milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I wanted to close my Capital One Account in   XXXX   2017. So I refinanced my car with   XXXX   XXXX   XXXX   XXXX   and they got a pay off amount on my account which Capital One received on   XXXX    XXXX , 2017. I received a phone call today stating that I needed to check my account because it was past due. Come to find out Capital one has been charging me interest and late fee charges on an account that was closed. I never received a notice or statement for the months of  XXXX   XXXX  or  XXXX  2017. I checked my account on line on  XXXX   XXXX , 2017 and my balance was   XXXX   and the account stated closed. This has impacted my credit report as I am now 50 days late. I Spoke with   XXXX   at Capital One who has stated that they would reverse the charges and give me a  XXXX  balance as on  XXXX   XXXX , 2017 and would reverse the late notice on their accounts and with the credit reporting agencies. I do not have my credit card but it was a   XXXX   XXXX    master card ending in  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Problem adding money

Complaint: Hello Sir, I hope this mail will find you the best of health. I am a XXXX citizen and residing in XXXX. Actually, i had transacted some crypto currency of amount almost XXXX ( Above XXXX $ ) Bitcoins to mistakenly generated bitcoin cash address. The Receiving Wallet Address generated by me was of Bitcoin Cash ( XXXX ), But the amount transferred was Bitcoin ( XXXX ) by the sender. Funds was transferred from XXXX to Coinbase channel. So, the sender sent XXXX to XXXX wallet address, which was generated by me. My amount is blocked at Coinbase end because XXXX showing XXXX confirmations of my transaction. I had mailed the Coinbase support team and explain them about my issue. But Coinbase team didnt bother to respond to my mails even the Lapse of 30 days. Further, I had also tried to explain them through call about the entire issue, but they did n't resolve my issue after the lapse of considerable time. Therefore, I am complaining through this channel to take action against XXXX to redress the grievances and issues of a lot of people, whose amount is blocked at coinbase 's end. 

Additional Information : Company Name : XXXX My Email : XXXXXXXXXXXX Transaction Hash : XXXX Receiving Wallet address ( BCH ) : XXXX Transaction Date and Time : XX/XX/XXXX, Between XXXX Transferred amount : XXXX XXXX Coinbase Physical Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX Debt of {XXXX} showed up on my credit reports in XXXX XXXX but debt was supposedly opened in 2014. I recently contacted XXXX XXXX and the collection agency XXXX XXXX XXXX concerning this matter. After 30 days later XXXX XXXX XXXX dismissed the debt and XXXX XXXX sent a letter in XXXX which I do n't speak not sure why the letter was sent in another language. I had the letter translated into english it said the debt was dismissed XXXX XXXX but it still shows bad debt on my XXXX and XXXX credit reports.

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 07-07-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (ME).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage Subject : Foreclosure Process Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, XXXX XXXX AM Dear Nationstar XXXX On XXXX This Morning '' TV Program today, XXXX/XXXX/XXXX, there was news article that directly related to your ongoing dealing with me. I have copied it below. As you know, XXXX, my previous mortgage servicing company in XXXX XXXX, missed sending the first payment to you, and the second was set up online with your mortgage servicing website to draft my checking account, and it did not go through, and finally, as I said previously, my marginal cushion between my SSI payments and the mortgage payment was very small : {$730.00} vs. {$620.00}, and my car broke down several times at the end of XXXX. As I live in an area where a car is necessary, the minimum amount of work possible each of these months, did not allow me to make the full payment for the third month. I have kept up with payments since. I am XXXX XXXX XXXX and I have lived in this house XXXX years, and I want to continue living here. Please pay attention to this as I will send my complaint, including a copy of this, to CFPD, as you, Nationstar, are aggressively sending me into foreclosure. Please consider adding the late payments to the mortgage due. Thank you. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ME XXXX XXXXXXXXXXXX # # # ... http : //www.cbsnews.comXXXX Are private equity firms making mortgage mistakes? ... XXXX XXXX, XXXX, XXXX AM ... There is new concern for some homeowners nearly 10 years after the last housing crisis. A recent New York XXXX investigation found that private equity firms, which bought distressed mortgages after the XXXX crisis, are making similar mistakes that banks made before the last bubble burst. XXXX News business analyst XXXX XXXX joins " XXXX This Morning '' to discuss whether homeowners should be worried ... These firms are pushing people into foreclosure with short term late payments, contact CFPD.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Background screening for lease on new house turned up someone else associated with my social scurity number on credit check.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: experian is reporting rtr financial services account is not mine please remove asap

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 12/29/2015 about Mortgage (FHA mortgage) with Selene Finance LP (KY).
Issue: Loan modification,collection,foreclosure

Complaint: We fell behind on our mortgage. Our loan went through XXXX different companies all of which were unwilling or unable to help including XXXX XXXX XXXX. We arrived with Selene Finance. We have been working out a modification program and waited for 3 months for them to get a program together including them having to resubmit the request to the underwriters due to the fact that they wanted to add the amount we fell behind on the end as a balloon payment which is illegal in my state. When they finally sent the modification program they demanded us to put down XXXX in about 3 days after we got the contract by regular mail. Then they wanted our first payment 6 days after that. When I was told by the gentleman who was working our loan they would not require the down payment ( XXXX ) right away and the first payment on the loan would not be due until the month after the down payment was due. I called my worker many times and to get him to call back had to call two or three times a month for the same question. Now I am due my first payment after they fixed my paperwork to make the first payment due XXXX/XXXX/XXXX instead of XXXX/XXXX/XXXX and they have not called me back to tell me how to send my funds. I also received a letter stating they had not received my contract but had received my XXXX down payment and I had emailed it. In with the letter is a letter to another loan that is due their paperwork and I had to call the company for them to send out a new letter to the other customer. Their down payment was also considerably less then ours. This company has horrible practices. Also XXXX XXXX XXXX refused to help AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 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: In XX/XX/XXXX, Experian started reporting that 4 of my student loans through U.S. Dept. of Education are being included in a Chapter XXXX bankruptcy on XX/XX/XXXX. I have no bankruptcy on XX/XX/XXXX, so how could these accounts be included in a bankruptcy on this date. When this information was put on my credit report, it caused my Fico score to drop 21 points. I want this inaccurate information delted from my 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 05/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Re :   USAA  Credit Card  Number  ending  XXXX . Dispute Resolution amount {$200.00} I AM REFUSING TO PAY THE AMOUNT. WHAT KIND OF A CREDIT CARD COMPANY AND I DEALING WITH HERE. I NEVER RECEIVED THE GOODS SO WHAT AM I PAYING FOR?. I AM YOUR CUSTOMER AND I CAN NOT GET A HOLD OF THIS MERCHANT SO I KNOW USAA NEVER DID A GOOD FAITH INVESTIGATION. NO TRACKING AND NO DELIVERY OF THE ITEMS AND NOW YOU TELL ME I HAVE TO PAY {$200.00}. NOT IN THIS LIFETIME. NEXT I WILL BE WRITING TO THE  CEO  AND WILL NEVER PAY FOR GOODS I NEVER RECEIVED. AGAIN SEE BELOW  : 1 ) I  purchased the Goods from this merchant ( SNEAKERS ).      2 )  The SNEAKERS were never shipped and or received.      3 )  I contacted the  XXXX   XXXX  XXXX  XXXX ?  XXXX  and requested update as far as the delivery or tracking numbe r 4 )  Received no response from Merchant as of this writing.      4 )  Please Refund the {$200.00} for item purchase but not shipped by Merchant.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-08-2016 about Mortgage (VA mortgage) with United Military Mortgage, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: signed forms to lock in mortgage rate, then signed all formal contract forms for the mortgage with Low VA Rates, LLC, then told there is no longer any company to fund the mortgage due to rates have changed. I feel Low VA Rates should fund the mortgage until they can find a buyer for the mortgage as I do have a contract with them. I get to change my mind in 3 days of not accepting this loan but it has been greater than 3 days and I can find nothing in contract stating they can get out of the locked rate. They are proposing a higher rate mortgage.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have reached out to XXXX to discuss inaccurate posted information that has been reported to my credit bureau ( s ) with no actions taken to correct the inaccurate information by XXXX. 

My student loans have been unfairly and inaccurately posted 90 days late to all 3 credit bureaus and XXXX will not remove the incorrect information after numerous phone calls and letters being sent to the XXXX credit department. 

I feel that my loans have been unfairly and inaccurately reported because I was never notified via US Mail nor telephone call by XXXX. My loans have always been in deferment since my departure from University due to health issues related to me being XXXX XXXX XXXX XXXX and issues surrounding my XXXX XXXX injury. 

XXXX is saying I was 90 days late and the only reason I found out about this information is that I was alerted when my credit score dropped over 390 points one day. Unbeknownst to me, XXXX is stating that the sent me a message to my inbox on XXXX  website. I do not check this website ever, never have. And no one has ever told me that I need to check this website on a monthly basis to check the status of my account with XXXX. 

XXXX unfairly reported me to the 3 major credit bureaus and has ruined my credit to the point I may not be able to move from one apartment to another this summer when my lease is up. My score went from a XXXX to XXXX overnight because of their unfair billing tactics and failure to properly notify me that my loans were no longer in deferment. 

Since the unfair credit reporting incident. I have filed multiple applications with XXXX in order to get my account back into deferred status. This process is lengthy and time-consuming and all computer-based meaning you are unable to speak directly to a human being in regards to the status.You just have to wait. This unfair process caused me to accumulate more late months because their process is slow and unfair. After three months of trying to get my accounts current and back into deferred status, I was denied and I was able to submit an Income-driven repayment plan of which I was ultimately approved for. Monthly payments are now {$0.00} for the next 12 months based on my current income. 

I reached out to XXXX and told them about the inaccurate reporting and they have denied multiple requests to withdrawal their inaccurate and unfair reporting to the credit bureaus and I feel this is completely unfair. 

Please assist me in having XXXX remover the Negative reporting for all of my loans that have been reported to ; Experian, XXXX, and XXXX. 

Thank You 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 02-07-2018 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (PA).
Issue: Trouble during payment process

Complaint: Ditech began servicing my mortgage in XX/XX/XXXX. One of the first things they did was refund me nearly {$1000.00} from my escrow account. I assumed they knew what they were doing and cashed the check. In XX/XX/XXXX they did an escrow analysis and stated that I was short due to the refund that was a mistake on their part and my mortgage would go up {$100.00} for the next year to make up the shortage. That much I understood. However, in XX/XX/XXXX they did another escrow analysis and stated I was now {$2300.00} short. I was given the option to send in a lump sum of {$2300.00} or spread the payments out over the next 12 months increasing my mortgage from {$650.00} to {$840.00}. My payment in XX/XX/XXXX was {$570.00} and the property taxes have not changed since XX/XX/XXXX. Being that my taxes are $ XXXX/yr and home owner 's insurance is $ XXXX/yr I fail to see how my account could be In the neighborhood of {$3400.00} short in just a couple of years. My taxes have never been late or increased since they began servicing the loan. I am a real estate salesperson and appraiser so I have an intimate knowledge of property taxes and mortgages. For the life of me I can't get an answer or reason how my account could be this short. The mortgage all along has included an escrow payment of {$190.00} which is the exact amount to cover the taxes and insurance. 
I started in XX/XX/XXXX making calls trying to get an explanation of what was causing the shortage. Since then I've made at least 6-8 calls speaking to all different departments, if they didn't transfer me to no one, with not a single answer. They have promised on more than a few occasions to get back to me or have an expert look into it again with no results or phone calls. 
Please help me end this egregious over step of power.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AR).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In   XXXX  , I worked with my student loan servicer to consolidate my loans. At the time I had just completed my   XXXX   XXXX   and had a daughter in college with loans. I spent a great amount of time on the phone with an employee of the servicer going over the consolidation, repayment options, and the public service loan forgiveness program  (  which I was qualified for ). I believed the employee was being truthful with me and that I could look forward to beginning to repay my loans so that I could get through my 10 years of public service loan forgiveness ( PSLF ). As my in school deferment was ending, I called  FedLoan ba ck to find out what my payments would be and to make sure everything was set for me to begin repayment on the PSLF. At this time I spoke to a very helpful gentlemen who informed me that unfortunately my loans had been consolidated incorrectly ( my daughter 's loans had been added to mine ) and that I would not qualify for IDR or other plans. I stayed on the phone with him for a very long time while he attempted to find out if their was anything he could do to stop or re-do my consolidation. I was in tears and he genuinely seemed to be trying to assist me. It is unfortunate that we were not able to figure anything out. There was no way I could afford {$1200.00} + monthly and he was very apologetic. If only the person I talked to from the beginning had the same moral and customer service driven mindset. He helped me apply for forbearance in hopes that by the time it ended I would have found a better paying position using my degree. Unfortunately, that has not happened and I have not only not been able to find a better paying job, but I have not been able to find a second job that could pay this amount. I have called back to FedLoan several time to see if there is any remedy because I really want to begin paying my loans, but have no way to pay so much a month. I was told that if I ca n't pay the total amount due that I ca n't pay anything at all. This does not sound correct to me.     After reading up on my issue, I found that it has been a common problem with FedLoan Servicing to make consolidation errors, repayment errors, payment calculation errors, and give misinformation to students/ former students beginning to make their loan repayments. I know see that my case is just part of the bigger issue, but unlike some others I truly want to complete my PSLF. I have lost 3 years of the 10 years of payments I am expected to make and that is very disheartening to me. I would love to know what remedy their is for me and others like myself. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loans were previously held by  XXXX   XXXX , which were eventually sold to  Navient.  I 've always paid online and up until recently I was able to make an extra payment on my loans that was applied THAT MONTH to the outstanding loan principle of my choosing. This was a valuable tool that allowed me to pay off my student loans quicker.  <P/>  Navient  has now suddenly, and without notice,  disabled  this feature from their website. After making repeated calls to find out how to continue with this repayment strategy I was informed this is no longer an option and that a borrower can only make an advance payment on the following month that is due.  <P/> This is a debt trap that ensures borrowers will be paying loans longer they need or want to. There is no listed consumer affairs contact information to register a complaint with, so I am doing it here.  <P/> This debt repayment strategy is key to getting out of debt quicker and to save money over the life of the loan. This deliberate attempt to thwart borrowers from quickly paying of their loans is a shady business practice designed to line the pockets of this company.  <P/> It is my hope that enough complaints will be filed here to force the company to reinstate this option on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Student loan (Non-federal student loan) with ACS Education Services (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX back in school he can not make payment. I am co-signer and an XXXX years onld with finncial hardship. ACE refuses to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have student loans from Navent. I am XXXX and only have XXXX income. I have been out of school for at least six+ years. I have attempted for YEARS to find help in any way to assist me with figuring out these loans. Everytime I have spoken with Navent they say they will send me information on program assistance or forgiveness for these loans and then they connect me with a recording that you have to agree to some kind of forbearance ... which honestly I do n't really know what that means for my loans but if I do n't agree they continue to keep coming at me for the loans with multipal calls per day from XXXX to about XXXX 7 days a week from all over the US. I have requested these so called assistance paperwork many many many ... times in these 6+ years and have yet to see any information for this. I only receive bills. I only went to school for about 3 quarters and my loans were under {$12000.00} well my latest principal is now {$24000.00} with a current payment due of {$1100.00}. I do not know how to actual figure this assistance out because I have just been told the same thing everytime ... they will send me paperwork and I need to do this forbearance each time. My income from XXXX is only about {$800.00} and that is before my Medicare premium. Please help me or let me know what I am suppose to do to actual resolve these problems.

Company response to consumer: Closed with explanation