milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The United States Bankruptcy Court does not report to the credit bureaus.  Lexis Nexis  does not own my bankruptcy account and therefore can not report my information to the credit bureaus. This information needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Mortgage (VA mortgage) with LoanCare, LLC (HI).
Issue: Struggling to pay mortgage

Complaint: I 'm so frustrated with this company. First off we had an amazing company that sold off our loan to this one and we were XXXX overseas. 

Immediately, i had issues paying online so had to call in our payments monthly, which I had to pay an additional {$15.00} just to pay by phone. When I FINALLY was able to get a real customer service rep on the phone he had an extremely poor & aggressive attitude and when I stated we 're military XXXX  overseas and surely we were n't the only customers of theirs that could not access the website he stated " Well obviously NOT, our website is for US residents only ... '' Like who thinks it 's ok to talk to someone this way? So because we were XXXX overseas we get penalized by LoanCare and forced to pay additional fees just to make mortgage payment?! 

I am currently trying to pay our bill, we now live in Hawaii and able to access the site online but for 3 solid weeks I have not been able to get a single person on the phone. I get prompted to leave a number and the next available team member will call but I 'm certain they just dump that list and never call anyone back. I have sent multiple emails with no response other than an automated reference # that the email had been received. 
I wish we were in a position to refinance with someone else. This is completely absurd. 
I have reset my password 3 times and still it 's telling me that it is incorrect.

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 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My home address for the last 38 years has been  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx,  XXXX . We did have at  one  point a property on  XXXX   XXXX   XXXX   XXXX   XXXX , Tx. On my credit report, there are  XXXX  addressess I have never lived at and I have no idea who they pertain to, these addresses are  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , Texas  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Tx  XXXX  and  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX , tx  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 non-monetary relief
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with SOUTHERN MANAGEMENT CORP. (SC).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: im behind on my payment i had personal issues going on ive written the office in regards of this matter but XXXX XXXX called my job demanding i make a payment insted of being professional about these issuse and my loan shouldnt be discussed with another loan compant in which this is confidential i think its very disrespectful calling someones job.

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 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (AZ).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Signed up for the American Express Premier Rewards Gold card, last year around XXXX timeframe under the bonus offer of : Spend XXXX in the first 3 months and receive 45k points and also spend XXXX the next year ( from XXXX XXXX, XXXX to XXXX XXXX, XXXX XXXX and receive 2k additional points. 
I have spent the required {$2000.00} and still have not received the points even after contacting customer server 3 seperate times. The last lady I talked to said that marketing made a mistake with the dates. 
I have original screenshots of the original offer when first applying and also amex sent me an email reminder about the 25k points as well. 
I will attach to this submission.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MD).
Issue: Money was not available when promised

Complaint: Submitted ACH withdraw of XXXX USD from coinbase.com on XXXX XXXX, was given a receive date of XXXX XXXX. Coinbase shows the the withdraw has been completed to my bank account but funds have not been credited. Contacted my bank and they have no evidence of an ACH transfer to my account. Contacted Coinbase through email and phone with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: SETERUS INC is reporting a delinquent account. XXXX XXXX on my credit profile that has exceeded the statute of limitations. The account was to be remove XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for a Capital One credit on XXXX XXXX. Capital One hard pulled my XXXX credit report on the XXXX and they hard pulled XXXX again on the XXXX. They denied my application on the XXXX saying the reason is there are too many inquiries on the XXXX credit report. This is ridiculous! First of all, Capital One does not need to pull my XXXX report twice in two days. Secondly, after they hard pulled my credit report twice in two days then denying my application based on that makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX The companies listed above are reporting inaccurate/unverified information.The companies are reporting a paid, closed, or satisfied account as open with a balance. 
I recently check my credit report and see that UNVERIFIED/FRAUDULENT information is being reported to my account. 
Thursday, XX/XX/2018, I called XXXX XXXX Company. I spoke with a XXXX XXXX which I have a voice recording for proof. The representative stated that Alleged Debt Of {$550.00} was sold meaning the debt was satisfied. The Alleged debt is being reported as a late/open account which is closed and needs to be removed. The alleged debt was sold to who XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX for {$550.00}. With whom I have no contact with, I did not grant permission or authorize the use of my information to be reported in any way. This is identity theft I do not know who XXXX XXXX XXXX is and I demand this information be removed immediately. I have requested that this Alleged that has been satisfied removed from my report. 

XXXX XXXX XXXX XXXX UNVERIFIED XXXX XXXX UNVERFIED

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with ACS Education Services (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Dear Consumer Financial Protection Agency, I write to report the predatory Student Loan repayment practices of ACS/XXXX. 

My Federal Stafford Loan payment is due on the XX/XX/XXXX of each month. 

I made a XXXX payment ( nearly XXXX dollars more than the required monthly amount ) for XX/XX/XXXX at XXXX The {$150.00} payment was then scheduled for XX/XX/XXXX ( please see attachment ). 

However, ACS/XXXX did not process XXXX payment amount until XX/XX/XXXX, and charged me a {$5.00} dollar monthly late fee. 

This has happened several times with ACS, and is not only unacceptable but unlawful. 

When I called and asked for a credit for this monthly fee, I was informed that, although I had paid in advance, there was nothing ACS/XXXX could do, and they further indicated I will need to make my monthly payment even more days in advance to prevent them from egregiously charging me inexplicable fees. 

Please help. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Debt collection (Credit card debt) with BlueChip Financial (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: the company called and did caller id spoofing showing on the caller id that they were with the XXXX county clerks office and said they were going to summons me the following day for fraud for not paying a debt owed to XXXX   XXXX. they gave me an " attorneys number for XXXX XXXX  XXXX XXXX they also gave me an affidavit number of XXXX. When i called the number they threatened that i was going to be served for fraud and malicious behavior to a financial institution and demanded a payment of XXXX via debit card immediately. then when i refused she said she spoke with the " attorney '' she offered for me to pay XXXX/mo for 6 mos. when i then refused that and asked to speak to the attorney she said he would not speak to me. i ended the call. 

The following day i called the number again and demanded their company name as they do not disclose it when they answer the phone. She refused to give it to me and kept asking me who i was trying to call. i asked if they were a law firm and she hung uup on me. i called back and she gave me an address of XXXX XXXX XXXX XXXX. XXXX il. and told me she was giving me notice to not contact them as it was harassment to them. I told her that they were harassing me and they were the ones committing fraud and she hung up on me. I researched the address she gave me and it does not exist in Illinois. it shows as a residential address in Washington. I called the XXXX county clerk and explained the situation. The clerks office said they would report it to the sheriffs department. I wish for the company to cease collecting on debt and provide me with proof of it. i also wish to receive compensation of XXXX for damages. I will also be contacting the attorney general.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kenneth E. Davidson, Attorney (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Has threatened me with my IMMEDIATE ARREST. This debt collection attorney has stated that a bench warrant is PENDING and it was going to be UNPLEASANT FOR ME. 

I AM A XXXX VETERAN. I have XXXX AND A XXXX XXXX XXXX. This situation has caused undue stress and hardship on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Managing, opening, or closing account

Complaint: On XXXX XXXX, 2016, i call American Express Serve to report a transaction i did n't recognize, XXXX told me that they would do an investigation and get back with me. On XXXX XXXX, 2016 i was about to pay for breakfast with my card and it declined. I check my balance and my payroll deduction was there {$950.00}. I called XXXX and was told that i was issued another card and that the XXXX i had was closed, and that i had to wait until the new card arrived. I was due to go on a trip the next day. I had to borrow monies to take this trip because i could n't get my monies off my card. When i returned from XXXX TN i had learned that my card had not arrived I called XXXX an demanded that they do a XXXX XXXX so that i could pay back the monies that i borrowed they stated that they would do this one time and it would be done the next day. I had requested this to be done before i went on my trip i was told that they could n't do it. I received my money on XXXX XXXX but i still had not received the card i needed it because my next payroll deduction was to be placed on XXXX XXXX. XXXX needless to say XXXX decided to issue me another card on XXXX XXXX so here we are waiting yet another 10 days for my card to arrive I was told it would arrive today XXXX XXXX, 2016 my monies are still on the card. I 've had to prolong paying some of my bills because of this delay. When a person has monies on their cards there should be some kind of policy where it 's treated like an emergency and instead of XXXX to 10 days to receive a new card it should be overnight or XXXX to 2 days people are being put in hardship for nothing. I had have removed my payroll deduction to another bank but i will only use XXXX for minor things like online shopping. I will never get put in this position ever again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: I had a credit card with Kohls, I was making monthly payments on my account that had a low balance strictly for the purpose of failing my credit scores, I got an alert on my FICO app saying my score dropped XXXX points because of a 30 day late payment, I had paid the balance the day before, apparently they were adding a {$37.00} a month fee because I was not paying on the exact dat, they did this for XX/XX/XXXX,XX/XX/XXXX, making my minimum payment not enough, not telling me this. I called an Kohls said there was nothing they could do, I canceled my card after paying a {$1.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Calvary Portfolio, LLC does not have a surety bond and according to the Texas Code 392.101, third party debt collectors are not allowed to collect on Texas residents unless they have obtained a surety bond. This account should be removed from all XXXX credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My Citi credit card was charged {$11000.00} and {$11000.00} on XXXX XXXX 2017. I called the credit card company immediately and closed my credit card. The charge of {$11000.00} was disputed and I got the credit for one of the charges ( {$11000.00} ) the next week. However, the other charge of {$11000.00} is still on my account. 
I called the company more than 8 times. Every time I had to wait on hold for about 1 hour to get to talk to someone from the dispute team. I was always told both charges ( {$11000.00} and {$11000.00} ) are already disputed. They explained to me that giving the credit back to me takes some time, but I was guaranteed it will be credited within the next 3-5 days. However, it 's been almost 3 months since I called them for the first time and I still have that fraud charge on my balance. This is already hurting my credit score and also affects my life greatly because of the lower credit limit I could use.

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 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: On or about XX/XX/XXXX I filed Chapter XXXX protection listing my student loans on all paperwork. In XX/XX/XXXX the case was discharged.
I have since sent the information to several servicers who purchased the loans from XXXX XXXX. To date these are claiming that they are aware of the said Chapter XXXX despite them having full access to public records and my submitted the documentation

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Struggling to pay mortgage

Complaint: My husband and I recieved a mortgage in XX/XX/XXXX from Bank Of America to purchase our home. Because of the price it required 2 mortgages, One was a balloon mortgage due in 10 years ( XX/XX/XXXX ). We never missed a payment on either note, When the balloon note was due we just assumed they would refinance it for us as we could not pay it off at that time. They would not refinance because the value of our home decreased. I called BOA for advice and was turned over to their debt collection department. I was told to do a loan modification but to keep making the payments on the loan. We sent in 3 payments which were returned to us and was told pay the balance or nothing. I did as the my account manager asked, sending in documents regarding our income etc, For a period of 5 months I dealt with several different personal account managers and underwriters. Nearly every week the account managers would call and say that the underwriters wanted more information about our finances etc. Just when I was told that was probably it, the account manager would call back the next week with more questions from the underwriter. All this went on from XX/XX/XXXX to XX/XX/XXXX. This caused us to be in default on the payments of 5 months! We did finally get the loan modification but at a higher monthly payment and interest rate. I was told in the beginning the monthly payments and interest rate would be lower. 
BOA sold our first mortgage a few years ago to XXXX but BOA retained the balloon mortgage. We asked XXXX ( now XXXX XXXX ) if they would combine the 2 mortgages and at a fixed rate. ( The mortgages we have are not at a fixed rate. ) We were denied because of the missed 5 payments to BOA. We are both in our XXXX and even if we tried to sell our home now it would have to be a " short sale ''. Not something we want to do at this point in our sunset years. 
We feel these missed payments were not our fault. The BOA underwriters did not have their act together in my opinion. There was no reason this loan modification could not have been done in a few weeks not 5 months! I would appreciate it if BOA would issue us forgiveness for the missed payments and report this forgiveness to the credit bureau.

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 08/15/2015 about Debt collection (Mortgage) with Dyck-O'Neal, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Dyck Oneil ( Texas collection agent ) is attempting to collect on a mortgage deficiency related to a foreclosure on my Florida home in XXXX 2014. They have failed to properly validate the debt, including the original credit information, and there was no deficiency judgment on my foreclosure. The final sale and transfer was completed XXXX/XXXX/14 and the one year Florida statute of limitations on any deficiency action has expired. I have contacted them multiple times and they have continued to report this debt, with a new " start '' date on my credit report in violation of the FDCPA. Experian continues to report this date in error and will not remove it without additional confirmation from Dyck Oneil.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Hi. My dad and I rented a property together in XXXX. My dad fell ill with a XXXX and his doctor ordered that he be placed in a XXXX ( XXXX ). My dad actually qualified for the property due to his financial status. However when my dad moved, so did most of our resources, leaving me with my income to care for the household. I got behind 45 days and received an eviction notice. I concurred with the eviction and vacated the property in XXXX XXXX or XXXX XXXX. Homeless, my XXXX kids and I stayed in a motel.To make a long story short, in XXXX of XXXX, out of NOWHERE, i received a letter from National Credit XXXX from the property management company saying I owe {$7900.00} for various damages. I left the property clean with no damages. I have been away from this property for over a year and some months!!! I paid {$50.00} to speak with an attorney for 30 minutes. He stated that " a landlord/property management company have 30 days to go after a tenant for property damages in the state of Georgia ''. I already have a charge of {$1000.00} plus {$1900.00} for the eviction and whatever else, on my credit report from them. Please help, I do n't have money for an attorney to help me get this off my credit reports.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation