milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Please help CFPB and take this seriously. I have an unverified account from XXXX 's showing a charge off of {$0.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. This has made it difficult to find traditional work and secure credit. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX 's Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 02/15/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Our daughter was not given the option of a Federal loan which she should have qualified.instead was forced to take a private with us co-sigin the loan. XXXX, also made our daughter retake classes. This university and loan Dept should be looked into. She is now in Debt way over her head, and so are we as co-signers. Please look into our complaint. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I left a business in which I was the Guarantor on several accounts. One account being a Chase Bank credit card. Per legal contract with the business I was leaving they were to remove me as guarantor from all accounts and assume all prior debt and future debt. This was in XX/XX/XXXX. 

In XX/XX/XXXX I found out that they were still using my personal guarantee and had made no attempt to remove me. This was a fraudulent use of my credit. I closed the accounts immediately I hired an attorney and began a law suit which resulted in an out of court settlement agreement. It was too late to fix any credit issues that came up. qn attorney who did not understand that I needed to expedite the process before my credit was trashed. 

I am an account holder with XXXX credit reporting as my FICO Score is normally between 790 and 830 on average. On XX/XX/XXXX my score dropped from XXXX to XXXX ( 200 Points ) and Chase Bank Business credit card services reported two months of missed payments.

I believe I had the right to be notified of any changes prior to my score being changed and notifications of any payments in default. If they sent that to the company I no longer owned of it was not forwarded to me by mail or email. 

Chase had my SS # and could have found my home address at any time. 

Now under the settlement agreement I managed to get the account paid in full within a week but after two months of missing payments by the company. Chase did remove the non payment info but not the business address. However, they only restored 132 points to my FICO credit score making my normally excellent credit score just good.

I noted another address that looks like a typo to my home address. Have to fx that also and was placed on the report by chase.. 
. 
I placed a Fraud alert on my accounts and XXXX used the words military service. I am XXXX years old and have no reason to join the military. I am now forced to explain by letter to correct that. They cant explain or fix it by phone. I guess i many now be in the military under XXXX XXXX. 

MY issue is that my credit was used fraudulently. I have hired a firm called XXXX XXXX to go through my credit reports and have them fixed and have provided all legal documents.. 

The one big no answer that a have received from everyone so far is why cant I get my full FiCO credit points restored. Am I the only one to ask? XXXX said it was a computer-generated decision, so now according to the computer I am not good enough to have excellent credit only good credit.But I can fix that over time they said. I have already spent 32 years keeping excellent credit scores but that does not count. 

So does anyone know how to restore Fico Points removed from an account by fraudulent use. I could sue Chase Bank and waste more money but there should be a way to dispute the point Reduction in cases of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have made several attempts to correct this problem, but it seems my account continues to be reported incorrectly, even after speaking to a person at the corporate offices. I have submitted XXXX other complaints about the same problem in past ensured during the complaints that the account would be reported correctly on all XXXX credit reports but to this date the account has not been reported correctly. After I submitted my last complaint all of my credit files reported correctly besides my XXXX stating that I owed {$890.00} ( The balance was never {$890.00} ). Today, I pulled my credit reports and now they are stating that I owe {$290.00} and status is & gt ; Charged Off & lt ;. I was told when I settled the account, the account would state that it was paid and in good standing. This XXXX account has effected my credit report for over a year due to the companies incorrect reporting 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 10/15/2016 about Debt collection (Credit card) with Army and Air Force Exchange Service (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a charge off from a XXXX Exchange card. The amount of the debt was XXXX. I was garnished XXXX. I paid XXXX in XXXX and {$250.00} every month. With the garnishment and the payments made of to XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}

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 12/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WA).
Issue: Fraud or scam

Complaint: I create a account with coinbase on XXXX/XXXX/XXXX I bought : " XXXX bitcoin '' worth XXXX dollars And i also bought " 2 ''  ethereums worth XXXX dollars And for some reason since the first day they transfer the money from my bank to coinbase account I was not able to sell pr buy more of any virtual currency ... i kept trying and trying and nothing Finally I called them up to this phone number XXXX ( XXXX ) XXXX and talk to them about the problem on tuesday XXXX/XXXX/XXXX They told oh its okay we are going to guide you to the process to make a new account ... and they start " guiding " me to send my funds ( by this time my funds where XXXX dollars for bitcoin funds and XXXX dollars for ethereum ) to my " new '' account and then after i sent my funds where they told me to do so.. they say in a few hours we are gon na send you an email with the link to your new account ... 
I say ok .... 
And like 2 hours later the same guy that helped me ( XXXX XXXX ) called me up from this phone number XXXX XXXX XXXX XXXX XXXX asking me if i received that email ... i said no not yet ... then he said ok you 'll receive it shortly .... 
i called him an hour later asking him about that email, he said just call me tomorrow because our services hours are out ... 
I called him next day asking him about the email he said that he didnt remember me ... start asking my info .. i gave it to him ... and all the sudden he hang up the phone ... i tried to call his number and the line didnt ring at all ... after that i call him on the other phone number ... same guy answers and I say heyy what happened to the other line? He said that line was down .. i said ok well explain to me about my new account ... he said oh my manager will talk to you about it ... i start talking to the manager he said for me to be able to open my account i had to deposit XXXX on my coinbase account .. i said i dont have that money ... he said ok well then you wont be able to recover ypur account until you deposit XXXX and hang up on me .... after that he texted me from this same phone number that i will receive that email in 48 hours .. i havent received any email and i try to call him several times and it seems like they blocked me ....

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: While in XXXX school, I was on educational deferment. During the fall of 2016, I was a full time student at the University of XXXX. Half way through the semester, changed my enrollment status with one of my classes to audit and unbeknownst to me, this changed my enrollment status from full time to part time. Navient was notified of this change in status, however, I was not -- by my school or by Navient, and my loans went in to repayment without my knowing. It was n't until my bill was already past due that I was alerted to the situation. When my loan went into repayment in XX/XX/XXXX {$92.00} in interest was capitalized. Then another {$160.00} was capitalized in XX/XX/XXXX. And another {$11.00} was capitalized in XX/XX/XXXX when I went from educational deferment to Income Based Repayment. All of this was done without Navient every notifying me, or giving me the option to pay the interest before it was capitalized. The actions in this situation on the part of Navient have been, at best, negligent. In addition, I have {$2600.00} in previous capitalized interest, due to lack of proper communication and information delivered to me by my service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Advertising and marketing

Complaint: I was offered a card that had XXXX interest for the first 6 months, I was told by the store merchant that at the end of 6 months I would be charged interest. It was never explained to me that the interest would be compounded. So now I 've noticed that I was charged one lump sum of over {$300.00} in interest plus on going interest at XXXX %. I called to complain and offered to pay the entire bill and they refused to waive the lump sum interest. My issue is the lump sum interest being tacked onto my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/13/2015 about Debt collection (I do not know) with Focus Holding Company (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I have completed a bankruptcy protection in XXXX 2015 and I have paperwork showing that the bankruptcy was approved. I have been getting calls from some company called " Focus Receivables Management ''. I have asked to speak to someone about it but I just get sent to a voicemail for XXXX. No one will tell the what the account is for just mumbling about an attempt to collect a debt. I keep telling them that I have completed a bankruptcy and I still keep getting called to tell me to call them back and I keep getting a voicemail. I am so done with this, I am tired of dealing with ignorant people who do n't know anything about the debt and want me to pay. Not so, I 'm not old and senile to pay anyone who says I owe them something. They need to get band from doing busy in America, this is ridiculous calling me at night and in the morning hours. I do n't owe anyone anything, everything was cleared in bankruptcy. I know if they 're calling me they 're calling other people as well and doing the same thing.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: A late payment that 's more than seven years old

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a notice from XXXX XXXX, XXXX over an over drafter account I had 9 years ago that was charged off by the bank, now they have listed an updated activity date on my credit report thais untrue. the debt is no longer collectable, and was written off by the bank almost a decade ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech apparently increased my mortgage payment by about {$53.00} due to escrow changes. I inadvertently missed that for the XX/XX/XXXX payment and paid the prior amount ( {$1000.00} ) as that is what my automated bank payment had been set up to do. I then sent a second payment for the balance ( {$53.00} ). Despite this they claim that they can not process the {$1000.00} payment and that I now owe a {$44.00} late fee. I 've never been late and this was a simple oversight for a small percent of my monthly payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2016 about Payday loan () with CURO Intermediate Holdings (AZ).
Issue: Payment to acct not credited

Complaint: I went ot court in XX/XX/XXXX for an garnishment hearing on this loan in the court it was staified they did not closeout the garnishment and they This company will not send a close out to my job on this garnishment and they where able to go bavck to courk XX/XX/XXXX to court and win another XXXX from me in court. How is this fair pracices and i still havenot recieved anything from the company saying the garnishment has been statified

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I took out a private student loan in XXXX for about {$9500.00}. I 've been paying this loan back since XXXX and have been paying it back on a monthly basis ( though admittedly there have been some missed payments, but it has n't happened often XXXX. It 's now XXXX and I went online to check my loan balance through Citibank and found that it is over $ 10k and the interest rate is 7.5 %, which I believe is higher than what I originally signed up for. I sent them a message about this, and got a very canned response. I 'm currently paying about {$100.00} per month for this loan, and it was supposed to be a 10 year term. I 'm about 8 years in to this term and I ca n't possibly see how this loan will ever be repaid if the balance is higher than what I originally borrowed.

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 02/18/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My original mortgage company sold our mortgage to a company called Specialized Loan Servicing Company. They are refusing to send us a monthly statement showing what our payment date is, escrow, principal, etc because we filed bankruptcy in 2011. This company has a licence in XXXX, NY for a collection agency with no physical address. They also claimed that there is a investor in our home. I contacted the XXXX and this company has an F rating. We are current and up to date. I do n't know what to do, they will only accept payments from XXXX XXXX or direct access to remove payment from our bank account. We need 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 05/21/2015 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: I filed several times before complaints against " XXXX '', " XXXX '', " XXXX '', " ChexSystems '', because ; 1 ) They refused to send me my " Free Annual Credit Report '' claiming that they ca n't match my personal info, but at the next page of their website they offer me my Credit report for a Fee {$7.00} ; 2 ) They refused to investigate Frivolous items in my Credit Report. Obviously CFPB did n't took any action against them so " XXXX '', " XXXX '', " XXXX '' decided to take a Revenge against me by Re-age on XXXX a XXXX deleted Frivolous item, XXXX XXXX XXXX account # XXXX amount {$9700.00} which reduced my SCORE by XXXX points. Also " ChexSystems '' because they refused to investigate and delete XXXX Frivolous Bank claims ; a ) XXXX XXXX account # XXXX i closed it on XXXX, b ) XXXX account # XXXX i closed it on XXXX, both had XXXX balance at the time of closing them. As a result i ca n't open a new checking account with any Bank. My question to CFPB is why Proven Fraudulent Companies like them are allowed to Terrorize and creating problems to consumers in many different ways with Immunity ; Is it because they are allowed to do business by Bribing Politicians or because Corporations are Governing America???

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Mortgage (Conventional home mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX PHH Mortgage Services XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX, 2018 Regarding : Loan Number XXXX Dear CFPB, The mortgage escrow statement is missing the subject property address. I believe mortgage servicing laws require all mortgage statements have the property address associated with the loan on the statement. 

I received a mortgage escrow statement accompanied by a large check. I called the mortgage company PHH to see if they missed one of my insurance renewal payments. Some of my properties have more than one insurance policy. After three ten minute holds a consumer service rep verified my information. She verified my full name, mailing address, loan number and social security number but then would not verify the property address associated with the loan number and mortgage escrow statement I had received and was calling about. I explained I have more than one loan with PHH and I did not know which property this statement was concerning. Without knowing what property we are talking about we could not have an intelligent conversation about any propertys insurance renewal payments. 

I asked to speak with a supervisor and was told no one was available. I was told a supervisor would call me back within 24 hours. No one has ever called me back. The statement shows last years insurance was {$1300.00} and this year they only expect to pay {$590.00}, you would think that would raise concern. 

So now I am in a position where I do not know if the insurance on one of my properties will be renewed. I will only be able to find out after the policy has lapsed and my insurance company sends me a notice of non-renewal for lack of payment. PHH will possibly leave me in a position of great loss if my property is uninsured. The idea they will not tell me which property they missed the insurance renewal payment on is nothing short of negligence. 

I look forward to your assistance with this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation