milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello two months ago my Credit score was XXXX and Today it is reported as XXXX 0r XXXX. I want to know why? All of my accounts are current and up to date:1. I should have XXXX credit card lines = all up to date and current XXXX with a XXXX Balance Never late2. My name should be spelled correctly ( XXXX XXXX XXXX ) 3. I have a car loan all up to date never late4. Public Record? would need to know what is there5. A personal Loan ( up to date and NEVER Late ) Why is my score so low?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Settlement process and costs

Complaint: We received a final closing disclosure for our mortgage with JPMorgan Chase on XXXX XXXX, 2016, four days prior to our closing on XXXX XXXX, 2016. We noticed immediately that there was no line item for " State Mortgage Tax '' and subsequently no costs associated with it. We contacted our mortgage bank who could not immediately provide an explanation about the missing charge, but promised to look into it. On XXXX XXXX, 2016, less than 72 hours prior to our closing, we were issued another closing disclosure, this time including the " State Mortgage Tax '' with an associated cost of {$17000.00}. The reason we were issued this second disclosure, we were told, was to avoid any delays in the closing, with a promise that the discrepancy would be resolved at a future date. 

After our closing, we were issued an explanation that the first disclosure we received was actually a " draft '', and that the bank had purposely not included the " State Mortage Tax '' line item, and had for all intent and purposes planned to reissue another closing disclosure that would act as the " final '' disclosure. This struck us as odd since the there was no indication that the first disclosure was a " draft '' : there was no watermark indicating " draft '', " initial '', or " preliminary '' CD. Indeed, the very top of the document states " This form is a statement of final loan terms and closing costs '', giving us an assurance that this was truly our final closing disclosure. The supposed " draft '' and " final '' closing disclosures were actually exactly the same except for the " State Mortgage Tax '' line item. 

When questioned about this, Chase stated that a " draft '' CD is not a document that is typically provided to the borrower and it is watermarked " draft ''. They claimed that the first closing disclosure was an " initial '' disclosure, and the " final '' disclosure is provided at the closing table, and that there is nothing on a disclosure indicating that is it an " initial '' version. Additionally, Chase claimed that they did not need to technically re-issue the second closing disclosure until at the closing table, even though there was a discrepancy of {$17000.00}. 

After further questioning, Chase finally admitted that an error was made and that the " initial '' closing disclosure should never have been sent out. Even while admitting this error, Chase maintained they are not liable for the discrepancy. 

It is our understanding that mortgage taxes are XXXX tolerance line items that can not change from issuance of a closing disclosure to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX took me to court for late rent, I was on a program called Section 8.My rent was {$1100.00} amount and Section 8 paid {$480.00}. Landlord took me to court for {$610.00} which I had the money order when I went to court but the landlord did not show. After living there over 5 years I explained to the judge that the landlord was sealing the home and did n't give me proper notice to move out.The landlord know I was going to bring that up in court so he did n't show. CASE WAS DISMISSED, so what the landlord do is turn around and put it on my credit report stating I owe {$3500.00}. Landlord is now stating carpet, paint and unpaid rent he now stating was {$360.00}. HE IS NOT TELLING THE TRUTH ALL THE WAY AROUND. If I owe all this way he did n't show up in court and when he filed why he did n't state I owed all this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX. 

When i signed up for the school they promised top of the line class education. I graduated from XXXX School with a XXXX GPA. How can I get XXXX in college. The classes were kindergarden education. After graduation they also promised career placement. I went to several jobs and they were all sales jobs. Nothing to do with XXXX or XXXX. Im still trying to pay these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other

Complaint: Because my previous interaction with Bank of America had not resulted in my account being closed, or my interest rate being lowered, I decided to attempt to use the card today. It was again declined. I checked my account on the web and it had again flagged transactions to places I had previously used the card, as fraudulent. I verified they were my charges, and the website said that the card was fine and usable. I tried again and it was declined. To recap my previous complaint, I am XXXX and do not use a voice telephone or XXXX. I again informed BoA of this via chat. Once again, I was told via chat that I needed to use the telephone. Once again, I had to escalate to a supervisor. The supervisor reiterated that I must use the telephone in order to find out why my card was declined. When I again said I do not use a voice telephone due to XXXX, he asked me why. Of course, this is protected health information. I requested the account be closed, and the supervisor closed the account. This, despite my wasting hours of my time the day before, attempting to close the account, and told that I could not do so via chat. 

Bank of America 's discrimination against the XXXX is blatant and harmful. I wasted several hours of my time because they refused to provide the same services to me in anywhere close to the same timeframe as they would provide to a non-disabled person. The first supervisor claimed it was not possible. The second supervisor the next day completed the task that the first supervisor asserted adamantly that I needed to use a voice telephone to complete. 

Had I not persisted, I would still be having the same difficulty. As this is going to Bank of America, I have a message for them : DO NOT CALL ME! I have a cell phone ONLY for emergencies, as it causes me physical pain to answer and converse on a telephone. You have been told this on MANY occasions, yet you called me once yesterday, and once today. STOP!

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 04-10-2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: COMPANY # 1 : XXXX COMPLAINT : After many months of submitting required documents - documents that necessitated spending of my own limited retirement income, I received a letter that the application for reverse mortgage had been denied. REASON GIVEN : I had ( personally decided to ) cancel the application. I had NEVER cancelled the application ; particularly after spend my own money and time. Phone calls demanding clarification were never answered. 

COMPANY # 2 : Security 1 Lending COMPLAINT : After months of submission of required documents and after spending my own limited retirement funds bringing the property up-to-date for appraisal, I was told that my application could not go through unless I came up with {$20000.00} to allow Security 1 Lending to pay my ( 1 ) property taxes and ( 2 ) home insurance for the rest of my life. I told them that I was supposed to pay for home insurance and property taxes. The answer was no. I then got a letter from the company giving the following reason for declining my application : " Insufficient funds to close - Borrower not willing to bring funds to closing. '' On the contrary, I was willing, but did not have the money. I explained that to them. 

According to FHA/HUD, the borrower is supposed to pay property taxes and home insurance, and not the bank. It also defies logic and common sense to conclude that I would not be able to come up with {$5300.00} per year in property taxes and home insurance ( combined/total ) This figure has been obtained fro XXXX XXXX and XXXX XXXX officials. The total amount of mortgage payments to XXXX is {$15000.00}. Money saved through reverse mortgage would have been {$15000.00} - {$5300.00} ( in property taxes and home incurance combine per year ) = {$10000.00} ( aproximately ). The {$10000.00} does not include my XXXX retirement annuity income of {$XXXX} per year, at {$XXXX} per month, for life ). Documents to this effect were submitted to Security 1 Lending last year. 

After spending my own money in applying to to companies for reverse mortgage, only to be turned away, it 's heart breaking. I strongly suggest that pertinent information ( to determine eligibility ) should be gathered at the start of the application process so as to determine the eligibility of the applicant before the applicant waste time and money onmly to be denied after several months later. What is the use of a reverse mortgage if the applicant has to be required to spend {$20000.00} in order to qualify for a reverse mortgage? 

:

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Confusing or missing disclosures

Complaint: On the XXXX XXXX XXXX 2017 I created and verified an account with Coinbase. They verified my information and nationality without any problem. 
On the XX/XX/XXXXi received my purchased Bitcoin,  Ethereum and Litecoin in my account ( XXXX XXXX, XXXX ETH and XXXX LTC ). 

After a vacation in XXXX i found out my account was blocked i received a automated notification that i needed to prove my nationality and place of residence ( which is the XXXX ). There was no trading or accessing funds performed while on XXXX grounds. 

On XXXX XXXX 2017 i send all the requested information via secure link and got an confirmation email ( automated ). 
" Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. '' This notification seems to be send to all people with the same issue, afterwards no further communication or follow-up is provided. 
I have repeatedly send emails to customer support asking for follow-up or information on the status of my account, without any reply. 

It seems strange to me that a company is allowed to take your money and freeze it without any notification. Furthermore, there is no possible way to get in touch or receive any feedback on the status of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I first took out my loan in 2010 it was originally with XXXX, who later became Navient. The interest on the loan was very high and I was steered into making forbearance payments, which did not help because the interest was capitalized over time. After only being to make minimum ( interest only ) payments at first, I quickly realized that it would take many, many years to ever pay it off. 

My complaint is about the forbearance, and the extremely high interest rate and capitalization of the interest. ( There was one year when I paid over {$6000.00} in interest alone. ) Recently I have paid off both my loans with Navient but it did not come without a cost or major sacrifice, and that is what my complaint is about. Please let me know if there is a class action suit against Navient as I believe I would very much participate and have the records to show their wrong doing. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: When I bought a TV from Best Buy in   XXXX  , I was offered to get a Best Buy credit card with no interest if paid off at the end of the promotional period. Later I was asked to go green with paperless statement and auto payment. So I did. My plan was to pay if off at the end promotional period to avoid any interest payment.     No statement had ever been sent to me but I do get an email about the monthly charge posted to my checking account. Today I signed in online only to find that I was charged interest already. By downloading the statement online, I found that I was charged a hefty {$720.00} while the balance at that time was {$430.00}! And starting from that month I was charged interest every month. I called their customer service and was told there is nothing they can do. I paid off all the balance immediately today.     I realized the scam works like this   : 1. Give an promotional offer to get people in 2. In the name of go green and save the environment, get people sign up for e-statement and auto pay 3. Only send email about the monthly charge, but not the balance or billing details. This gives a sense of normality.
4. When time passes by, many people will forget to track the billing details 5. Do n't send notification about the upcoming promotion ending period, simply start charging i  nterest.

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 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (AR).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. Experian said they are investigating the other XXXX would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially two bankruptcies that I never finished going through the court system for. I provided paperwork to XXXX showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an Experian Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.

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 08-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Management Partners, LLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a collection agency trying to collect a debt that was paid for by the insurance I had at my job. I am now XXXX and the collection is on my credit report with XXXX. XXXX has eliminated it, and as far as I know so has XXXX. I submitted a statement to XXXX. I called the collection agency and was told if I came up with proof they 'd take it off of my credit report. However, I was homeless from XX/XX/2015 until XX/XX/2015. I lost my home because I fell behind in rent, due to my XXXX XXXX. The proof I had that the debt was paid is gone because I was unable to carry all my paperwork in my car. My car 's transmission went out and I no longer had nor do I still have any transportation of my own. I 'll keep fighting this because I was told the insurance company took care of this in the paperwork I no longer have due to circumstances beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a XXXX credit card that was paid in full on XX/XX/XXXX and closed on XX/XX/XXXX, over 10 years ago, and I want this account removed from my credit report since it 's been closed for over 10 years as this is my consumer right under the Fair Credit Reporting Act ( FCRA ). The account has always been in good standing and never had any negative or derogatory information. 

I initiated an Equifax online dispute in XX/XX/XXXX ( dispute confirmation # XXXX ) to have this account removed and the investigation process did not remove the account. Instead, Equifax 's investigation team only changed the " date reported '' from XX/XX/XXXX to XX/XX/XXXX. I understand that as of XX/XX/XXXX, this amount of time places the account at an age of 9 years, 5 months, but there 's nothing wrong with asking Equifax. 

I initiated another dispute on XX/XX/XXXX on the phone with a supervisor, dispute confirmation # XXXX. I carefully explained that I wanted the account removed since it has been closed for over 10 years. During my conversation with the supervisor, she told me that the XXXX closed account will stay on my report for another 10 years ( until year XXXX ) all because I am requesting another investigation. I stated that a dispute date should not determine how long an account remains on a credit report and that XXXX and XXXX had already removed the closed XXXX account after the 10 year anniversary of the account closing date. The XX/XX/XXXX dispute was completed on XX/XX/XXXX and the XXXX account remains on my Equifax credit report. 

Equifax 's practice of making a closed account remain on a credit report for over 10 years and then making it stay for another 10 years is unacceptable, promotes unfairness and inaccuracies. 

I mailed Equifax Information Services LLC in XXXX, Georgia a letter on XX/XX/XXXX informing them of reporting their misbehaved practice to the Consumer Financial Protection Bureau. 

On XX/XX/XXXX, I called Equifax again, spoke with a representative and questioned why the account has to remain on my report. The representative stated that I will have to contact XXXX and request XXXX to have the 10 year old closed account taken off my report. I explained to the representative that a customer should not have to contact a creditor from over 10 years ago just to honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with SANTANDER CONSUMER USA HOLDINGS INC. ().
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I opted for voluntary termination of my car finance with Santander in XXXX. I have checked my credit score and it says my account has been seriously in arrears and gone into default as well as it saying the account has been closed. I was informed that voluntary termination should not affect credit score as written in legislation. I have emailed santander but received no reply as of yet. I have never missed a payment for any loans or finance in all of my credit history. I think this is unfair and needs to be amended

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit line increase/decrease

Complaint: Hi, I was making an online credit card payment with capital one on my cell phone in  XXXX   (   XXXX  of  XXXX  . ).  The site was n't downloading properly but I was still able to submit the payment. It mistakenly submitted a payment in the amount of the full, remaining balance in the amount of {$2600.00} and I only found out when I was assessed the returned payment fee. Subsequently spoke with a rep., explained it was an error and the returned payment fee was credited. I recently applied for an increased credit limit with capital one as I 'd like to improve my credit ( build a better credit ratio ) and was denied due to the aforementioned returned payment. I phoned  them at least 2 to 3 weeks a go and spoke with a very helpful rep., explained to her what happened and requested they update their records and remove the incident from my history as it was an error. They have not removed it. I spoke with a rep. about 2 days ago and he said he could n't see it on my account, but it 's still there as I applied for a credit limit increase again but was declined for the same reason. Please contact them and hav e Capital One  remove it from my history and with all of the credit reporting agencies immediately. Thanks in advance for your invaluable assistance.   Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (TX).
Issue: Managing the loan or lease

Complaint: Loan that was paid is being drafted by an illegal Tribal Lending Company. Cease & Desist, and needs to stay out of my bank account!

Company response to consumer: Closed with explanation