milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (ME).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received a credit monitoring alert stating I had an account over the limit. When I looked into it, it was for my XXXX XXXX XXXX. I knew I wasn't over the limit because I hadn't used the card. They lowered my credit limit to below my account balance without notifying me - had they notified me I would have paid the {$21.00} difference so it wouldn't have impacted my credit score. I don't think it's a fair practice for a company to lower your credit limit to below your balance and then report it to the credit agencies as over the limit. I received the notification they lowered my credit limit at least a week after I was notified via my credit motitoring alert. I am working to pay this card off because I don't like their practices. When I chatted with a representative online they said I would get the letter and it would tell me what to do in the letter. I'm not sure why he couldn't help me or get someone who could help me. With this age of online accounts and electronic notifications - which my account has a secure message area, why they couldn't sent that to me electronically, then I could have had the oppotuntity to remedy before they impacted my credit report. The company seems unphased - the XXXX card is through XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Company charged too much interest more than what was promised. I also asked for ibr and was approved but they still have not placed all of my loans on the plan after several calls. ( XXXX University ). ( XXXX XXXX College ).

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX received phone call from XXXX, XXXX, XXXX, what ever from Portfolio Recovery XXXX opened XXXX to collect debt not owed through XXXX Bank for XXXX. 

We asked if they had a validation number and she did n't and we told them to stop calling and that we would report them to FTC, US Government and other XXXX agencies. 

This is an additional note to all the other complaints filed with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Problem with fraud alerts or security freezes

Complaint: I have found out that I am a victim of the Equifax security breach. As a result of this I wanted to put in an extended fraud alert. the company website does not give access to a phone number to do so without " becoming a member '' meaning they wish to collect even more information. The XXXX number for the victims basically verifies that we are victims but provides no other services. My attempts to call Equifax failed even after a total of 148 mins on the phone on 4 different occasions. Similar failures occurred in regards to placing fraud alerts with XXXX and XXXX as well. 

I am requesting that you contact these companies and have them provide us the assistance we need- we are victims of their greed and incompetence, and they have gone unregulated for too long. Please do help.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I had a vehicle Financed through XXXX XXXX. I paid the monthly on time every month except one month I had my payment defered. I traded this Vehicle in for another in XXXX of 2015. My credit report shows a repossession of said vehicle and I have disputed this with the bureau several times. And every time it comes back verified. I have contacted XXXX about this and they tell me they have not verified anything regarding a repossession on my account. I have sent numerous letters to the reporting credit bureau to no avail. My next and final option is a lawsuit against the credit bureau for damages caused by their lack of effort in correcting the matter.

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 02/16/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other transaction problem

Complaint: XX/XX/XXXX i sent XXXX ETH to a smart contract. On coinbase the status of the order was completed " successfully ". Few day after i check XXXX website i discover my transaction failed. I contacted the owner of the smart contract, he explained to me we can't send money to a smart contract with coinbase but my money is some where in the systeme and i have to contact coinbase to update my account. 

XX/XX/XXXX i opened a case to inform then, i need my private key to unlock my money. 

XX/XX/XXXX i received a content that " 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. 

Thank you for your patience '' Case # XXXX. 

Till today i have zero information about my case in the mean time i try to contact coinbase through tweeter but no response

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Debt collection (Credit card debt) with AMERICAN EXPRESS COMPANY (NV).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Hi, Summary - All my credit cards went to Past Due/ Charge Off/Closed/ Collection statuses for no fault of mine.I never had any derogatory marks on my credit score/history in the past but, unfortunately in the past couple months everything changed and started receiving collection notices. 
One of the company named " XXXX XXXX XXXX '' approved me a special purpose loan and promised in the agreement that they will take care of all the credit card debt I owe to the banks.As per the agreement each month I have to pay " XXXX XXXX '' a low fixed interest rate for all the debt I owe to creditors ( The payment includes the total Credit Debt $ + Lower interest rate ). 

I was asked NOT TO PAY a single Penny to credit card companies from the day I signed the agreement with XXXX XXXX XXXX as they are taking ownership of the debt. 
Once I signed the agreement I started paying 600 $ + to this company every month from XX/XX/2016. I did make the payments to this company for almost a year but, it never paid a single penny to the creditors. I did follow up with the company asking the status and I was always told that the debt validation is in progress and takes some time. Recently, the company was sued for fraudulent claims and promises and all the website info, contacts no longer exists. I have no clue whom to contact and how to get this resolved. 
( Reference Link - https : //www.ftc.govXXXX ) For all this time as the company " XXXX XXXX XXXX XXXX' never made any payments to the creditors, creditors started reporting it to credit bureaus and now all my accounts are in collection phase. I called the banks/creditors and tried explaining the situation but, they said they have no alternatives except the collection of the " DEBT ''. 
This made me go into financial crisis. I have no clue what to do and how to proceed. 

All this happened for no fault of mine. I want all the collection notices, derogatory marks on my credit report to be taken off. I even disputed the credit reports with all the credit bureaus but, no good happened everything was same and no changes made.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (MA).
Issue: Loan modification,collection,foreclosure

Complaint: On XX/XX/2016 I accepted a trial modification payment plan ; the conditions were set in which I make all trial payments on time ; US Bank sent me a permanent modification agreement which I signed with a notary and returned to US Bank on time ; and that despite all that I found my home listed for online auction set for XX/XX/2016 by US bank on the website XXXX at this address XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (OH).
Issue: Application, originator, mortgage broker

Complaint: Name : XXXX XXXX AKA XXXX XXXXPrimary Business Account # : XXXX Number : XXXX, XXXX ( XXXX ) XXXX have been originating a home loan through Chase, and the home is being built by the company/contractor, XXXX XXXX. Chase has previously completed an appraisal on the property, and the company XXXX XXXX has completed an inspection, however many errors and problems with the home have recently been discovered. 

Cracks in the foundation/cement in the basement Crooked windows Leaking in the basement Sewage backing up/leaking dripping into the basementThese are just the visible things that have been missed, and I have no idea what other structural issues are going on with this property. I now have deeper concerns about the electrical, the plumbing, and the structural integrity of the property. 

You have my permission to contact any parties in this matter to help with a resolution. 

The best way to reach me is via Cell Phone XXXX, and through Email. 


Thank you for your help in this matter, XXXX XXXX________________________________________________________________________Cell Phone XXXX # : ( XXXX ) XXXX Phone XXXX # : ( XXXX ) XXXX Phone # : ( XXXX ) XXXX # : ( XXXX ) XXXX : XXXXXXXXXXXX Address : XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX Home Address : XXXX XXXX XXXX XXXX, OH XXXX House Address ( To be closed on ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX : XXXX XXXX | Mortgage Banker | XXXX ID : XXXX Mortgage Banking | Chase | XXXX XXXX XXXX XXXX , OH XXXX | Office : ( XXXX ) XXXX | Cell : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX | XXXXXXXXXXXX |

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX has been reporting active accounts on Equifax that I have open collections, these where paid 4years ago and I have sense claimed bankruptcy. They should be reported as closed. They had previously done this than reopened for no reason as I believe they are scamming people to profit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I have an account with Coinbase/XXXX that was unexpectedly disabled right before an extremely large surge in price. My account was already verified and active ( successfully trading for days prior ). Timeline as follows ... 

XXXX XXXX : Account is disabled after a sell of all my coin on that exchange at XXXX XXXX {$8100.00} USD ).  Plan to buy the dip was unable to be fulfilled. ( H:XXXX, L:XXXX ). Instructed to call support, but no phone support available and no voicemail able to be left. Emailed support via website. 

XXXX XXXX : No response, little activity in BTC. 

XXXX XXXX : Still no response, still attempting to call and email. Market surges in value ( H : XXXX ). Start a withdrawal despite website status stating that US withdrawals are experiencing issues. 

XXXX XXXX : Submit another request as market surges yet again ( H:XXXX ). Also file complaint with the BBB ( hadnt thought to file with CFPB yet. No responses.

Current : Received my USD funds, but will be unable to capitalize on market activity for several days due to these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Debt collection (Medical debt) with Receivables Management Partners, LLC (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am reporting the illegal practice and false collection practices of XXXX XXXX. They have reported and refuse to remove two collections off my credit report. One was for {$93.00} reported XX/XX/XXXX and the other was for {$45.00} reported XX/XX/XXXX. Payment was made to the original medical facility, XXXX XXXX XXXX in full. XXXX, the billing manager for XXXX XXXX XXXX have sent many emails and phone calls to XXXX to stop the collections and false reporting and to have them cease and send back all collections under my name back to them. Till this day, those collections are still on my credit reports. I am still getting collection statements from them as recent as today XX/XX/XXXX with fraudulent amounts and illegal harassment. I do not owe any amount to XXXX and XXXX XXXX XXXX ( the original creditor ) have acknowledged this. I respectively ask that these erroneous charges be removed from my credit report and ask that they cease sending me fraudulent statements trying to collect on amount that i do not owe. I need this done ASAP, as XXXX XXXX is doing illegal collecting and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (NE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I settled the account back in 2010 and this collection agency sold my account to another agency even after got a paid in full letter confirming paid off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble during payment process

Complaint: My house was flooded in harvey and I am trying to repair but XXXX has taken my insurance money and will not return in a timely fashion I went in the to the XXXX branch on XXXX with an advance check which they endorsed. They did not tell me there was a process that needed to be followed with future payments. 

I have worked and used my own money to get my house repaired. 
On XXXX I went into the chasse branch with a chck for $ XXXX from my insurance company. 
They took the check and told me I need to fill out a number of forms to get any of my money from the insurance. 

I have been working since them to fill out all the forms and get them approved. They reject them and I have to do one more thing.One was rejected because my city and state were n't on there ... .my XXXX knows where we are.. 

Every time I have to do something else it is a three day turn around. Finally on XXXX they released XXXX of it but I have need the rest. They have not even reimbursed me for the receipts for things I have already paid. They will not send me any more of my money until I have jumped through all their hoops which I will do but every wekk it is something else. 

Last Tuesday I was assured that all my documentation was fine and would be accepted..today I find out that is not true. I need to resubmit some of it. Also once I submit it is a 3 day processing time and once it is accepted it is 6 days for the check to be MAILED. They ca n't even do a wire transfer. 

I am scheduled to be back in my home by XXXX but without any money I can not pay the XXXX for painted or purchase the floors or applicances. 

I received the packet on how to hand the disaster funds on XXXX when XXXX occured on XXXX. The is over two months after the fact. 

Aslo the people I talk to get everything wrong and I am told one thing then the next day they apologize and say that was wrong ... 

XXXX has been great My insurance has been great SBA has been great but Chase has been not only unhelpful but rude and incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I locked my credit file at all XXXX credit bureaus XX/XX/XXXX. I got my XX/XX/XXXX Equifax credit file and saw a company I do n't do business with : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. I complained to Equifax. Response said was to call XXXX. There is no XXXX XXXX. at above address and XXXX XXXX. in CA said they did n't know about XXXX XXXX at XXXX XXXX. I complained again to Equifax. Response was some XXXX nonsense about XXXX doing a " soft '' inquiry into my credit file because I had some business with XXXX!! Equifax 's reply is a XXXX LIE!! I believe Equifax wants money for inquiries and other services. Since Farmers is probably a BIG money company for Equifax, Equifax looked the other way and ALLOWED Farmers to access my LOCKED CREDIT FILE!!! Equifax HAS NOT TOLD THE TRUTH ABOUT WHY THEY ALLOWED FARMERS TO DATA MINE MY CREDIT FILE. THIS IS WHY I GET SCAM PHONE CALLS FROM CALIFORNIA. XXXX HAS A INVESTMENT PRODUCTS LEADS GENERATING OFFICE IN CALIFORNIA, I WAS TOLD BY XXXX XXXX. EMPLOYEES. EQUIFAX IS TRYING TO MAKE MONEY BY PRETENDING THIS IS A " SOFT '' INQUIRY. RIDICULOUS! MY CREDIT FILE IS LOCKED BECAUSE OF SO MUCH ID THEFT AND SUCH. EQUIFAX HAS BREACHED THEIR OWN RULES AS TO CREDIT FILE LOCKING!! Equifax 's XXXX services helps firms target credit bureau data base people ( customers ) for financial services. I tried to complain by phone. All the staff are hiding behind secret phone numbers. Online help? A joke!! 
Your upload software will not let me open scanned files separately. I can upload ENTIRE scanned file which you only need XXXX scanned pages, not XXXX scanned pages. So, you ca n't see what Equifax wrote to me and credit file troubles.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have notified Transunion many times that there are incorrect addresses on file that do not belong to me : XXXX XXXX XXXX, XXXX, GA and XXXX XXXX XXXX XXXX XXXX, GA. I need your help in getting these incorrect addresses remove from my credit.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 have disputed the validity of a XXXX XXXX XXXX account on my credit Reports. I sent a dispute directly to XXXX XXXX XXXX in XX/XX/XXXX and received no response. I then sent disputes to all 3 credit bureaus, I sent a dispute to XXXX and Experian in XX/XX/XXXX, and XXXX in XX/XX/XXXX.  All 3 disputes came back " Verified '' from the 3 separate Credit Reporting Agencies ALL showing different information. This account is not Valid and should not be on my report. And the fact that the " past due '' dates do n't match, and the balances are different after being " verified '' prove that this was n't valid to begin with.

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 04/25/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (KS).
Issue: Loan servicing, payments, escrow account

Complaint: PMI insurance should be coming off loan

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been disputing for a whole year and two months every month to get these fraudulent accounts removed I sent in my FTC identity theft repot and my affidavit most of the accounts was removed from XXXX  and XXXX but Im having such a hard time with experian then they sent me a letter stating they we no longer reinvestigate these accounts which are reporting negatively on my report

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 07/18/2015 about Mortgage (Conventional fixed mortgage) with Geneva Financial, LLC. (AZ).
Issue: Application, originator, mortgage broker

Complaint: Started a refinance with Geneva Financial on XX/XX/2015 with XXXX XXXX, received Good Faith Estimaterate of XXXX. Due to internal company policies, XXXX had to hand me off on XX/XX/2015 to another loan XXXX XXXX XXXX ( Branch Mgr/Senior Mtg Originator ). On XX/XX/2015 received another XXXX XXXX XXXX loan rate of 4.250. These were the last papers I signed. On XX/XX/2015 I received ANOTHER Good Faith Estimate loan rate of 4.625, within days of closing. To get this far I had to back date documents per XXXX 's instructions, and DO to the extremely lengthy time frame, I needed to get a XXXX home appraisal at a cost of {$450.00}. I did not close on the loan do to the high interest rate, and in checking the average loan rates as of today ( XXXX/XXXX/15 ) are 4.125 - 4.250.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief