milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-04-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Payoff process

Complaint: On XX/XX/XXXX, I contacted American Express to let them know my financial situation had changed and I wanted to close the account and set up a 5 year plan with possibly no interest with automatic deductions from my account. At that time, the CSR told me that they could n't help me with that plan but to call in XX/XX/XXXX. I did, by this time I was 30 days late. I was told they could n't help me then and to call back in 2 weeks. I called in XX/XX/XXXX. I was now 60 days late. I was speaking to someone in a call center in another country where the English was horrible. I thought we had agreed to the 5 year plan at a very low interest rate with them deducting {$200.00} from my account. It was supposed to start in XX/XX/XXXX. I get a letter today from a collection agency that American Express has turned it over to them. I spoke to them and they claimed they could n't help me with a 5 year plan. I called American Express and they wo n't speak to me now. This is total abuse by a large credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Starting in XX/XX/2013, Someone used my name and address to create checks, to a fraudulent checking account. I filed a complaint with FTC ref number XXXX and a police report ( report number XXXX. I looked at my credit report, and found XXXX pages these fraudulent checks on it. I do n't know how to get these off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (I do not know) with Rosen Management Services Inc. (CT).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have received several phone call from a company called ROsen Management Services. I sent them an email stating that I disputed this debt and if the debt was real to send me all the paperwork or bill pertaining to this debt. Also stated from this day forward XXXX/XXXX/2016 at XXXX you are not to contact me or my employer. and then they sent a Vertification of Employment to my Human Resoursed department yesterday at XXXX. I just want this to stop. They have also contacted my Ex husband and told him that I was going to be arrested if I did not take care of this within the hour.

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
Consumer complaint received 04/24/2016 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Settlement process and costs

Complaint: I am first time home buyer. I bought a short sale house from JP Morgan Chase. Seller 's property disclosure document ( Exhibit A ) provided false information. These issues were not found during inspection such as termites, Basement leak, Roof leak and dead trees in the premise. Buyer is interested to know what is recourse for the false disclosure made in the agreement. Buyer spent {$1800.00} for removing the dead trees alone. Buyer expects to compensate the monetary loss incurred by the buyer for fixing the issues. Attached pictures for evidence

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I lost my job last month and I filed a recertification through studentloans.gov for the REPAYE program with my current income of XXXX. Navient illegally withdrew over {$400.00} from my account even though under the REPAYE program I had a {$0.00} payment. It 's impossible to contact Navient. I want my money returned and I want my loan account updated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Payday loan, title loan, or personal loan (Title loan) with JPMORGAN CHASE & CO. (WI).
Issue: Charged fees or interest you didn't expect

Complaint: In  XXXX  my husband and I financed through Chase Bank the purchase of a   XXXX   (  XXXX  )  XXXX . The entire transaction, including the loan application was done through the   XXXX   XXXX  . In  XXXX ,   XXXX   was found guilty of misrepresenting the amount of car emissions in some of its models ( including ours ). A class action lawsuit was filed and as a result  XXXX  gave customers the option of trading in the car for a cash payment. The payment consisted of two parts. One was the payment to Chase Bank to pay off the auto loan. The remaining amount ( after paying off the car ) would be deposited in our bank account. We took this option, and in  XX/XX/XXXX  submitted the paperwork through  XXXX . On  XX/XX/XXXX , we gave in the car at a local dealer and two days later received the money in our account. When I checked the auto loan, however, I noticed that the full amount paid included the principal balance of {$16000.00} and an interest payment of {$1000.00}. Nowhere were we informed that we would have to pay close to {$1000.00} of interest for prepaying the loan. In fact, the  XXXX  dealer informed us that we would simply be paying the principal balance on the account. This seems illegal and possibly even a scam and I would like to alert other customers to this, especially those participating in similar  XXXX  transactions. Because  XXXX  pays the auto loan balance directly, it makes it easier for the interest charge to go unnoticed by individual consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
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 've spoken with  XXXX  by phone and also sent them a certified letter about removing my hard inquiries because some of my inquiries were removed and then reinserted later. Others I 've explained that the inquiries were not authorized by me but they still remained as well. I would like all of these to be removed.     Credit Inquiries   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX   XXXX   XXXX  CO  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    DELAWARE   XXXX   XXXX   XXXX    XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX     XXXX   XXXX   XXXX      XXXX   XXXX   XXXX    XXXX , DE  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  (  XXXX  )  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX      XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  Inquiry Date :  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 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: The credit reporting agencies are negatively impacting our credit scores, if we win a dispute against a credit company. I won a dispute against XXXX XXXX, after it was proven that they cheated & defrauded me. The account shows as Legally Paid in Full. Yet, the credit reporting agencies insist on making ME wear the Scarlet Letter for 7 years! <P/>The credit reporting agencies instructed me to contact the company to ask that they send a correction. XXXX will not help me! I proved them to be cheats & liars! They are laughing at the fact that the credit reporting agencies are helping them to XXXX me, by rubbing salt in my wounds!XXXXIt is not fair, that I fight against someone trying to XXXX me over, I win, I prove them cheats & liars, and my reward? I am forced to carry the dreaded SERIOUS DELINQUENCY on my credit record for 7 years! How is that fair? I was a victim, and now, I am a victim again! For 7 years, I am a deadbeat,  because I refused to allow someone else to cheat me?? <P/>I just finished a call with XXXX. They insist on keeping the bad mark against me, even though they know all the material facts, that I had won a dispute against a company trying to cheat me. They insist on making me pay the price for something I did nothing to deserve. This is just wrong.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Credit bureaus all 3 XXXX, XXXX and Trans Union would not remove Hard Inquiries when asked.

