milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-10-2018 about Debt collection (Other debt) with Source Receivables Management LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I owed XXXX a balance of {$290.00}. They sent it over to source receivables for collections. I went to XXXX on XX/XX/18 and the employee called corporate and they agreed to consolidate it and i pay half to have my services restored. I paid {$140.00} on XX/XX/18 and they restored my service. This debt is resolved and paid yet still on my credit report and I want it removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been repeated called by XXXX XXXX after changing my number two times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. 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 explanation
Consumer complaint received 02-08-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I refinanced my student loan with XXXX on XXXX XXXX 2016. The check was sent to Discover on XXXX XXXX 2016 and cashed the following week. They have not reported to the credit agencies that the loan is closed. They also have yet to provide a closing statement and refund me approximately {$1100.00}. This also has dinged my credit score because today, due to their lack of action, I currently have XXXX student loans outstanding. Their customer service and misinformation is very stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: We are late on our mortgage and have applied for modification in the past. The modification process can only be described as incompetent at best, and deceitful at worst. Documents are lost, the file is never complete despite repeated attempts to be told exactly what is needed, and in final review, no meaningful accommodations are made. More recently, I have been given different information each time I call in to find out what payments can be made. I was told to mail in checks because they wo n't take partial payments over the phone. One check was cashed and applied, the next was returned. In fact, I had called to see if they had received it and they said they had no record of the check arriving at the office. Obviously someone had received the check, and reviewed the account to the extent that they were able to return the check. But no customer service rep was informed or would tell us what was going on. We were told on Saturday the XXXX of XXXX, XXXX, that the account had not been referred for foreclosure. On Monday the XXXX, we received a certified letter that it was in foreclosure. On Thursday the XXXX, I called Chase to find out what options we had. I made arrangements to pay {$3600.00} on Friday, XXXX XXXX, XXXX, which when combined with an unapplied balance, would cover XXXX, XXXX and XXXX XXXX payments. They told my husband the same thing earlier in the week - that they would accept 3 month 's payments. Today, I received a phone call that the account was returned to foreclosure status on Monday, the XXXX of XXXX XXXX, and that three months payments WOULD NOT be accepted, and we had to pay all past due amounts plus fees. They did not have notes of our prior conversations with reps. 

This is either sheer incompetence or a systematic way of doing business that puts consumers in a precarious position. It is a shameful way to conduct business especially in light of the fact that Chase was the recipient of a generous bailout during the subprime mortgage crisis of XXXX and XXXX. 

Please help in any way you can. We are just two working people who had a very hard time during the recession. We have a college student and a XXXX in high school, and are managing our own student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: For the last year I have been paying Navient {$58.00} monthly. All of a sudden on XXXX XXXX 2016 Navient withdrew {$1600.00} from my account leaving me - {$320.00}. They claimed to have emailed me telling me to renew my payment plan or I would automatically be put on a 10 year repayment plan at {$1600.00} a month. 

When I asked what email address they had on-file they answered with my out-of-date student email address. On two separate occasions, I asked my email address be updated. It never was. 

I am now completely broke, incapable of feeding myself and incapable of paying for my XXXX to get to work and come home. I have been told my claim is expedited and I will be reimbursed in " at least '' one week, most likely two weeks. 

That means I am incapable of feeding myself and getting to work for 1-2 weeks. I make {$740.00} every pay period. That means my next paycheck will go, mostly, to bringing my account up from - {$320.00}. 

This is unacceptable. Navient is a major monolith of a company. The company would be just fine if I died today and never paid them again. I -- we individual citizens, however, directly suffer from Navient 's carelessness. 

I have bills and other loans that need to be payed. I am terrified by the thought of how this issue will negatively impact other financial responsibilities of mine. 

I live on a tight budget and I barely make things work. Navient has completely crippled me for the next 1-2 weeks. I, quite literally, am not sure how I will " make ends meet '' until Navient pays me back. And I do not know when I will be paid back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-11-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Credit line increase/decrease

Complaint: I have an account with Bank of America and recently I got a letter in the mail stating that my credit limit was decreased and that they did a random review and decided upon that. I then called the company stating that because they did decrease the limit my debt to credit ratio will be higher. I was assured because I have not used the card it would not be up. Well a week later I got a statement stating that my bill will go from {$58.00} to {$150.00} this is all in the span of a week. I reached out to several associates including a supervisor and the companies consolidation firm and was told I didnt qualify for anything because I had a great payment history. I was confused because the increase on my low income would be hard to pay considering my budget. I was also told that if I can afford one payment I could afford the other and try government agencies like welfare and food stamps. I have never had a company decrease my limit and had a huge jump in payment when the card hasnt been used in months.

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 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
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: On around XXXX XXXX, XXXX, I submitted a copy of my drivers License and social security card along with a letter to the CRA and instructed them to update my personal information including address, phone number, and employer. I have repeatedly requested to have this information updated as I followed all of their procedures by sending in documents to verify my identity. As of XXXX XXXX, the credit report still shows inaccurate personal information.

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 11/17/2017 about Debt collection (Other debt) with Receivables Performance Management, LLC (AR).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX made a settlement deal with me to pay XXXX XXXX an early termination fee for {$280.00} that would settle a {$400.00} bill. It was paid in two payments of {$140.00} on XX/XX/XXXX and XX/XX/XXXX. After making the payment on XX/XX/XXXX I called back to just go ahead and pay it in full same day. The man on the phone said the payment for XX/XX/XXXX could not be changed because it was already in the system. After receiving the settlement amount they post I had an unpaid balance of {$120.00}. They have refused to correct this matter. Their reporting caused this false information caused my credit score to plunge 45 points. I want them to delete the false reporting from my records.

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 08-05-2016 about Credit reporting () with Accurate Background (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Accurate background check list me having lived in States that I have never lived in including a State I 've never been to.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (NH).
Issue: Problems when you are unable to pay

Complaint: My husband and I went to a company called USA discounters back in 2009 when we were XXXX with our XXXX child and just getting settled right off base. We were both in the Military. Everything was fine, until my husband was suddenly XXXX three days after I XXXX and I moved home to be closer to my family. Money was extremely tight, things were getting worse, and we started missing payments. The payments were around XXXX a month. USA discounters started calling us threatening legal action, and finally started sending letters talking about taking us to court ... in XXXX. I lived in XXXX at that point and my husband was in XXXX. There was no way we could have ever gotten there. Now, this debt sits on my credit score. It gets updated every year, and it has prevented us from getting a house. We have XXXX small children. I still do n't know what to do. I 'm hesitant to even try and pay it, because of how terrifying these people were in the past to us. Now it is with a credit reporting agency, the same one who USA discounters was sending these horrible notices through. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 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: I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with XXXX and Transunion getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.

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 05/14/2015 about Debt collection (Medical) with Simon’s Agency, Inc (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: First off, I could not find an appropriate description of my problem in the drop down menu for the question : " Which of these best describes your issue? " In XXXX I started to receive calls from a Simon Agency for unpaid medical debt since XXXX that I was not aware I had. After several conversations with them clarifying what they are asking for, as I believed I had paid all my medical bills, I ended up paying this unexpected additional claim for {$750.00} that they came up with. 

I just realized today that this XXXX delinquent medical bill I paid in full in XXXX XXXX has been reported as XXXX different delinquent accounts some of which for {$30.00}, others for {$18.00}, etc - all broken up. I spoke with this Simon agency today and they claim that these charges are for different doctor visits and therefore reported as separate accounts. However, I visited the same hospital and all the work was done within this XXXX hospital, and this was XXXX bill that was unpaid. I am XXXX person and I went to XXXX hospital that claimed I owed it money. I personally would not care how they reported but in this case this policy seems to be invented so as to hurt my credit score. I realize how beneficial this is to the financial institutions who can now use the excuse to charge me higher interest rates on any services I might need within the next 7 years. 

Unless you are part of the scheme created to hurt innocent citizens, I would very appreciate your backing me up and consolidating the appearance of these separate accounts into XXXX. 

Also, if your bureau really stands for consumer protection, I would expect you to go after such practices and remove them from existence before they occur. 



Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: Hi, There is incorrect family relationship information being reported both privately XXXX including to my Bank, XXXX XXXX - and publicly ), that is associating my identify to that of my ex-husband. We divorced in 2002. The information being randomly selected by XXXX XXXX, to verify my identify has to do with my ex-husband and his extended family. This has been an ongoing problem that I am unable to resolve or get additional information as to how this is association is being made / by who. XXXX XXXX insists that they are unaware of how the association is being made, therefor they can not disclose or report back in order to have the information updated, even by me directly. I have tried in the past, to no avail, to directly contact individual credit reporting agencies to see if the linkage is being made through the individual agencies, but have been unsuccessful. I have looked through credit reports and called to core companies of which we may still have an association and no luck there either. 

I need assistance in remedying and not sure who is in the proper position to help. 

Thanks so much in advance.

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 11-07-2015 about Credit card () with WELLS FARGO & COMPANY (GA).
Issue: Credit card protection / Debt protection

Complaint: wells fargo sent a new card to an address that is not mine and did not request refused to take false address off my account. refused to resolve problem or help me find the person that canceled my card and had a new card sent to them. told me they could not take false address of my account. no help offered status of account. do not know if crook is out running up charges on my account or not .the crook has total control they claim I can do nothing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: IN REGARDS TO : XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX PHONE ( XXXX ) XXXX. I HAVE SENT MULTIPLY CERTIFIED LETTERS TO THIS CREDITOR ONE ON XX/XX/XXXX AND HERE RECENTLY ON XX/XX/XXXX WITH NO RESPONSE BACK. THE LETTER WAS SIGNED BY AGENT XXXX XXXX. I HAVE NO IDEA WHO THIS COLLECTOR OR CREDITOR IS. I HAVE ASKED NUMEROUS OF TIMES FOR THEM TO PLEASE PROVIDE UNDER THE FDCPA TO VALIDATATION EITHER THEM OR A THIRD PARTY COLLECTION AGENCY? I ASK THAT THEY SUPPLY ME WITH THE FOLLOWING. PROVIDE ME WITH THE ORIGNIAL CREDITOR AND PAYMENT HISTORY? PROVIDE ME WITH COPIES OF ALL LETTERS SENT TO ME FROM YOU AND THE ORIGINAL CREDITOR REGARDING THE DEBT? PROVIDE THE COPY OF THE ORIGINAL CONTRACT BEARING MY SIGNATURE? PROVIDE WHEN THE ACCOUNT WAS LAST UPDATED? PROVIDE ME WITH THE LAST DATE A PAYMENT WAS MADE ON THIS ACCOUNT? PROVIDE PROOF YOU EITHER OWN THE ACCOUNT OR WERE ASSIGNED TO THE ACCOUNT FROM THE CREDITOR? PROVIDE ME WITH VALIDTY OF THE DEBT THAT YOU ARE REPORTING ON MY CREDIT REPORTS? PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? AS A RESULT TO ALL MY QUESTIONS I HAVE RECEIVED NO ANSWER FROM THEM VALIDATING THE ACCOUNT AS WELL AS VERIFICATION THAT THE ACCOUNT ACTUALLY BELONGS TO ME. IF THEY CAN NOT PROVIDE ME WITH THE PROPER DOCUMENTATION AS REQUESTED IN THE FOLLOWING DECLARATION, THEY MUST DELETE AND REMOVE ALL INFORMATION COMLETELY FROM MY CREDIT FILE INSTANTLY.

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 05/22/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian continues to post a public record that does not belong to me, they shows it as remaining, and have not followed up with the XXXX County Record of Deed, they do not have a tax lien for me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Look. I am trying to get a credit card? All I am trying to do is pay my bills. Have legit job. BUT all these credit company. All I asking for a credit card. To open a business an started. I been discriminated on because company 's like XXXX XXXX. Other credit card company 's

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX is reporting to the credit bureaus that i am 30 days late. The account is not late and the reporting needs to be corrected. Per the credit bureau the account is late for XX/XX/XXXX and XX/XX/XXXX. Per XXXX XXXX XXXX  records i have made payments before the 30 day mark. My account is due by the XXXX of each month 1 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXX payment 2 ) XX/XX/XXXX received {$1200.00} to satisfy XX/XX/XXXXpayment 3 ) XX/XX/XXXX received {$1200.00} to satisfy theXX/XX/XXXX payment 4 ) Not sure how XX/XX/XXXXcan be marked as late when the month of XX/XX/XXXX is not over yet My account is due on the XXXX of each month, as you can see we are not 30 days late, we are close to the 30 day mark, but it is not 30 days over. I am requesting that the credit bureaus be updated to reflect payment on time. My mother in law has directly paid the mortgage sinceXX/XX/XXXXand somewhere a payment was missed. In XXXX, i will be making a double payment to ensure that we are not so close to the 30 day mark.

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 01-10-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (GA).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/XXXX I initiated a wire withdrawal from Coinbase. 
The transfer ID is XXXX The amount was for {$10000.00} USD Outgoing to XXXX XXXX XXXX XXXX The estimated payout date was XXXX XXXX - XXXX XXXX, XXXX UTC I have tried reaching out to the company through a support ticket but have not heard back. 
I am worried about my money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (NC).
Issue: Unexpected or other fees

Complaint: I was a customer of netspend premier card. My student loans was loaded on the card every 3 months. Every time my money was deposited I will have funds disappear from my account. The last time this happen I kept calling and complaining because over {$600.00} went missing and when I look at my history on my account it showed atm withdrawals I didnt make and even some store and online payments that was claimed to be purchased by me.I finally reached customer service to dispute these problems with my account. Some of the money was credited back to me but still was out of over {$600.00} in money lost.When I tried to call and ask them to dispute the rest of my money because I felt like my account was hacked I was turned down and sent a small check not even close to all my money I had lost and account was terminated. I read other post about the same issue I had and it I 'd not fair how we load our funds to this card to get done wrong by netspend and XXXX. Please help!

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