milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NJ).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: i had to go to an XXXX XXXX XXXX on XXXX XXXX 2017. while there, someone i rented a room from used one of my trusted devices to access my netspend debit card account, among other things, she blatently transferred {$200.00} from my account to her sister 's account. ( i checked from a payphone at the program ). After the phone inquiry, i opened a dispute. the company required me to send them an email ( not allowed in the program ) to get credited for the remainder of the investigation. Long story short. the company sent a letter with alot of transactions but not the main one in question and stated that there was no irregular usage of the card or account which was false as i had NEVER transfered any acount to account funds and that alone should have been a red flag. There is also the question of why wasnt that specific transaction shown in the original mail they sent ( they sent 2 to the program ). im finally out of the program now and did a follow up on the issue and appeal their decision. i got a response that i would get a reply in 48 hrs ... its been almost 2 weeks. 
its really troubling that i explained to the operator the situation about the XXXX XXXX in detail about response times i am allowed, follow ups, and lack of internet access. it seemed as the operator was just in a hurry to end the call.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage load provider " Nation star '' did not pay second tax installment for year 2012. I got notice from XXXX XXXX County Tax clerk saying that the tax for 2012 is sold and tax redemption needs to be done quickly and they had put in lot of penalties. I informed my mortgage company is not helping and not acting quickly to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: After being a Coinbase customer since XX/XX/XXXX, on XX/XX/XXXX I noticed I was no longer able to log into my Coinbase account as none of my 2fa codes were working. I went through all the appropriate troubleshooting recommended on the Coinbase website. I was unable to reach anyone at Coinbase by either phone support or emailing customer support, and the Coinbase ID verification servers were malfunctioning as posted on their website with no timetable for being fixed, preventing me from accessing my account that way. As every option to remedy this problem was exhausted, I wanted to ensure my account was secured so I submitted a request on XX/XX/XXXX to lock my account and was told an account specialist would be reviewing my account and contacting me shortly. Since that time, I have spent a total of 6 hours on hold via 8 separate phone calls just to eventually either get hung up on by multiple customer support agents or have them answer and say there is nothing they can do to help. I have sent multiple emails with only generic responses and empty promises that someone is " looking into '' the issue. One Coinbase phone representative I spoke with said that it was impossible to give me an estimate on how long it would take to get my access restored to my account, and there was literally nothing she or anyone else could do about it. She also refused to let me speak with a supervisor, saying that she did not have one there. It has now been 26 days since I have had access to my funds, despite extensive effort on my part to regain access.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TIDEWATER FINANCE COMPANY, INC. (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Several unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Equifax failed to correct their error on 2nd mortgage from XXXX that the loan was paid off full. They claim from XX/XX/XXXX to XX/XX/XXXX late payments however they failed to honor the letter from that company. Company letter state clearly loan paid in full without any late payments. 
Second issue XXXX XXXX XXXX XXXX went out of business in XXXX, KS and their credit card issued is closed based on closure of company with no payments or balance. 
Third issue since Equifax breech they all of sudden change my credit rating from XXXX as of XX/XX/XXXX down to XXXX currently without reason or justification. Since the breech I 'm on a temp watch on this company but I do have other agencies watching my credit since their system failed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SUN WEST MORTGAGE COMPANY, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/2015, I submitted payment for my XX/XX/XXXX mortgage via the only option that SunWest Mortgage made available to me for sale day payment -- XXXX XXXX. I have a receipt that I paid the mortgage on XX/XX/XXXX at XXXX and that the money woudl be delivered in minutes. For whatever reason, SunWest did not process the payment for an additional day, thus they claim I was late with my payment. I have attempted repeatedly to have them correct the erro, without success. Thier default is  that its not when I pay but when they process -- however, I can not control how fast they process -- only when I deliver the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Closing/Cancelling account

Complaint: At some point towards XX/XX/2016, Bank of America claims to have sent me a letter requesting additional account information. This letter was sent without any proof of having been sent or received. Upon " not hearing from me '', they closed my credit card account, and took my XXXX rewards points ( worth roughly {$250.00} ) Although this bank has my email address, phone number, and an alerts section on their website, they used none of these methods to contact me. My statements also have no mention of this letter, or afterwards, the account having been closed. Note that I was a cardholder for 12 years, with an excellent credit rating, and an account in good standing. 
This has the potential to affect my credit rating as it reduces my available credit, closes a line of credit, and I 'll need to open a new credit card account as well. I tried calling to resolve the issue but they would let me neither reopen the account nor reinstate my reward points.

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 04/14/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: false information, this collection it 's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: TWO YEARS IN A ROW ALL THREE REPORTING AGENCIES HAVE GIVEN ME THE RUN AROUND ONLINE..TRANSUNION AND XXXX SAY I HAVE ALREADY RECEIVED MY FREE REPORT ( WHICH I HAVE NOT ) AND XXXX SAYING I HAVE TO MAIL IN MY REQUEST, WHICH IS BECAUSE NONE OF THE SECURITY ANSWERS WERE CORRECT ABOUT ME .. I HAD TO ANSWER " NONE OF THE ABOVE " TO ALL ANSWERS ... I BELEIVE ITS ALL ON PURPOSE BECAUSE WE CAN DISPUTE EVERYTHING ONLINE AND IF WE HAVE TO MAIL IN A REQUEST OR PAY FOR IT PEOPLE WILL NOT PROCEED WITH THE DISPUTES OR WE WILL HAVE TO PAY FOR THE REPORTS AND THEY CAN GET OUT OF GIVING US OUR REPORTS FREE AS PER FEDERAL LAW..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with GreenSky Trade Credit, LLC (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX/XXXX/XXXX - Received letter of 30 days past due from lender. XXXX/XXXX/XXXX - checked bank records and showed payment made XXXX/XXXX/XXXX. Called to find out what the issue was. Determined that I had unintentionally been short paying on the loan since XXXX. Made a payment of {$250.00} while on the phone with customer service and was told that that amount would rectify the short pay. XXXX/XXXX/XXXX - sent XXXX payment for {$240.00} to keep current. Found collection calls made in XXXX on voicemail of home phone that no longer is primary contact number. XXXX/XXXX/XXXX - received notification from XXXX XXXX that my credit score lowered. Checked information and found out that  XXXX had reported a 30 day late on my credit report. XXXX/XXXX/XXXX - made call to XXXX ( Greensky Credit ) and spoke to XXXX regarding the reporting on my credit report. She then gave me to her Supervisor XXXX who refused to correct the credit reporting. Told me they are obligated to report regardless of the special circumstances. XXXX/XXXX/XXXX - Called again to speak to XXXX, she was n't available so I spoke with her team member. Same story ... will not recant on the credit reporting. I do not have an online account with them. I pay them through my online bank bill pay service and do not receive mailed statements from them. I do pay them faithfully the first of every month. I had no idea that I was short paying the past year. I received no notifications of short pay or missed payment until XXXX XXXX, XXXX. When I tried to rectify my mistake they took payment and told me that would resolve the issue. It was an aggregate short pay that resulted in an eventual missed payment that was reported 30 days late even after rectification. I do not take my credit score lightly, it is the only reputation I have in the free world and I make every attempt to repay my debts on time. I feel victimized by their system and do n't believe that I am getting the consumer protection I need. I feel that they should have noticed me when the first short pay was received via U.S. mail and given me the opportunity to rectify the situation when it happened or allowed me the benefit of the doubt when they told me it was rectified upon payment on XXXX/XXXX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: BETWEEN  XXXX    XXXX ,2017  THRU  XXXX    XXXX ,2017  I HAVE OVER  XXXX  UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT I SENT LETTERS TO ALL .AND ASK TO BE REMOVED FROM MY CREDIT FILE. IF YOU SEE MY CREDIT FILE YOU WILL SEE I HAVE HAD FRAUD ACTIVITY BEFORE ON MY ACCOUNT WHERE I PROVIDED A POLICE REPORT. PLEASE REMOVE FROM MY CREDIT FILE THESE UNAUTHORIZE INQUIRES

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 04-07-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My Equifax credit report information is intermixed with some one else 's. I sent XXXX Certified letters to Equifax that they have received, seeking corrections to my credit report. They sent computer generated response seeking information that I felt uncomfortable sending through the mail. The letters gave enough information to contact me directly, which they have not done. The information on the credit report is so wrong and interspersed with some one else 's information that direct contact is the best way to resolve the errors. 

I have been in contact with the other person through information on the credit report and he is also trying to correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In XX/XX/XXXX I started repaying my loans. I have always paid more than what I was required to pay monthly. Navient, my loan servicer wasn't handling my over-payments in a way that I felt best benefited me. So I called and got a run around. I was ultimately provided an advocate. 

The advocate failed to get the job done and did little more than hear my complaint. After about 6 months, I called again as my payments weren't going where I told them to go. The advocate got frustrated with me and then I was assigned a new advocate. At that time I created an automated email to go to the new advocate so that Navient would have a proper list of exactly the locations where I wanted my payments to go. 

Flash forward a few months, and I learn that Navient was disregarding the directive emails. I called livid and was assigned a new advocate and this time was promised that they would do what I asked. So now it is early XX/XX/XXXX and my payments are supposed to be retroactively reapplied. I asked for a comparison of before and after application that way I can verify their work. I was told they can do that. 

Flash forward a few 10 months, I am told by my advocate that Navient made the proper appropriations and magically my account history is no longer retrievable. I lodge formal complaints and get nowhere. After about 6 months of hem hawing with XXXX XXXX, my new advocate, I am able to retrieve my account history one time online. I look at the history, but nobody at Navient is able to provide me a ledger so that I can compare before and after the changes. Flash forward to late XX/XX/XXXX and I am provided a 147 page PDF of pictures of a ledger that isn't labeled and I am told that is the best Navient can do. Plus I still can't routinely access my account history. 

Couple all these problems and it makes for disenfranchisement. Add to that, the fact that Navient doesn't keep a ledger balance for any student published. They keep it for themselves, but if you want to know to the day what your balance is, you have to guess as even the advocates can't say for sure. I don't know if what I owe is accurate. Navient is no longer responding. I have asked to speak to management and at this point I am looking to speak with them or executive leadership. This isn't how business is supposed to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (LA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have attempted to contact the company to clear this debt and gotten no response. I believe it has been cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have never done business with Ad Astra Recovery Services. I do not have a signed contract not any contract with Ad Astra Recovery Services. I have the right to demand to see a signed contract between Ad Astra Recovery Services and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a notice stating that I had already been sent a debt validation letter, but I had never actually been sent that letter. If the company had actually sent me a debt validation letter, I would have been able to dispute the debt. It claims that I owe money to  XXXX   XXXX , but my billing history shows that I paid every bill.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been going on with this cycle with Navient/XXXX since I graduated back in 2008. I was unable to get a job in my field, and the XXXX XXXX XXXX I went to cut my program short ( due to lack of returning students ) so I was unable to obtain a XXXX XXXX to get the job I was studying for. Had to work minimum wage, and temp staffing. Was never able to make my full payments. I 've resorted to Sending what i could afford, only to get hit with XXXX in late fees each month each time my payment was n't enough. I tried forbearance/deferments which only ballooned my payments to about XXXX per month for both my private and my federal ( now consolidated ) loans. I am harassed daily and am about to be in default, despite me still sending them all I can afford. They said they were trying to reduce my payment but it was still about XXXX of my net pay for the month. Once I got hit with paying my own medical expenses, it only got worse. The daily harassment is an ongoing focus on my XXXX as I have often considered XXXX to escape this debt sentence.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (I do not know) with ARC Services (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.

Company response to consumer: Untimely response
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: This complaint is against TransUnion the credit bureau. Their service to put a credit freeze in place is deceptive and unfair in that in the terms and conditions of the service there is no schedule of fees disclosed.. In signing up to schedule a credit freeze, it appears as if this is a free service until the end of the 'checkout ' process and there they list an add-on fee of {$10.00} that applies when you want to lift the credit freeze. This is not clearly disclosed in the initiating the service and is a practice that is not supported by the other credit bureaus. 

Now that there 's been the XXXX security compromise, consumers are scared about what will happen to their credit and this is an abusive fee that is penalizing us for taking proactive and preventative actions. Please work to remove this fee entirely or to waive it for those affected by the XXXX breach.

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 08-08-2017 about Student loan (Federal student loan servicing) with LoanHero, Inc (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Loan Hero contacted me claiming/stating they was part of the federal government. They said that I can re finance my loans with the government. They stated that the service was free. They told me that I would have to make a separate payment and that payment will be the interest and that I will make a regular monthly payment for my loans. But the separate payment was n't for the interest it was for the fee they charge me to set up my repayments. After I made 1st payments and started receiving letters for the fed loans ( government ) they said that the service is free and that loan hero never should have charged me. Loan hero is using a collection agency to collect {$1300.00} from me. I attempted to not pay and tell them the service was suppose to be free and that loan hero lied to me / mis lead me but they threaten to ruin my credit if I did n't pay. They said they have all personal information including my ss #. 

Loan Hero mis lead me into thinking that the {$1300.00} was not a fee and it was part of my loan interest. But in reality the {$1300.00} was a charge for them to obtain my personal information and forwarded it over to fed loans ( Government ). Loan Hero charged me for a service that suppose to be FREE.
I did attempted to resolve this with Loan hero and XXXX XXXX XXXX. But companies threaten to ruin my credit, sue, etc if I did n't pay.

Company response to consumer: Closed with monetary relief