milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/26/2015 about Mortgage (Other mortgage) with Eagle Home Mortgage, LLC (CA).
Issue: Application, originator, mortgage broker

Complaint: With our move to California we purchased a new home using the mortgage arm of the builder Universal Home Mortgage. Before we signed a contract with the builder we made sure everyone knew our closing expectations. We had a tight deadline to be out of corporate housing and it was communicated to all parties engaged. While our loan was not a standard vanilla file, most of the documentation had to be sent XXXX or XXXX times. In many cases I would forward the prior emails attaching the documentation needed. When it came down to closing they still hand not heard from the investor so they proceeded with self funding but before they would agree to do that, they had us sign a Cooperation Letter basically stating that we would cooperate with them after the closing on any documentation needed. Once we closed on the property the list of requests started to increase, they wanted checking and investment account statements for post closing, asked for additional letters of verification from my XXXX account and then stated that some of the documentation I provided was screen copies versus actual statements ( which was totally inaccurate ). I resent all the documentation they asked for again while receiving emails asking for status of the outstanding data. The builder side of the equation was fantastic, they made our home buying experience great. The President of the building division called and allowed me to walk through the challenges we had. He suggested I send the information to UAMC 's President ( which I did, but have never received a call or email back ). The more I questioned their processors it seemed the more documentation they would ask for me to supply. Today I sent them the last piece of documentation I was waiting for from XXXX. I am hoping that I can now consider this chapter in our lives closed, but hope and pray that no one else goes through the nightmare that I went through. Multiple copies of the same information, being told what I sent was not really what I sent and questioning every aspect of the documentation. I could see someone losing XXXX or XXXX pieces of data, but almost everything had to be sent at minimum XXXX and more like XXXX times to them. Their phone interaction was short and abrupt, customer service was not their strong point.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Credit card) with Continental Finance Company, LLC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: This is in reference to a delinquent credit card account, Verve Card. The debt collector, XXXX XXXX ( the name they gave me ) have called me numerous times threatening me that they will suspend my drivers licenses and vehicle registration, they will put a lien on my property, will take me to court and threatened to have me arrested for fraud ( which it is not fraud ). They call from several different numbers and even call from local numbers. In every call they repeat the same threats. I told them to email the information to review it and not once have I received the email. Nor did I receive any documents in reference to the account. I have taken the steps and contacted Florida Dept of Motor Vehicles and they confirmed that debt collectors could not suspend licenses/registrations. I am fed up with being harassed by this company and their employees.

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 explanation
Consumer complaint received 12/20/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have received, today ( XXXX XXXX 2017 ), 15 calls from XXXX since XXXX this morning to my personal mobile number. ( Just from this number.. other numbers have also tried to contact me. ) That was today. This same number has contacted me countless times within the last few weeks, which I 've tracked, since I missed a payment last month ( XXXX ). I refuse to answer the phone, due to the fact I have other outstanding defaulted loans with other lenders and am never sure if I answer the phone to an unknown number if I reengage my statute of limitations for harassment calls. I knew this particular harassment was due to missing a payment, and had planned to rectify the issue with my XXXX payment. The fact these calls continue to increase, to this extreme is harassment. It is disruptive. These calls continue to reach me during the workday. This evening, at a holiday office gathering, my phone was not on silent, and not near my person. The phone went off NINE times in 50 minutes. Colleagues thought there was an emergency. This is not an emergency. 

When I answered the phone, finally, at XXXX, I immediately charged the caller with harassment. The caller/collection agent, simply hung up on me. She was unkind, and dismissive to my claims she was harassing me. 

I understand I am behind. But I did not realize I needed to be harassed this way just to pay a {$60.00} past-due balance less than 30-days past-due.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NETSPEND CORPORATION ().
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX XXXX submitted her debit card information to XXXX credit report information. XXXX no longer has a credit card because she has great credit. XXXX closed her credit card information as soon as she received her credit card.

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: On MondayXX/XX/XXXX I tried ( all day ) to place a freeze on my TransUnion credit report. ( I successfully placed a freeze on my XXXX and XXXX early on that day in a matter of minutes ). I tried both on line and through the voice system at XXXX. When I would get through to a person they would tell me I had to order a credit report online from TransUnion because I had n't ordered one since XXXX and prior to that XXXX. I actually tried on order a TransUnion on line credit report and answer their identity questions - when it would get hung up and keep asking me a nonsensical question and then eventually said they were experiencing technical difficulties??? ( I actually order a TransUnion credit report later in the evening over the phone with XXXX at XXXX. ) TransUnion said they needed me to order the credit report on line in order to confirm my identity since they could not access my information. However they were obviously looking at my information since they knew when I had ordered prior reports!!!! Again I had earlier placed freezes with the other two credit reporting agencies with NO problems. I eventually ended up getting told to call several different numbers at TransUnion XXXX, XXXX, XXXX, XXXX. Every time I reached someone they said they could n't help me unless I ordered a credit report online. They said they could n't verify my identity unless I ordered the report?? However they obviously knew who I was because they sent me several emails referencing an order # and telling me to contact them at XXXX if I would take the offer at the bottom of the page for a subscription credit monitoring service for $ XXXX. I already have credit monitoring through XXXX because of previous security breaches at XXXX, XXXX XXXX and the State of South Carolina and I know that as a Georgia resident over the age of XXXX I am entitled to freeze my credit report for {$0.00}. All I want is for TransUnion to place a security freeze on my credit report just as the other two agencies have. I know TransUnion is trying to sell me their services but I do n't want them and I certainly would n't order anything from them after this run around.Thank you for your assistance with this issue.

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 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: AFNI is reporting that I owe XXXX {$1400.00}. This account could not belong to me, as it was opened when I was still a minor. I have contacted AFNI on several occasions to alert them of their error, and even disputed this account with the credit bureaus. Unfortunately, AFNI will not remove this mistake from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Prove to me that the inclusion of this complies with this ferdersl law, or remove it. Correct?

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 07-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I called today to inform the credit agent XXXX ( male ) to please submit my dispute to report the correct Account History field to read, " Debt included in Chapter XXXX Bankruptcy was filed, and reported to XXXX XXXX XXXX in XXXX XXXX! Experian continues to report incorrect information on my credit profile. Experian is not properly validating the true file date of my BK-XXXX to be XXXX XXXX to be reflected onto the ACCOUNT HISTORY field of my report, but keeps reporting the incorrect BK-XXXX date as XXXX XXXX, XXXX. The credit agent, XXXX flat out " refused '' to put in my request to validate and confirm the correct BK-XXXX file date to XXXX to show XXXX XXXX and NOT XXXX XXXX and not reflect any late payments prior to filing BK-XXXX is WHY its very important to change the Account History date field on my credit report. Please make the necessary corrections, this is to stay on my file until XXXX XXXX, and I want the revision completed immediately! I have submitted documents from their database to show the discrepancy and to fix it right away. I have also left a message ( XXXX, for XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to make this correction and re-insert this account back onto my account that was not supposed to be deleted off of my XXXX report # XXXX, dated XXXX/XXXX/XXXX. it 's not supposed to be removed off any of my credit reporting accounts. Why are these companies getting away with violating FCRA laws? I am tired of the deceit and unlawful credit reporting that is done behind my back! These credit reporting agencies and XXXX XXXX has created costly damages to my credit scores that I will not be able to regain nor recover from XXXX XXXX. According to their letter dated XXXX XXXX, XXXX, XXXX XXXX was to re-insert the trade line - it was not done and does not show in my XXXX report at all ... ... Will you please assist me in this matter? Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I lost my job XXXX XXXX. I called today XXXX XXXX to seek options. I was told I exhausted all options and had no choice but to pay. I can not. I collect unemployment. 

I would like to pay my loans and will as soon as I am employed again. Please help me negotiate with Navient as they do not with consumers directly. I was made to feel as though I were a " Low-life '' for asking for help. The representative was argumentative and completely unhelpful. Please help me. My next payment is due XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I requested a Wire Transfer Withdrawal from Coinbase.com on XX/XX/XXXX for {$2400.00}, and it showed as completed in my Coinbase Account History the same day. 

The reference code for the request is XXXX and the reference code for the wire transaction in history shows as XXXX in Coinbase. 

Yet, I have not received the money in my bank account. My bank said there has not been any incoming wire activity recently. I have my bank statement attached, showing all activity from XX/XX/XXXX to present. There has not been an incoming wire transfer from Coinbase. 

I requested this wire transfer before the site said there would be delays with wire transfers. It has been 11 business days now. At first, they made a status update on XX/XX/XXXX that wire transfers will be delayed by 3 business days. Then on XX/XX/XXXX, they said 5 business day delays. Then on XX/XX/XXXX, they said 7-10 business day delays. 

I have opened numerous support tickets, contacted Coinbase employees on social media and XXXX, yet none of them resolved my issue or even acknowledged it. 

I have done many successful wire transfer withdrawals and ACH withdrawals with this same bank account on Coinbase, so it is not user error. The attached statement shows that I did successfully receive an ACH withdrawal from Coinbase on XX/XX/XXXX for a different transaction ( proving that they have my correct account ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have a private student loan with Navient. A repayment amount was set and I tried to see if it could be lowered several times to no avail. I continued to struggle to pay the aount of XXXX every month. I signed up to have the money deducted automatically out of my checking acount. In XXXX 2017 I noticed that no amount was withdrawn from my checking account from Navient, so I contacted customer service to to inquire why that was. They told me that they were checking into the issue and would get back to me ; That did not happen. Then it happened again in XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Today XXXX XXXX, 2017 I received a letter in the mail from the collection company XXXX stating that Navient has sent me to collections. How is it that I am sent to a collection agency when I have made payments on time and attempts to figure out why the payment ceased to be withdrawn from my account?

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
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: I received a recent response back from Experian concerning a dispute and they state the account I disputed was " updated '' however I supplied them with a letter from XXXX where they are stating they are not responsible for the account. My credit report lists XXXX XXXX on the report however the contact phone # sends you to XXXX. The account is not able to be verified and by law if an account ca n't be verified it must be removed. Also, XXXX filed for bankruptcy in 2013 so you ca n't contact them as well. The account must be removed immediately due to this issue.

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 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with OCWEN LOAN SERVICING LLC (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed chapter XXXX bankruptcy with exemption that I would reaffirm the debt of my XXXX XXXX XXXX motor vehicle and our. property service by Ocwen Loan Servicing I claimed as exempt was retained an pay as to contract.But both are closed in my credit report because of chapter XXXX bankruptcy which .I have never stopped making payments because they were both retained they were not part of the bankruptcy..No payments are been reported by either company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2016 about Debt collection (I do not know) with New Century Financial Services, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a notice of application for wage execution from this law firm through the courts but the notice did not say who the original debtor was, how much was owed, did n't even mention an account number so I could verify. They only mentioned that they would take 10 % of my income but did n't say for how long or what the total amount is.

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 07-09-2015 about Payday loan () with Enova International, Inc. (VA).
Issue: Can't stop charges to bank account

Complaint: In XXXX, I needed a loan in order to pay my rent. I am XXXX retired XXXX veteran, largely living off of my XXXX pension. Cashnet USA, the Pay Day XXXX loan company I borrowed from, initiated predatory repayment practices immediately. They deliberately schedule automatic debits from my bank account before the end of the month, not even on the last day, with the obvious purpose of forcing customers into collection status. They essentially intercept my XXXX payment now, because my account is charged almost immediately after I receive my XXXX payment. They charge such a high interest rate XXXX 299 % ), in addition to various fees, that my balance only goes up, rather than down, even with regular, large monthly payments. 

My last payment was {$410.00}. They have nearly reached a 100 % profit mark through my repayments. They forced me to borrow more, when I did n't wish to, because they intercepted my XXXX payment one month when I relied on that exclusively. I had no other means of paying for rent and food, and was forced to borrow again. Their system keeps me XXXX and others ) in permanent debt, continually leeching money from bank account. I can not get them to stop, but if they do n't stop adding unfairly large interest, I can never pay off the balance in full, which is the only way to end their abuse of me. 

I would gladly pay the balance, if they would only stop increasing it every month, but I can only do it that if they do stop. It became clear to me that this is exactly the result they intend to create, especially with the fact that they debit the account so early, before most people are paid. I believe I have acted in good faith, and that they have trapped in this system of theirs. Had I realized that they designed this system to be inescapable, I would never have applied. 

I am writing this as a plea for help, for arbitration, to get this predatory company to leave my federally protected XXXX pension alone. My bank is XXXX XXXX XXXX, in Virginia. They are unable to stop Cashnet USA from debiting my account repeatedly, without my signing an affidavit of fraudulent activity, which I am not sure is appropriate, as I entered into the agreement voluntarily ( although misled by Cashnet USA XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XXXX XXXX, XXXX, I submitted a complaint about American Express regarding my credit card account to the CFPB. This was a last ditch effort after over a month of trying to start a payment plan with Amex. 

American Express had threatened to ruin my credit. In that complaint, I proposed a simple repayment schedule - see Complaint Detail ( attached ). I have called and asked for assistance, payment plans, structures, etc. many times. I even wrote the president of the company. ( attached ) on XXXX XXXX, XXXX. 

After I contacted the CFPB, American Express sent me a response. Part of it is as follows : " We have not reported this account to the consumer credit reporting agencies We sent the enclosed letter to you XXXX XXXX, XXXX explaining that we will defer placement of your account with a collection agency providing that you contact us to agree upon an acceptable payment plan. Because this is a Small Business account, we have not yet reported this account to the consumer credit reporting agencies. '' Obviously, I have tried multiple times to contact American Express. This response does contain a bold face lie. American Express did, in fact, report this account to the credit reporting agencies causing my credit score to drop over 100 points. Please see attached screen shot from XXXX. 

American Express did follow through on their promise to ruin my credit even though I have done everything in my power to resolve the situation. This is the kind of bullying and bad faith business practices that should be no part of our financial system. 

I simply want to repay this debt over several months and have no negative credit due to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Account opening, closing, or management

Complaint: I have filed a complaint about this bank account earlier today and the confusion and lack of transparency and predatory practices. I have charges that are on XXXX/XXXX/2016 how can a charge post in advance?

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2018 I went to XXXX XXXX with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.

Company response to consumer: Closed with explanation