milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/27/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (SD).
Issue: Loan modification,collection,foreclosure

Complaint: Due to a divorce I had to declare bankruptcy a little over two years ago. During the divorce proceedings we were told to stop making payments on the mortgage as neither of us would be able to afford the house on our own. That was XX/XX/2010. Since then the bank has never finished a foreclosure. They have started multiple times but just never finish it. I was under the impression that after my chapter XXXX bankruptcy went through that I would have to wait a minimum of two years before qualifying for a mortgage. I did everything in my power to repair my credit and when the time came my credit was good enough but they would not give me the loan due to the bank not finishing the foreclosure. I paid {$10000.00} to my landlord for the option to purchase and now ca n't purchase. It 's been nearly 5 years since we stopped making payments on the mortgage and my debt has been forgiven. Now the bank has sold the mortgage to another mortgage company and they are starting the process all over again. It 's already been six months since they have filed for foreclosure and I 've spoke to both the attorneys filing the foreclosure and the new mortgage company and they are not sure what is going on. All the previous attempts have just been cancelled without prejudice. Regardless even if they do get it finished I will have to wait an additional 3 years before I can apply for a FHA loan. I have done everything asked of me and because the bank can not finish their process I have been set back a minimum of 3 more years. How is that fair to the consumer. The mortgage companies need to be held accountable for the devastation they are causing the consumer. Thanks to this process I most likely will have to move and lose {$10000.00} in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Managing, opening, or closing account

Complaint: I received notice of the " termination of funds loading capabilities on your Serve account ''. I do n't understand why my account has been effectively closed as all functions have been removed. 

I currently have over {$1000.00} and am unable to link a checking account to withdraw the funds. I 've spoken with numerous customer service, technical support, and account protection representations, but none have been able to help me in linking a checking account to withdraw my funds. 

I would appreciate my Serve account being reinstated for both loading and withdrawals.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-05-2015 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: I was told their was XXXX intial fiance fee of XXXX they rest would be payments of XXXX on a XXXX loan so today would been last payment of XXXX ... they took XXXX and still said i owed XXXX so i called and talked to them they were jerks to me, and said you get charge XXXX fiance fee every XXXX wks unless u make bigger payments!! That was not how it was explained to me when i called and asked questions..Im not paying them another cent they got their money plus some. how can they lie and get away like this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have been called several times from a place called CRME for various medical bills that have never even gone to collections. 
Caller ID shows up as a local number XXXX. Automated voicemail gave # XXXX. I called back and the girl that answered stated I owe medical bills from 2014. ( Which I do not owe ) She was very rude and wanted to argue. I told her to call the doctor 's office that she is so called representing and send me something in the mail documenting this because I have never received anything at my home address about any bills. ( I have lived there for 8 years ) She wanted my credit card number and I would n't give it. I told her to send me documentation in the mail and she hung up. 
I tried to go on their website to pull up the so called account # they were referring to and it directed me straight to a payment page where I had to enter a credit card. There is no way to pull up any info without inputting your credit card number. I did not do of course. 
My identity was stolen at the beginning of this year and I am still trying to clear the mess because of these scammers. I am so tired of these losers stealing from people..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I 'm trying to see my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had XXXX credit card accounts with XXXX banks for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a zero balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a zero balance to the credit bureaus. This would be double dipping for XXXX bank, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: letter send by debt collector the age of bebt i can not be sued. I want proof of contract and validity of this debt.Verify everything that i owe this debt to you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: APR or interest rate

Complaint: My complaint is with American Express, A couple years ago I did the Soldiers and Sailors relief act to get my interest rate reduced with them. Since that time I have made some purchases which are subject to the 9.99 % APR on my Credit Card. I have no issue with agreeing that I owe interest on that amount. What AMEX is doing is actually doing when I make a payment, they are increasing my Purchase amount on my Credit card and lowering the amount of the 0.0 % rate. I have not made any purchases on my credit card since XX/XX/XXXX, and since then they have increased my amount by the interest amount. Nowhere in my bill or Terms of Service does it state that interest is a purchase. By doing this American Express has increased my purchase amount by {$50.00} dollars which is subject to the 9.99 interest. Even though I have no made any purchases start from XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a loan for a motorcycle through XXXX credit company. I received a check from my bank offering to transfer balances at 0 % for a year. I called XXXX and gave the clerk my check number and paid my loan off. The next month I received a statement stating that i owed for two months. I immediately called XXXX and spoke to a supervisor ( XXXX at ext. XXXX ). He apologized for their error on the check for it not going through and no one from XXXX called to tell me. I gave him the check again and it got processed correctly. He stated that XXXX was not showing a late payment due to their. So, my loan is paid in full and I have my title. I got my annual credit report and Equifax is showing that I was two months or more late and my credit score went from 728 to 684. This needs to be taken off my credit report and my credit needs to revert back to where it was. My account number for the loan is as follows:XXXX. Again, the supervisor that i dealt with was XXXX ( not sure on the spelling ) at XXXX. When I called on XX/XX/2017 and spoke to the clerk that answered the phone she reassured me that I was not a day late. I will be patiently waiting for this issue to get resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been sending complete loan modification packages to my lender. He tells me to wait 30 days and after that he sends me a new package to apply again, without giving me any answer. We have repeated this process over and over again without any help. I attach the last letter they send me, equal to many they sent before.

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 02/27/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: Company = Coinbase Website = https : //www.coinbase.com Problem = can not access Coinbase service and my money Hi, here is what happened to me : - XX/XX/XXXX I requested support to Coinbase since I lost my secret key ( 2FA ) to access my Coinbase account - so I followed their instructions -XX/XX/XXXX I successfully completed their procedure to verify my identity. And they sent me an emails saying : " Please allow 48 hours for your TOTP 2-Factor Authentication to be disabled before signing in '' - Today XX/XX/XXXX ( after 17 days ) I'm still waiting ... .no answers from Coinbase support despite my emails. I'm still not able to use my Coinbase account and so my money there.

Thanks fro your support.

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have XXXX private student loans with XXXX separate companies. Both cost $ XXXX, each. I have tried desperately to decrease the monthly payment but neither XXXX or navient are willing to work with me. They both report my parents, who co-signed back in the late XXXX have the financial means to pay if I do n't, this is absolutely false. My father is in poor health, both are retired and in their XXXX. I am current with XXXX XXXX at the moment but Navient was supposed to be withdrawing my monthly payments from my checking account. I did n't have enough money in the account one month and they placed me in default. I was told that I can either pay a lump sum by out, borrow the money from my parents who Navient says have the means, Im certain they do not. Or pay $ XXXX, 3 times more than the payment I was unable to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized inquiries on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NC).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: There is is a class action suit against CITI card holders for charging too much interest. I received a letter in the mail stating that I may be one of these customers.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax wrongfully exposed my full name, social security number, address, and other identification information on the internet, due to gross negligence of security practices. This has put me at lifelong risk for identity theft and credit fraud, requiring constant monitoring, time, and expenses for me for the duration of my life. This is also a Homeland Security risk as enemy nation states build databases of Americans that they then use to get to their targets.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Debt collection (Medical debt) with Rocky Mountain Recovery Group (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company bought this debt from the now defunct XXXX XXXX XXXX which attempted to charge me {$44000.00} for air lift for my so whom was severely injured in a rural area of Georgia in XXXX. I believed that XXXX XXXX XXXX XXXX covered this expense and XXXX XXXX XXXX stopped contacting me. Meanwhile, unknown to me, XXXX XXXX, continued to report me to collections and charge me interest.My son was covered under my medical policy at the time. This has ruined my credit.

Company response to consumer: Untimely response
Consumer complaint received 03/13/2017 about Debt collection (Credit card) with Crown Asset Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Crown Asset Management , LLC - XXXX, Georgia XXXX Violated the " Fair Debt Collection Practices Act '', ( 1 ) By purchasing a former Creditor 's Debt, that originated with XXXX XXXX & trying to Collect their " Own Debt ''. ( 2 ) Seeking Interest & Fee 's without a " Contract ''. I had written a letter of dispute to Crown Asset Management & their acting Attorney 's - XXXX - XXXX, Fl. XXXX. But they have chosen to have me appear on a Summons for alleged Debt, without good cause. I signed " No '' written Contract or agreed to any terms or conditions with any Collection Agency, such as Crown Asset Management LLC. I wrote my letter in my dispute. " I conditionally consent upon proof of claim & upon proof of cause. If you can provide a signed Lawful Contract with equal consideration ; Full disclosure & Lawful terms & conditions of the Alleged Debt to " Crown Asset Management , LLC. That I signed a contract or obligated to pay any, or all of the alleged claimed funds Crown Asset Management. I am under " No '' Legal Obigation to any collection Agencies & my written contract was with XXXX XXXX. Neither Parties responded to my Request, because they knew, all too well, they could n't. Now I must defend myself in Court of Law & being the Victim of mischievous & unfair practices by these parties. I am asking for Fair Justice & to investigate this serious Matter & prevent such Activity from occurring in the future with other poor Victims. Respectfully Submitted

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I asked for a Goodwill Adjustment and the loan company said they do n't offer this, now I am filing a complaint because I would like the late payments removed from my credit report. During the months I was late on my payments was due to me being unemployed which left me financially XXXX to do anything. I have now gained full-time employment with benefits which is why my payments have became normal again. I am trying to buy a home and need this removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Credit card () with JPMORGAN CHASE & CO. (NY).
Issue: APR or interest rate

Complaint: About XXXX ago i had received and credit card application in the mail from XXXX XXXX for a promotional card that gives prime for life as an interest % a few years later the bank was bought by Chase Bank so i called Chase Bank and was going to close the account but was advised by Chase that they would honor the prime for life card, that was about XXXX years ago.Now i find a charge for {$98.00} bank fee. so i called them and was told that my chase freedom card now has that fee because of my prime for life. if you check their website will will see that the Freedom card has no annual fee. So it seems they targeted me because of my low interest rate they they gave me. Also how can they charge an fee for a card that they advertize with no fee. sounds like discrimination to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I have contacted Experian, I have also provided them with a letter from the furnisher of the information and yet Experian fails to remove the erroneous information that is outside the reporting period as it has passed 7 years and the statue of limitations for this debt have also passed. Experian continue to report XXXX/ XXXX on my credit. While the lender who purchased it from the original creditor states there is a zero balance Experian continues to report the original creditor with comments purchased by another lender thus not verifying that the debt is not owed. Such information should have been deleted when I asked months ago. Experian is in violation of FDCPA and the FCRA.

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 01/18/2016 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is ignoring my request to investigate and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment on my credit report with XXXX XXXX XXXX, docket XXXX for a collection with XXXX XXXX XXXX XXXX in the amount of {$820.00}. It shows that this judgment was filed on XXXX. I have written to the court, disputed with the credit bureaus and even sent letters to XXXX XXXX XXXX XXXX head quarters to get this judgment verified and validated per the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I have not received XXXX document that shows this account belongs to me bearing my name, address, birth date, social security number, or anything with my signature on it. I have n't even been provided with a contract from XXXX XXXX XXXX XXXX that proves I owed this money. Therefore, I have reason to believe an investigation was never completed

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The XXXX XXXX XXXX XXXX XXXX is also reporting XXXX old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of XXXX XXXX XXXX. At no time, have I ever had any written correspondence from XXXX XXXX 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 01/24/2017 about Credit card () with CITIBANK, N.A. (GA).
Issue: Customer service / Customer relations

Complaint: Bought a set of XXXX tires promotion related to this sale was a XXXX debit Visa card issued by CITI bank. Card arrived by mail today XXXX/XXXX/2017 and expiration date on card was XXXX. Tried to activate card. Was not able to. Called their customer service which was horrible and no help with first person so I asked to speak to supervisor. Supervisor was XXXX employee no. XXXX. I asked her if they could reissue a new card due to the late arrival of my card. She said she could not and was also of no help so basically I am now out XXXX dollars due to a postal service XXXX up and total lack of customer service from CITI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal data, and I was listed as a potential victim of their data breach from the security website they set up : www.equifaxsecurity2017.com/ This kind of gross negligence is absolutely staggering, and their response to the breach so far has been poor at best. I am now at a huge risk of identity fraud, and will be for years to come following this incident.
Equifax waited weeks to inform the public that they could potentially be compromised, all while their executives were allowed to sell millions of dollars of stock.
I want my data protected, and I want Equifax held accountable. A resolution to this situation needs to be swift and comprehensive.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: About three weeks ago I received a letter dated XX/XX/XXXX from AFNI debt collection. Demanding payment to XXXX. This debt had been settled through XXXX XXXX XX/XX/XXXX.So I call AFNI at XX/XX/XXXX on XX/XX/XXXX and spoke with XXXX. He said he did not want to hear anything 'just get out you credit card and pay '. He refused to give me he last name. 

After XXXX settled this debt, XXXX XXXX XXXX XXXX XXXX Demanded payment on the same debt on XXXX. I brought the matter to your attention. And XXXX XXXX, XXXX investigated and apologized. Now here comes AFNI to collect on the same debt. Please help me.

Company response to consumer: Closed with explanation