milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I have been trying to sign up for Equifax 's Trusted ID Premier credit monitoring service since XX/XX/XXXX and have had no success. I first emailed customer support on XX/XX/XXXX because I received an email stating that there was a problem activating the Equifax credit monitoring service and to email 'XXXX ' for assistance. I emailed them on XX/XX/XXXX and never heard anything back, so I emailed again on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that they had no record of my registration with Trusted ID. I re-registered on XX/XX/XXXX and got an email back stating that I could now activate TID Premiere. I have tried since that time probably a total of 20 times to active this service and have received an error message back stating " system is unavailable, please try again soon ''. I called customer service at XXXX today XX/XX/XXXX and was told that there was no record of my registration by either of my phone numbers and I needed to register for the 4th time. I re-registered again just now and received an email that I could now activate the service. Which I then got the same " system is unavailable, please try again soon ''. I have a hard time believing that this is anything other than a deliberate attempt by Equifax to keep from having to provide the service that it stated it would.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I had a personal and business checking account with US Bank back in 2013. I switched to a credit union and thought I had closed all my US Bank accounts. I had transferred last {$30.00} out of the business and put in personal since I rarely used the business. Unbeknownst to me, an automatic debit came out of the business account for {$21.00} from XXXX a month or so after I thought I closed it. I was never notified by USBank of overdraft. They proceeded to charge initial {$36.00} overdraft fee and {$25.00} overdraft on a weekly basis for 6 more weeks and then closed the account with another {$30.00} charge. This {$21.00} overdraft then turned into {$230.00}. I had not moved or changed address, phone or email, but never received notice of this overdraft and fees. Given it was closed quickly after it occurred and they wrote it off, it just sat on my record until I finally went to open a new checking account when I recently moved. I worked and banked XXXX since that overdraft occurred. I attempted to resolve with US Bank, but was advised to go to XXXX which sent me a report but now referred me here. I am not disputing the initial overdraft and perhaps the initial fee, but a few hundred dollars of fees piled on in six weeks without attempts to reach me are bit rediculous. I am not sure how to proceed at this point. I am not stuck with getting a special restricted bank account because of this item on my XXXX report which does not tell the whole story. I can not seem to get any help with US Bank to resolve since it is now written off. I would like to negotiate a lower amount to resolve it, but can not seem to get anyone to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On   XXXX     I contacted  XXXX   XXXX  in  XXXX  Florida inquiring about a vehicle. I was told to submit my information into their website for pre-approval  WITHOUT  a hard inquiry. No impact on my credit score. I called and confirmed this several times with the sales person, the pre-approval was soft inquiry with no impact on my credit score. The next day I received an alert that a hard inquiry had hit my Equifax report. Upon checking, it was  XXXX   XXXX . I contacted the dealership and was told that they were mistaken about the inquiry and I asked them to remove it.They said they would look into it and get back to me. After a few days with no response or removal, I again contacted them and I was told that they did not have the ability to remove the inquiry. I disputed it with Equifax only to have the dispute closed within  XXXX  hours stating the inquiry was validated as accurate. I contacted Equifax and they told me that only the dealership can remove the inquiry meaning the dealership lied to me both about the inquiry in the first place, but also that they ca n't remove it.     I did NOT authorize this hard inquiry and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Harassment ( multiple calls and emails nearly every day ), unwillingness to give me an affordable monthly payment ( $ XXXXa month is well over 50 % of my income ), I was told that if I payed less, they would n't accept it, Demanded that I pay XXXX of dollars before they would renegotiate my monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: XXXX XXXX attempted to deposit a settlement check related to a legal complaint against a local company in the amount of {$2500.00} on or around XX/XX/18. Since that time, her account has been frozen and Chase Bank has accused her of fraud. Chase Bank staff were given copies of the attached letter from the Office of the Indiana Attorney General regarding the settlement check and still have refused to re-open her account. This has caused her damage, including hampering her ability to buy groceries and pay her bills. When I contacted the attorney who authorized the check on behalf of his client, he indicated that on XX/XX/18 he was contacted by Chase Bank regarding the check and related to them that it was authorized. Yet the account remains frozen without clear direction from Chase Bank as to why this has happened and why they are not allowing her access to her account - even after confirming that the check was authorized. It does not at all explain why the entire account was frozen instead of simply disallowing withdrawal against the check until it was investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: I have an eBay gift card with a significant balance still on it. Whenever you use an eBay gift card for the first time, it is tied to a PayPal account and can not be used with another account. However, a couple weeks ago PayPal closed my account and will not give me a reason for closing the account. They will not let me reopen the account even though I have done nothing wrong or illegal. This also means I can not use the remaining balance of my gift card. I have attempted to contact both eBay and PayPal, but both give me the runaround on whose fault it is. An eBay supervisor did point out though that PayPal should be the one taking care of this issue since the cards are linked and processed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I sold the crypto currency LTC on Coinbase on XX/XX/XXXX. They sent me a notification that the money would be in my checking account on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received any payment. Reference code XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Medical) with Overton, Russell, Doerr and Donovan, LLP (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have a high deductible insurance plan just like a lot of other people do. In XXXX of this year I was sent to XXXX hospital for a study ordered by my doctor. when I received the invoice it was over XXXX in which a was making regular monthly payments as I could. when I received the last invoice it was at a XXXX balance in which they stated they wanted it paid in full. I sent them a payment in which I could afford that week as I have been since XXXX they cashed the check and sent the balance of XXXX to collections. Now this is not the XXXX time I have had problems with XXXX hospital billing, they have sent me to collections for duplicate billings in which have been paid, their billing practices need to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I requested Validation for a Bankruptcy that isn't mine, XXXX was verifying it was verified I contacted the court was told they don't have or provide any information to the credit bureaus, I was notified this was removed by my credit monitoring the inaccurate bankruptcy was removed between XX/XX/18-XX/XX/18 & without notice from XXXX was placed right back on the same day with no notification or reason why? this is a violation of the FDCPA & FCRA I am requesting this removed immediately or my next recourse will be legal assistance, This information isn't accurate.

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 09/18/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Dear Sir/Madam, I am writing to request you open an investigation surrounding what I believe are unfair, improper and perhaps even illegal practices engaged in by equifaxIn XXXX of XXXX I suffered a significant financial blow when a business I owned failed, which ultimately necessitated a bankruptcy filing in XXXX of XXXX. 

I had several accounts with XXXX XXXX, all of which were in good standing until XXXX XXXX. Up till that point, I had never had any inaccurate credit reporting, or felt poorly treated by XXXX, and in fact had a stellar reputation with them and a very good credit rating overall. 

In XXXX of XXXX, XXXX was notified, as were all of my creditors, as to the Bankruptcy proceedings. At that time the accounts mentioned should have been reported to credit bureaus as " closed ''. 

Further, XXXX has repeatedly, and with what seems to be malice and purpose, incorrectly reported the disposition of my accounts to The Credit Bureaus. I have tried to resolve this by opening over XXXX investigations with each credit bureau, sending supporting documentation including bankruptcy orders, discharge orders, etc. to the credit bureaus, sending the same documentation to XXXX as well as having my attorney contact XXXX. Ultimately this has yielded " XXXX '' results, and the Credit Bureaus, despite my submission of supporting and explicit documentation, claims XXXX has verified the reporting. It is my belief this constitutes a willful and purposeful intent to harm me as a consumer, and is a violation, at the very least of the FCRA, but may consist of even more severe violation of other laws and/or regulations. 

XXXX has consistently incorrectly reported account on all XXXX of my reports in this way and despite supporting documentation to the contrary, the credit bureaus continue to incorrectly report it : '' XXXX '' accounts showing them XXXX, thus severely damaging my credit rebuildingHas reported accounts as being enrolled in a " wage earner program '', which has never been the case, and has damaged my credit worthiness. 

Is reporting most accounts as closed XXXX XXXX, even though they should show closed in XXXX of XXXX, which is severely damaging my credit rating. 

Has/Is reporting accounts as " open and late ''. 

the credit bureaus refuse to revise these inaccuracies, and seem only willing to list what XXXX tells them, despite my myriad documentation to the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Mortgage (Other type of mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: LOAN  #  XXXX   LOAN  MODIFICATION WITH  OCWEN  

ON  XX/XX/XXXX  WE  REQUEST  A  BASIC  LOAN  MODIFICATION  FROM  OCWEN  LOAN SERVICING  www.ocwen.com  TOLL  FREE  XXXX   AFTER  6  MONTHS  WAITING  THEY  OFFER THE  NEW  PAYMENT  PLAN  BUT  THEY CHARGE  US  OVER  USD  9000  AD  TO  THE  PRINCIPAL  WITH  OUT  ANY  INFORMATION  OR COST  DETAIL    MY  HUSBAND XXXX XXXX  NEVER  AGREE WITH  THE  USD  XXXX BUT  TO  AVOID  MORE  CREDIT DAMAGE AND DELATE  THE  PAYMENT WE  SIGN A  TEMPORARY  AGREEMENT WITH OUT A  LAW FIRM  AND  WITH  OUT  NOTARY  - ON  XX/XX/XXXX  OCWEN  SUPPOST  TO  GIVE  THE  INFORMATION AND  AFTER  2  MONTHS WAITING  STILL  WE  DO NOT  HAVE ANY INFORMATION    ALSO  EVERY  MONTH  THE CHARGE  US  USD XXXX  ESCROW  FOR  XX/XX/XXXX .  
ALSO  OCWEN  REFUSE  TO  PROVIDE  THE  XX/XX/XXXX PAYMENT  REPORT  FROM  US    WE  DO  NOT  KNOW  HOW  MUCH  WE  PAY FOR  PRINCIPAL  YET    . OUR  LOAN  BALANCE  ON XX/XX/XXXX  WAS  USD  XXXX  AND  NOW  IS  OVER  USD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Other type of mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (GA).
Issue: Struggling to pay mortgage

Complaint: I filed all paperwork to support my situation to the Loss Mitigation Department and they are stating I do not qualify for a modification. I lost my job in XXXX and was unemployed for almost 3 mths. I started the process of the application in XXXX and on XXXX XXXX, 2017 is when I was notified that they could n't help me. I 've had my home for 2 1/2 years payments always on time. My salary is lower. I do live in my house and wish to keep it just need help staying in my home. They seem to be unwilling to help. I 've asked about any other options and they stated unfortunately there 's nothing they can do. Please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Discussed the information with Transunion that XXXX charged off in XX/XX/XXXX, now a new charge off is on my account stating the account was closed in XX/XX/XXXX. I 've never been notified about this bill being reinstated..the debt was not reporting on my credit 5 years ago, or even 2 years ago. It 's already affected my credit in XX/XX/XXXX for seven years, I 've been turned down credit recently, and now I 'm being given additional negative reporting against my credit beyond the original 7. I was XXXX when my debts accumulated. Trying to recover my credit and get back on my feet. Disputed with Transunion and a non- English speaking individual told me that my credit report that was disputed looked correct. Even after saying the debt is more than 7 years old. First charge off was XX/XX/XXXX, this charge off is XX/XX/XXXX, no other collection company is listed. No bills or collection companies have notified me. Why do they get to put this back on my credit after being on there for 12 years ago? And yet the XXXX guy said it appears to look correct? What? The last guy I spoke with asked me to show proof of the first charge off..?? Until I mention if he notice the last payment was on XX/XX/XXXX. What kind of company waits 12 years to charge off a second time? Not just once in XX/XX/XXXX but again in XX/XX/XXXX. 

This was my third dispute. One online, two on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Our adjustable mortgage has become unaffordable for us. 
1. Because we lost significant employment in 2014. 
2. One of us has just retired, the other is semi-retired. 
3. We asked our mortgage company for a mortgage modification and they refused. 
4. We listed the house for short sale, and the mortgage company continues to refuse the offers. 
5. Now we 've learned that they 've put this house up for auction, claiming that we consented to that. However, we never knew that we did. We believe that " consent '' was hidden the short sale agreement deceptively. 
6. We have stopped making our house payments effective XX/XX/XXXX as a result of all this. However, we want to stay in the house. 
7. We have called the mortgage company repeatedly asking to speak to someone about renegotiating our mortgage, but they never call back. 
8. They have revised their Website. We can no longer log on to our account or obtain any of the correspondence we had posted with them there.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Student loan (Federal student loan servicing) with ACS Education Services (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I 've been trying to submit at economic hardship deferment since XX/XX/XXXX and have sent them via email my paperwork including pay stubs. I gey a receipt that they 've received it but when I call they have no record of it. I 've also usually made my payments using my debit visa ans apparently that 's changed because 2 payments ( with interest added of course ) were rejected and I was told over the phone I have to use my routing and account numbers. XXXX is an awful customer service rep. She set up a second deferment/forbearance request but could n't or did n't access my pay stubs and now my loan is in default. If there 's a way to consolidate my XXXX loans into XXXX with another company I 'd be willing to pay a higher interest rate because ACS is a TERRIBLE company to deal with and their people either do n't care or are n't trained well or both.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Bankruptcy

Complaint: Chapter XXXX was discharged in 2012. I did start to build my credit again. XXXX XXXX has just increased my limit from {$300.00} too {$500.00}. XXXX gave me {$700.00} which I never used, so then they dropped it to {$500.00}. XXXX XXXX XXXX gave me a XXXX XXXX, and XXXX gave me a {$2000.00} MC. While checking my score XXXX on XXXX XXXX I notice it had dropped XXXX points because I had used too much of available credit. 
XXXX XXXX recommended I apply to Chase Slate because it was a good chance I would be approved for a debt consolidation card at a lower interest rate. 
I applied and they denied my application in a letter stated " Your credit report reflects a bankruptcy '' NO OTHER REASON. 
I thought after one files Chapter XXXX they are a good risk as there can not be another discharge for 7 years. 
I believe that this is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (GA).
Issue: Problems caused by my funds being low

Complaint: I bank with Regions bank. I overdrew my account by {$26.00} purposely to get gas to go to work until payday on XXXX. XXXX. I expected this. On XXXX XXXX I checked my account on the regions bank mobile app it was negative {$210.00}. I was enraged. I immediately called the bank. The CSRs brushed the situation off saying there was nothing they could do. I had to get out of my character just to talk to a manager. He was also rude accused me of lying and opting in to overdraft coverage to take money when I did n't have it. I exploded, I was insulted I have been with this bank for at least XXXX years and never felt so disrespected. He finally agreed to refund {$100.00} of the fees and said he would notate the account so they would not credit the rest of my fees. I told him I would be in contact with my lawyer and hung up the phone. They rearrange transactions to take money from their customers. All of the dates on my transactions changed to reflect negatively and overdraft my account. This is flat out robbery!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with 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. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On my transunion credit report it doesn't show my XXXX limit as XXXX $ but it instead it shows my old limit. i have a XXXX and XXXX XXXX credit card which i cant see on my 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 12-02-2017 about Vehicle loan or lease (Loan) with Dealer Funding, LLC (PA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XXXX, purchased an XXXX XXXX from XXXX XXXX XXXX located XXXX XXXX XXXX, XXXX, PA XXXX. Put a down payment of {$5500.00}, and financed {$14000.00} with Dealer Funding located XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My monthly payments were {$370.00}. On or about XXXX, called Dealer Funding to make loan payment, and was advised by Dealer Funding associate that Dealer Funding can not accept my monthly payment. Dealer Funding associate advised me that Dealer Funding were not licensed in Pennsylvania to issued auto loans, and my auto loan has been transferred to XXXX XXXX XXXX. Requested an full refund, and my account to be a XXXX balance from the associate and advised her Dealer Funding committed loan fraud by providing auto loan to me without being licensed in Pennsylvania. Dealer Funding associate advised me there is not that can be done.

Company response to consumer: Untimely response