milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I have been making automatic payments without fail. My payments were {$160.00} and some change. I did not remember to fill out paperwork for recertification for   XXXX   for income based payments. They say that they sent reminders, but that is not true. On  XXXX   XXXX  of this year I opened my bank statement and was stunned to see that they debited {$2900.00} from my checking account. I spoke to an agent of Navient and said that I was going to fill out the required paperwork including copies of tax returns. I faxed the paperwork to them and told them to cancel automatic payments. Yesterday, which was  XXXX   XXXX  I opened my bank statement and realized that once again they tried to debit my account for {$2900.00}. I had an extreme physical reaction. My   XXXX   XXXX   XXXX   XXXX   and. My  XXXX   XXXX    XXXX   XXXX  . I experienced   XXXX   XXXX   and I ended up taking  three  times my normal  XXXX   XXXX   XXXX . I had to lay down to avoid  XXXX . I contacted  Navient  a couple of hours later after I had recovered to some degree. I was told that if their check went through I could start the process of a refund that w ould take two to three  weeks. I checked today and realized that my stop payment had been honored. I think they are absolutely ruthless and that they could of driven me to a   XXXX   XXXX  . I am going on   XXXX   XXXX   of age and that they acted in an irresponsible manner which could have caused significant damage to my health and well-being. They never warned me of what they were going to do and I believe it was their way of getting my attention and disciplining me.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX XXXX, XXXX, an account with XXXX was opened in my name. In order to open the account, an inquiry was placed on my Equifax credit report. 

Shortly after I noticed the fraud, I contacted XXXX about the identity theft and they responded by marking the account as fraudulent on their end. 

Six months later, the fraudulent inquiry was still on my Equifax credit report. I filed a dispute by mail with Equifax who promptly gave me a response saying they inquired with XXXX about the inquiry and determined it was factual. 

On XXXX XXXX, XXXX, I contacted Equifax to find out what my next steps would be and they told me I needed to request that XXXX send a request to Equifax to have the information removed. I called XXXX to make that request and was told that they had already taken all the necessary steps and that they would not be able to assist me any further. 

At this point, I feel like I am at a dead end and have nowhere to turn. I 'd like to get this last item corrected on my report after months of issues with all 3 credit reporting agencies and multiple creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
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 mortgage is with Bank of America. I filed Chapter XXXX bankruptcy in 2012. The BOA mortgage has been modified but has never been with another lender. BOA is refusing to report my payments to the credit bureaus- my payments are always made on time- and this is causing me to have a XXXX credit score. I reached out to them a few days ago and they are still refusing to report the account to the credit bureaus.

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. I have a fraudulent account and hard inquiry listed on my XXXX XXXX and Experian credit report that do n't belong to me. The following account and hard inquiry is fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/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 non-monetary relief
Consumer complaint received 01-05-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Other transaction problem

Complaint: On XXXX XXXX, I purchased XXXX BTC for {$700.00} plus {$28.00} in fees from Coinbase , Inc . The fees were due to the use of a credit card for the purchase. The purpose of using a credit card was the instant purchase - bank purchases take 5-7 business days. The purchase was confirmed, with reference XXXX. The BTC did not instantly arrive in my account. The day was a high volume trade day, and Coinbase , Inc. struggled to stay live, with periodic outages during the day. When the instant purchase still had not cleared on XXXX XXXX, I contacted Coinbase - the transaction showed as " Pending '' online. I requested that the credit card fees be waived, as the " instant '' purchase was no longer instant. I again contacted Coinbase on XXXX XXXX, as the transaction was still marked as " Pending. '' On XXXX XXXX I received an email from XXXX, replying from XXXXXXXXXXXX, informing me he referred the matter to a specialist who would " follow up with [ me ] as soon as [ they ] have an update. '' Two days later, on XXXX XXXX, I again wrote to follow up, having received no response. I again wrote to Coinbase on XXXX and XXXX XXXX, following up on this purchase, which still showed as " Pending. '' Today, on XXXX XXXX, I finally received a response from Coinbase , Inc . They cancelled my purchase, writing, " When we attempted to process this transaction it was canceled by your bank. If your payment method was charged, you will receive a full refund. '' This, it turns out, is patently false. I have contacted my bank and they have no record of any attempted transaction for the amount in question. They have the credit card transaction from earlier that day for the amount of {$1200.00}, and subsequent transactions from XXXX, XXXX, XXXX ( two ), and XXXX XXXX as well as XXXX XXXX. There is no issue with my bank or the card. Coinbase did not process the instant payment for a transaction they confirmed. 

Since the fault is not with my bank or method of payment, I expect Coinbase to honor the purchase of XXXX BTC for {$700.00}, and to waive the {$28.00} fee. As noted above, Coinbase experienced multiple service outages on XXXX XXXX, and I am in disbelief that they wish to blame an external party rather than accept responsibility for their insufficient transaction capacity. Many people attempted transactions that were not processed or confirmed - while that is disappointing, such instances differ from this one, in which I had a confirmed transaction at a time in which Coinbase 's system was functioning.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (WY).
Issue: Loan modification,collection,foreclosure

Complaint: Greentree keeps calling my personal and work number about 10 time a day, use abused threats. Saying their will come an take the house and have me in trouble. They also want to talk to my boss.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: My wife and I reached out to Capital One for a refinance on our home with the option to take cash out. This process has been going on for over 3 months now. Capital One has counter offered my wife and I on several occasions. At first they were going to payoff the 2 cars we have, and all the credit cards we have. Then they called us and told us they could not payoff one of the cars because it 's a Capital One auto financed car. Then they stated they could not payoff 2 of our credit cards because it 's a Capital One credit card. On the second counter offer after the home was appraised from outside " The appraiser never came in to the house for a full appraisal '' The appraiser appraised our home as a 3 bedroom 2 bath. Well we have a 4 bedroom 3 bath. He appraised our home a XXXX. After we told them they appraised our home incorrectly the appraiser came back and this time he came inside the home. After that report he appraised our home at XXXX. Not sure how a 3 bedroom appraises more than a 4 bedroom. Since then we had a neighbor sell their home and we have the same exact square footage and plan and their home sold for XXXX. We also had a licensed realtor come by and he is willing to list our home at XXXX. After the low ball appraisal offer came in from Capital One 's preferred appraiser. We were told we have to hire a realtor and get the comps associated with our area within 1 mile. Before all of this Capital One stated they will be paying our closing cost and they will be paying our title fee. Well after this 3rd counter offer they told my wife and I that we have to pay the closing cost and title fees, not only that we will have to get back 4k-7k on proceeds back to the homeowner. I feel they have lead us on and I feel they have discriminated against us. Not only this deal is not fair but they re-wrote our loan at least 3 times into their favor and not ours. I do feel they just wanted another loan which is with XXXX XXXX onto their books and they were willing to do this by any means necessary. I would like to take a step further and hire a real estate attorney in regards to discrimination. Please let me know if you need any other information. 

Thanks -XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MS).
Issue: Managing, opening, or closing account

Complaint: I applied for a rush card on XX/XX/2015 and supposed to received it in 7 to 10 days. I received my first card but have n't received my other one with my money on it from my department. I called rushcard multiple times and ca n't get any answers. I checked online of XX/XX/2015 and it said I bad {$900.00} on there but when I checked later on it said {$0.00}. I have n't received my card even to get my money.im late on my car note, light bill, and loans I have to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/29/2017 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Other

Complaint: My credit card company, barclaycardus.com, immediately shows charges when I purchase something. However, I made XXXX huge payments yesterday from my bank account directly to barclaycardus.com. Yet neither payment has been posted, nor has my balance been lowered to the much lower " balance '' to which I pay interest on. It 's an electronic payment, just like the charges I make to the card. Why does n't my payment reflect immediately as well? I 'm paying interest on a " balance '' that is incorrect.

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 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed unknown hackers to obtain my personal data. I enrolled in their Trusted ID but it is only available for a year. The risk will last forever. The data they allowed to get out is also available at the other credit reporting agencies. They will charge me to put a credit freeze on my accounts and then take it off when needed. Equifax will not pay for this.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (I do not know) with Account Control Technology, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: On XX/XX/XXXX XXXX XXXX University was notified that they were included in my Chapter XXXX Bankruptcy. They contacted me during this process which my lawyer advised them that they could not collect this debt. Once my BK was discharged in XX/XX/XXXX they continued to still contact me and I had sent them the list of creditors and copy of BK discharge, they sold the debt to a collection company and I supplied the old collection company with the same info and it seemed to stop. But on XX/XX/XXXX I  received a letter stating that I owed XXXX XXXX {$3500.00} to them and my debt has been placed with Account Control Technology , Inc . I dont know what else I can do to show them this debt was discharged and I do not owe it. As stated my attorney explained all this to them several times and has sent them letters. 

I have worked really hard to repair my credit and I do not want this to hit my credit report and lower my XXXX fico score. I am going to try to purchase a house next year and I am watching it closely.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/27/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: The servicing of my mortgage was switched to Caliber in XXXX, 2015. They sent me papers to apply for a modification. I completed the application and sent it back to Caliber with all the supporting documents they asked for. 

I did not hear anything for a while so I called to follow up. They said my application was in process and they would get back to me. I did not hear anything for a long time so I called to follow up again. This time I was told they would have to look into it. It has been very hard to communicate with Caliber because there does not seem to be XXXX specific person assigned to my file and the company is not responsive. 

Caliber has never asked for more documents, and they have never given me a response to my request for a modification. Now they have scheduled a foreclosure sale for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Bank account or service (Checking account) with POPULAR BANK (NY).
Issue: Account opening, closing, or management

Complaint: My complaint is directed toward Popular Community Bank cancellation policy, I closed my account XX/XX/XXXX and received a statement XX/XX/XXXX. I called the bank to verify if my account was closed. I was told both of my accounts were never closed, and the withdrawal slips states it was supposed to be XX/XX/XXXX I called Popular Community Bank after I received a statement XX/XX/XXXX and was to the account was still open, a Auto Charge was placed on my account and NSF Fee {$34.00}. My 2nd account was opened XX/XX/XXXX The representative stated that I will have to file a claim to have charges removed 1st and my 2nd account was both accounts were closed the same time, Popular Bank Rep told me she will place in a claim on the 2nd checking so that I am not charged to close the 2nd account. No transaction had taken place on 2nd 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 monetary relief
Consumer complaint received 03-04-2017 about Debt collection (Medical) with Choice Recovery, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Until XX/XX/XXXX, I have had the same medical insurance for the last 10 years or more. All of the negative activity on my credit report is medical. I do not owe any of those bills. When the doctor 's or hospitals generated those bills to my address, I contacted XXXX, my primary insurer and XXXX XXXX XXXX XXXX XXXX, my secondary insurer. I was told by both agencies that due to the fact that the providers sent their bills in late, they were uncoverable and the I did n't owe anything, as I was n't at fault and 100 % covered. Also, in the case of XXXX XXXX, for example, I was going to his office 3x 's a week for XXXX. How come he only charged me once over a 2 month period? Because his office filed late, I do n't owe him anything, which I explained to his office in XX/XX/XXXX, they told me they would not pursue payment any longer, they lied.. The collections companies that are attempting to collect from me do not have contracts with me. I owe them nothing, none of them. These companies are making false statements and I would like for this misinformation to be removed. I have have continuous medical insurance for 30 years. Only since moving to Florida in XX/XX/XXXX have I experienced agencies falsely saying I owe bills, sending it to collections. Not my fault nor am I responsible for their late filing. If they paid their taxes late, would they be absolved of paying their taxes or penalties? They ca n't continue to hold me responsible for their incompetence and lies.Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/30/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (OR).
Issue: APR or interest rate

Complaint: I have a USAA credit card. I received an offer from USAA for 0 % interest on new purchases until XXXX/XXXX/XXXX. I accepted the offer on XXXX/XXXX/XXXX. I had no previous balance forward on the card, and I paid the entire XXXX/XXXX/XXXX statement in full. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. On XXXX/XXXX/XXXX I was charged {$3.00} in interest on new purchases. Twice I contacted USAA to receive credit for the erroneous interest charges. Both times, the representative agreed that I should not have been charged interest. Both times, I was put on hold off and on for approximately 30 minutes. Neither time was the agent able to issue the credit. The second time I called, I was told that a ticket was opened with the IT department, and that it would be resolved. I still have not received the credit. This is ridiculous. I am no longer charging to this card because obviously they ca n't figure it out. USAA owes me {$6.00}, plus an hour of my life. & lt ; This account was recently converted to a XXXX account, which is the number I am providing. The interest charges were on the previous XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen Loan Servicing. Where do I begin? I have been harassed by Ocwen from the duration of when they began servicing my loan. Actually I would say they are a dis-service, not a service. Recently they have started harassing me about my payment. I have made my payment on the XXXX of the month for over 5 years. I have NEVER missed a payment, yet I continue to get harassed by Ocwen. Additionally I have never been 30 days late on my payment. This even as they could not determine what my actual payment was/is as they continue to mess my loan payment up. XX/XX/XXXX I received a letter from them every week with a new payment amount. They could not get my escrow amount correct or figure out if my rate was increasing and to what amount. Yes I am on an ARM. I spent long hours on the phone trying to find a resolution with Ocwen.This loan was my first mortgage loan I got back XX/XX/XXXX. The property secured by the loan is now an investment property. Unlike many others I have been fortunate and been able to maintain this property and not let it go into foreclosure during the credit crisis. I am in the mortgage business so I understand how everything works. I have been a mortgage professional dating back to XX/XX/XXXX and like many others endured several hard times. I am currently a VP at another Mortgage Company. I would tell anyone that listens that Ocwen Loan Servicing is one of the most unprofessional companies I have ever dealt with. Do whatever you can to ensure your loan is NOT serviced by them, but their service is more of a dis-service.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Credit card) with Allied Interstate LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They continue to call and answer telling them that I am willing to work with them and that they try to get unnecessary information out of me that is not needed for me releated to my issue. I have medical issue going on and have had a reduce income to It and have fallen behind in everything. Everyone else has worked with me except For XXXX XXXX and allied interstate who hassle me until it is unnecessary and they call 18 times a day and not willing listen to what I am willing to with them at and i am just tired of being called On Sunday 18 times and all times of the mornin and night and needed personal informations that they do n't have any business in as credit card company, I just need help on what I can do to have a clear understanding of working with allied interstate and I have been blocking all there numbers coming in when I find out it is them because they do n't want to listen to what I am willing to work with them at they want to do there own thing when every they want.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX Fraudulent 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 explanation