milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2016 about Payday loan () with GVA Holdings, LLC (MD).
Issue: Charged fees or interest I didn't expect

Complaint: I saw a XXXX XXXX commercial on television for a payday loan. 

I borrowed {$1500.00} from GreenLine Loans in XXXX 2014 to meet my XXXX XXXX, 2014 Federal Tax extension. I made XXXX payments. The first XXXX were scheduled for {$99.00} each. This was every two weeks. 

On my XXXX scheduled repayment day, I asked to pay off the balance in full. I ended up paying {$2200.00} to settle the debt that was less than 30 days old. They charged me {$750.00} in finance charges and did not disclose that to me when I made the loan. 

My weekly payments were as follows : ( emails from Greenline ) XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

XXXX XXXX Your next payment of XXXX is scheduled to process on XXXX XXXX, 2014 If you have any questions, please call XXXX. 

{$750.00} finance charge for a 30 day loan of {$1500.00}! 

Customer Service Greenline Loans XXXX XXXX. XXXX XXXX XXXX, MT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (FHA mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: I was divorced XXXX 2014. Because of my divorce, I suffered financial hardship. I applied for a loan modification. As part of the loan modification process, I submitted my divorce decree, copy of my quit claim deed, and supporting income to show I qualified for the loan. I was approved for an FHA HAMP Modification Loan with ONLY my signature. The divorce decree stated that I would need to have my ex-husband 's name removed from the loan. I was told by the lender that after the modification was finalized then I could fill out the appropriate paperwork to assume the loan. Now, I am being told by the lender that I do not qualify for the assumption because of my " poor credit with them ''. I have poor credit with them because they told me that I would have to be 3 months behind on my mortgage to qualify. Since that time, I have met all the partial and trial payments that they have requested. I am the ONLY one that is paying this mortgage. If I do not get an assumption, then I will be forced to sell the house ( per court order - which the lender had prior to approval of modification ) or I will be in contempt of court. Since I ca n't sell the house for the amount that I owe, then both the government that secured the modification and myself will end up with a loss. The only one that will benefit is the lender. I am not trying to pass on my hardship/modified terms to someone else. I just want to have my ex-husband 's name removed from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: A few months ago, I called FedLoan Servicing 's customer service line in order to request deference of my existing federal student loans. I received three seperate student loans in XXXX, XXXX, and XXXX, respectively. FedLoan servicing 's CS representative told me that I was in " good standing '', and that my deference had been approved. However, FedLoan claims that this never happened, and they listed my loan as " delinquent '', sending it to the Department of Education. When I called FedLoan to resolve this, they repeatedly denied any responsibility, and told me " we can not help you any more, your loan has been transferred ''. The customer service for FedLoan was uphelpful and abyssmal, rude, consistently wasted my time, and treated me in a very callous and uncaring way, and the FedLoan supervisor did nothing to alleviate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Debt collection (I do not know) with I.C. System, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was XXXX years of age my mother and cousin used my name to apply for XXXX a a kiosk, they did n't pay for the service and I returned the boxes after service was disconnected after I was charged

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On my equifax account there is an address reported that 's not mine I 've never lived there ... Also when I people search my name someone else 's info appears along with mine ... Here is the address that appears ... XXXX XXXX XXXX XXXX XXXX, MO XXXX ... it 's the address of a XXXX XXXX aka XXXX XXXX and XXXX XXXX .... My 1st married name was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have been trying to place a security freeze through Equifax 's security breach site. After entering the required information and submitting the request, all I got was a page stating " System Currently Unavailable - 500 Error ''. The last time I tried, it seemed the request might have gone through but then another error page came up. As of Friday afternoon, XXXX XXXX, whenever I try to submit the freeze request I am presented with a page titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze ''. It appears that the freeze was placed, however I was never offered and have not received a PIN. 

Per Equifax 's own site at www.equifaxsecurity2017.com : " Equifax does not currently email or mail the individual 10-digit PIN to consumers. It is available on the screen, and the consumer is asked to print the PIN from the screen. Our technology team is aware of some limited situations in which consumers are unable to view their PINs. We have identified that this is caused by their browser settings. We are working on a fix for this issue. In the meantime, we are displaying a phone number that consumers may call to receive a PIN. '' Unfortunately I can find no such phone number and when I called the dedicated number set up for this breach the Equifax employee had neither knowledge of the PIN problem nor any suggestions as to a solution. There appears to be no way of getting a PIN short of sending a written request and paying a fee for a new one. XXXX and XXXX had no difficulties in providing me with a PIN despite my browser settings. 

Additionally, when I check my account at Equifax I can find nothing to indicate whether a security freeze is in place, where I might get my PIN, or indeed much of anything beyond links to for-pay services that Equifax is trying to flog.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: A massive security breach was exploited on Equifax data affecting 143 million people. Executives of the company sold their shares before releasing the information about the hack, 3 months later. I am beyond furious that my information can be so clumsily kept and stolen by a company with this much responsibility in one 's own finances. And yes, I am one of the 143 million affected.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2018 about Debt collection (Other debt) with Amsher Collection Services, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Amsher Collection Servicrs Inc. placed a debt on my credit without sending me any prior notification of my right to dispute this debt as required by law. I have no knowledge of this account and this debt is not owed. I don't have a contract with XXXX or Amsher Collection Services Inc. I disputed this debt with XXXX  and it was removed then place on my XXXX and XXXX credit report again without my knowledge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: For years now , Navient k ept sending me bills that did not comport with what the representative ( usually not in this country ) was telling me over the phone when I called to ask why no amount was listed as due. The prior calls with other representatives gave contradictory information and I was told that I would received explanatory information in the mail. Nothing would ever come. As a person with a more-than full time job, I could not spend hours on the phone with representatives unable to clearly explain why interest, principal amounts and fees were being allocated in the manner that they were and then I would receive a bill that did not reflect what the representative told  me two w eeks or a month prior.   I inevitably got behind trusting that the representative was correct which then turned into additional fees, interests on top of capitalized interest and added to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I Have wire transferred a sum of {$30000.00} USD to Coinbase via the wire instructions listed to purchase additional vitrual currencies. I have used them in the past but this was the first time sending a larger sum of money. My funds have not appeared for since XXXX XXXX 2018, which was the date of the transfer. My bank has confirmed the funds were indeed sent, the deposit bank acknowledged the funds have been recieved but it is up to Coinbase to settle the issue. Ive submitted a request a few days after with no response excpet that they will review. It has been a full week with no contact from coinbase.com or any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been having problems with this company called Enhanced Recovery LLC collection agency. They have been continuing a collection on my account for awhile even after I have explained to them I do not owe this account. I have asked them to give documentation with my signature proving that I am the owner of this account, they refuse to. I have been dealing with this company for awhile and want them to remove this inaccurate information as it is hurting my character and credibility. This company can not send me the original contract proving this debt to be mine. I want them to remove this inaccurate collection off of my credit report immediately.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with NRA Group, LLC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The National Recovery Agency has repeated called me. The company refused to leave messages and hangs up on me when I ask why they are calling. They are asking for confirmation of personal and sensitive information over the phone. They are rude and refuse to provide any information about why they continue to call me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 03/30/2016 about Money transfers (International money transfer) with RIA FINANCIAL (NJ).
Issue: Money was not available when promised

Complaint: I send XXXX dollars to XXXX to my brother-in-law in his bank account ( XXXX XXXX ) on XXXX/XXXX/2016 but money is still not deposited into account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My complaint is with XXXX XXXX service. I was under contract with them to pay {$120.00} per month for bundled service ( TV, internet, phone ) through XXXX/XXXX/15. This past XXXX, XXXX changed their billing system and, because of a " glitch '' in the new system, I began to be charged {$210.00} per month. I have made repeated attempts to resolve this issue by phone ( over XXXX hours on the phone ) and in person but have not been able to get it resolved. I grew so frustrated that I cancelled the service and tried to calculate what I thought I should pay. I forgot that the monthly bill is paid in advance so I actually have overpaid XXXX by more than {$100.00}. However, because of the billing system problem, XXXX continues to send me a bill for {$25.00} and just sent this amount to a collection agency. I have continued to call XXXX to resolve this issue ( ticket # is XXXX ) and been told several times that a supervisor will fix the issue and/or call me but none of their promises have been kept. Meanwhile, my credit will be affected by this since the bill is now in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have tried several methods of communication with the Credit Bureau Equifax to have them delete several of the inquiries on my report. I did not authorize them at all and when I called them last I explained my situation and they stated that all inquiries are factual without havin to investigate them it 's there policy. The inquiries are hurting my chances of possibly applying for a house or better vehicle. They state that inquiries do n't determine credit offer but all my denials have too many inquiries with in the last two years. I have send a dispute with they mail and their website and still no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XXXX XXXX XXXX Coinbase closed my personal and business accounts with them. While my business account had a zero balance, my personal account had a balance of XXXX. I followed the on-screen instructions to have these funds returned to my bank account but after submitting the form their website displays the following error message : 'Subtotal ca n't be blank. Subtotal is not a number. Total ca n't be blank. Btc ca n't be blank. Payment method ca n't be blank '. I emailed the company on XXXX XXXX XXXX and received a reply on XXXX XXXX XXXX stating they would investigate. All further emails have resulted in a template reply or no response at all. Their site is still broken and I still can not retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Billing disputes

Complaint: I contacted Capital One to file a dispute on a charge that showed on my account. They asked me to send in all info supporting my claim and get it to them by XXXX XXXX. I received a letter dated XXXX XXXX that my claim was declined. I firmly believe that Capital One never investigated my case as they should have. I sent in all the correspondence showing that I cancelled. I sent them the company cancellation policy. Even after this, the Manager I spoke with was bold enough to ask me for a copy of the cancelation I gave to cancel the service. I sent them the email proof that my registration was not completed which was the first reason why i should not have being charged. Capital One did not fulfill their advertised {$0.00} fraud liability which was my biggest reason for confidently using the card at all times. They were professionally inept

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Payday loan) with Enova International, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I have been getting threatening and harrassing calls from this company, XXXX, and a lady keeps leaving voicemails telling me that she is an Investigator from the State of Va, and that there is a very serious legal matter pending with me, and there are XXXX counts of Financial Fraud that I am being charged with. She also said she was sending authorities to my house or any other address they have on file for me. She has also left messages on my son 's answering machine, my sister 's, my brother in law 's answering machine and talked to my other brother in law who lives in another state and told them the exact same thing. That I am being charged with Finiancial Fraud and she is a a Fraud Investigator with the State of Va, and that I may have a warrent for my arrest. My family has called me in a panic. I called the number back that she left with a " docket number '' she referenced and I reached a man named XXXX XXXX. When I asked him the name of the company that he works for, he said XXXX Legal, he said they are a law firm. When I looked them up, it was a collection agency called XXXX. I requested that no one else from this company contact me or my family. I also asked for the company address and fax number so that I can put that request in writting. He said they do not have a fax #. I have looked this company up and they have some very scary and threatening tactics they use, such as harrassing your neighbors and family, continual calls at home and work, and even coming to your home. I am a single parent with small children, and I am just afraid someone is going to come to my home in order to intimidate me, because the lady said on my answering machine that they will go to my address. This debt they are trying to collect is in dispute with the cmpany and has been for a while. I know that there are legal ways to conduct business, and this is not one of them, this is threatening and harrassing.

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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a Bank of America account listed XXXX which was an auto loan the car was totaled out and I was told do not do anything as the account is frozen until the insurance company reports back to BOA which I did what I was told to, the auto loan was paid off but after pulling my credit report now this paid off account is reporting a 60 days late which is NOT accurate. I need some help here I care about my credit rating and this is very hard to handle as I do not pay my bills late.

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 12/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My credit report is showing the name XXXX XXXX XXXX and that is either my brother or my father, as my father is a XXXX and my brother is a XXXX so their names should not be reflected on 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 non-monetary relief
Consumer complaint received 06-12-2017 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In  XXXX  of  XXXX  I got home from work and my locks were changed. I was unable to get into an apartment I was renting from The  XXXX  located in  XXXX   XXXX , MD. I had to wait until Monday to speak with the property manager. On Monday I spoke with the property  manager  in person and he was not aware that the financial accountant  manager  had changed my locks stating that I had skipped my lease. I in fact did not skip my lease and had already made  XXXX  the leasing manage aware that I was moving out and not renewing my lease. My lease was not up until the following month. The property  manager   XXXX  told the maintenance  manager that they just had to  XXXX  up the fees and let me back into the apartment. I asked them to place it in writing that I would not be charged and he would not do so stating he had to wait for the attorney to see if I was on the list for eviction. I was not on the list. A year later I received on my credit report a collection for {$6900.00}. These fees included carpet repair, cleaning of the unit, rent for  two  months due to skipping the lease. I never was given access to the unit to move any of my belongings and never was given copies of the new set of keys once the locks were changed. Never given a chance to properly clean the unit. I was still a tenant and the locks were illegally changed. I have not been able to get any information from  XXXX  Apartments due to change of ownership. I have contacted the  Property Manager  numerous times and he states that the records will have to be pulled from the basement. I called in  XXXX  he asked for 30 days. Every since still no answer from the corporate office or the  XXXX  office

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