milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went chapter XXXX bankruptcy and was fully discharged in 2014. I monitor my credit reports weekly and I notice that XXXX who was included in the Bankruptcy continues to contact the reporting agency 's each month reminding them that I was Bankrupt in 2014. It causes a red flag as my credit card recently alerted me when applying for credit. XXXX is the only creditor who does this and I believe they are allowed to continue to remind the agency 's since the case was discharged fully in XXXX 2014. I will attach a copy taken from my Transunion Credit 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 08/22/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CITIBANK, N.A. (CA).
Issue: Problem when making payments

Complaint: I made a payment to Citibank in the amount of {$400.00} on XX/XX/XXXX through my bank. Citi is claiming they did not receive {$400.00} instead they are claiming they received {$74.00} on XX/XX/XXXX, which I did not make. I contacted my bank and they confirmed that a payment of {$400.00} was sent to Citi and a payment of {$74.00} was never made. I spoke to 7 different representatives at Citi each telling me that I did not make the {$400.00} payment. Each time they said they could not help me and transferred me to someone new only to be hung up on and placed and left on hold. No one seems to want to help me resolve this. I cant even go online to get a copy of my statement or history so I can ensure that I am being charged correctly. I received a letter stating my account is delinquent but I ca n't get any one to help me resolve this to put my account back in good standing. I do n't want to make any payments to them if they are not recording them correctly.

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 02/17/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Attended a school named XXXX XXXX. The school took a loan from Navient. I left XXXX after attending a few months. The school closed and became XXXX College. XXXX College closed and became XXXX College. However, it 's impossible to locate the transcripts from XXXX because it closed. It 's impossible to show proof that I attended that school. Thus, proving that the school is a scam school, which works with companies like Navient in order for both Navient and the school to take away money from the student. In other words, the school disappears, but Navient still demands payments. Money that they should n't have taken from a scam school, but still took. Navient now expects me to pay {$21000.00} for only attending a few months. Money that I should n't pay because it was all a scam. This money should be paid by the scam school.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I had transfer a fund through XXXX XXXX in the amount of {$2500.00} to Coinbase, Inc Account from my XXXX  XXXX XXXX checking Account on XX/XX/2017. It says the fund would be available the next day, since I made the transaction after XXXX XXXX, but it has been 3 days and the fund is still not been available in my account. I tried to contact their customer support but they do not respond with the status of my transfer. All they send is an email saying the following : " Thank you for submitting your request. We have received your request and are working on responding to you as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
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 disputed several accounts on my credit report, all of which I beleive are fraudulent. I have asked for written proof, and not just a statement showing that I owe this money. I have not received any doucmentation. To add insult to injury my credit score keeps going lower and lower.

I filed a complaint with the CFPB regarding all these accounts and one was removed and closed, and the other two were stated as valid. Agian WITH NO PROOF! How do I get this corrected since I firmly state that I do not owe, and no one will provide written proof, but keep saying I owe. I need the CFBP to correct this issue!

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MO).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: After seven years of providing full-time care for my mom, she was placed in a XXXX  XXXX under fraudulent guardianship that court and medical records documentation provide conclusive evidence of benefit exploitation by the XXXX  XXXX as well as other parties involved. The XXXX XXXX negligence and subsequent greed resulted in my mom being XXXX that cost her XXXX in XX/XX/XXXX. 

As I hadnt worked since XX/XX/XXXX to provide full-time care to my mom, I wasnt able to work even part-time due to health concerns that resulted from very sporadic symptoms of XXXX that were not detected early on. 

What Id earned from when I was employed went toward expenses that my mom and I had split evenly. 

The incidents surrounding the guardianship were such that I was emotionally shaken as I did not know that guardianship fraud even existed until after it happened. I was literally traumatized without recognizing it at the time as a local hospital suddenly took my mom into their custody without my knowledge or consent ( POA was superseded by them ) and without explanation as to why or proper cause. Her medical records who two false diagnoses, one that was used to get her into hospital custody, the other to keep her there... her recent medical tests prove both diagnoses as false. 

I contacted Citi Cards shortly after my mom was placed in the XXXX XXXX to let them know that I was not able to make my designated payments and why. 

They offered to close my account and lower my payments to {$76.00} per month that I was able to pay without issue at the time as I was receiving regular financial assistance by my moms brother who I didnt realize until decades later finagled my grandfather/their father into literally handing over the majority of his estate to my uncle, resulting in my mom getting the least of the XXXX children ( her other brother got an entire bank account and sent her an undisclosed percentage of savings bonds from that account seven years after my grandfathers XXXX ). 

When my uncle, without explanation decreased the payments via savings bonds from bi-monthly to tri-monthly, I was only receiving $ XXXX/mo. and still reporting detailed accounts of the guardianship to both state and federal factions pertinent to it.

When I called Citi Cards and explained that my financial hardship difficulties, without telling me they put my account into collections status, first raising the payments to $ XXXX/mo. then more recently to $ XXXX/mo. without my knowing that the account had been put into collections and ruining my previously clean credit rating.

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 10/19/2015 about Bank account or service (Checking account) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: My paypal account was closed and I am still waiting to receive my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Payday loan () with LDF Holdings, LLC (MI).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed XXXX and this company want {$4000.00} back I blocked them out of my account and so far have paid them almost {$800.00} in addition they are charging an additional 200 % making it impossible to pay them off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit card () with Glasser and Glasser, PLC (VA).
Issue: Customer service / Customer relations

Complaint: I have a judgement from XXXX XXXX entered 2008 and just received a garnishment letter to my company from Glasser and Glasser in XXXX saying I owe over {$3500.00} from a hearing XX/XX/2016. They have now starting garnishing my check. The address they show is incorrect and I was never been served by either XXXX XXXX or Glasser and Glasser ; and second, this debt is over 7 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been calling numerous times ( about once every couple of weeks for the past 6 months ) to have FedLoan Servicing fill out a voucher and send back the voucher mailed to them by XXXX so that my XXXX XXXX Award can be sent to pay my student loan. It has now been one year since the request was first sent to FedLoan Servicing by XXXX, and I have not been able to get FedLoan Servicing to send the appropriate completed voucher to XXXX to get my student loan payment made by XXXX. XXXX said today they now had to cancel my award since there has not been any action on the account within the past 90 days. This is a loss of {$450.00} that FedLoan Servicing has caused as they have continued not to fill out the voucher that XXXX sent them to fill out. I have spoken to several Supervisors at FedLoan Servicing and no change has happened. They have a record of all my calls and interactions and so does XXXX. Please someone help me. I did service for XXXX when I was in graduate school to help pay off my student loans and now FedLoan Servicing has made me lose my money award. Please help me. I ca n't afford this loss. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: AFNI put a XXXX collection on my credit report. I did not receive notice from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (UT).
Issue: Application, originator, mortgage broker

Complaint: XX/XX/2016, I answered an Internet email advertisement about getting a Mortgage on line. I was also talking to a local company about a Mortgage and should have stayed with them. When XXXX of the Representatives from The Loan Depot contacted me ( an Internet Mortgage Company ), I decided to give them a try because of their excellent promises of " getting it done in 30 days ''. I had been warned about on line Mortgage Companies, but these people are good ... .and they talked me into going with them. The process dragged on and on and on ... ... and I really do n't think that Loan Depot steals money from anyone, they just promise money back and credits on your closing costs as long as you do what they say ... ... and then the approval process begins. Now that they have everything you can imagine about yourself, including pictures of your personal items in the home ( proving that you really live in the home ), it drags on and on and on. When they XXXX up, they ignore you. When you drag your feet, Loan Depot gives you the " death promise '' ... ... if you do n't do this or that, you are out, this loan is over. The problem with this loan was that I was coached to say things, send in items that did not exist ( which I did not send ) and then they just NEVER get it approved!! The real confusing thing was that I was told that the Loan was approved, we got a call from XXXX different sources, the Title people and the Insurance people telling us to get ready for the closing ... .and then silence ... ..nobody is returning calls and you start getting the run around. Then, on a Saturday, when they do n't think you are going to answer their phones ( because they are always phone numbers that are blocked ... .DO NOT SAY LOAN DEPOT, like good companies have on their caller ideas ) and you do answer and they tell you at the last minute, this loan is not approved at what amount you needed, but we will approve another lower amount. I told them to go for it, and once again, they started putting me through the " approval process '', unbelievable. So, after almost 90 days of Loan Depot 's promises, NOTHING ... ..and then finally a " this loan can not be done, because you wo n't give us what we need, which is items that are impossible to give them ''!! CONSUMERS, go with your gut, but DO NOT use Loan Depot or any on line Mortgage Company. If you can not go somewhere and look at these people across the desk and make them responsible for what they say, DO NOT play their game. They promise the moon and deliver nothing. Even though, they represent that they do thousands of loans a week ... ... and maybe they do. Nice people, big promises, NO RESULTS!! PS I went back to my local Mortgage Banker, locally, and they are closing on my loan next week for the full amount I needed. Thank you CFPB for allowing us, as consumers to get word out on these kinds of companies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (IL).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX Re : Conveyance Modification with Ocwen Loan Servicing XXXX XXXX XXXX LOAN # - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Good afternoon, I 'm filing this complaint/request for assistance with regards to the mortgage that I have been performing on, for the last four years. My mother, XXXX XXXX XXXX XXXX away in XX/XX/XXXX and I have been performing on this loan, with Ocwen Loan Servicing, ever since. 

Unfortunately, I did fall behind on my payments and I 'm trying to initiate a Conveyance Modification dialog - to put the loan in my name and continue to move forward. Because I 'm not authorized, Ocwen wo n't even discuss this situation with me, however, they 've cashed every payment that I 've sent them, since XX/XX/XXXX. On XX/XX/XXXX, I was granted a probate hearing for XX/XX/XXXX, to assign me as XXXX of the XXXX. 

This hearing is the day AFTER the scheduled sale date of our home. We 've submitted the hearing information to Ocwen, but do not have a means by which to confirm that they have postponed the sale, in order to allow me to be assigned XXXX of the XXXX and engage them in a Conveyance Modification. 

PLEASE assist us with this!! My daughter and her child live here with me and I 'm an elderly citizen, who wishes to keep a roof over my head! 

My contact information is - XXXX XXXX XXXX and the Probate Trial information documents are attached. 

Thank you for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX sent a final bill to the wrong address after I closed out my account when my contract was over I looked up the bill and paid it IN FULL they took my payment but held the bill to sell to a 3rd party collections agency NEVER telling me ANYTHING I assumed the account was paid in full called and they just re sent me to collections where i had to pay an additional {$22.00} they still put derogatory mark & late payment even though the debt was already paid for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (CT).
Issue: Settlement process and costs

Complaint: I had XXXX home equity line on property A, for several years, and had a balance of approximately XXXX in XXXX 2014. I purchased another property ( property B ) for which I paid cash and I moved into it. For months I worked with TD bank to close the LOC on property A and take out an LOC on property B to pay off the XXXX XXXX Property B appraised at XXXX and I have a credit score over XXXX. I sold property A and had to find cash to close the line on property A all due to sheer incompetence at the local office ( XXXX XXXX XXXX, XXXX, CT ) working with an agent named XXXX and a Manager named XXXX XXXX. XXXX XXXX no longer works for TD bank. I finally secured the LOC by working with a women in their corporate office in New Jersey named XXXX. I had to close on the LOC at the local branch on XXXX XXXX XXXX, XXXX CT, again with XXXX and XXXX XXXX. At that time XXXX XXXX seemed to take all the credit for obtaining this loan for me, which he did nothing, and while XXXX tried I am not sure he ever knew what he was doing. At that time I expressed my concern about all the lost time on my new LOC, as I was worried about running into prepayment penalties. XXXX XXXX conveyed to me that if should become the case we could work something out. I received nothing in writing. I signed the documents, opened the new line, and now I have closed it 16 months into a 24 month commitment. They charged me the full {$450.00}, I tried to, work, it out with them, but between being on hold for hours, telling my story over and over, the new ( as of 5 months ) branch manager at the local branch told me to go pound sand. I am extremely frustrated at their lack of continuity, respect for customers time, incompetence in creating this situation in the first place, and unwillingness to try to reach any sort of amicable solution. I do not know if I have any legal grounds to stand on but certainly want them as well at the banking commission to know of my displeasure. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: USAA has failed/refused to report my credit card balance which was paid down to approximately {$780.00} 30 days ago. A rapid re-score company has also contacted USAA about getting the updated balance but USAA has declined to provide a response regarding the large payment I made approximately 30 days ago. 

While the correct balance is reflected on USAA.com ( see attached ) it has not been reported to the credit reporting bureaus which still show it as {$2200.00}. I feel this is done intentionally as USAA has been contacted to do an update by the rapid re-score firm twice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with Aldous & Associates, PLLC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I had received numerous robocall from Aldous & associates P.L.L.C. After calling back on XX/XX/18, the representative named XXXX XXXX told me I owe money from gym membership. When I wanted proof of this claim in the form of singed contract / agreement, the company told me that they already mailed a letter to me which I had never received. When I requested them to send me again, they told me that they are not sending me the proof and didn't explain the breakdown of the amount. Yet the representative threatened me to report to the credit bureaus. The representatives remarks were threatening and unreasonable. These threats without providing proof of the claims and without explaining the amount of the claims, has caused emotional distressed in me. This emotional distress has hampered my personal and professional life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (I do not know) with Mayan, LLC (WI).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting phone calls from phone number : XXXX. They call constantly. I had XXXX calls from them in 4 days. It 's an automated/computer call. They have been calling for a few months now. I did try to call them back 1 time and it went to voicemail. To my knowledge I do n't owe any money that would be under debt collection. I tried to research the company ( XXXX XXXX, or XXXX XXXX, not sure of spelling ) and all I find are reports of scams connected with the phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In  XXXX  of  2017  when i reviewed my credit report, I noticed my Best Buy credit card balance was over the limited. When i called Best Buy/CBNA credit card to inquire the reason for the over the limit credit card balance the customer service representative,  XXXX , informed me a promotional offer expired and the interest was added to the card. I explained to  XXXX , i was not given notice about any promotion expiring and never received any mail regarding this information.  The CBNA representative was not helpful and refused to give me any information about the promotion.

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