milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.

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 02-12-2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting spam e-mail from ace cash express saying I owe them money for a loan i never got the letter comes from a XXXX XXXX they do n't send an address they say I have to use email or call them at XXXX and I do n't call numbers that I do n't know

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (AZ).
Issue: Settlement process and costs

Complaint: My father passed away last summer and I have been trying to sell his house in a short sale because he was so upside down as he carried a mortgage with Nationstar and XXXX XXXX. His home was deeded to me - I live next door to him in a neighborhood where homes are being stripped and crime is high. We have a buyer for the home and she has been in active nego with Nationstar. The auction is set for tomorrow, XXXX XXXX and the realtor requested to push it out over 2 weeks ago. A broker from Nationstar did a walk through on XXXX the XXXX and now we learn that the house is going to auction???? what is up with this company? My father was XXXX years old when he died and somehow he was owing {$XXXX} on a home valued now at highest {$90000.00} - I really feel that he was taken advantage of and agreed to anything to keep his home or lower payments??? I do n't know?? I do know that if the bank owns the house and the renters move out that the house will be stripped and vagrants will move in and drugs etc. will happen right next door to me. I only wanted the chance to keep my family safe and my own property value up. There are so many houses in this neighborhood that have been abandoned. I have young grandchildren that I care for and the thought of them being subjected to the potential crime has created so much stress on my husband and I.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is, in my opinion, ruining my credit report on purpose. It is amazing to me how inept they are being about fixing their own mistakes. I have literally sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ridiculous statements trying to tell me that I am the one who is wrong! LIKE REALLY?! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history WITH THE BALANCES! CAN YOU BELIEVE THAT!?? 
2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 
3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I am updating complaint XXXX which is currently awaiting response from company. Approx XXXX XXXX I was informed CitiMortgage took partial steps regarding my complaint & needed more time. I checked the status & nothing has been done to resolve the wrongdoings. What CitiMortgage did do was schedule another foreclosure - XXXX XXXX. 
( Foreclosure XXXX XXXX XX/XX/XXXX prompted first complaint. It was cancelled at last minute. Was not informed why ) We received letter dated XXXX XXXX CitiMortgage was pleased to share we may qualify for loan modification & will get letter outlining documents needed to determine final eligibility. The letter had been Cc 'd to Missouri State Attorney ( Submitted complaint to them as well ) We receive XXXX letters dated XXXX XXXX - possible HAMP qualification & the other letter to notify us of date of foreclosure ( the only letter we got concerning foreclosure ) Still waiting on letter about needed documents. I believe the XXXX XXXX letter was solely for the benefit of the Attorney General. I also believe CitiMortgage has no intention of resolving our issues. For years they ignored our verbal requests for explanations concerning our account. The Qualified Written Request sent XXXX XX/XX/XXXX was improperly acknowledged 1 ) Citi picked the concerns they choose to respond to & stated they found no errors. I have no idea how they determined that - guess just take their word for it. 2 ) I requested the information & sent the QWR. Citi sent their response to husband 's Chapter XXXX lawyer ( another attempted foreclosure XXXX XX/XX/XXXX & he knew nothing about the QWR ) telling him he could disclose whatever info he felt necessary. The attorney emailed us Citi 's response. & gt ; As far as I know they 've yet to fully cooperate with Attorney General or CFPB. I guess if they sell the house they wo n't have to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2015 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Payment was made to XXXX XXXX XXXX ( have receipt dated XXXX XXXX, 2015 ). 
As I paid in full, at XXXX time, XXXX gave me a credit of 5 % on the total bill. ( from XXXX to XXXX ) Received notice from collection services two weeks later asking for payment of the full amount. 
I contacted collection agency with copies of receipt, and they sent me another collection notice a month later, when I again sent them a copy of my paid in full receipt. 
I now have a major black mark on my credit report. I have attached my billing summary ( no balance due ) from XXXX, and have also included my receipt from the initial payment on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Bank account or service (Checking account) with BB&T CORPORATION (SC).
Issue: Deposits and withdrawals

Complaint: I bought a XXXX program and linked it to my bank account. I did not download from the acct. Beginning in XX/XX/2015 I began getting OLB service fee charges of {$7.00} per month. When I called XX/XX/XXXX, BB & T said it was a XXXX issue and XXXX was charging the fee. Later I learned it was BB & T. To make a long story short I have had service fee charges nearly every month since XX/XX/2015. I have had to call each month and get a refund. In XX/XX/XXXX, I was told to change my username and password. I did and I have had charges XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. So I still have to take the time to call and be placed on hold and go through my story and request a refund. If I had not been vigilant about reviewing my account and persistent about requesting a refund, BB & T would have taken this money from me. I am certain they are doing this to others. I do not use the XXXX download service and the account is not linked. There is no basis for these charges as BB & T acknowledges but they continue to charge me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I enrolled in a long-term repayment plans and Navient failed to disclose the annual deadline to renew my plan, misrepresenting the consequences of non-renewal, and obscuring the renewal notice to me, the borrower, when it was due for renewal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Residential Credit Solutions, Inc. (MA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ). 
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to XXXX as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian has several lines that are incorrect. Several Educational loans that have been sent back to the XXXX where I have been in a rehabilitation program. Experian has most of my negative accounts still opened and in a past due status. Making my credit score XXXX plus below other credit agencies. I was denied an apartment based on their info. They also have accounts on my report that were reported well over 7 and ten years ago listed recently and wo n't come off until 2018 that should be off already since those account were already sent to collections. So they have false reporting info. XXXX XXXX to mention. They keep starting the 7 years over and over on numerous accounts. There are accounts that are duplicate with different account numbers. XXXX card that they have as recent is well over 10 years ago. Student loans that are in past due status that were sent to XXXX that they still have for another collection agency that rehab has been completed on. Also for accounts that are in good standing they have the actual pay dates although the creditor has pays well and ok. They list every item and pay date which is very subjective ; allows the new creditor to think slow pay..when the account is paid well. Have other people that I may have been affiliated with in the pass never married to XXXX ( XXXX ) not in my life should not be on my credit. XXXX XXXX account should be off ; reporting false information. Have more judgments than I actually have. Fair Collections and outsourcing I have disputed because they can not validate the info and where my deposit went. They keep it on the file. To have every account still opened and they are closed drops my credit score. So there is a lot of miss info. If you all XXXX Experian complaints.. there are tens of thousands complaints. My sister has a XXXX and XXXX with other agencies and great credit Experian has her at XXXX. With false info being reported. The accounts should not be in past due status ; they should be in the status they truly are. I have disputed some of these not all as of yet. They are not pleasant to deal with when you call them. I truly feel they work with the creditors to keep people 's credit bad. Take a closer look at Experian please they are making my life difficult and maybe homeless soon. Also XXXX XXXX Bank credit card I paid off. Good standing closed it on my account when my life was on track before losing my job. They have another card with no reported data ( since I closed the previous account ) and have it in a bad status for an account I never had. They have no data but still have it on my report. Fix this please.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am the co-signer of a parent-plus student loan. My son has yet to start repayment because he has been in and out of employment. We have both contacted Navient to discuss a solution and each time have been steered toward Forebearance. I understand that is a more expensive way of repayment and now the original amount of the loan has increased substantially. I am looking to you to determine how this can be rectified and the how I become a part of the lawsuit against Navient. School attended was XXXX XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: Bank of America has charged me for work that was never performed ( see attachments ). The charges were added to my mortgage balance even though no work was performed,

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 08/17/2015 about Debt collection (Credit card) with Cawley & Bergmann, LLP (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: called my stepmom asked for me. My dad and I have same name. she told the collector her husband does not have an account they continued to give her last XXXX of my social and my current address she said that may be my step daughter and then they told her I owed over a XXXX dollar debt

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with Perfection Collection (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I signed into a one year contract with a security system company because I knew I was moving in a year. I specifically told the salesman that. He refused to give me a copy of the contract. After a year of having the service and letting the company know that I would be moving and would not be renewing my contract with them they told me that I had signed  a 5 yr  contract. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on   XX/XX/XXXX    . I was contacted  XX/XX/XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit card () with BARCLAYS BANK DELAWARE (MI).
Issue: Other

Complaint: On our Barclaycard we had a balance of XXXX. We sent payment on XXXX XXXX Payment over balance in amount of XXXX with a due date of XXXX XXXX XXXX fully XXXX days or XXXX days to arrive in City XXXX XXXX. We called two days after XXXX XXXX ..XXXX XXXX. And balance indicated IT NOT only had not been recieved ( or so they would claim ) but there was additional balance indicating a late fee. IT however had to be in their possesion for it was cashed check XXXX on XXXX XXXX. We sent a XXXX payment of only the previous balance since i called and they said they would waive the late fee. This XXXX payment I sent check XXXX by certified mail and was recieved XXXX days later..the certification came back dated XXXX XXXX. I called that day to see if the XXXX check had been cashed and MY account showed a balance of negative XXXX that is a credit balance. I have another credit card with Barclaycard. and asked if this XXXX could be transferred against debt on this other card. They said NO. They agreed to send a check to us at our physical address of XXXX XXXX XXXX XXXX Michigan My name is XXXX XXXX XXXX. They did not they faxed it to our XXXX. Which was not agreed upon and charged us so fee..XXXX of which I recieved a letter date XXXX XXXX.in so doing. AND did not send us this months billing. but XXXX letters. DUE THIS month XXXX XXXX. and today is XXXX XXXX. So I called them today. NO explanation of how they arrived at XXXX. My intention had been to pay the balance and cancel the card..and they keep moving the DUE date and the payment address to XXXX. when it was in XXXX. and have trumped up some bogus charges made by someone XXXX like it was someone who got ahold of my account number evidently to make us feel like they were doing their job..or perhaps to sell us some other service. My neighbor has a Barclaycard..and a few other people I know and they have had similar problems with them So they need to be investigated. I called today ..no XXXX gave explanation of how they arrived at XXXX for some trumped up fee. WHEN the account was paid off. But they finally after calling DROPPED the XXXX and some guy named XXXX in XXXX said it was dropped but could not understand him. Something about XXXX fee. for reversing the check..I had tried to stop payment on the XXXX check..but it had already arrived and they cashed it giving a credit balance of XXXX aforementioned. So it was NOT like they were charging me for stopping payment on a balance owed them. in the XXXX place. IT was never stopped since they cashed it before STOP payment arrived evidently. Just all round bad business practice NEVER had a Credit card ever do this to someone WHO pays their bills. And NONE of them have ever charged to return MONEY overpaid to them. In fact XXXX credit card company without me calling XXXX returned the money because they simply wanted an even balance at XXXX. There is the story.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My home mortgage services Wells Fargo does not appear to be working with me in earnest to prevent me from losing my home in XXXX Massachusets. I have been ensuring compliance on every request. They previously turned down an offer to purchase by a qualified buyer because he was under their minimum XXXX. While I did n't want to sell the house, I was led to believe that this was my only option. It has been an incredible year of stress and what appears to be an endless spiral of red tape and even confusion by Wells Fargo 's own " loan preservation specialists '' - who appear to never know anything. I just received a loan modification offer that is literally just a few XXXX dollars less than what it was. It 's unacceptable when I have already paid beyond XXXX for this house. I really need help but I 've heard conflicting statements from my bank representatives. One moment I hear I may qualify for deed in lieu - next I hear that I do not qualify. I 'm at the point where I can afford to pay a reasonable amount to keep the home but I can tell that they do not tell you anything that can help you. They purposesly keep options from you unless you specifically ask about it. Then the preservation specialist tells you they need to find out. I really need help. I know the bank could work with me just a little harder for us to keep our home. We 're not that far from having a viable program, that a XXXX bank that ruined the economy anbd received XXXX bail-outs could afford to live with for a family who has already paid over XXXX in interest.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IN).
Issue: Other service problem

Complaint: Between XX/XX/XXXX and XX/XX/XXXX I sold roughly {$600000.00} worth of Bitcoin on Coinbase 's exchange XXXX. Anticipating the sale, I previously requested to raise my daily withdrawal limit on XX/XX/XXXX. Since that support request I have received no communication on my request and it is in turn causing me significant complications in my life not to have access to MY money. 

Coinbase has clear directions not to submit a duplicate support ticket for the same issue, however I did reach out to a representative that is active on XXXX to see if he could look into my issue but there was no return communication. Their support line is impossible to get through on as well. I feel that I have exhausted my options from an unresponsive company. 

Coinbase is effectively holding my money hostage as a XXXX interest loan. I bought a house in cash with a closing date on XX/XX/XXXX and I am forced to take out a loan in order to pay for my house now resulting in unnecessary interest fees. Furthermore estimated taxes are due on XX/XX/XXXX and I will be unable to pay the full amount most likely resulting in penalty fees. Both of these things are putting economic strain on my life.

I 've been a customer of Coinbase since XX/XX/XXXX and I 've submitted all proper documentation, I 've also been a consistent customer establishing a known banking relationship with them. It is absolutely unacceptable that they are not responding to my support request and furthermore that they are even legally able to hold money hostage like they are.

Company response to consumer: Closed with explanation