milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose prepaid card) with CURO Intermediate Holdings (TX).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: My XXXX XXXX card was stolen from my car along with a small journal with a lot of important numbers I keep in my armwrest. Because I barely use my card, I didnt notice it was lost until I tried to make a purchase at a restaurant. I called my bank to report my card stolen and they told me of transactions on the account. I informed the specialist that I lacked online access to see these transactions and that I would like to get access and file a dispute. The specialist told me I had to wait till the transactions posted and said she will email me a login info. I never received the email, and called back 2 days later to see if ye transactions posted. The supervisor told me yes and helped me file a dispute. She then said she will send me another login information to gain online access, but I still didnt receive it, and it was like that back and forth. I didnt hear from my bank till a couple of days when I received my replacement card and I couldnt activate it. They told me my account was closed, but wont tell me why and that I should go online and referr to the card agreement service page. I did t hear from them again until I called today to ask for the status of my claim and they told me they reached a decision on XXXX that said they denied my claim because my card was used with a merchant close to where I live. I told the lady so if I someone robs a bank closer to the owners home does that mean the owner is at fault? I asked hem to reopen my case and ask for video footage or a receipt where I signed anything and they refused and told me to send in an appeal letter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted TransUnion in 2014 regarding a student loan reports of 90-days late - although it says US Dept of Education/Direct Loan Service System on XXXX late reports, the DOE stated that it was not from them, rather another entity ( some prior loan servicer XXXX, out of NY state ), that they no longer use. Presently and when reported, XXXX/XXXX was/is handling my loan servicing. I asked them for help and they were not able to provide any further assistance either. 
The credit bureaus will NOT remove, even though there is no evidence regarding this report or incident. I was never served with any notes about late payments either ( which I never had, as my loans were under forbearance or in-school deferment, per the DOEs policies. ) Also, these loans are marked as closed, which they are n't and were n't. I never had my loans serviced by this entity either. Again, there are XXXX ( XXXX ) reports that are inaccurate. 
XXXX had this same dispute with them, and have removed it - confirmation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted BOA to inquire about an escrow reimbursement check on XXXX/XXXX/15. The automated system indicated XXXX would be mailed out on XXXX/XXXX/15 however the associate informed me that XXXX was the amount sent on XXXX/XXXX/15. I asked what happen to the XXXX and was told it was " mailed out to the investor ( XXXX ) to pay for your PMI. '' XXXX said they had nothing to do with PMI. I called BOA back, shared what I was told by XXXX and the story changed. This time I was told the PMI was sent to HUD. I contacted HUD ; they had no record of me. I called BOA back and the story changed a XXXX time. I was told AGAIN the PMI had been sent to XXXX. After refuting this, I was told my PMI carrier was XXXX XXXX. I learned from XXXX that the account was cancelled on XXXX/XXXX/15 and the last payment received on XXXX/XXXX/15. Moreover I was told if additional funds were received from BOA they would be returned to them. I called BOA back and the story changed a XXXX time. This time the associate said the XXXX was sitting in my escrow account. I asked how this could be when I no longer have a mortgage. I asked if I could have the money refunded and was told " no. '' I asked why and the story changed AGAIN. This time I was told the XXXX would be used to cover admin fees for paying off my mortgage. 
I ca n't begin to imagine how many other customers have been subjected to this type of fraud. In fact I said this to a BOA manager named XXXX yesterday and his response was " unfortunately you 're absolutely right. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from midland funding still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the XXXX time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. Midland funding collections agency that I an a part of. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Hello, I reviewed my Equifiax credit report and noticed that one of my 'associated addresses ' is invalid. I have 3 addresses associated with my Equifax credit report : 2 are in New Jersey and 1 is in Texas ( zip code = XXXX ). 

I have only lived in New Jersey and I have never lived or held an address out of New Jersey. I contacted Equifax to remove the associated address for Texas ( zip code = XXXX ). Equifax has not yet responded to my inquiry. However, I am also making this complaint here. 

Let me know if you have any questions in order to proceed or verify my account/personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Regarding TransUnion credit reporting agency, for over a year now, I have called their Dispute department repeatedly, submitted on-line disputes into their system directly, and have written to their CEO directly as recently as XX/XX/XXXX, pleading that they update my Chapter XXXX Reorganization status from FILED to DISCHARGED. 

I am suffering from a low FICO score - this impacts my job prospects and lending underwriting. I was a victim of HOA abuse and banking illegal foreclosure which resulted in my Chapter XXXX Reorganization filing in XX/XX/XXXX, upon the advice of counsel, to protect my estate. It has taken me five ( 5 ) years to improve my credit - I am now over XXXX. Yet, TransUnion is interfering with my healing and recovery - continuing the abuse and violations I have suffered. 

As a result of their overt negligent mismanagement of my credit file, even considering all the opportunities I gave them to fix my record, I was just declined for a vehicle loan as a result of my TransUnion credit report. The dealer specifically called out that the Bankruptcy was listed as FILED which was the cause. Even when I gave the dealer a copy of the courts Final Decree - Case Closed, same as I gave the TransUnion, they were adamant that they must go by the credit report BK status, even if it 's incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (NE).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX my father passed away and left the house that he had a mortgage on to me in his will that went through legal probate and the house was transferred to me through the courts. My husband and I never re-financed the loan into our names for we were not informed to do so it was my thought the mortgage would be legally put into our names by XXXX who at the time has the servicing of the loan. They informed us that we could do a loan modification and then after a few months told us that was not possible because we were not on the loan, then they suggested assuming the loan and again after a few months told us the at loan was not assumable. The Truth-In- Lending only states not assumable by a buyer, we were not buyers but legal heirs by law. Then my husband and I filed Ch XXXX Bankruptcy to avoid foreclosure by XXXX. Then it was sold to Select Portfolio Servicing , Inc, and we have dealing with them now for 2 years and getting the same run around. We hired a company to help us with reconstructing the loan into our names at a lower interest rate so that we could start making payments. We were not making payments for the mortgage was under a deceased persons SS # and we would not get the interest tax break. It was not for a lack of trying to get this loan into our names. Now SPS has set a foreclosure date for XXXX/XXXX/XXXX and will not postpone even though we received a letter on the XXXX or XXXX of XXXX telling us they have receive our inquiry and would be contact with us within 20 days of receiving the information which would be the XXXX/XXXX/XXXX. After speaking with a manager of SPS along with an analyst of the company we hired to help us with this we were told the sale was going forward on the XXXX and that the letter we received is a computer generated letter that is printed whenever data is entered into the computer that new documentation has been received. This is a deceptive practice on the part of the loan servicing bank and should be illegal. This gives the people facing foreclosure false and misleading hope. Even the XXXX the analyst with the company that we hired agreed. Our house is still for foreclosure on XXXX/XXXX/XXXX and SPS had the power to stop it to look over the documents and did not do so. This is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Investigative Concepts, Inc. (ID).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The criminal investigation is totally wrong.What you see is only partial and the dates listed for the offense is wrong.In fact older than 7 years, which should be invisible to employers.   Information to be corrected : 1 )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date  :  XX/XX/XXXX   Release  Date  :  XX/XX/XXXX   XXXX  Date :   XX/XX/XXXX   2 )   XXXX   XXXX   XXXX   XXXX   XXXX  , Case Number: XXXX    XXXX   Start Date :  XX/XX/XXXX  Release Date :  XX/XX/XXXX  XXXX  Date :   XX/XX/XXXX  W hat the   XXXX   were,  1 )    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) (   Washington State    )    XXXX     XX/XX/XXXX     XXXX   Date :   XX/XX/XXXX  rel ease dat e: XX/XX/XXXX  2  )   XXXX   XXXX     XXXX    XXXX   (    XXXX   XXXX   XXXX   ) (  Washington State  )   XXXX     XX/XX/XXXX    XXXX  Date: XX/XX/XXXX  release date: XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 01/28/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NC).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX at XXXX XXXX, I started a withdraw of {$10000.00} ( from the sale of my cryptocurrency on their exchange ) from XXXX ( https : XXXX which is an arm of Coinbase ). This withdraw was to be a direct deposit into my XXXX XXXX XXXX account which I had used with them before. XXXX indicated that this would take a maximum of 10 days. The next day ( XX/XX/XXXX, XXXX XXXX ) I began a second withdraw of {$1200.00} to the same bank account. After about a week ( ~XX/XX/XXXX ), XXXX indicated that both transfers were " complete '' however I had received no funds and their transfer information said that the expected payout date and time was always the current time upon refreshing the page. I submitted a request to XXXX support on XX/XX/XXXX and only received an automated reply. It has now been more than 20 days since I initiated the withdraws and more than 10 days since I requested support from XXXX and received no reply or explanation. The withdraw info continues to indicated that the expected payout date and time is right now, but my bank shows no pending deposits. As a side note, I have used XXXX twice in the past and they only took a couple of days each time to complete the transactions ( each totaling {$10000.00} ). I have attached a picture of the transaction info XXXX provided for the two withdraws in question.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I went to my local Bank of America branch to open a checking account and was told they could not proceed with my request because my social security number was already in use by another customer. I went home and created a mySocialSecurity account online and verified there are no unidentifiable earnings attributed to my SS #, so no one is using my number for work purposes. I then ordered my free annual credit report and identified one, open Bank of America credit card account that does not belong to me with a historical high balance of {$5400.00}. Bank of America referred me to the SSA but since this is not a work/earnings issue there is nothing for them to do. How do I get Bank of America to investigate on their end?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/26/2016 about Mortgage (Other mortgage) with PLAZA HOME MORTGAGE, INC. (NE).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX I used the XXXX program to refinance my home. The purpose of the program was to help lower my payment but without requiring an appraisal because my home 's value was and still is lower than the principal balance owed. I ended up getting my original loan refinanced and my payment started out being {$1900.00} a month. Since XXXX, my payments have risen to {$2300.00} by XXXX of XXXX. That 's an increase of {$410.00} a month in just 3 years. My property tax has not risen that much and while my home insurance has risen, it has definitely not increased by {$4900.00} a year. I do n't think banks realize what this does to a person when they only make so much money a year and budget for a monthly home payment when they close on a loan. I have complained and inquired about this to Plaza Home Mortgage for the past 2 years and the only response I have ever received from them is that they under estimated my escrow amount to be paid ; and of course with an offer to pay the difference in full vs. monthly ; yet they made the error in calculating. In XXXX of XXXX, my home insurance went up by {$86.00} a year. Over the past 3 months I 've sent a couple of messages to Plaza Home Mortgage reminding them that they need to make sure that when they analyze my escrow payments in XXXX XXXX XXXX, they take note that my home insurance is {$1800.00} and NOT {$1700.00}. I just looked at my escrow analysis and they disregarded the messages I 've sent to them and I still show they have my hazard insurance at {$1700.00} a year, which I believe will result in yet another escrow shortage by XXXX of XXXX. I have sent them XXXX messages in the past week and have received NO responses. I still have no good explanation of why my payments have gone up {$4900.00} a year ( {$410.00} a month ). I have every reason to believe that Plaza Home Mortgage is doing this same thing to other home loan borrowers and I believe they are making more profit from the loans and not reporting it to the government or something else is going on. My suspicion is that they are using home owners equity accounts to make money because they would avoid paying taxes on our equity OR they have grossly miscalculated my annual escrow from the beginning. My reason for suspecting this is because of lack of valid proof of the large increase in my monthly loan payment amount and lack of responses from the mortgage company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: Starting in XXXX 2014 they were some reversed payments due to escrow payments applied to my mortgage account incorrectly. This has showed as late payments causing me to get behind and Chase is yet to correct. 
Now Iam facing foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with M&T BANK CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This all started with a new car loan this XXXX. After obtaining the loan I requested a copy of the credit report used by the lender. When I received the report and reviewed it, I found errors reported by XXXX XXXX XXXX XXXX ( M & T Bank loan XXXX. ) Specifically, the date of last payment and the date account closed is wrong ( should have closed XXXX ), and the detail seems to suggest that the loan was 120 days or more past due. I complained to XXXX three times. On the third time, they sent the complaint to M & T Bank. None of the items were corrected and they added a new delinquency for 180 days or more late. Attached are the latest results from the dispute as provided from XXXX  and a letter from M & T bank proving that I paid the loan off in XXXX XXXX. The loan originated in XXXX XXXX, so there is no possible way this loan was open on XXXX and no possible way this loan was ever 120 days or more past due. During this process I spoke, via phone, directly with M & T Bank. The person I spoke to told me the loan was not  properly closed when I made the XXXX payment. This error has to be corrected. Thank you.

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 10/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX transitioned loans to XXXX for all my loans. Where I had paid half my principle, XXXX never reflected any payment balance and refused to acknowledge previous Loan payment history the dept of education could clearly see. XXXX also changed my payments to interest only without my approval. I confronted them through the dept of education ombudsman who advised to reorganize back through dept of ed, find a new lender or settle/work with XXXX. XXXX requested $ XXXX. They refused to negotiate or accept payments were made from XXXX XXXX or AES, nor did they ever prove I accepted interest only and refused to make changes to my loan. I found a XXXX party, XXXX XXXX, changed to XXXX, who made an agreement where I pay them to file my loan forgiveness for XXXX ( former XXXX and XXXX ) loans, put the loan into forebearance while being processed and deal with Navient. I have executed documents on XXXX. They took my money and never processed, so XXXX defaulted, knowing the document was being processed with dept of ed. PHEAA took the loan at full value, refused to accept payment history and added $ XXXX for processing fee, knowing full well the were negligent and demanded full payment and ruined my credit. I request PHEAA be investigated. They declared I owe them over $ 100k. They refused to accept payment history dept of ed and AES see in my loan records. I told them in writing and their collections call my family nonstop. I plan to renegotiate under the dept of education.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have called at least 16 times from an " Unknown '' number, XXXX I asked they do not call from an unknown number, I will not share information with anyone who will not identify who they are calling from. Since the XXXX I have been contacted 11 times, XXXX they left a voicemail, XXXX they called 4 times, the fourth time I answered and asked them to stop calling. XXXX they called 3 times, the third time I answered and told them to stop calling. XXXX they called 4 times, the 4th time again I answered and had a discussion with the manager about why I was being contacted so frequently.

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