milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NETSPEND CORPORATION (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: NetSpend sent me two separate emails indicating that I should expect a credit card in the mail from them that they claimed I ordered. I did not order any such services, nor have I ever been a NetSpend customer. Upon contacting their dispute team to determine if my identity was stolen, they confirmed that the email was fallacious, and that it was merely a marketing campaign.

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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Around XX/XX/XXXX, I disputed a collection on my Transunion credit report from XXXX XXXX XXXX. I requested an investigation by Transunion. Upon waiting for Transunion investigation to be complete I also sent a validation letter directly to XXXX XXXX. Transunion completed their investigation on XX/XX/XXXX. The results were that the account was verified. I am questioning the verification for several reasons. What information was provided to validate the debt, who validated the debt? My reasons are is, I received a letter from XXXX XXXX XXXX on THEIR letter head with an account number and it also states the letter was assigned to them. The company did not provide any proof from the original Creditor stating they assigned the account to them. I also went as far as to contacting XXXX XXXX who assured me they did not assign an account with my information to a collection agency. I was told again to dispute it with the bureau. ( Transunion is the ONLY bureau reporting this bogus collection ) This account has not met the standards according to the FDCRA as proper validation. Anyone can type a letter and add numbers to it. They also were not able to provide a contact or anything with my signature on it. 
XXXX XXXX did not meet the burden of proof and Transunion failed to complete a through investigation according to FDCRA guidelines.

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 11/27/2017 about Debt collection (Mortgage debt) with Fay Servicing, LLC (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: A mortgage in my name is being serviced by Fay Servicing, an organization which, according to your website, has already overstepped the law as it relates to moving forward with foreclosure proceedings while borrowers are actively seeking help to save their homes. 

Arrangements were made during the summer of 2017 to list the affected home in a short sale. Terms of the short sale were drafted and agreed upon by all parties, and the home was listed and shown to prospective buyers but ultimately was not sold before the expiration of the short sale agreement. According to Fay Servicing, the next step was to reconvene and draft a new agreement listing the home at a lower cost to attract more potential buyers. Multiple representatives of Fay Servicing stated in telephone conversations that they did not want to foreclose upon the property and that they would continue in good faith to find a solution. 

Regardless of these declarations of good faith, on XXXX XXXX, 2017 I received an email from my credit monitoring service that my XXXX credit report had been updated to include that my account with Fay had been marked as foreclosed. Indeed, when I went to view the report, it had been marked " Foreclosure Process Initiated ''. 
A representative of Fay Servicing responded to inquiries about this change to my credit report by saying that it was part of their normal process and nothing for me to worry about. 

Additionally, to date I have not been served with any papers indicating an imminent foreclosure which, as I understand it, are required by law to be provided to the property owner with 35 days notice before any proceedings can be moved forward. 

I would like to point out that your organization fined Fay Servicing, in the amount of {$1.00} XXXX on XXXX XXXX, 2017, for doing exactly what they are apparently continuing to do as of three months after their punishment and most likely up to the present time. Fay Servicing CEO XXXX XXXX was quoted as saying that your consent order included asking Fay Servicing to " comply with mortgage servicing rules '', which they clearly have no intention of doing.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KS).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My family needed to move quickly due to a landlord having no rental license and black mold respitory illness set in as well as gasses coming in house from broke sewage line. I was denied a home everywhere! I find tons of Names, SSN 's, Addresses in states and city 's I 've never heard of, and 176 collection items total dropping my score over 200 pts. I 've sent Equifax, XXXX, XXXX all my Identity documents and more and stated federal FCRA about mixed files. Also XXXX has a company named XXXX who has a Ton of these medical, cell phone, collections. They deleted 7 but left 20 more in XX/XX/XXXX. I should n't have inquiries but do, never had XXXX. XXXX but collections show. My positive history accounts are almost none existent. I need help. This happens after XX/XX/XXXX because in XX/XX/XXXX my Credit was fine. Please help. We need a new car and even buy here pay here 's wo n't lend with a big down payment. They say I need proof of this. I 've shown the names and all that stuff they said it does n't prove ID theft. Never heard of file mixing they said. The amount of medical collections alone you would think I were XXXX XXXX. I 'm very healthy and a XXXX at a XXXX my wife works for XXXX and XXXX here in KS. And similar has happened as well. PLEASE HELP clear my reports. And make them remove all of it or please guide me into suit. XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: I am disgusted how Chase has done everything in their power, in order not to approve my loan for an affordable modification. Based on the home affordable guidelines my loan does qualify. I am extremely upset that Chase refuses to help me to keep my home. According to Chase recent review ; they stated the reason why I was not eligible for the home affordable modification was due to Chase not being able to verify my income, employment, assets, identify and property occupancy based on the information I provided. This is the exact same excuse Chase used in the previous review back on XXXX. However, I appeal and provided proof of my identity and my source of income because at the moment my wife XXXX was the only XXXX working and it was not enough for Chase to approve an affordable trial payment. I was forced to re-apply and was promised a fair review, but Chase only use {$0.00} of my total income to review my loan. I am extremely upset because I had provided time and time again my wife paystubs and the new payroll records from my new job but Chase refused to use our correct income of {$3400.00}. Chase has purposely prolonged my review process by using false information to deny me assistance. I am falling further behind due to false income Chase makes up to review my loan. All I want is to keep my home and to be provided with an affordable payment due to my loss of income. This is why Chase was sued previously for all the false information that was being used in order not to help struggling homeowners like myself. However, in my case I have provided all the necessarily documentation and I keep getting denied. I am attaching my financial sheet with this letter and all the proof necessary to move forward. Hope we can come to an agreement before I seek legal advice against Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2015 about Credit card () with NAVY FEDERAL CREDIT UNION (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Please remove from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Experian would not print my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/28/2017 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (MA).
Issue: Problems when you are unable to pay

Complaint: I took out XXXX loans with big picture loans XXXX is finally paid off the other I am still paying. I needed money to fix my brakes on my car.i borrowed {$200.00} and I have given them {$500.00} so far but the loan is not paid off I ca n't afford to pay them anymore money matters a little. I asked if I could skip next months payment of {$150.00}. Which they let postpone until next month. I think what they are charging is too much. Is there some way to stop paying them anymore. {$500.00} for a {$200.00} loan is a good investment.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Debt collection (Other debt) with ERC (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I just received notice from ERC on X/X/17 in regards to an alleged debt owed of {$1100.00} to XXXX. Please produce validation. This would be the 3rd time that I 've requested validation of this debt of which XXXX continues to violate FCRA regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with ALLY FINANCIAL INC. (NJ).
Issue: Charged fees or interest you didn't expect

Complaint: I totalled my XXXX XXXX in XXXX XXXX. It was paid off by my GAP insurance with XXXX. Ally Financial claims that they were short paid by XXXX. Several months later they are chasing me for the shortage that I was not liable for. They show my on my report XXXX days late and owing {$400.00}, which is not accurate. I am paid in full according to GAP. I am not liable for the shortage if there is indeed 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 explanation
Consumer complaint received 04-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Midland Credit Management sent me a collection notice in XXXX of XXXX. I wrote them a correspondence back explaining to them I do not owe this debt and to not contact me again, in any form. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX by certified mail. They then again sent me a correspondence In XXXX of XXXX, after I asked not to contact me again. I again sent a correspondence explaining I did not owe this debt and to not contact me again regarding this debt. This correspondence was received by Midland Credit Management on XXXX XXXX, XXXX via certified mail. Both times the letters were signed for by representatives of Midland Credit Management. On XXXX XXXX, XXXX, I again received a collection notice on the above referenced debt. I have sent a third correspondence again stating I do not owe this debt and to not contact me regarding this debt again. I have done this three times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I am disputing a collection report for the following reasons : 1. This is negative is continually being updated as a new event and really is not 2. I filed for bankruptcy back in 2004 in which all of my debtors were paid and I have since been discharged by the court. 
3. I have communicated this to the collector and have gotten no relief. 
4. It has been more than seven years since I first disputed this with XXXX

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 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (TX).
Issue: Money was not available when promised

Complaint: I have had a Coinbase/XXXX account for approximately 8 months now, as of XX/XX/XXXX my XXXX account was locked with the message " Attention required! Trading functionality has been temporarily suspended on your XXXX account. In order to restore trading functionality, please contact XXXX " when i reached out to support via email or phone all i am being told is that a specialist has to unlock my account but no one can tell me exactly when that would be. I have read reddit and see i am not the only one having this problem, some people claiming to be waiting upwards of 60 days. I had asked for them to write me a check for the amount owed to me which is around {$6900.00}, I do n't have the exact amount due to not having access to my account. But was told nothing could be done till the specialist unlocked my account. Its going on a month that i am unable to withdraw my funds, i would think it would be borderline illegal to be doing so. Without making a valid attempt to retrieve my account and get my assets back into my possession! Please help

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Making/receiving payments, sending money

Complaint: Chase bank has no allow me to recover XXXX dollars that where transfer by a mistake to a wrong person, they told me that they ca n't recover my money they where alert the same second I receive the notification

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted / disputed with Equifax regarding a inquiry from  XXXX  that I did not authorize. The company refuses to investigate.   I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made 2 payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I started a payment plan XXXX 2014 that was supposed to prevent my student loan from going into default. They kept asking for large sums of money ( $ 7,000- {$15000.00} ) to start it, changing the amount owed every time I called, telling me to ask my extended family, asking why my husband was n't helping and even making a comment on me not marrying someone rich enough to pay my loans for me. After some back and forth with the XXXX XXXX costumer service I got them to start my plan with just the first payment down, which they accidentally double charged us for. After a year they called again with the same story as in 2014 I needed to pay X amount now or my loan would default and I needed to go on this plan to stop it. After more back and forth with costumer service I got the plan started again. This year, now year 3 they started calling again, this time just to keep payments going. I asked them why I never saw my credit report improve after being on the payment plan so long and they informed me my loan has been indefault since 2014. Navient is the " collection '' agency but over the last 3 years they have charged us ( my mother and I ) through both Navient and XXXX XXXX. My mother and I were told several times in the last 3 years this would prevent default and I am finding out today that they do not offer a program to get you out of default, and my only way out is paying off the loan. Which is {$20000.00} more than when I started and has not gone down at all on this plan due to capitalized interest every year. I have tried everything short of getting a lawyer, which I ca n't afford, to get this under control, so I can repair my credit and buy a home. My school is closed and discredited and I ca n't consolidate this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I just received a scheduled foreclosure date from XXXX that my house is scheduled for foreclosure on XXXX, 2017. I called my dedicated Loan Specialist XXXX on XXXX, 2017 to check on the status of my HAMP Loan Modification and left message for her. When she returned my call she did not give me any answer to my call. She only left me phone numbers. I old her in the pass that I can only talk to her about my loan modification and nobody else. Since then I have not heard from her but to get this foreclosure notice. Attached is the foreclosure letter. The letter claimed advertisement is enclosed but there is no advertisement enclosed. 
I checked XXXX paper from XXXX to the time of this complaint the house was not advertised for sale. 
Nationstar Mortgage is not making any effort to modify the loan to a more affordable mortgage payment since XXXX till now. They have been looking for any rabbit hole to foreclose as their intention from the onset was not modify but to foreclose. I did everything they asked me but always come up with lies upon lies which I have disputed many times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/2015, XXXX XXXX diagnosed my computers problem as needing a new hard drive. They told us we couldnt just pay for this repair and would need to purchase a service plan that would cover the work needed. We were heavily persuaded to purchase a 3 year plan of nearly {$350.00}. Plus purchase the additional hard drive, which was not covered in the plan. 

When they went to install, they realized that the hard drive was, in fact, not the issue and the motherboard needed replaced. This assessment forced us to junk the computer and purchase a brand new one. We have been trying ever since to be removed from the service plan and receive a refund for it. We even offered to pay for the labor hours, but have been denied at every turn. 

XXXX XXXX roped us deceptively into a contract under the pretense of need. When that need was proven false, they refused to allow us out of the contract. Oh, and to add insult to injury, when we took our dead hard drive to a retrieving service to get our precious data from it, it was found that the blank new one was still in it. It took XXXX XXXX two days to even find our actual hard drive, which they never returned to the housing. 

We have never used this service for anything else and essentially paid {$350.00} for a wrong diagnosis and were forced to buy a new computer anyway. We tried repeatedly to receive a refund from XXXX XXXX, Best Buy, and Best Buy Credit. We were brushed off at every attempt. Since it was a credit purchase yet paid from pocket, I continued to make payments on the account until only the disputed funds remained unpaid and simply stopped making payments at that time. My credit report will show that this is not typical behavior for me and Im not trying to just avoid paying my debt. 

We are currently being sued by the collection agency representing the debt, and have since acquired documents from the original creditor containing fallacies regarding the transaction. These lies assert that work was done when in fact, they're charging us {$350.00} for a diagnosis.

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 10-06-2017 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: This credit bureau decreased my credit score over XXXX + points when a delinquent account was removed from my credit report. Should n't my score increase instead of decrease or have I read all credit reporting wrong??? 
This credit bureau is constantly messing up my reports, scores and monitoring them is a job in itself. 

Credit score should INCREASE not DECREASE if a delinquent account is removed.

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