to settle. I told them that there is nothing to settle other than the fact that I never received a loan at that time and that I was happy to send them my statements. The person gave me a fax number that was disconnected. I called back to ask why I received a disconnected number and to ask for their agencies license number. The person told me I was given the wrong fax number and that he did n't have the license number and was n't where aware there was one. I asked him to transfer to someone that could give me that information. The person over operations said she was not able to give that information and that it was private. I told her that is all I needed to know. I checked the second fax number it is also disconnected. This company is a fraud.

Company response to consumer: Closed
Consumer complaint received 07/31/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I discovered an alleged collection account with Sunrise Credit Services for {$290.00} on my XXXX credit report this morning, showing an alleged original creditor of " XXXX ''. I had never heard anything from Sunrise Credit Services prior to this report and more saliently, I had n't heard anything from XXXX ( Cable TV ) regarding an outstanding bill, either. I did contact XXXX this morning, and they gave me control no. XXXX as proof that this debt has been paid in full. Further, the representative I communicated with assured me that XXXX would instruct Sunrise to delete this alleged collection account from the credit bureau ( s ).

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: transunion credit report inquries that castumer servis did not help with XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/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 05/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX   report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   XXXX  's requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court stating that they do not verify ANY pu blic records to the credit bureau. So this makes  2 letters back with 2 different stories about how they allegedly verified this   information of which both are inaccurate. On  XXXX   XXXX , I called the Experian credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This is  MY cre dit file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done the job right the first time I would n't have had to request this a  XXXX  time. I will also be sending copies of this to the BBB and the Attorney General for review.

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 05-08-2015 about Debt collection (Payday loan) with BlueChip Financial (TX).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX is attempting to collect on a debt for an illegal payday lender named Spotloan. They have called my work number after I 've informed Spot Loan and another company affiliated with XXXX that I ca n't take personal calls at work. Yesterday their collection agent contacted me at work, was not satisfied with my response, and then hung up on me. She then called another one of my contact numbers which happened to be my cell number and hung up on me immediately since her goal was to leave a threatening sounding voice mail in hopes I 'd call them back. Today she called my work number again, I answered the phone immediately but she hung up on me immediately since she could n't get my voice mail. Then she called my cell number and again I picked up immediately and again she hung up immediately since she could n't leave the scary sounding " legal '' message on my voice mail. Finally she called my mother 's number, even though she had already contacted me on my real contact numbers XXXX earlier today but hung up, and finally was able to leave the scary, " legal '' sounding message she was hoping for. XXXX violated the FDCPA by contacting me at work after I 've asked the original creditor, XXXX 's affiliate, and XXXX not to do so, and then they violated the FDCPA again by repeatedly calling additional contact numbers after they had just spoken to me at my work and cell number. The message they left on my mother 's voicemail also was a violation of the FDCPA as it was very detailed although it was n't my phone, cell or work number and unnecessary since they already had numbers to contact me on. I want them to stop contacting me and anyone associated with me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have credit reports from Experian that show incorect information disputed and they did nothing did it by phone mail and online they said nothing and gave me nothing I have XXXX to XXXX on all credit scores Experian with no bad credit just great credit for open and paid off accounts and they are lieing to people I am getting credit reports saying I have a XXXX credit score when I just got a home loan they said I had higher then that so Have proof of them giving fraud information to companeys and the score with them has been XXXX for 15 years never changed I have proof of that as well

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 01-08-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other service problem

Complaint: I attempted to Log into my Coinbase account while on vacation in XXXX on XX/XX/2017 and received notice that my account was being suspended pending evidence of my US residence. I immediately provided this evidence the very same day but, now more than 2 weeks later, I am still waiting for restoration of access or any sort of followup from Coinbase. 

The situation has been both frustrating and financially harmful, given the fluid nature of virtual currency trading and the need for a rapid response to price fluctuations.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I recently got a mortgage and now I have numurous hard inquries on my credit reports. 
I have talked with XXXX equfax about an account XX/XX/XXXX that was taken out of my S.S. Ck. I also had accounts that were to be removed from my accountsBecause they were from XX/XX/XXXX Iwould like a forensic revue of my accounts.If that isPossible. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My identity was part of The XXXX breach. I have contacted XXXX and was alerted that I have a fraud alert and I believe that I may have been impacted by this recent breach. I have several inquiries that I 'm unaware of and believe they have been placed on my account without my consent. The inquiries are going to be attached to this report. This is very disturbing and I have contacted Better Business Bureau, FTC, & I have gone down to the bank to file suit against XXXX and the companies listed on my report. I notice that these inquiries we 're reported to XXXX, XXXX, & XXXX. At this time I am very XXXX off that my information has been leaked and have been used. Now I 'm not sure what to do and do n't trust to many people. It is very stressful to know your personal information is out every where and it 's a shame that we have these issues in a country where security is suppose to be used for things like this. I want it removed within 24 hours at the latest and I wo n't accept nothing no later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: Closing/Cancelling account

Complaint: I was a Chase Bank credit card customer. 
Yesterday, Chase Bank closed all my credit card without any notification. 
Next day, I called to Customer Specialist and she said my account was closeddue to 1 ) Limited credit history, 2 ) High utilization. 
I could not understand XXXX reason to close my account. 
1 ) Limited credit history? 
This credit factor was already reviewed when I applied the credit card. 
They already knew my credit history. However, they closed due to limited credit history? 
2 ) High utilizationThe reason why I had a lot of expense is my engagement. 
Because me and my fianc planned to travel to other states. 
Also, when I called to the customer center and security department due to using my credit card, nobody told me about high utilization. 
I am really wondering why Chase Bank closed my account before due date. 
My due date is XXXX. And I could afford to pay full payment even month ( I made a full payment today ). 
Chase bank consider me as a risky person even though my due date is not coming? 
I think many people have a time to have a lot of expense. 
But I always using the credit if I could make a full payment. 
I am upset because they consider me as a risky person even though I can easily pay for it. 
The reason why I used Chase Bank credit card is that I would like to build good relationship with Chase Bank. After this event, I am searching similar case with Chase. And I was shocked there a lot of case they closed account WITHOUT NOTIFICATION. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I have been calling GreenTree/DiTech literally for years, regarding having my mortgage, which has never even been late, released from bankruptcy. My co-borrower is the bankrupt party. I was told months ago that my account was approved for release, but the then representative, XXXX XXXX # XXXX, who is now the " supervisor '' never ever returns my calls or does her job in having this account released. When I called requesting to speak to XXXX 's supervisor, I was told that I can only be transferred to XXXX working on my file or to XXXX, the inept supervisor. So I am filing this claim in the hopes that someone at DiTech will actually do their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Bank account or service (Savings account) with TD BANK US HOLDING COMPANY (GA).
Issue: Account opening, closing, or management

Complaint: My husband opened a XXXX XXXX XXXX account for our daughter with XXXX Bank. Last known statement was sent to our address in XXXX, GA in XXXX. We have since moved to a couple of different addresses and lost track of the account. Our daughter is now scheduled to graduate on XXXX, XXXX. We located the last known statement dated XXXX XXXX/XXXX/XXXX ) and called TD Bank to inquire about the funds. XXXX Bank was bought by TD Bank in XXXX. TD Bank states that they do n't have any record of our account because it must have been dormant prior to their acquisition of XXXX Bank in XXXX. TD Bank suggested that we call the State unclaimed property department in Delaware, Maryland and Georgia. I contacted the unclaimed property in the States mentioned and they do n't have any record of the account being sent to them. The State of Delaware informed me that they would need a letter from TD or XXXX Bank stating that account funds were sent with associated details before further research can be performed. TD Bank is stating that they ca n't help, because there is n't any current record of the account. This is a good bit of money and my daughter needs it desperately to get into college. Can someone from TD Bank please pull the account history from archive and explain what happened to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Problems when you are unable to pay

Complaint: I made a agreement to settle my account with capital one for {$5000.00} in the amount of {$750.00} for 6 months. I have made XXXX payments which the balance now is {$3700.00}. I am requesting capital one will listen to my financial hardship at the moment for why i have n't made the payment for XXXX. My son was going to college and he was receiving student financial aid which was the reason i was able to make these XXXX payments. For a personal problem he had to withdraw from college and transfer to a new XXXX. It will be two more months before he will receive his refund money. We will be able to pay the {$3700.00} balance in full. I am requesting that capital one not cancel this agreement. I am also requesting if i can trade the XXXX XXXX for a XXXX, it currently has XXXX. My son will have a down payment of {$6000.00} in two months if we can work it on trading for a new truck. I have lifetime income and my son receives XXXX, in the amount of {$650.00} all total income, is {$1500.00} stable income for life. With my son receiving refunds from him attending college the income his hire. But with my son not receiving his money for this month, we ca n't pay the XXXX {$750.00} payment. That is why i agreed to settle with capital one for {$5000.00} to pay off the loan, but with this set back and him having to attend a new college it will be two more months before he gets his money. I am asking capital one not to cancel the agreement, or to trade a new XXXX truck. This has caused me a lot of distress in trying to figure out what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX XXXX XXXX and XXXX XXXX XXXX are continuing to collect on a medical bill that has already been paid. This is also showing on my credit reports.

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 11/22/2017 about Credit card or prepaid card (Store credit card) with TD BANK US HOLDING COMPANY (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I received a letter from XXXX XXXX XXXX ( servicer to TD Bank XXXX, NA XXXX dated XXXX XXXX, XXXX. It is styled like an official letter having to do with my account ( it was not styled as a promotional mailer ). It stated : " We noticed that you have n't used your XXXX Credit Card in a while so we wanted to ley you know that it 's our policy to close accounts that are inactive for a significant period of time. To prevent your account from being closed due to inactivity, you need to make a purchase with the card. '' The letter then went on to detail some current promotions. 

I believe that this letter was a deliberately misleading attempt to induce purchases on the credit card. I do not believe that there is a written " policy '' on activity. I could not find one on the website, it is not part of the credit card agreement and finally, when I called an agent, she was unable to provide me with or direct me to a written policy. Rather, when I asked the purpose of the letter, she explained that instead XXXXt wanted me to know that I should use my XXXX credit card to do my holiday shopping and to take advantage of promotions. 

I believe XXXX / TD Bank is trying to manipulate people in to using this credit card instead of using other forms of payment at XXXX. I come to this conclusion for a number of reasons : I am a card holder in good standing and with excellent credit, my credit card says " Good through XXXX '', I made a purchase within the last 9 months, no other credit cards send me mailings of this nature and I was unable to find a " policy '' of inactivity. But most of all, I believe it is a manipulation because it really worked! I started to think about how and when I could get to a XXXX to make a purchase so that the card would not be taken away from me. But then I started to think more objectively about the situation and decided to investigate. I believe others will be fooled and persuaded into putting purchases on a XXXX card when they would have preferred other methods of payment. 

In conclusion, I do not think XXXXTD Bank should write vague letters about unverifiable " policies '' that govern a credit card that are more likely attempts to mislead and manipulate people in to using their credit.

Company response to consumer: Closed with explanation