milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Billing statement

Complaint: In XXXX, I mistakenly sent a short payment ( by about {$20.00} XXXX to my Visa card company. This month, when I received my bill, I see interest charged on new purchases that were not due to be paid until the statement date. I called the company, who told me they are allowed to do this. If this is legal, I would call it highway robbery. The only interest due should be on the late amount and cash advances, and not on the new purchases that are not due for payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX Navient took over my student loan account from XXXX. My payment plan was XXXX dollars, when moved to Navient they state it 's XXXX dollars per month. They stated that my last plan with the XXXX expired. I never received any notice to this expiration. When explaining to Navient that I see options on the federal student aid site for XXXX /mo for XXXX months they say that while they are aligned with the federal government some options are not available with Navient. This is very confusing, and I believe that they are mishandling my account

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX Complainant entered agreement with XXXX XXXX ( XXXX XXXX XXXX ) for 145 channels of TV service and other benefits at {$19.00} per month. When the bill arrived it was {$75.00} per month. Complainant told XXXX XXXX to cancel the agreement as per the terms of the contract at no charge. XXXX XXXX billed up to {$720.00} before the dispute was settled on XX/XX/XXXX, and billing shows Complainant owes nothing. XXXX and Experian show that Complainant owes XXXX XXXX {$520.00} which was incorrect from the beginning. Complainant is trying to buy a residence, but the incorrect reporting has ruined his good credit record. XXXX XXXX acted in violation of Alabama 's statute against false advertising, and its actions severely damaged Complainant. XXXX and Experian also incorrectly show that Complainant owes XXXX XXXX {$480.00} dollars, when the account balance is XXXX. The Complainant 's credit score was further adversely affected based upon incorrect data.

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 05-11-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: this will be an update to my  CFPB/Regulatory Case Number  :  XXXX  dated      XXXX   XXXX   2017.    I have repeatedly tried to get the deed-in-lieu of foreclosure documents from  Bayview Loan Servicing LLC.  to allow me to start the process.   on   XX/XX/XXXX ,  I receive a  XXXX  mail asking me to start the deed-in-lieu documentation ; NO Documents were included to start the process. I have asked verbally to  XXXX   XXXX   XXXX  for the documents, for three weeks thru   XX/XX/XXXX , I have writt en to Bayview,  XXXX   XXXX   XXXX  and his manager  XXXX   XXXX   XXXX , on   XX/XX/XXXX  and  XX/XX/XXXX   via USPS, asking for written confirmation of receipt of these letters. No confirmation was received to either.   Finally on   XX/XX/XXXX  I r eceive the correct blank documents from Bayview, I have the coverdoc. from  XXXX .   next day   XXXX / XXXX /2017 I t ook the completed docs to  XXXX , at mid-afternoon EST, the fax machine at  Bayview, was inoperable, within the time suggested by Bayview  :  XXXX  thru  XXXX  MST. Sat   XXXX   XXXX   / XXXX /17 I  returned to scan the docs to a  USB drive,   returned home and emailed the nine pages ( as attachment  ) to    XXXX  XXXX  XXXX . the email never arrived. Wednesday   XX/XX/XXXX , I re-sent the same em ail with attachments to  XXXX   XXXX  and  XXXX   XXXX , consumer advocate a t Bayview. I have no email confirmation from Bayview. Toda  y  XX/XX/XXXX  I rece ive notice my application for deed-in-lieu process, is too late to delay the  Sh  eriff 's sale. Please ask Bayview a nd  XXXX   XXXX , about the three week delay in   XX/XX/XXXX , a nd now it is too late!?   I am very disappointed by the lack of professionalism, and very slow communication by Bayview and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (OK).
Issue: Problems when you are unable to pay

Complaint: I received multiple calls every day in the same day stating i have a payment due I advised the company that I do know that there is a payment and that they are not allowed to contact me multiple times a day

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax Information Services reinserted information regarding an account with XXXX XXXX XXXX in the amount of XXXX for cable services that were never rendered. This information was removed in XXXX 2015 and was reinserted under a different collection agency name on XXXX/XXXX/2015. This information needs to be removed from my credit report as it is in error as these are charges for a service that was never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AZ).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX I requested a withdrawal from coinbase inc to my bank account for {$450.00}. It is an app based virtual currency exchange for Bitcoin and also has a USD wallet. I have not received my money and have repetively tried to contact them on every platform I can with no success. Other people are having similar issues. I think we are all being scammed by this company. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Santander repossessed a vehicle in XXXX XXXX and the last correspondence with them was to find out where vehicle was to take possession of personal property left in the vehicle. Have not received any correspondence in regards to if vehicle was sold at an auction or if there was still debt owed. Through looking at my credit reports I found there to be a total due. I disputed that $ amount and it was then reporting {$0.00} owed and sold or transferred. XXXX XXXX, XXXX I mailed certified letters asking for validation of debt and any information about the repossessed vehicle. I have n't heard or seen a reply back from either Santander, XXXX XXXX or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (I do not know) with Account Control Technology, Inc. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Multiple Issues. Last week I received a call that appeared to sound like it came from an autodialer. My phone is a cell phone. When I asked the representative, she kept skirting around the issue and I asked to cease and desist. 

I received another call and right away the person asked for me and provided my full name, date of birth and last XXXX of my social. Nothing was confirmed by me who I was and I asked who she was. She stated her name was XXXX XXXX. I asked if she was calling on her own or on the behalf of a company. She stated she was calling from Account Control Technology on a personal business matter which is well known to be a collection call. I asked to have my number removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are many inquiries on my Transunion credit report the majority of them arent mine. Someone has been attempting to get credit with my name

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 02/27/2017 about Debt collection (I do not know) with CFM Group LLC (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I just checked my credit score online and noticed a collection agency named CFM group was trying to collect a balance of {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: In a letter to XXXX XXXX dated XX/XX/XXXX, I explained the circumstances of two late payments from XXXX and inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to XXXX 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my 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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (IA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information, potentially my DOB amd SSN have been compramised as part of the Equifax Data Breach known by Equifax as of XX/XX/XXXX.
I was not notified that my data was at risk and am now forced to take actions preventing theft of my identity for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2015 about Credit card () with CITIBANK, N.A. (UT).
Issue: Billing disputes

Complaint: i obtained an XXXX XXXX Citibank credit card XX/XX/2015. A small charge of about XXXX dollars went on the card in XX/XX/XXXX, I never received the XX/XX/XXXX statement so no payment was made. When the next statement came it had penalty and interest so i called to find out why and discovered the missing statement, I paid that day the total bill plus an extra {$200.00} so that there would be no more interest. On the next statement there is still an interest charge, called and company rep acknowledged the extra payment but said still assessed interest because they charge interest until the next statement even when there is a credit on the account. Refuse to do anything about the charge. I think this is an abusive practice. For a missed payment of about {$20.00} where I never got the statement I have already paid {$22.00} in fees and {$35.00} in interest, then on an over paid account more interest is charged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX I submitted my FTC Affidavit, notarized and signed, with the police report number. 

Transunion responded XXXX/XXXX/XXXX and updated the information on my credit report that was due to fraud they sent a letter saying that the items were removed however they have been reappearing since XXXX/XXXX/XXXX on my credit report and Transunion told me to put a Freeze on my report which I did but the two accounts and three collections are still showing on my report as of XXXX. 

XXXX responded XXXX/XXXX/XXXX and said that I did not send the proper information to my FTC Affidavit but I sent the affidavit, notarized and signed by the police report number. They then said that I needed to submit additional documentation as far as my passport, ID or SS # and I submitted all three : The four collection accounts and six accounts due to ID theft on my account are still showing on my report as of XXXX/XXXX/XXXX and XXXX has not responded. 

XXXX responded on XXXX/XXXX/XXXX and removed the accounts, and appeared on XXXX/XXXX/XXXX they were showing again and, the rep I spoke to in the fraud department said it was a glitch in their system it was removed XXXX/XXXX/XXXX and was not showing any of the accounts due to fraud now as of XXXX/XXXX/XXXX three accounts are back showing that were due to Fraud. 

I have attempted since XXXX to get the items removed that were due to ID Theft and submitted the proper documentation for each bureau and nothing has been doing by the credit bureaus. As results, my credit scores consistently fluctuate and the fraud departments are saying that I have to go through a dispute process. 

Why would I need to go through an additional dispute process when I have submitted the proper documentation? Why would they remove the items send me an updated copy and letter stating they would and, then reappear and blame on computer systems. 

I am now seeking assistance and felt like I needed to file a complaint almost a year dealing with reoccurring issues.

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 02-09-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Payoff process

Complaint: I called Capital One on XXXX/XXXX/XXXX to try to resolve an old charged off account for {$900.00} payment today. The account has a balance of {$1700.00} and I spoke with a representative that says that the account is uncollectable and that they can not accept any payment because I had been issued a XXXX for this debt in XXXX. I would like to resolve this account for a paid in full {$0.00} balance to be reported to the credit bureaus. I have the ability to pay, but Capital One says that this debt is now uncollectable and forgiven. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Money transfer, virtual currency, or money service (International money transfer) with SUNTRUST BANKS, INC. (GA).
Issue: Other transaction problem

Complaint: On  XXXX - XXXX -2017 I agreed to pay SunTrust bank {$60.00} to wire {$6200.00} to   XXXX   XXXX   in the   XXXX   XXXX   for my wife to receive on  XXXX - XXXX -2017. All the money never made it to   XXXX   XXXX  . After my wife spent two days going to   XXXX   XXXX   and making phone calls we found out that Sun trust bank sent my money to   XXXX   XXXX   and   XXXX   XXXX   sent the money to   XXXX   XXXX   and   XXXX   XXXX   charged a fee and took it from the {$6200.00}. This money were to be used to pay off a mortgage loan but, by the money being late and never showing up, it cause me to pay an extra {$220.00}. I have called the branch and sent emails. Also I have filed a complaint and called other departments as much as ten times but as of today no one has returned my phone calls explaining why   XXXX   XXXX   were allowed to help themselves to my money without me knowing anything.

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 monetary relief
Consumer complaint received 05-04-2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Struggling to pay mortgage

Complaint: I was trying to remove ex wife from title and they told you to apply for a modification and I was told in order to qualify you will need to stop making payments.   The application process halted because they were requesting income documents from my ex wife. I did not receive written or verbal communication that there were missing documents from your submission and they did not advise of this until you called in to check the status. I was later told they did not contact you because of your ex wife 's bankruptcy. I did not have a bankruptcy and they should be in contact with me, they agreed and updated the system.   I was then told by a different representative a month after my documents were sent that a modification would not remove her from the note and to do an assumption and requested paperwork and you sent in.   They then said weeks later I can not do an assumption because your past due, which was their original instruction. They said they will continue with modification to bring me current, and requested documents I had already submitted. When you advised this my account  manager  had you send directly to her and said had to be that day because foreclosure sale is scheduled for  XXXX .     I was not provided written notice when they initiated the foreclosure process ( due to ex wife bankruptcy ) I was not provided written notice when a sale date was scheduled ( due to ex wife bankrupt cy ) Thi s all started in the middle of  XXXX , they received all documents from me  XXXX / XXXX /  XXXX   but then continually asked for more documents.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MN).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage is with US Bank, I have reached 76 % of the original sales value of the loan and they bank refuses to take the PMI off the loan.I have contacted them 3 times. I 'm not asking for a manual removal, instead the automatic removal should 've been done. Also, I have read the original papers i signed at closing and my Mortagage is not a high risk loan. According to them I will require an appraisal I need to pay to get this done. I have read the Homeowners Protection Act and all the documentation. There is nothing regarding this. 
Thanks for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (CA).
Issue: Managing the loan or lease

Complaint: Mercedes leased a car to me and they refuse to credit me with XXXX {$600.00} payment made to them through bill pay XXXX. I have send proof and more proof on six different occassions they refuse and are hurting my credit by reporting me 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I am wanting to submit a arbitration claim against Equifax for FCRA and Maryland state deceptive trade practices violations. Their arbitration clause states as follows : " Binding Arbitration. Either You or Equifax may, without the other 's consent, elect mandatory, binding arbitration of any Claim ( as defined below ) raised by either You or Equifax against the other. As used in this arbitration provision, the term " Claim '' or " Claims '' means any claim, dispute, or controversy between You and Us regarding any aspect of Your relationship with Equifax , including but not limited to any Claim arising from these Terms of Use or arising from Your use of the Products or this Site or any information You receive from Us, whether based on contract, statute, common law, regulation, ordinance, tort, or any other legal or equitable theory regardless of what remedy is sought '' Their clause also states : ". The party filing a Claim in arbitration must select either the XXXX ( " XXXX '' ) or the XXXX XXXX XXXX ( " XXXX '' ) to administer the arbitration. " As I am sure you are aware, NAF does not perform consumer arbitration any longer due to an out-of-court settlement they have with the Minnesota Attorney General. XXXX refuses to administer any arbitration proceedings with Equifax due to Equifax 's arbitration agreement not meeting XXXX stringent consumer protocols. This is creating quite the Catch-22 for consumers. Equifax does not want consumer initiating class-action lawsuits against them, yet a consumer is unable to initiate an arbitration claim against Equifax due to the XXXX forums listed in their clause not accepting any cases with Equifax. What is a consumer to do? 

A consumer could initiate an action in federal court to compel Equifax to arbitrate, but until Equifax updates their clause to meet XXXX 's consumer protocols, the consumer is pretty much in limbo. I am requesting your agency look into this illegal clause as I feel it violates not only the Federal Arbitration Act ( FAA ), but also Maryland 's deceptive trade practoces act. Thank you.

Company response to consumer: Closed with explanation