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 05/13/2016 about Consumer Loan (Vehicle loan) with EXETER FINANCE CORP. (OH).
Issue: Managing the loan or lease

Complaint: 2 1/2 years ago I purchased a XXXX Chevy Malibu. 1 month ago the Malibu was rear-ended and totaled out by state farm insurance. At the time of purchase, the XXXX Malibu had XXXX miles on it. I spoke with a rep from Exeter Finance ( my former finance company ) and the rep stated that I still owe {$7100.00}. XXXX XXXX sent Exeter Finance a final payment for the XXXX Chevy Malibu in the amount of XXXX 
At this time I am satisfied with the final payment to Exeter and I feel that I am NO longer obligated to any cost concerning the XXXX Chevy Malibu. 
You can reach me at XXXXXXXXXXXX or via phone XXXX to help resolve this matter. Thanking you in advance XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Debt collection (I do not know) with Partridge Snow & Hahn LLP (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Patridge Snow and Hahn represented a debt that was being claimed for collection by them. They claimed to be XXXX XXXX XXXX XXXX, as their basis for collection, but never offered authentication when asked what executive at XXXX XXXX hired them, if any. 
Patridge Snow and Hahn may be a law firm, but it was XXXX XXXX who threatened me, He reused to provide debt validation to me, XXXX XXXXTheir debt collection abuse was terrible to me and my family.The harassment was /is unbelievable and they claim ownership of the note to my house and will not show any evidence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Fraud or scam

Complaint: Bitcoin and Coinbase in conspiracy with one another to commit schemes to defraud investors into a digital currency investment have committed wire fraud. Coinbase app states " invest your money. '' I invested my money by wiring money into their business account. I have yet to get a settlement of funds verification from their ACH I sent to Coinbase and they never returned my funds by wire and it been over two months and never got my return wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had credit card debt roughly {$3000.00}. My debt had been transferred to XXXX XXXX XXXX ( XXXX ). My debt attorney settled the case for {$400.00}. I have made XXXX installment payments of {$100.00} totaling {$400.00} to account # ... XXXX SYNCHRONY BANK. I was hoping I had resolved this account with my full payment. 
However, the last payment was misapplied to the incorrect account # ... XXXX GE CAPITAL RETAIL BANK, which was another debt with XXXX which I have and contesting. 
Therefore, leaving me at {$300.00} paid, and the other {$100.00} misapplied. 
I 've continuously called, emailed, sent bank documentation providing payments and receipt. I 've also involved my lawyer hoping to resolve the case. Unfortunately, they have not contacted my lawyer back. My lawyer notified me to " file a complaint with The Consumer Financial Protection Bureau. They have previously sanctioned XXXX for bad faith collection conduct. '' Therefore, I am contacting you and can provide more detail at your request.

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 01-09-2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NC).
Issue: Loan servicing, payments, escrow account

Complaint: RoundPoint Mortgage Servicing has repeated " lost '' my home owners insurance policy each year. Each year I resolve this only to have it happen again. This has gone on for 3 years. They are employed by XXXX whom is known for taking on " high risk loans. '' RoundPoint is renown for missing payments, losing payments, losing escrow or insurance payments etc. It seems this would be an excellent way of XXXX companies working together to make predatory investments. By missing payments, losing payments, etc the homeowner would be forced into penalties and payments that they may not be able to make. In my case they clearly laid out their intentions by threatening to move my insurance to a company of their choosing at whatever rate it happened to be after RoundPoint deliberately lost my insurance policy for a 3rd year in a row. A policy that has been with the same company for 6 years and was able to be renewed for the 3 years with the prior loan servicer without any issues or intervention on my part.

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 09/23/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Citimortgage has placed a lien on a property when they did not have a title conveyed to them. They continually harass and trespass. They want to run up legal expenses and costs when they did not have a deed to the property. They are trying to foreclose. They have literally made the title unmarketable. They continually say, get a lawyer. Lawyers cost XXXX dollars and time. A corporation owns the property, Citi did not get title, and they refuse to discuss any settlement or resolutions for their corruption.

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 04/30/2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: I WENT TO MY BANK ATM MACHINE TO WITHDRAW MONEY FROM MY SAVINGS ACCOUNT PER THE POSTED DISPLAY SCREEN ALLOWING ME ONLY XXXX TYPE OF WITHDRAWALS WITHIN THE BANK STATEMENT PERIOD AFTER THAT I COULD BE CHARGED A FEE DO YOU WANT TO CONTINUE QUESTION ( YES or NO ) I PRESSED THE APP FOR YES BUT THE BANK FROZE STOPPED MY CUSTOMER OWN FUNDS WITHDRAW PEOPLE WORKING IN THE BANK AND DO NOT HAVE EXPERIENCE IN BANKING SYSTEM AS POORLY TRAINED I HAVE RIGHTS I AM THE CUSTOMER. THE BANK IS MAKING THIS A PERSONAL ISSUE AND RETALIATING PLEASE REMEMBER I STILL HAVE ALL LEGAL RIGHTS TO PURSUE A CIVIL ACTION IN THE APPROPRIATE COURT OF THE LAW, THANK YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
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: on XXXX XXXX,2017 XXXX XXXX, 2017 XXXX XXXX,2017 XXXX XXXX, 2017 i have sent several disputes with transunion to no avail have they showed me proof of verification of this debt. The only proof sent was it was verified thru lexis. They are not showing proof of how they verified it. They are not showing verifable proof.

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 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This collection is agency is attempting to collect a debt that is not valid nor is it owed. I have spoken to the original creditor ( XXXX ) and I was never notified of this debt nor have I received any correspondence in reference to it. I still have the XXXX account and the monthly balance due is not even equivalent to this so call debt.I have filed disputes with all XXXX credit bureaus and the collection account remains on my reports and is impacting my ability to obtain a mortgage. Neither XXXX nor the collection agency has provided me with any information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Debt collection (I do not know) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XXXX of this year, I received a credit alert that XXXX amounts in the of {$2100.00} and {$42.00} was illegally added to my credit reports in violation of the Fair Debt Collection Practices Act ( FDCPA ) by Enhanced Recovery, LLC ( ERS ). 
I sent a letter requesting validation from the company that this debt was mine, and I had never received correspondence or proof from there company. 
I submitted complaint to CFPB ( Case number : XXXX ) to which ERS responded they would delete the {$2100.00} amount, andthat they could not find a account in my name for {$42.00}, but to supply a reference number or credit report and they will delete from my report. 
Called on XXXX XXXX, 2015 with husband with information concerning the {$42.00} account by their company, and ERS was able to locate the account. I was given a very difficult time to get ERS to delete this account ( as they stated they would to myself and the CFPB ). 
We sought multiple solutions, and with ERS attempting to continue to illegally collect on the supposed {$2100.00}, and now the {$42.00} ; both that was to have been deleted, gave me no choice but to reinstate my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/24/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (CO).
Issue: Settlement process and costs

Complaint: In XX/XX/XXXX our son was involved in a bad accident that let him XXXX. After years of not being able to work full time and issues with paying medical bills and other expenses we finally in XX/XX/XXXX had to declare bankruptcy. It was not what we wanted to do we worked for years to try and avoid it. We own our home and was worried about the Chapter XXXX bankruptcy hurting out lender. Our attorney advised us that we could re-affirm the mortgage no problem due to our situation. After debating a little while we then proceeded so we could start fresh again. We kept calling our attorney who proceeded to tell us that he still has not received the paperwork to re-affirm and that we should call them and let them know so we could get it taken care of. After speaking US Bank they would not give us any info on the re-affirmation due to the bankruptcy. We did understand where they were coming from and asked if our attorney could call and get the information on the paperwork. Neither the bank or our attorney would do anything to help. Our bankruptcy was then finalized in XX/XX/XXXX and we started calling the bank to start the re-affirmation proceed since we thought if might have to be done after the discharge. After going through several people at US Bank, we finally got to a supervisor that said she could help and that there should have been know issues with the re-affirmation and that it should have been taken care of. We asked why and she stated that they dropped the ball and the paperwork should have been sent out for the re-affirmation but, it was not. We then asked what we could do and she said at this point they would have to reopen the bankruptcy to get it done. She stated that it could take up to 6 weeks. She then said that she would call us back within XXXX hrs to let us know how they were going to proceed and help but, we never received a call back. We called back a few days later but, no returned calls. This was the beginning of XX/XX/XXXX and we still have not seen any results. We did send in a letter to US Bank asking that they start sending our statements to us again but, the statements all say the same info every month. We are still behind {$1200.00}. When I went through my bank statements and what has been paid to them in the last 5 months, I show that we are ahead on our payments by about {$100.00}. We are very frustrated and no one from US Bank seems to want to help. We are trying to get back on track and loosing out home is not an option since we not take care of a XXXX son XXXX. We need our home and stated to everyone that we wanted to keep it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation