milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (HI).
Issue: Loan modification,collection,foreclosure

Complaint: Nationstar Mortgage has given me a " loan modification '' that makes my mortgage payment higher than the original one. 
In XXXX XXXX I signed an agreement with Nationstar for the loan modification, accepting it even though the monthy payments would be about {$100.00} more than the original monthy obligation. They said I had no choice, " take it or lose the property. '' In XXXX XXXX, Nationstar informed me that they were adding an escrow payment to my loan that would raise the monthly payments by about {$700.00}, starting XXXX XXXX, XXXX. 
How can they think that this is " affordable ''.? They advised me two weeks after the " loan modification '' was signed about this increase. 
The market value of my unit per month in XXXX is only {$1500.00} a month. 
The new monthly mortgage payment is {$2000.00}, as of XXXX XXXX, XXXX. 
There are also HOA monthly fees and electricity to pay. It costs me now about {$2500.00} a month to live in this unit. This is not affordable. 
I also do n't understand my loan statements which are different each month with various fees. I can not make sense of these statements. 
Nationstar has also accepted an application from me on XXXX XXXX, XXXX for another loan modification and is also at the same time, telling me that I am not eligible for another loan modification until XX/XX/XXXX. 
I am confused now about why they offered me an application when I am ineligible.? 
Their letters they send me say that they have " modified my loan to make it affordable ''. This is not a true statement.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo Home Mortgage has refused to give me this current information and your help is needed. I feel Wells Fargo Home Mortgage is duel tracking in a attempt to refuse a loan to me and discriminate against a XXXX women. Loan # XXXX XXXX XXXX, Property Address : XXXX XXXX XXXX XXXX , XXXX XXXX, CA.XXXXWhat the status of my Loan Modification Application? 
On what date did you receive my Loan Modification Application? 


XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other service problem

Complaint: Coin base is holding almost {$4000.00} of my money. Multiple times Ive tried to access my account and their website is not functioning properly in order for me to be able to do so. Ive contacted their support to bring this issue up with them and theyve only advised methods in which I do not have access to. Ive contacted support multiple times to address this concern considering the circumstances, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: this company is currently reporting 6 accounts that either do not belong to me, have inaccuarate balances aand are a result of identity theft .These accounts were removed previuosly after an investigation and have been plaaced back on my credit .I do not have an account with XXXX and they are reporting two accounts on my credit that do not belong to me .XXXX is reporting a balance that is inaccuarate and I have sent proff to equifax of the correct balance determined by a judgement in court for less than half of what is being reported.XXXX XXXX has been paid off and the two medical accounts with XXXX  were paid by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I graduated in XXXX, right as the economy started its fast spiral down. I have not been able to get a job in my profession, and have been working jobs that pay less than {$5.00} over min wage to support myself. In XXXX, I was diagnosed with a XXXX ( which is covered under the ADA ). Since then, my out of pocket medical has increased exponentially over the last ten years. With the passing of " Obama Care '' I have also had to purchase my own health insurance ( the XXXX level plan my employer offers does not meet my needs ). 
Since XXXX, my medial expenses have been more than XXXX of my net income. It has been an issue paying back my loan due to the extensive medical costs i have encountered ( XXXX ). 
I have attempted to return to class, in order to maybe gain a new profession. In XXXX I was in class, but had to drop due to lack of transpiration ; but I was seeking an XXXX degree. I started having sever issues with XXXX, and XXXX ; due to XXXX resulting from my XXXX. In XXXX I returned again, I dropped XXXX class due to not being able to XXXX. The last time I was in class was XXXX, and I was not able to complete the term due to having a XXXX. In early XXXX, my doctor and I were evaluating options to keep me from starting XXXX and preparing for XXXX, due to my XXXX. 
I have taken multiple deferments. It comes down to either I pay for medical or I pay for my loan. During my conversations with the standard reps ( people who answer while calling ), a few supervisors, and mid managers ; the general message they have conveyed is that they do n't care, I need to pay them. So my option is pay them, or die. 
I have filed multiple XXXX complaints against my loan company. They have provided false information to the XXXX and me through the XXXX. They have also violated mediation terms through the XXXX. They have been involved in harassment through the mail and by phone. 
I would like a review of their business practices, as well as a possible violation of my rights under the ADA.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Equifax froze my credit report without my permission or request. They will not unfreeze it unless I provide a special identification number which I do not have because I did not request the freeze in the first place. I need my reporting unfrozen so I can apply for a credit card and there is no way I can get Equifax to do it. 
My name is XXXX XXXX XXXX. SS # XXXX. My address is XXXX XXXX XXXX XXXX, XXXX, NY XXXX my email is XXXXXXXXXXXX. My phone number is XXXX. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with High Point Asset Inc (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting calls from this company ( " Highpoint Assets '' ) for XXXX XXXX ( not me ). I 've asked to be removed from their list several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I requested validation to XXXX XXXX, XXXX XXXX, as my right under the FCRA and they responded to me on XXXX/XXXX/XXXX a packet containing the amount owed in an itemized bill. However, the paperwork they sent me contained a description of my personal health information that directly violates my HIPAA rights. I did not release my health information to XXXX XXXX. I sent them a second letter advising them of this violation on XXXX/XXXX/XXXX and they responded with the SAME EXACT packet, never discussing the violation or my concerns. The second response from them was also received in a tampered envelope which concerns me that someone else may have been able to see my PHI ( Personal Health Information ).  A letter was sent to Equifax on XXXX/XXXX/XXXX explaining my concerns and to request to remove this account ASAP from my credit report. All documents and certified receipts were included in this letter for documentation purposes excluding my PHI. My letter was received by Equifax on XXXX/XXXX/XXXX. I just received an email from Equifax today, XXXX/XXXX/XXXX, stating my investigation was completed and the debt still belongs to me after they contacted XXXX XXXX. They have failed to respond in 30 days. Also under FCRA Section 604 ( g ) ( c ) it states that information other than account status or amounts is restricted. My rights were clearly violated. A letter was also sent to XXXX on XXXX/XXXX/XXXX requesting to remove this account from my report. I have not yet received a response but it remains on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX  XXXX XXXX-XXXX, and XXXX XXXX-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In  XXXX    XXXX  , the medical lab,  XXXX , performed wrong blood tests, not what was ordered by my doctor. They acknowledged the error and I was told there would be no charge to me. Shortly thereafter I began receiving bills from  XXXX  which I forwarded to my doctor 's office. They called  XXXX  who assured them the matter was taken care of but I continued to receive bills from  XXXX , and now from debt collection companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with ProCollect, Inc (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had a court case with the apartment company called XXXX XXXX of XXXX XXXX. In the case, the judge made no money judgement against me. But after the case, The company still ignored the ruling of the court and sent in an amount of {$1600.00} to a debt collecting company called Pro-collect. And i have contact pro-collect several times about the illegality of this debt with a supporting court document but they failed to honored the document. Also, i have contacted the three major credit reporting bureaus and as of now, it is only XXXX that has honored the court document by deleting the debt from my credit record. Therefore, i am kindly requesting from your office to look into this case. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (FL).
Issue: Managing the loan or lease

Complaint: Unfair negative credit reporting. I initiated a 39-month lease on an Infinity JX 35 XX/XX/XXXX, financed by NMAC. I managed the payments on with an automated withdrawal from my checking account. This led to a perfect payment history with NMAC. All of my payment communications were via email. After lease end XX/XX/XXXX, I only became aware of a balance due of {$410.00} when I noted a negative report on my credit. I found out that this was a disposition fee. I was told that statements were sent to me via mail. They were sent to an old address. I inquired why I had not received any communication via email or phone, and was told that that " is not what we do ''. I understand that the Fair Credit Reporting Act requires notification of an overdue debt before a negative report is established. From my standpoint, inadequate effort was made to contact me. If all of my communication was via email for billing, my expectation was for that to continue. I also know that I checked my online account a few weeks after turning the car in, just to make sure I was n't inappropriately charged for anything. I did not see a balance due at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit card or prepaid card (Government benefit card) with Xerox State & Local Solutions, Inc. (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: On   XXXX   XXXX   my wallet got stolen out of my wallet on camera at  a Restaurant in    XXXX   XXXX  California. When I couldnt pay my bill cuz I had no wallet I immediately shut off all my cards and called the police as the bartender went into the back to review the security footage as she had remembered a suspicious man sitting next to me.. Police Report was filed , officer   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX  ) .On   XXXX   XXXX   the day after I turned off My prepaid California Child support  card wit h EPPICARD they allowed {$5400.00} in transactions to go through. When I realized this happened I immediately disputed the transactions as  Fraudulent  on   XXXX   XXXX  . Based on the disclosures and notices on EPPICARD i was to have been notified within  10 busi ness days if an error had occurred. I called EPPICARD on   XXXX   XXXX   to question what was going on with the investigation and was told I needed to mail a incident report that they had not yet sent me, SO I create d one, includ ed the police report etc and faxed and mailed a copy to EPPICARD and still today  18 business days after I reported the Fraud,28 B usiness days after I reported the card stolen I have still not heard anything from EPPICARD  XXXX  nor have they contacted the  officer in my case and they are still holding my money hostage ... and to add insult to the injury when I called again this am to follow up, was told they co uld hold my money " while they investigate '' for up to 90 days ... ...??!!!!??!!! Not only did their system not see that the transactions in question were completely out of character with how I use this child support card and not flag it and turn it off like ALL my other cards did but they have made no attempt in all this time to contact me nor assist me with resolving this situation. This EPPICARD prepaid  MC ser ves states who issue child support to mothers across the country who need their child support to live and feed their children and this is absolutely unacceptable handling issues that these special cardholders have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Credit card or prepaid card (Government benefit card) with Comerica (CA).
Issue: Unexpected or other fees

Complaint: I receive social security benefits thru a pre paid card from social security from a card called direct express..well someone hacked my card for the whole amount of {$760.00} my rent, car note insurance and my food money..they made purchases in other countries.. Noe direct express have given me horrible customer service they told me that i will have to wait 90 days to get this resolved..i cant wait 90 days to investigate.. Direct express is not helping me at all..im in a financial hardship.. I need help please

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LENDING CLUB CORP (DE).
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: My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX  XXXX in regards to two accounts ; the company is claiming there are two accounts that they claiming to be charged off in the amount {$2600.00} and the other is not reporting a balance. These accounts are negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The accounts in question # XXXX and # XXXX the whole account number is n't reported as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Late fee

Complaint: I ALWAYS pay my credit card bills IN FULL plus some amount to cover estimated charges between bill issue and payment. Chase VISA does not make interest income off my account except when they can manufacture a " gotcha. '' On XXXX I paid Chase {$7500.00} for XXXX Visa charges. Because I was going on an extended business trip XXXX, I pre-paid my XXXX Visa bill of {$8500.00} on XXXX. The gotcha? Due to " billing cycle policy '' I was charged {$180.00} late fee " because no check was received in XXXX. '' So, after forking over {$16000.00} to Chase Visa in XXXX, {$8500.00} in PRE-PAYMENT, I receive a late charge for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX account is not my account and was open as an result of identity theft FTC Report # : XXXX Experian and XXXX refuse to remove account.

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 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I called JPMorgan Chase Bank on XX/XX/17 to ask them why they have accessed by credit file on X/XX/2017 and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they would n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX offered me a plan which I agreed to and then all of the sudden changed back to way it originally was. I agreed to {$250.00} a month for XXXX in until pd off and the interest rate was to reduce to .001 after 3rd on time payment which I have made nearly 8 payments. I was paying just as they offered and I agreed to all the sudden they changed back to old interest rate and payment. I want it back the way I agreed to when they made an offer of {$250.00} locked in with my interest rate of .0001 until paid off and I want them to back date from when they pulled it out from under me. I help up my end of the deal and was paying as agreed. This in not fair they thing they can do what ever they want whenever they want when they made an agreement with me. The attorneys office that they placed the account back to will not return my calls or voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Debt collection (Other debt) with Advanced Collection Bureau, Inc. (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt has not been validated with any original documentation to include my signatures. *This is my 3rd attempt at reaching this collector, with no valid response. I have searched for this collection agency on XXXX XXXX XXXX ( Alabama is the state that this debt supposedly originated ) and this business is attempting to illegally collect money from me as they are not a registered debt collector as of this filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation