milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I sent a PDF form request with attachment as instructed below to   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  requesting my credit history several weeks ago  XXXX   XXXX   XXXX ,   XXXX   ). To date I have not received any confirmation that my request was received by   XXXX   XXXX   XXXX   XXXX   XXXX  !!   EQUIFAX refuses to provide an ONLINE report, they averred : Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online.     How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX , GA  XXXX  Please include with the attached form a copy of  XXXX  item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address.   Identity Social Security card Pay stub with Social Security number  XXXX  Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility  bill ( gas, electric,   water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license,  XXXX  forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.     Why have n't I received a confirmation from   XXXX   XXXX   XXXX   XXXX   XXXX  ? Why does Equifax REFUSE to provide online reports?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (WI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my account. I 've disputed it and contacted this company several times since XX/XX/XXXX up until XX/XX/XXXX they did n't respond most of the time and the few times they did they stated it was valited but could not provide me a True validation with a signed contract. Anyone can get someone 's name, address, and email address. I want a TRUE validation with a signed contract!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: Greetings, We have had several Chase Bank Accounts for well over several decades and are very happy with our service. However, the last incident we feel should have been handled better and without a penalty to our family. There were several transactions that were automated that came through our account in the month of XX/XX/XXXX and XX/XX/XXXX. My husband had emergency XXXX after being diagnosed with XXXX XXXX XXXX XXXX XXXX I had power of attorney and I contacted his automatic bill payments Creditors that were going to take the funds from the account. I was told they were not able to speak to me. They needed the actual power of attorney documents mailed into the office and had to be reviewed by the their legal team. They were adamant they needed to speak to him, however that was not possible. During that time, five of these creditors continued to debit the account even though there were no funds to debit the account to this magnitude. No time in our 15 year history has our account ever gone in a negative process to this degree. I spoke with Chase, asking was there something that could be done and I was told no.
So, for one month this account was in the negative. The creditors were able to stop the automatic ach 's because they were able to review the power of attorney which gave me power to handle my husband 's business. My disappointment is that after speaking to a branch manager, I was told that the customer service representative should have told me to step into the branch to close the account and open another account. To add further insult, Chase has reported this information to the XXXX XXXX XXXX. I do not understand, how and why if I reached out to the bank prior to the account going negative letting them know what was to occur, why I was not given an option to close the account and open a new account. Because of the early reporting, I can not pay my utility bills with a check. I feel that I have been penalized several times by Chase. Even through they waived 50 % of the fees, I believe I should not have had any fees in addition to that, I should have not been reported to XXXX My concerns is that is Chase is concerned with making money from fees, and locking me in with them, because we are also unable to open an account with another bank. This is very disheartening and my husband is being penalized again for getting sick and having being diagnosed with XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MI).
Issue: Loan servicing, payments, escrow account

Complaint: IMy Mortgae was sold to Freedom Mortgage. I obtained the address to make auto payments the XXXX of each Month to make my regular payments and the address to make additional principle ONLY payments online from Freedom Mortgage. This occurred in XXXX 2016. Freedom Mortgage gave me the address to make principle only payments online in XXXX 2016. I set up the bill pay address and even called back tomFreedom Mortgae speaking to a second representative as a double chech to make absolutely certain t When I chose to make an an additional principle pay, net the online address was correct. The second XXXX XXXX rep confirmed the address was correct. I made additional principle payments and at the beginning they were correctly applied to the principle ; however, later the same principle only online payments were not applied to the principle. I called Freedom Mortage to correct this. I asked for a Manager and got XXXX in the escalations XXXX. Even though I ask for a manager, she was not a manager. She was beyond helpful and certainly was overbearing and unacceptable and an extremely poor employee. I felt my normal peaceful calm going away from this jerk. She was rude, interrupted me constantly, incompetent and hung up on me. I called back and again ask for a manager since this is highly important to me. I reached another employee not a manager, and told them the several online additional principle only payments were not applied to the principle. I was told by this individual that they never hear of the address for the online principle only payments I had been making. I told her I got the address from Freedom Mortgae and confirmed it twice as double check to make sure my online principle only additional payments would correct. Some of the online additional principle payments were correctly applied to the principle and others were not. I did not get a manager to speak with nor a return call from a manager to correct this disaster. I was on the phone for an unacceptable amount of time ruining my Saturday and this is still not corrected.

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 05/22/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I filed chapter XXXX XXXX 2007. It was dismissed not discharged. It has been well over 7 years since the date filed and Equifax refuses to remove it. Also I have XXXX federal tax liens on my report that have been paid and released that were filed XX/XX/2007 and XX/XX/2007 and have been well over 7 years. Equifax refuses to remove all XXXX public records but XXXX and XXXX have done so. I would like these records removed please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Bank account or service (Checking account) with ZIONS BANCORPORATION (VI).
Issue: Account opening, closing, or management

Complaint: I wrote XXXX checks to the United States Treasury, XXXX checks in XX/XX/2016 and XXXX check in XX/XX/2016 I will like to be able to make copies of these checks on my online bank account but they are not accessible to do so -- all other checks that I have written on my bank account are printable except these XXXX checks made out to the US Treasury. In the near past, I have had no problem with this matter and wonder why the stonewall by the Treasury Department is occurring now.

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 05/27/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (DC).
Issue: Application, originator, mortgage broker

Complaint: on XXXX/XXXX/15 I spoke with Nationstar Rep LJ # XXXX she explained that my loan Modification was denied because of the following : XXXX NoteXXXX : I explained and wrote a letter that I do not pay child support, gas, cable, car note, phone. I called 2 weeks later and was told my Loan Mod was denied again for the very same reason after my naca representative updated my file and i have written letters clearing up any confusion they may have. I have yet to hear a 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. (MT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was informed that my Name, SSN, Drivers Licence Number, address and date of birth may have been leaked to outside parties. This is unacceptable. I am also upset that I was not notified directly by equifax that my information was leaked. They have my information, they know it was leaked, but I had to find out about the whole incident via social media. On top of all this, they are using the incident to sell a " Free '' product that includes an arbitration clause that would that away the right to legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (FL).
Issue: Trouble during payment process

Complaint: We have a loan through Stearns lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that Stearns lending services has sold our loan and we would be making payments to XXXX XXXX XXXX on the XXXX of XXXX. 
On XXXX XXXX our mortgage was withdrawn by Stearns lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. 
I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out twice, This made no sense to me because the agent could see the double payment on her computer screen this was evident by her statement, " ok i see the payment on the 2 and the 10 '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. 
After that i called Stearns Lending about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. 
I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. 
It would be one thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out 2 in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I WANT TO SEE HOW AND WHEN I ASKED FOR FREE CREDIT REPORTS FOR EACH AGENCY ON THE ANNUAL FREE CREIDT REPORT WEBSITE. I DO N'T BELIEVE I HAVE CONTACTED XXXX AND RECEIVED XXXX REPORTS WITHIN A YEAR 'S TIME. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other transaction problem

Complaint: My account has been locked for at least 1.5 weeks but probably longer. I started receiving login errors on XXXX XXXX, XXXX. The last time I accessed the account was on XXXX XXXX, XXXX. After numerous emails and an 38 minute phone call, Coinbase wo n't unlock it. They wont say when it was locked, why it was locked and when it could be unlocked. I just want access to my account ; to verify that my virtual currency is still in the account ( as I 've heard of numerous hacking attacks ) and to cash out some of it now. Below is some correspondence between myself and Coinbase. 

XXXX/XXXX/XXXX 1st email to support - I suspect a bot responded with a generic will look into it email. 
XXXX or XXXX 2nd email to support - No response XXXX/XXXX/XXXX - Found out they started offering phone support and called it. Consisted of 30 minutes of hold time and 8 minutes of no help by the support specialist. Support did n't know why the account was locked or when it would be unlocked. 
XXXX/XXXX/XXXX - Automated email received from Coinbase regarding some tips which does n't help my locked out problem. 
XXXX/XXXX/XXXX - problem persists with no resolution on site. 

I have exhausted all options and I 've read that this federal agency can force them to comply. I really appreciate all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint: I opt out from XXXX XXXX XXXX. on XXXX/XXXX/XXXX. I have XXXX Inquires within a 2 year period on my credit report. I opt out from XXXX XXXX. XXXX/XXXX/XXXX inquires on my credit report I opt out from XXXX XXXX/XXXX/XXXX. XXXX inquires on my credit report I opt out from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX XXXX on XXXX/XXXX/XXXX I have XXXX inquires I opt out from XXXX XXXX on XXXX/XXXX/XXXX with XXXX inquire I opt out of XXXX on XXXX/XXXX/XXXX with XXXX inquires I opt out of XXXX XXXX XXXXNo knowledge of this company. I opt out of XXXX on XXXX/XXXX/XXXX XXXX inquire No knowledge of this company I have not given any of these companies permission to snake into my credit report. Please remove these companies

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is currently XXXX XXXX XXXX XXXX XXXX My current legal name XXXX A please remove/ delete all variations they are incorrect. 
This is the second time I have contacted XXXX XXXX, Trans Union, XXXX, XXXX   regarding the following information below. I am requesting that you promptly delete these addresses I do not believe a proper investigation was done from my file through your office.

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 09/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with ONEMAIN FINANCIAL HOLDINGS, LLC. (WA).
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: I went to a cash maching to use a card from One Main Financial to get {$500.00}. It was a XXXX XXXX machine, the machine said the cash transaction was declined or was unable to be processed. Though the cash was never dispensed - the charge went on my card anyway. 

I called XXXX, the ATM service provider, and One Main.  They all blamed each other and nobody would refund my money. I filed a dispute with One Main and they said it would take 10+ days. In the mean time I am out {$500.00}. One Main states they are acting on my behalf to resolve the situation but will not provide me with any documentation on what they are doing. I said if they are acting on my behalf they must provide me with the information on their efforts to resolve the situation - I was very clear with the representative and she refused and when asked several more times, I made clear what I was asking for - she continued to refuse. 

XXXX and One Main are both pointing the finger at each other and nobody cares that they took ( basically theft ) {$500.00} from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (FL).
Issue: Trouble during payment process

Complaint: I live in XXXX Florida. Several weeks ago we had XXXX XXXX. Immediately following XXXX XXXX, power was stopped throughout effected area. Costs associated with hurricane preparation, loss of food due to loss of power, costs associated with restoration including although not limited to batteries for fans, lights, replacement food, other consumables, and home repair exceeded {$1500.00}. 

Learned from local newspaper of Federal Regulations regarding National Federal Disasters supporting mortgage payment forbearances to mortgage servicing companies such that up to XXXX mortgage monthly payments can be delayed to end of mortgage term if a request of such is made to mortgage servicing company. 

I requested forbearance of my mortgage servicer Ocwen on XXXX/XXXX/XXXX. Company representative said that someone will call within 7 days. As of XXXX/XXXX/XXXX no one called or left a message. I called on XXXX/XXXX/XXXX and was advised by " XXXX ID XXXX '' Ocwen mortgage loan representative that Ocwen does not comply with Federal Regulations and furthermore has chosen not to work with forbearance payment delays. 

I find it odd that Ocwen has such an exception, which means that in addition to paying significantly more money than my monthly payment I need to accept further financial burdens. Incidentally Ocwen purchased my mortgage from another company, and given the choice Ocwen would not be my preference for a mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Debt collection (I do not know) with Oxford Law, LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have asked this XXXX XXXX to stop harassing me, and she continues. She continues to call my work also. I asked her not to on XXXX XXXX 2015 and she called again on XXXX XXXX, 2015. I explained I can not speak to her while working and I do n't wish to speak to her at all. I was trying to ask her who she was and why she was calling and all she would do is continue to ask me personal questions! Why would I give her information when I do n't know who she is????

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Student loan (Non-federal student loan) with Dream Center Education Holdings (MN).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I started at The Art Insititute XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXand finished at The Art Institue of XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX have fallen victim to predatory lending, and have been mislead by the school to take out private and federal loans.

Company public response: Company disputes the facts presented in the complaint
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. (WA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: I am identified as someone who may have had personal information hacked.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow   XXXX   XXXX   compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.

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