milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2017 about Payday loan () with Credit Central Holdings, LLC (SC).
Issue: Received a loan I didn't apply for

Complaint: A best-friend 's ex-boyfriend who stole her identity and credit, etc got a hold of my information and applied for a live check, but it was sent to me. I know they spoke to someone directly stating they were me, when they were not because XXXX of the correspondences from the credit company stated that " we spoke about certain personal property and items that i would give to them as a result of non-payment. Last night apparently a lady who was employed with the company came to my residence again, except my roommate happen to be there, and said this crazy lady was banging on the door for XXXX minutes, screaming my name saying " I know you 're in there, and you 're in trouble. '' Then she apparently went right to my window and began banging on it. At that point my roommate was a little scared. So the lady proceeded to then get in her car and hold her horn down followed by repetitive honking for another XXXX minutes. My roommate was sick and did n't know who this lady was, but she finally got to the point of infuriated, and got up opened the door, and described the lady ( who thought my roommate was me ) approached her and came up on her like she was about to do something. She said the lady was rude and threatening to call the cops and locksmith to see if I was inside home. XXXX or Credit Central needs to know the Fair Debt Collections Act before pulling another stunt like this. Also, calling my place of employment occurred as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with fraud alerts or security freezes

Complaint: All three companies ( Equifax, XXXX, XXXX ) demand I pay them for a Security Freeze after the largest breach of SSIDs in history. With my information more than likely lost in the Equifax breach, I find it to be near-extortion that the three credit reporting agencies are trying to gain a profit on this.
Equifax made the right move to waive all fees for the next 30 days, but why should there even be fees to begin with? Why should I pay so they have to secure my data that I never consented that they store?

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/2016 XXXX, IL XXXX PHONE : XXXX FAX : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I initially received a graduate student loan through XXXX in XX/XX/XXXX. The loan was then sold to XXXX XXXX and then to Navient. During the Obama administration when the student forgiveness programs were being introduced, I inquired by phone as to whether my current loans were eligible for the program or if I needed to make changes since I was working for a non-profit. I was told on more than one occasion that I did not need to make any changes to my account and that they would be eligible for the forgiveness program provided that I continued to work for non-profits. I have worked for non-profits since XX/XX/XXXX. I began submitted the required documents from my previous employers in XX/XX/XXXX as I was preparing for a career change. At that time I was informed that my loans being serviced through Navient were not eligible for the repayment program. I contacted Navient and was again told that these loans were eligible for the program. I attempted to appeal the decision and was reached by phone where I was informed that these loans are not in fact eligible. I have since changed providers to XXXX, however, I have six years of work at XXXX that will not receive credit towards the student loan repayment programs.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: After trying to get a Mortgage Modification since XXXX. On XXXX XXXX, XXXX I received a " XXXX Modification '', with the new principal balance of my note to be {$270000.00}. With a interest rate of 3.5 %. I am to pay this note for 19 years with a final balloon payment of {$180000.00}. Due and payable on the new maturity date. I also must have my signature notarized, and return the documents to Chase Bank by XXXX XXXX, XXXX, or I would no longer be eligible for this modification. My XXXX XXXX, XXXX Loan Overview, from Chase Bank, shows my Original Principal Balance to be {$170000.00}. My Unpaid Principal Balance of {$180000.00} At a interest rate of 7.36500 %. My Escrow Balance ( {$20000.00} ) My Unapplied Balance {$940.00}. And XXXX XXXX Balance of {$9100.00}. ( Minus my Unapplied Balance of {$940.00} ). This total is {$210000.00}. 
This " modification '' puts me in worst shape than I started out. It does not make my " XXXX XXXX ''. In the modification documents, Chase Bank does not state, why my Principal Balance was increased, by {$69000.00}. The web-site XXXX, shows my home to be worth, {$210000.00}. 
This " modification '' puts me upside-down, in the housing market. With no chance of refinancing to a VA loan for which I am eligible. Also I expect my home-owners insurance to increase substantially, due to the substantial increase of my new Principal Balance. 
How can this be a " XXXX XXXX Modification ''.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
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 obtained a copy of my credit report from Equifax. There 's a XXXX XXXX XXXX Court items listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Per the attached, the XXXX Courts emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. In this case, they claim to have validated this information through XXXX XXXX. However, per the XXXX attachment, I have a security freeze on my XXXX XXXX account which makes it impossible to validate that this information is correct. I have asked Equifax to remove this derogatory information from my credit file, yet they have refused. Considering the information indicates a Fair Credit Reporting Act violation, I need all XXXX information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The credit bureau mistakenly changed the " Reporting Date '' for the closed XXXX foreclosure # XXXX on my credit. There is no reason for this to have happened. Two months ago, this account had a " XXXX '' balance with a Last Reported date of XX/XX/XXXX. It has been this way for years. Somehow, the credit bureau has now changed the " last reporting date '' to XX/XX/XXXX. This is clearly a problem because there has been no new activity for this account and this is causing my scores to be affected negatively! How can there be a new reporting date for an account that has been closed for over three years? This does not make any sense. I am including screenshots from saved credit reports I have for XX/XX/XXXX and XX/XX/XXXX. You can clearly see the credit bureau is now reporting " XX/XX/XXXX '' as the Date Last Reported. I need this to be changed back to " XX/XX/XXXX '' immediately. I am trying to get a mortgage and I have been turned down because of the credit bureau 's inaccurate change to this account.

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 05-12-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Complaint  ID  XXXX .   LVNV FUNDING LLC did n't provide any document with my signature.   This purchase was a case of identity theft.   Where was the merchandize sent to?   Where is the signature of the receipt?

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit card () with DISCOVER BANK (MT).
Issue: Balance transfer

Complaint: I received an advertisement from Discover Credit Card approximately three weeks ago. I do n't remember if it was in the mail or via email. It advertised a low interest and zero cost balance transfer from another credit card. So, in part of the online application process, I included balance and account info from the other credit card company, so if approved Discover would automatically transfer the balance. The screen then switched to another menu and I was informed that I was not approved for the special rate. I was asked if I wanted to open the account anyways. I said yes, and opened the account. 
I want to be very clear, at no time was I offered any information about a balance transfer under a different offer. I was completely under the impression that I received a new credit card account, and that was it. I was not told about a new modified from original offer for a balance transfer, fees or rates. 
I received my new credit card and activated the card and set up on line access. They offer a service where you get text messages whenever something happens with the account, I activated this feature. 
A few days later, I received a text message, letting me know that Discover had authorized a balance transfer. I immediately called. They stated that they understood, but the transfer was already in process and they could not stop the payment, their adivce was to contact my other CC company and have them refuse payment. I then called my other credit card company, and they said there was nothing they could do, the money would come electronically. Their advice was to call back to Discover and have them stop payment. I re-contacted Discover and asked them again to stop payment. I was informed at this call, to wait until the money was transferred, and finalized and then call them back and they would fix it. I then called Discover on XXXX/XXXX/2017 and spoke with a rep named XXXX. He was empathetic, but that 's it. I was told the transfer stands, there was nothing they could do about it, my only option was to contact back to the other CC company and request a balance transfer back to the other account. 
I was stuck with the almost {$70.00} in transfer fees and a much higher interest rate than I was previously paying. I asked if they would at least remove the balance transfer fee. I was told no. I asked for a lower interest rate. I was told no. 
I would not have approved this balance transfer if given the option. I 'm paying a higher interest rate, plus fees to transfer. I was only interested in the " teaser '' advertised rate, of no fees and low interest. During the application process, I was not given a choice, nor told it would transfer anyways with the different approval IE higher fees and rates. I was told there was nothing they could do, or were willing to do, I was stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (MN).
Issue: Application, originator, mortgage broker

Complaint: I applied for mortgage w Amerisave and got approved. I reseived disclosure and I reviewed it on XXXX/XXXX/2016 and found error in the value I listed my house price ( I do n't know if I added XXXX or they added ) I flaged it several times and uploaded it to them on the same day. I followed that with phone calls to them and they told me not worry and it is normal mistake. They reviewed the disclosure and did n't update me on any any thing and proceeded with appraisal ( cost to me {$800.00} ). After the appraisal I received a new disclosure with over {$8300.00} of extra fees. This substantial amount and I 'd have stopped the refinance and appraisal over this since the refinance rate is the same as the original rate and this will take away large amount of the cash out. I asked for a refund for the {$800.00} but they refused. They clearly violated TILA and I disputed the charges with my credit card company. I 'd like your help in resolving this matter. Please advise on my options.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2017 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (RI).
Issue: Account opening, closing, or management

Complaint: I am writing about my American Express Blue for business account. Amex cancelled both my cards and tripled my interest over a repeated billing problem even though I caught the problem when it happened and called in a payment immediately. My payment was never delinquent more than 4 or five days. They cancelled both my cards and raised my interest rate from 8.99 % to 29,74 % on the {$18000.00} I owe them. My membership with Amex since 1980 is proof enough that I am a good customer and that I pay my obligations on a timely basis. 
I 'm retired with a fixed income, did Amex just not want my business anymore because of that?

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (NC).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2016 I swiped my card to pump gas at Shell located at XXXX XXXX XXXX XXXX NC. When I went to make a purchase immediately after pumping gas, I discovered that Shell had placed a hold of duplicate transactions of XXXX dollars. In other words, they had held a total amount of XXXX dollars on my card when I had only pumped XXXX dollars of gas. I went back to the store to talk to the cashier and she was an XXXX Lady and she refused to hear what I was saying and said that she was not going to do anything. Later, I was able to call my back and cancel the XXXX transaction but I just noticed that Shell still has a hold placed on my card of XXXX dollars on my card account. This hold has been there since last Friday and I would like my funds released so I can use them for myself. I am not able to use these funds because Shell is holding it and I think it is very unfair to hold my money this long and for this amount for a {$25.00} gas purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2016 about Debt collection (I do not know) with USCB, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I have tried to communicate with USCB America for the past 8 months in regards to an account ( XXXX ) they have placed on my credit which is totally false. 

The original creditor is XXXX. I have always been insured without any interruptions or slow pays and I actually have worked for XXXX as a nurse for the past 7 years. 

The account is totally bogus. I have sent them several notices in the mail and they have not responded to any of them. However the account remains on my credit and they have responded to the credit bureaus and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I graduated college in XX/XX/XXXX. Through the past years I had trouble paying my monthly payments for the loans. I did deferments and forebearances throughout the years while I went to XXXX in the XXXX. I graduated in XX/XX/XXXX. I am not a XXXX though now. .My student Loan provider was XXXX and then changed to Navient. Since XX/XX/XXXX, I have made payments every month with a couple of late ones but always paid the amount owed. I have made a total payments of around XXXX dollars but yet my principal balance has not gone down at all. I do n't understand how this can be. I do n't know why some of my payments are not going toward the principal balance. All I have been doing is paying interest or something. I heard there is some lawsuit. Do I get to be a part of that or how do I join that lawsuit against this company? Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter stating it was a follow up letter from XXXX ( never received first letter ) that I had 15 days to validate this debt before they started reporting to the credit bureaus. So I immediately sent them a debt valadition letter certified mail stating they needed to verify this because the original bill was already paid. I never received any other bill from XXXX XXXX XXXX. They received it on XX/XX/XXXX and failed to validate this alleged debt that was owed before reporting to the credit bureaus. Which is against the Fair Debt Collection Practices Act FDCPA.

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 06/16/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My HELOC was interest only and became Interest and Principle to be paid in 5 years. I asked Specialized Loan Servicing to do a HAMP2 to make my home affordable on this XXXX mortgage, I have a Hamp on the XXXX. They refused and did a modification lessening the payment by about {$80.00} a month Payment $ XXXX per month. Now I am asking for a modification or short pay buyout and this has been going on since XXXX XXXX, 2015, they keep saying they have not received the documents requested and I have email them many times. Attached are the Documents they requested and said they did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Mortgage (Other type of mortgage) with BANKERS MORTGAGE CORPORATION (OK).
Issue: Closing on a mortgage

Complaint: My Husband and I applied for a loan and were approved. We found a house and started closing process. They had me jumping through hoops 24/7. It was so hard to get a hold of XXXX XXXX. When we did get a hold of her she was short and very rude. We are going through XXXX XXXX MAPS program. The program requires some paper work they had to request from her and you could tell she did n't want to deal with us. We got to our closing day almost. The day before I got a phone call requesting a year worth of utility bills and if I could n't close. They said we no longer had enough credit which they knew our credit when the pre-approved us. We have really good credit scores. We just did n't have 3 lines. It seemed like from the start they did n't want to lend to us. They just dragged us along knowing the entire time it was n't going to work. They we 're so unorganized it was crazy. They are very unprofessional and discriminated us because of our age. 

When they dropped us they told us we could still use the appraisal then turned around and wanted {$600.00}. I am so disappointed in this company and ca n't believe the way they treated us. I think its all because of our age they just slung us around thinking we had no clue about what they are doing. They took advantage of us! They have made our first home buying experience horrible. They do n't care anything about others. It took them about 3 months to tell us no.

Company response to consumer: Untimely response
Consumer complaint received 01-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NJ).
Issue: Money was not available when promised

Complaint: Hi, I have a transfer that was created XXXX XXXX and should have arrived XXXX XXXX the latest. The wire was for {$10000.00} and I was charged with a {$25.00} fee which I agreed to. I 've contacted the company and emailed them they let me know it would arrive today and it has not. I was promised 1 business day transfers. 

XXXX XXXX 2017 XXXX XXXX XXXX XXXX XXXX {$9900.00} USD COMPLETED REFRENCE : XXXX account is under my email XXXXXXXXXXXX Please look into this issue.

Company response to consumer: Closed with explanation