milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Please help me understand how the balance for my Navient Loan number  XXXX  increased since the first letter to the Consumer Financial Protection Bureau on  XXXX   XXXX   XXXX .     Date Loan  XXXX  Loan  XXXX  Total  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$47000.00} {$100000.00} {$150000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00}  XXXX   XXXX   XXXX  {$52000.00} {$96000.00} {$140000.00} The following are the loans I have through Navient :  XXXX  number :  XXXX  ( subsidized ) *Loan number :  XXXX  ( unsubsidized ) The original principals were {$73000.00} for  XXXX , and {$130000.00} for  XXXX . I consistently made payments to these loans since  XXXX  when I returned from  XXXX    XXXX   XXXX   XXXX    XXXX   XXXX  and   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: On Sunday XXXX XXXX 2016 about XXXX XXXX I called Capital One in reference to another debt card for my son since his expires the end of the month. I understand it 's not my account but my son has a XXXX in which he can not read and it is difficult to read numbers. So as soon as the customer service representative answered the call my son told him his name and gave me permission to speak on his account. I tried to explain my sons XXXX but the representative was not helping. He was belittling me and my son. My son was not able to read his social security number without my help. The agent would not transfer me to a supervisor he said no supervisor was working and I would have to call back on Monday. The representatives was actually yelling at me and my son. He said his name was XXXX. My son was reminding in the worst way of being special needs! I called back 10 minutes later and ask for a manager or supervisor the young lady was very helpful because the supervisor was on another line. I finally just spoke with that young lady ( customer service representative ) and was put on hold for the supervisor after we finish checking on another card. When the supervisor pick up the phone of course the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Penncro Associates, Inc. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX did not honor our contract agreement and sent me to collections without cause. They eventually sent a letter to Congressmanwoman XXXX XXXX office, but never contacted me. I have made several attempst to contact them but no response. Please not dates of documentation. I have had no gas for over a year and no heat. They sent me to collections and I want them to honor their agreement and remove me from collections and compensate me for all I have spent to keep warm. If they do not, I am filing a suet with my local court. Thank you. CR

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied International Credit Corp., (US) (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I reviewed my credit report and noted an open ( paid ) account for allied international credit union account # XXXX for original creditor XXXX XXXX that was dated placed for collection XXXX/XXXX/XXXX and full payment made XXXX/XXXX/XXXX. I remember an account that I had with XXXX XXXX XXXX, however, the dates were prior to XXXX. Therefore, I was disputing the dates and validity of this account in collections. After sending a letter certified on XXXX/XXXX/XXXX with delivery on XXXX/XXXX/XXXX, I received no response regarding the status of this account as of XXXX/XXXX/XXXX. I spoke with a representative on XXXX/XXXX/XXXX and was told that they no longer have a contract with XXXX XXXX XXXX and have no records of this account. I was told to refer to XXXX XXXX because records would be sent back to them for protection of my account after the termination of the contract. After speaking with XXXX XXXX XXXX on XXXX/XXXX/XXXX, they were not able to find a previous outstanding account with search of full name, address, social security number, and driver 's license number.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to Transunion and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I check my credit scores via XXXX XXXX, XXXX XXXX and Equifax have arbitrarily and with out just cause lowered my credit scores XXXX by 38 points and Equifax by 51 points. I have recent inquiries and am update on all payments. They refuse to take my dispute.

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. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and I have hard inquiries on my Equifax credit report that are fraudulent, unauthorized and not mine. The following hard inquiries arent mine : XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, Equifax Consumer Affairs, XXXX/XXXX/XXXX, Furthermore, the following address dont belong to me : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I was contacted by my mortgage lender because my payment had run late. During the call, the agent repeatedly told me the bank WOULD NOT cash my check, as it was not the amount they were looking for. He then falsely stated that it was because I had a shortage in my escrow ( not that it was the late fee ), and requested that I make a payment over the phone. After doing so, the bank took the phone payment, and cashed the check, on the same day, leaving me overdrawn ( Had only XXXX payment been processed, I 'd have had a positive balance ) After contacting the bank to dispute the double charge, and after having my bank also file a dispute, I was informed that it would be ten days before they could return my money. When I called, later, to inquire why it would take ten days, the bank stated that they held checks for that period, in case of situations where there was an error, like the one I reported, or a stopped check. At this time, I have been 3 weeks with no money, and it has placed my finances in disarray, threatened the health and welfare of my family, and may cause other ill effects. Additionally, I believe the bank has been untruthfully changing my payments, year to year, despite my fixed rate loan. Also, at this time, despite the dispute being started on or around XXXX XXXX, I still have not been reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech Financial LLC, the merger with Greentree Servicing, is harassing me by falsifying that it does not have my XX/XX/XXXX borrower 's assistance application. 

First for over 30 days Ditech caused my unnecessary stress and expense by refusing to acknowledge receipt of my borrower 's assistance form despite my repeated certified letters asking them to acknowledge receipt until Making Home Affordable called. 

Then Ditech harassed me by trying to make me submit a new borrower 's assistance application removing child support because it helps me. So, Ditech is falsely claiming that I have not submitted an application because it does not want to process my borrower 's assistance application for HAMP that it received on XX/XX/2016. 

Then Ditech harassed me by claiming that line XXXX of my IRS XXXX was blank when it was n't. Ditech provided a different address and asked for a new IRS XXXX just like it was trying to make me submit a new borrower 's assistance form. 

Then Ditech harassed me by creating several different addresses for loss mitigation to try and create plausible deniability that it had not received my XX/XX/2016 borrower 's assistance form proven by the tracking information. 

Ditech harassed me by falsifying it needed 30 days recent pay stubs that did not exist to keep from processing my borrower 's assistance application for HAMP. 

Then Ditech harassed me by misrepresenting its XX/XX/2016 denial for HAMP due to my housing to income ratio being XXXX % instead of XXXX % because Ditech would not remove child support as if it is denying my current XX/XX/2016. 

Then Ditech harassed me by theatening that if I do not accept their alleged missed payments they claim happened over two years ago that I will not be in imminent default while they are misrepresenting my current housing to income ratio. 

Ditech harassed me by not providing me a dedicated representative for loss mitigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (AL).
Issue: Deposits and withdrawals

Complaint: The issue that I would like to bring to the attention of the CFPB is that Regions processes ACH drafts before the designated date specified on the draft. It has happened a number of times on my accounts at Regions causing overdraft fees throughout the life of my accounts there. When I question the reps in the call center about the issue, they can not explain why to me. 

Example 1 : Mortgages payments set to come out on XX/XX/XXXX. Draft was processed on XX/XX/XXXX. 
Example 2 : Most every week, I have a draft for {$200.00} for a daycare payment set to come out on Monday. It always comes out on Saturday mornings. 

I have learned what Regions does so I try to be prepared early for the drafts but this practice should not be acceptable for organizations such as Regions. 

Also, if you have a draft that is set to be deposited and it falls on a weekend, then you have to wait for the following business day for that to be deposited but they process the ACH drafts the opposite way and make it where it drafts on the last business day.

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 07/20/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Other transaction problem

Complaint: I notified the company Coinbase ( of which I am a customer and account holder ) that their system had charged my bank account for three withdrawals instead of one like I had initiated. I told them they were showing 3 pending withdrawals for the same amount so I believed it was a system error. I notified them through email on XX/XX/XXXX of the system error. They responded saying I needed to change my password and a few other standard questions they also said they were going to disable my account for 5 days while they reviewed it. It has now been 9 days and I have had no access to my money or the ability to transfer my funds out of the account or sell the bitcoin while it depreciates in value daily. the lower the value the less it will cost coinbase to fund the bitcoins that should be in my account as we speak. I ca n't even verify any of my funds. How is this company allowed to do this? I have emailed them 9 times since the first response ( once every day since they disabled my account ) I have received two automatic responses saying someone would respond soon. That is the entire support I have received from this company holding my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Transunion has refused to send verification of debt, that is n't mine, and they have n't responded to any of my disputes. I have already filed a lawsuit. They have gone against the law by refusing to delete items off of the report that do not belong to me. They had addresses that I had to call and ask them to remove that did n't belong to me. They have literally refused to remove the items off of my report that do not belong to me. I am tired of disputing and have been since XXXX of 2016. I am done trying. I have officially filed suit. The only way that I will withdraw it, is if they remove the items specified in the intent to sue letter. They also refused to remove inquiries off of my report that was removed in the breach earlier this year that they put back on there. Lastly, the only name that should be listed on the report is XXXX XXXX XXXX. That is it.

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 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX did not comply with the Fair Credit Reporting Act, in regards to conducting a reasonable investigation of my dispute against an inaccurate item on my credit file.
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On XXXX XXXX, 2017 I obtained my annual free credit reports from XXXX. I noticed that XXXX XXXX had an account listed about me that is inaccurate. I did not authorize XXXX XXXX to report this account on my credit file. I called XXXX XXXX on or about XXXX XXXX, 2017 to ask them the deleted the account because it is incorrect. I was informed that they could not delete accounts from my credit file that only the credit bureaus could do that. I then contacted the three credit bureaus, XXXX, XXXX and XXXX via USPS Certified Registered Return Receipt to inform them of the inaccurate credit listing and to delete the account. All three credit bureaus wrote back to me stating that XXXX XXXX verified that the information about the account was accurate and that it would remain on my account. I am distressed that XXXX XXXX continues to break Federal and State laws by not conducting reasonable investigations to my credit file when I ask them to which caused damage to my reputation, my credit score and causing me lost opportunities to seek credit. The account I am referring to is : XXXX XXXX # XXXX ... There is no contract for this account. I did not authorize this account to be on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: It is XXXX and I have had 7 calls from XXXX at General Revenue Corporation in XXXX, Ohio already today. 6 calls to my work phone and 1 to my cell phone. 

Several calls are just minutes apart. Only one time did he leave a message on my work voicemail.

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 08-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Application, originator, mortgage broker

Complaint: My mortgage company approached me about refinancing my home loan for Texas property. We went through the entire process of assembling the paperwork, appraisal XXXX a least XXXX times the value of the loan ), credit research XXXX excellent credit ), perfect payment history on the existing loan, etc. The property had to be considered investment property because, though I 've owned it since XX/XX/XXXX lived there until XX/XX/XXXX still have utilities in my name, my family still lives there and it 's the only property I own, I live XXXX miles away managing multi-family property owned by an family LLC. They said I would have to give up my homestead exemption, which I reluctantly did since the lower payments would enable me to pay the higher taxes. No sooner had I done that when they said I could n't get the loan refinanced because I did n't have a homestead exemption on the property XXXX miles away! They said my options were : 1 ) To change all my driver 's license and other records back to my home address ( which would be lying and virtually impossible to do XXXX ; 2 ) declare the property as a second home and since no one can live there but me, kick my family out on the street ; or 3 ) have the multi-family residence that has multiple managers of the LLC deeded to me alone and get homestead exemption there. I DO understand the part about giving up the homestead exemption on the loan property ; but I do NOT understand why they would care about my having a homestead exemption on any other property that is not involved in the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Confirmation # XXXX XXXX/XXXX/2016 We have reviewed your concerns and our conclusions are : " Please be specific with your concerns by listing the account names, numbers, and the nature of your dispute. '' 1. Account Name : XXXX XXXX XXXX ( Debt Collector ) XXXX ( Original Creditor ) 2. Amount {$130.00} This is false and misleading information that you recorded on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (AR).
Issue: Unauthorized transactions/trans. issues

Complaint: On XXXX XXXX th my husband and I went to the ATM at XXXX XXXX in XXXX XXXX, Ar to withdraw {$500.00} from my Bliebird American Express the ATM did not dispense the money but withdrew {$500.00} off of my card. On XXXX XXXX I opened a dispute form with my XXXX AMEX I submitted documents from XXXX XXXX and XXXX that agreed with my dispute. On XXXX XXXX the denied my despute and closed the case. Stating I received {$500.00}. I reopened my dispute as of today XXXX XXXX 2016 I still have not received {$500.00} I call on a daily bases with no resolution. I have even emailed the XXXX of Bliebird AMEX on XXXX XXXX 2016 and I have yet gotten any response. XXXX. My electric and water have been shut off and have been forced to sleep on a friends couch. I have no groceries and my parents have had to feed myself and my family. {$500.00} might not matter to anyone but it 's a huge matter to me. This {$500.00} has turned into over {$1000.00} that I some how have to figure out how to pay back to people. I can be reached at XXXX XXXXXXXXXXXX please I am desperate from some help or if you are unable to help can I please be notified as well. This is embarrassing and extremely depressing. Again I can be reached at XXXX XXXXXXXXXXXX Thank you for your time XXXX XXXX I can provide all the documents that I have confirming my claim

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the XXXX XXXX account many times with all of the credit agencies. They have all removed it except for Experian.

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 09/25/2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Settlement process and costs

Complaint: When I struggled to stay in my home in 2010, my primary mortgage holder HSBC was almost impossible to deal with. In the end, I believe all I received was 10 years added to the length of the mortgage and I was not given a low interest which would have been of more assistance. I was also not informed that I may have a looming HELOC crisis on my second mortgage. I feel I have been misled by HSBC and defrauded by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: the incorrect information on my credit report was not mine it was identity theft as a join account my husband and I. we had previously to the law enforcement. please review the report and correct all negative information they not mine. okay thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation