milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2017 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Settlement process and costs

Complaint: Bay Loan Servicing has been mishandling our loan modification since it was first initiated. After calls and e-mails on our part to the case manager, she either does not respond or just simply ignores us. The case manager weeks ago sent a XXXX packet which contained the legal documents to finally complete this process. We signed, dated and notarized there legal paper work. We also included our banking information in order for them to withdraw our monthly mortgage payments. We sent the return documents via XXXX and a week later we received a reply from Bay Loan via mail that they had in fact received our paper work and that our payments would be pulled from our bank account. Nothing else is needed from our end, since everything was properly completed. So fast forward to today and we receive a 3rd packet stating that they made a clerical error and that we now have to re sign all the documents again. How is this possible? When is this endless cycle going to end? We are requesting a call from corporate directly and need assistance with finally resolving this modification. We are law abiding citizens and jump through hoops to do the right thing and yet again we are told that the process must start once again.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hello, my name is XXXX XXXX XXXX. I have been trying for the last couple of months to settle a dispute on my Transunion credit report. On my report it shows that I have a mortgage with XXXX XXXX XXXX, inc. ( XXXX ). This account ( XXXX ) was not mine and my social security number ( XXXX ) was incorrectly and illegally tied to that account. I tried to bring this to Transunion 's attention in XX/XX/XXXX and XX/XX/2016 but nothing happened. 

I have communicated with XXXX and now have the issue with them resolved. However, the account still shows up on my credit report. This is stopping me from future loans/mortgages. 

This needs to be taken off my credit report due to it not being my account. As I believe it, XXXX have sent this information to Transunion. I have also tried several times to report this to Transunion. 

Attached is a letter from XXXX stating that they have resolved the issue and reported it to Transunion.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
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 paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on 'XXXX XXXX and other soft draw agencies. Went through BBB And Equifax just gave me the soft shoe shuffle!

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NJ).
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   has been removing positive credit accounts from my credit report for the past several months and has been refusing to reinstate those accounts back onto my credit report. With this negligence it has cost  my credit score to pl ummet substantially. They have as of today    XXXX   XXXX  ,2017 re moved my   XXXX   XXXX   XXXX   Discover Card,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   is reporting as a defaulted student loan even though it is a credit card account that is open and not closed. I have contacted all th e Data Furnishers and they have all re-reported the accounts and  XXXX  has yet to re-insert the information. This is wrong on so many fronts. This has cost me to my house that I was trying to purchase and has put everything on hold. This has to be taken car of ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2017 about Debt collection (I do not know) with SYNCHRONY FINANCIAL (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: this is fraud. someone is using my identity. a request was maid to this agency on XX/XX/2015 in my name that I did not agree to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Problems caused by my funds being low

Complaint: I was twice charged {$34.00} for overdrafts that were less than {$10.00}, so for over drafting {$18.00}, I was charged {$68.00}. Chase Bank would not waive the fees because they had given me a courtesy credit within the past year. This is outragegous. I understand from XXXX 's book The Unbanking of America that banks make a lot of their money charging people who can least afford it exhorbinant fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was recently viewing my credit report through experion credit report- and after looking at my credit report I did notice there were late payments on one of the cards. I thought that was odd because I do not have any debt on my credit all my debt is paid off. Doing some more investigation from XXXX I did find out I did have a negative balance of {$2500.00} of which I was not responsible for which is a result of identity theft. The Citi card was opened on XX/XX/XXXX and the card was closed due to charge offs. So someone did use my social security number, possibly my name with a different address to shop for the following items. 
After doing some investigative work online I did find out that the card is associated with Home Depot or it 's a CITI card that they issue to home depot. I initially called the CITI cards and they told me they do n't have me on file that I needed to contact Hope Depot in order to dispute the charges. After calling the Home Depot they gave me a CITI card number again and they told me to call the following XXXX numbers XXXX of the numbers is associated with their Home Depot CITI cards. XXXX. The other number is XXXX XXXX. 
I have n't had a chance to call the last XXXX numbers. I did contact some other government agencies and I did file a report. On the other hand I did contact the credit bureu and they did file an identity theft report and they are doing some investigative work and they 'll let me know what he result is in the next 30 days. So as a result I 'd like the following credit card issuers to clear my debt because its ruining my credit or I 'll be taking legal charges against CITI/Home Depot card for ruining my credit. 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 05/20/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: I rented a car from XXXX in XXXX XXXX at an agreed upon price, picked it up at XXXX XXXX XXXX in CT, and returned it to XXXX XXXX XXXX in XXXX.When I got home I realized I had been overcharged for the rental. Payment was with my Capital One Visa card. I requested a refund from XXXX, and on XXXX XXXX, I received an email from XXXX indicating that " a refund has been applied, please allow sufficient time [ sic ]. '' A credit never appeared on my Visa account, so after further inquiry of XXXX I received an email dated XXXX XXXX, XXXX, informing me that " a credit has been applied and too please allow sufficient time for the {$340.00} to apply to the visa card on file. '' It has been almost XXXX months since I rented the car, and my Visa account has yet been credited with the refund promised by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2017 about Debt collection (Other debt) with General Financial, Inc. (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I obtained a copy of my credit reports and discovered an account under XXXX XXXX pertaining to a collection. I sent my first letter ( XXXX/XXXX/XXXX ) disputing this account and also requesting validation. They responded but did not provide a valid signature. I sent another letter on ( XXXX/XXXX/XXXX ) again requesting validation, however ; again they responded but without a valid signature. According to federal law, XXXX XXXX XXXX is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they did not. I also requested validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. The company sent me some papers showing my name typed in, which is not a signature. Anyone can type a name, so please send me proof of a signature that shows validation. 

I have retained a copy of their signature and date of receipts, as well as time-stamped copies of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate and incomplete, and represents a very serious error in their reporting. Additionally, they have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, should they continue in their non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind them that they may be liable for their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

Company response to consumer: Untimely response
Consumer complaint received 11/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: my coinbase account was restricted and they say that I am under XXXX when I have sent them my drivers license many times I was born XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had XXXX federal loans with Navient Solutions, all which have different principal balances and interest rates as they were for the 4 years I was in college. As of XXXX XXXX, 2016, I refinanced my largest loan with Navient ( Loan XXXX for reference ). Per the statement on the website the balance to fulfill the loan obligation was $ XXXX. My new loan service, XXXX, paid $ XXXX to Navient, specifying the payment was only for loan XXXX. Following the funding of the loan, my statement showed a balance of - $ XXXX for loan XXXX. I called Navient and asked why there was a negative balance. I was told this was because the balance owed was really $ XXXX. I asked what the process was to get the $ XXXX back to XXXX as the re-financed loan with XXXX was at a higher interest rate. I was told by the Navient representative that they would write a check or wire the money to XXXX. Performing due diligence, I called XXXX to confirm their process. The process was confirmed by XXXX, and I was told that once the check or wire was received the $ XXXX would be deducted from my principle balance of the loan and I would be refunded the additional interest accrued at the higher principle balance. After 45 days ( I was told it would take XXXXXXXX days to process ) I called Navient. I was told by a representative that the $ XXXX was not sent to XXXX, as I had confirmed and requested in XXXX but rather applied the credit to the remaining XXXX loans serviced with Navient ( with different interest rates and balances ). Navient did this not only without my permission but also without any notification. I informed Navient I was very upset as the loan I wanted to apply the money to was a higher interest rate. I was not able to receive an explanation as to why Navient did this against my specific instructions. I pay every month on time, I have a perfect payment history ( all loans were in perfect standing at the time of being told a refund would be issued ). I performed everything to ensure this would not happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Credit card () with TD BANK US HOLDING COMPANY (FL).
Issue: Transaction issue

Complaint: I used my Target M/C red card which is supposed to get me a 5 % discount on target purchases. I made a {$23.00} purchase on XX/XX/2015 and they only gave me a {$0.00} credit and said it is 5 %. I also noticed that they are not collecting the correct amount of tax which is 6 % in Florida as they only taxed {$18.00} of my cat food purchase of {$23.00}. I suspect this has happened on all of my target red card purchases for the past 5- years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/13/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Certified letters have been sent to the accounts. I will attached the certified receipt. 

I have recently been informed that there is negative information reported by XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry from these company listings Late Over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCY. I am unaware of Late over 120 Days and ACCOUNT LEGALLY PAID IN FULL FOR LESS THAN THE FULL BALANCE LAST REPORTED DELINQUENCIES.. 
Please validate this information with XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. A legally binding contractual obligation to pay you the alleged amount. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

The inquiries not belonging to me are XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. Please provide me with viable proof that these belong to me. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Please update my report and remove the highlighted accounts and inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Credit reporting () with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This company has XXXX reports on my credit for internet loans of which I have no knowledge from another company. I have disputed more than once and they will not change nor provide any signed contract. I have been working on my credit and this I the main thing holding me back and I do n't now what to do next to take care of it. 



AD ASTRA REC XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$1200.00} Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX AD ASTRA REC Original Creditor XXXX XXXX XXXX TX Status XXXX Opened Date XXXX XXXX, XXXX Closed Date -- XXXX {$1200.00} High Balance {$1200.00} Remarks XXXX Item Results Result : XXXX, XXXX XXXX XXXX XXXX. 
Dispute Reason Ownership : XXXX. 
AD ASTRA RECOVERY SERVICES XXXX XXXX XXXX TX XXXX XXXX, XXXX Closed {$0.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AD ASTRA RECOVERY SERVICES Original Creditor XXXX XXXX TX Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- XXXX. 
Balance {$0.00} High Balance {$650.00} Remarks XXXX See something wrong? 
You could dispute an error with XXXX. 
Manage Your Collections Accounts

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am 3 year loan modification with my mortgage company, OCWEN, which reduced our principal over a three year period. I recently learned after being in the final year of our loan modification that OCWEN removed us from the principal reduction after one year into the loan modification. OCWEN did not notify us regarding the removal of the principal reduction program. We are current and have been current on our loan. We live in a XXXX square foot home with XXXX bathroom with XXXX children. At the end of the principal reduction our principal was going to be approximately {$380000.00} which puts us in great standing. OCWEN now states that we owe them {$570000.00}. Our current home value is approximately {$450000.00}. We were planning on selling this home at the end of our loan modification and upgrade to a larger home. If this does not get corrected we will lose our home. We have lived in this home for 9 years. We put a {$60000.00} down payment on the home. This is devastating for my family. Our loan number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have already filed a complaint with other companies however neglected to file with the last and final repository company. I have a debt being reported to the Equifax credit bureau that does not belong to me however I have been unsuccessful with having the company remove the debt although it has been identified as belonging to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Credit card) with The Shindler Law Firm (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ATTORNEY FOR XXXX KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.

Company response to consumer: Untimely response
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are XXXX different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into XXXX account. Therefore, for the last XXXX months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last XXXX months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made XXXX payments consistently. I contacted XXXX and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to XXXX regarding this, but I have also reached out to the XXXX major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- - XXXX XXXX/XXXX/XXXX {$25.00} XXXX. XXXX -- XXXX XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.

Company response to consumer: Closed with explanation