milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I obtained homeowner 's insurance from XXXX XXXX XXXX. Attached to the policy was a notice that I did not receive the lowest premium possible due to information listed on my credit report. XXXX of the XXXX items listed as factors in my not receiving the lowest premium were incorrect. It included a phone # to call XXXX for information. I called the #. Instead of answering my questions, the XXXX employee read a long-winded script to me XXXX times with every item they use to determine insurance premiums, except, of course, for the credit report premiums increases. Finally, I demanded to know who to contact to get the information about how much my premium increased due to the credit report. She went away and came back with TransUnion as a response. I filed a complaint with TransUnion. Instead of addressing my issues, TransUnion came back with a nonsensical response. If they were agreeing that there were errors on my credit report, they made no offer to correct the secret Insurance Score Report and inform XXXX that I was charged an excessive insurance premium and am due a refund. Bottom line, TransUnion is providing XXXX ( and likely other insurance companies ) with an XXXX Score Report. They refuse to provide this report to consumers and refuse to answer questions about how much insurance premiums are increased based on the report. The report could be totally wrong ( even be for the wrong person ), but there 's no way to dispute it because they keep it secret. FCRA does not specially address Insurance Score Reports, but some safeguard must be in place to prevent TransUnion and XXXX from jacking up insurance premiums based on incorrect information contained in a secret credit report. Of course, they benefit from monetary gains by not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting a short sale for over a month and I still have a foreclosure sale date for XXXX XXXX, 2016

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/22/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian is reporting incorrect facts regarding a Bankruptcy on my credit report. Experian maintains that they " verified that the Bankruptcy is accurate. '' I requested to see Experian 's method of verifying the Bankruptcy per FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) to include : a ) The name of the Courthouse, ( b ) the person 's name they verified the dispute with ( c ) the address ( d ) the telephone number and ( e ) the documentation used to verify the dispute. 
Per FCRA, credit reporting agencies are required to conduct investigations of disputed items with the " furnisher '' of information, not third party sources such as XXXX of XXXX XXXX. 
The Bankruptcy listing must be reported accurately FCRA, Section 609 a ( 2 ).

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 03-09-2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was denied for a loan modification on XX/XX/XXXX due to a Negative NPV test. I really didnt know what this meant so i called Wells Fargo and they informed me that i could request the NPV results by faxing in a letter requesting the information as stated in the letter. I faxed the request on XX/XX/2017. On Thursday, XX/XX/2017 I spoke with a Representative who confirmed the request was received and the NPV results will be faxed over to me and to give them until Monday. On Tuesday XX/XX/2017 I spoke with a Representative, XXXX, who informed me that the request was not submitted and he would escalate this matter to the person assigned to my file and advised i call back within 24 hours. Today XX/XX/2017 when i called Wells Fargo and spoke with XXXX, she stated that they can not provide this information and because they use an outside source. I am now nearing the deadline and i still do not know why i have been denied and no one there will tell me. The only thing they tell me is that it was denied due to a negative NPV. What does that mean??? I am now going to miss the deadline to appeal because i still dont know why i am being denied.

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 04/29/2017 about Student loan (Private student loan) with United Student Aid (USA) Funds (AZ).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: In   XXXX   XXXX   I was initially contacted  by USA Fun  ds and their collection company. I began to be harassed constantly at work, home and was placed on notice from my job because of the constant calls. I informed them that I had just begun the new job and prior to that was homeless and unemployed. They continued to harass me and threatened wage garnishment. I filed a complaint against both companies with CFPB and the Attorney Generals Office. The company responded that I would be given a tempora ry postponement because I had just gained employment. Although this was the response given to the both th e AG 's office a nd CFPB I continued to be harassed by the company and had to submit packets every 4 months showing when I began employment and when I would reach a year.   In   XXXX   XXXX   XXXX   I received notification from both companies again stating that a claim of wage garnishment would be filed with my work. I again continued to be harassed with calls and notifications and I explained that I had no money to pay them. I again filed complaints with the  XXXX  's office and CFPB because they were unwilling to work with me.     On  XX/XX/XXXX  I was notified that I would be allowed to have a wage garnishment hearing and on   XXXX   I received notification that the company could take 0 % in wage withholding because of the hardship it would cause. After the notification was received I began to be harassed again by both companies. They continue to call me on a daily basis and on   XXXX   sent notification that they will be placing a Order for withholdings again!!! It has been less than 3 months since my hearing where it was stated that they could not take wage earnings from me and again they are harassing me and attempting to get an order against me.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I took out 3 wire transfers to withdraw XXXX total ( XXXX each ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from Coinbase.com. Coinbase stated there could be a potential 2 to 3 day delay and was hoping to get the money sooner. 

It 's XX/XX/XXXX and my bank still has no records of ever receiving those funds. Coinbase should never have allowed wire transfers if their operations are so XXXX XXXX XXXX XXXX. 

To make matters worse Coinbase.com no longer offers any support related to wire transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This complaint concerns the XXXX data breach during the summer of 2017, their failure to report theincident in a timely manner, and as of today their failure to make available who data was included in the breach. I followed instructions on Equifaxs web site to determine my status in the breach and received this notice : " Based on the information provided, we believe that your personal information may have been impacted by this incident. 
Click the button below to continue your enrollment in TrustedID Premier. '' This is an unacceptable message telling me that they believe PII may have been impacted by this incident. 

This message is posted on their web site as an update to the problem : " Cybersecurity Incident & Important Consumer Information Consumer Notice FAQs Potential Impact Enroll TrustedID Premier Contact Us A Progress Update for Consumers XXXX XXXX, 2017 We understand that some consumers are experiencing difficulties getting the answers and support they need through our website and call center. Ramping up the website and call center to handle the anticipated volume is ongoing and we are focused on making improvements as quickly as possible. We apologize for any inconvenience this process has created. 

Thus far today, weve made the following adjustments : 1 ). YOU CAN DETERMINE YOUR STATUS IMMEDIATELY Some consumers who visited the website soon after its launch failed to receive confirmation clarifying whether or not they were potentially impacted. That issue is now resolved, and we encourage those consumers to revisit the site to receive a response that clarifies their status. 

2 ). NO WAIVER OF RIGHTS FOR THIS CYBER SECURITY INCIDENT In response to consumer inquiries, we have made it clear that the arbitration clause and class action waiver included in the Equifax and TrustedID Premier terms of use does not apply to this cybersecurity incident. 

3 ). EXPANDED OUR CALL CENTER We have tripled our call center team to over 2000 agents and continue to add agents. 

Our goal is to make this process as convenient and consistent as possible. We will continue to identify steps to improve this process. 

And we will continue as well to listen to your comments and suggestions. '' I still ca n't find out if my data has been stolen. I should never be required to any arbitration rights due to a problem caused by XXXX or any other credit bureau. I do n't have a choice as to whether they have my PII data or not. I should have no fees associated with applying a credit freeze on my account due to Equifaxs errors, or carelessness compromising my PII data.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We refinanced our home through a mortgage broker. It was underwritten by a major institution ( XXXX XXXX ) but immediately sold to Fannie Mae and then to Seneca Mortgage Servicing, within a week. This place is a nightmare ; almost every online comment about them is maximally negative, but because they buy loans consumers have no choice about being stuck with them. 

1 ) They claim to have sent payment information in the mail but we do n't have it. They called my cell while I was at work, but were unwilling to send the information via email - they insisted I call them back. 

2 ) The biggest issue is that their contact number, XXXX XXXX XXXX, has a nonfunctional robot answering it. Regardless what one enters, it just restarts its instructions a couple of times and then hangs up. So I ca n't contact them to get the information I need to pay them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 01/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Interstate LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: cable i never had and they want me to pay for something i didnt do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX XXXX, XXXX. 's ( XXXX ) Attorney XXXX XXXX XXXX ( XXXX ) filed an affidavit in federal court pleadings, exposing my social security number today, along with my DOB and Texas Drivers License Number. I spent {$220.00} with a credit monitoring agency and food to work late on this. I missed my home cooked meal because of this. Is this just the start or does it end here. Anyone can see my social security number in cause no. XXXX on the pacer.gov website. Earlier today before all this happened I had called Capital One and asked to speak with XXXX XXXX who welcomes my questions or concerns and gave me number XXXX. But in reality the people who answer the phone never let you talk to XXXX and they just say you have to call the attorney. So it seems that XXXX is their agent in all the matters before us, in our common law, they are responsible for their agents. So when I call them tomorrow to ask them about their agent, who released all of my sensitive data out for everyone to see, are they going to tell me to call their agent XXXX, or are they going to talk to me? Who gave XXXX my social security number? Who is responsible for the breach?

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I am writing to dispute the following information in my file. The items I dispute also I have the attached copy of the credit report I received. Such as credit account, judgment, etc. ) Is ( inaccurate and incomplete ) I am requesting that the item be remove corrected. 
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XX/XX/XXXX-XX/XX/XXXX credit usage is not being reported correctly. I've tried several times to get this matter corrected by calling the bank and the credit bureaus but no success. Also all three bureaus are reporting different I would like all 3 to be reporting the same. Can someone please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (PA).
Issue: Loan modification,collection,foreclosure

Complaint: this mechanism has been designed to inform you that in 2009 my Mortgage Company was with XXXX in which I had XXXX predatory lenders on my mortgage account with a interest rate of 9.5 percent yes it is very high. XXXX XXXX was brought out by XXXX XXXX XXXX who has continue to still have these predotory lenders on my account with the same high interest rate of 9.5 percent. Under the Obama Administration in 2009 he said that there should not be any predatory lenders on nobody loans. There are also XXXX on my loan in which they were never registered in my county board of records. SPS is now the services for XXXX. I have submitted at least XXXX documents to them for a modification. I need you to look into this matter at your earliest convenience. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: a representive from sallie mae named XXXX called both my wife and mother about a loan and informed him who he was and what he was calling for from number XXXX ext XXXX his ID # was XXXX. he left messages that he was calling about collecting a debt on the loan. my concern is that niether of them were associated in any way with the loan because I was only a cosigner for my daughter 's student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Credit card () with JPMORGAN CHASE & CO. ().
Issue: Billing disputes

Complaint: I have a Chase credit card. My son was an authorized user. On XXXX XXXX I phoned Chase and told the agent I do not want my son to be able to use the card any more. She removed him from the account and told me he would no longer be able to use the card. I asked the agent if he had a different card number than my card, and she said no, that his card and mine were both the same card number. She assured me that he would no longer be able to use the card, even tho we had the same card number. A few days later, he made a {$380.00} charge on the card. I called Chase, and they told me although he was no longer an authorized card holder, his card was still working and that I would have to pay or he could be charged with fraud. I explained it was not fraud, because I had not been able to call him to let him know he was no longer and authorized used, because he had no phone. I protested that it was a Chase agent error, the supervisor said they would review the phone call from XXXX XXXX.. On that day, they changed the card number so that my son can no longer use the card he had. This is what the first agent should have done, they said. 
On XXXX XXXX Chase called me - they had reviewed the phone call from XXXX XXXX, and admitted that I was wrongly told my son would not be able to use his card after he had been removed as an authorized user, and that I should have been told that the card number should have been changed. They would use this opportunity to coach and reprimand the agent, but I was still responsible for the charge. 

I do not feel I should have to pay the {$380.00} charge. The Chase agent made a mistake. The agent should have told me to cancel the card, but she did not and as a result, my son was able to keep using it.They say I have to pay. They want to call it a fraud, but it is not a fraud - my son did not know he had been removed as an authorized user. He had no phone at the time, and he lives in XXXX, while I am in XXXX XXXX, so I had no way of contacting him to let him know he had been removed as an authorized user. 

After many phone calls, they gave me an address and a fax number for their executive office. I will write a letter to them. Please advise what is my legal right in this matter. Who is liable for this {$380.00} charge??? 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX Hospital starting charging my credit card that was stolen a monthly bill. It appeared after I reported my card stolen but still showed up because it was a installment amount. I disputed the charges ... 3 months in a row. All XXXX were removed and deemed unauthorized charges. XXXX was blocked from further charges and did not show proof that the debt was in fact mine. 10 months later they sold the account to a debt collector ; IC Systems XXXX, MN XXXX XXXX Account # XXXX. I contacted this company and provided documents showing that the charges were not authorized and a result of fraudulent activity. They stated that they would close the account. Several months later they reported it to my credit reports illegally.

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 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me in a timely manner and it wasn't until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. They didn't attempt to assist me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late. They even tried withdrawing money from both accounts. Why was I not notified that there was an issue until it was too late? I could at least get an email. Please remove the late payment from the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I am XXXX years old, retired from XXXX after 42 years. My wife and I XXXX for 42 and 39 years, respectively. I COSIGNED FOR MY DAUGHTERS FOR HER FIRST YEAR AT XXXX UNIVERSITY ONLY. Since XX/XX/2001, I have paid back over XXXX dollars with indication that the school received ANY payment. I dutifully paid overXXXXXXXX a month since that time, and received no notification of payment from the college or XXXX/Navient, only harrassing calls and threats. I feel I have been scammed by the school as well as this lender. My wife and I paid for our education loans, why should I have to continue to pay for a FIRST YEAR LOAN ONLY!!!!!

Company response to consumer: Closed with explanation