milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ditech Financial LLC (WV).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was denied a small loan for a used car {$5700.00} because the mortgage holder has not pursued their foreclosure action they said they would be taking. I informed XXXX of 2017 I was not able to redeem the amount owed and they should move forward with foreclosing. The company, Ditech Financial LLC, is falsely reporting I am in a payment agreement with them and this is adversely affecting my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I received a mail abo ut Cash Rewards for Business MasterCard  from Bank of America offer on  XXXX / XXXX / 2017 . But I got denied after applied.

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 02-04-2016 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This complaint involves unlawful third-party contact in an attempt to find a relative. After receiving numerous letters attempting to locate a family member with whom I am no longer in contact, I wrote Navient in XXXX, XXXX and demanded that they stop contact. In XXXX, XXXX, Navient attempted to contact me again on my mobile phone and through the mail. By law, Navient may only contact once and must cease when asked to do so. They have never been authorized by me to call my mobile phone. They have abided by no provision of the law created to protect me. The name of the customer/account holder is XXXX XXXX XXXX ; address XXXX XXXX XXXX XXXX ; XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I intiated an inquiry with my mortgage company Nationstar regarding FHA loan assumption. XX/XX/XXXX, I found a qualified buyer that completed necessary paperwork only to find out that they could not produce current resident payment history required to complete the loan process. 
Buyers entered a rental agreement to create a payment history to satisfy Nationstar requirement. 
XX/XX/XXXX resumed loan assumption process. At this time I was told my FHA mortgage is not assumable, therefore refused to contact buyer, and process request for loan assumption. After 2 phone conversations with the Assumptions research associate she agreed to go along with the loan assumption process on XX/XX/XXXX. She contacted the buyer to inform them they would receive a phone call from the sales department in 7-10 days for credit application. On XX/XX/XXXX buyers sent email inquiry to Nationstar no phone call from sales department was told would be looked into. Still no phone call as of XX/XX/XXXX I forwarded email inquiry threating to file complaint with CFPB this intiated a phone call from the sales department to the buyer on XX/XX/XXXX the credit application was completed. XX/XX/XXXX the buyer was sent a letter indicating they needed XXXX FICO score, the buyer had XXXX and loan appumptipon denied by assumption manager. The problem is FHA only requires XXXX. Nationstar hedged on paperwork and phone calls, taking 3 months to start the process. The assumption Manager told the buyer the process would be quicker and easier to go thru new loan application. The buyer is currently eligible to assume the mortgage provided Nationstar dba Mr Cooper is willing to follow FHA guidelines for processing loan assumption. The buyer and myself was told the process would take 6 months after credit score qualification. It has been 5 months trying to go through a simple loan assumption.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter in the ail from MCM-Midland Credit Management Inc. account ending in XXXX to collect on an old XXXX debt, Acct-ending in XXXX. I called MCM and told the rep that the debt was not mine and also asked for more information about this debt. The rep told me it was from 2006 and I told him I never had a XXXX account and also that this was an expired time barred debt. Rep told me that it is still collectible. I asked the rep what I needed to do because I never had a XXXX account for credit and also I did n't want him or his company contacting me further due to a debt I never had. He told me he would start dispute and to file police report and submit letter. I told him I would submit letter but this debt is n't mine and he did n't give me any info to file a police report except the year this account was opened no further info to file proper police report. I wrote letter and told company not to contact me further that this debt was n't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Barclay card will not let me get access to my data through third party services. It is my info and I want to use another service to manage my finances and they are blocking it

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 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX, XXXX XXXX XXXX  incorrectly coded my credit card account as being included in a Chapter XXXX Bankruptcy when it was not. In XX/XX/XXXX after filing a complaint with the CFPB the account was fixed per XXXX XXXX XXXX ( see letter attached ) and my account was made current, open, available for use. Even though XXXX XXXX XXXX corrected the coding on my account they failed to correct my account to the 3 Credit Reporting Bureaus, and the account is still showing on my credit report as being included in a Chapter XXXX Bankruptcy and under a payment plan. This account was never included in a Chapter XXXX Bankruptcy, nor has it ever been under a payment plan. At least the minimum payment was always made on time in full since this account was opened. I have submitted numerous disputes with the 3 Credit Reporting Bureaus, and still this remains on my credit report as being included in a Chapter XXXX Bankruptcy. That information is completely FALSE. I just filed a dispute with TransUnion who investigated ( investigation result attached from XX/XX/XXXX ), and still this account remains as being included in a Chapter XXXX Bankruptcy under a payment plan. This has been reported falsely as being an adverse account going on 4 years now. It has negatively effected my credit report and score. This account is open, current, and available for use ( see attached statement of account XX/XX/XXXX ) How can XXXX XXXX continually report false information on my credit report for almost 4 years and not correct the mistake? As a result, I'm the one who is being penalized financially resulting in a lower credit score and higher interest rates, because of their mistake, reporting this account as adverse and included in a bankruptcy.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
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 contacted XXXX 's about my account not being credited, I was advised by the credit department that they would find out why my account was not credited for the return and make contact with me. This was in 2014, I checked my credit report last year and noticed the collection and began filing disputes. 
I submitted two disputes through XXXX, Transunion and XXXX reference to a creditor XXXX XXXX XXXX XXXX XXXX, WI XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  Credit Bureaus are required by federal law to verify- through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. This account was closed due to the item ( XXXX ) was returned to the company back in 2014 and the Account was never credited, as a matter of fact the XXXX   amount was {$350.00} and this company is still showing a past due amount of {$120.00}. I demanded verifiable proof from the consumer with my signature on it on what I am being charged and as of this date I have not received anything, only confirmation from XXXX  that the company notified them that the account was accurate and has not provided any documentation which a violation of the Fair Credit Reporting Act is, Section 609 ( a ) ( 1 ) ( A ). 
XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I am requesting that XXXX be investigated. 
Regards, XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I made a payment using an automated system and the system used the phone number for my bank checking account number now I have a late payment on my credit report it was for {$10.00} I made the payment soon as found out about it

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: Experian credit reporting agency is not doing a complete investigation into incorrect information on my credit report. I just received today an updated credit report from experian and the results of the investigation did not solve the problem. There is an account " XXXX XXXX  XXXX that was suppose to be deleted off my credit report '' I 've disputed this account with XXXX and the company responded to delete off my report I am uploading proof that this account was deleted from XXXX because the company responded to delete. Experian should have received the same response. I have been disputing this for over 6 months now and when I try to go online to dispute it again experian will not let me on to dispute 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 10/21/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I originally took out a private Sallie Mae school loan with a cosigner who agreed to pay half. This loan was used to pay for tuition and living expenses for XXXX semesters in my XXXX year. The following semester of what would have been my XXXX year, I attempted to take out another loan for my final XXXX school semesters. I was unable to do so, even with a cosigner, and was therefore unable to finish college. Since then I struggled with finding stable employment for 2 years, and by now the loan has defaulted. The cosigner has indicated no desire to make any payments and has become difficult to come into contact with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I was issued a credit card at Macy 's but my address was incorrect due to an error of Macy 's. I made a credit card purchase of {$24.00} but never received an invoice or billing statement. Macy 's referred my account to collection without ever sending a bill to my correct address, and has now added additional fees of {$260.00} for a total due of {$290.00}. I have called Macy 's on XXXX, XXXX, XXXX, XXXX, and XXXX attempting to rectify this collection issue and agreeing to pay the original amount charge of {$24.00} and informed multiple representatives of my correct address. I have repeatedly asked to speak with a supervisor, which has repeatedly been denied. I sent the company a written dispute letter, for which there has never been a written response. I have never received an original bill for the purchase I made, nor given opportunity to pay the amount I owe, which is in violation of the FCRA. The address error is fully and completely a fault of Macy 's. Before collection proceedings began I should have had full opportunity to pay my bill, but never received XXXX due to Macy 's error, not my own. My account should have never been referred to collection at all, and I have agreed repeatedly to pay my original purchase amount. The company refused to take any payment while the account was in dispute, but continued to charge outrageous fees. As of this date I have not received written communication even though Macy 's is fully aware of my correct address given to them repeated by telephone and in written communication.

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 monetary relief
Consumer complaint received 12-01-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing hard inquires on my credit report because this is fraud and does not belong to me.

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 07/13/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Alliance Data Card Services (CT).
Issue: Fraud or scam

Complaint: purchased a software to recuperate my data off my cellphone and XXXX computer off XXXX The software is 100 % warrantee according to developer. But paypal credit would n't return my money since they said the license purchased is valid. I know the license is valid but the product is useless and does n't work as intended. The company is based on XXXX XXXX and they do n't answer back to their tech support inquires. <P/>Theres a middle company named XXXX which process the licenses and payments ( XXXX XXXX XXXX ) with address as follow : XXXX Corporate Office See on Map XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Either PayPal credit or XXXX it 's willing to return my money back. Both companies has been provided with the error code : XXXX XXXX Status.plist not found. <P/><P/>the orders were as follow : XXXX XXXX {$19.00} XXXX XXXX {$34.00} I feel PayPal credit is not actin fully to the extend of law or handling the claim as it should : " Item not as described ". Need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Consumer Adjustment Company Incorporated (MO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: These attachments show up on my credit report. I have disputed all of them. Im presently in Bankruptcy Chapter XXXX Plan and have been since XX/XX/2016. These creditors were listed in my Bankruptcy Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (HI).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I called Quicken Loans on XXXX XXXX 2017, to discuss getting a mortgage to purchase an unfinished house on a 3-acre piece of property. I talked to an upbeat loan officer by the name of XXXX XXXX, who told me the type of loan I requested was indeed possible with Quicken Loans. He told me Qucken Loans is a direct lender and can make mortgage loans many lenders can not. 

I told him I wanted to have my mother on the loan and I gave him her income information. He told me, based on her income, the amount of money, {$100000.00} she would qualify for, but he also said he needed to check her credit first. After he talked with my mother and he ran her credit, he said he could not do the loan. I thought this was strange because her credit came out to XXXX. When I asked him why he was turning her down, he said that Quicken Loans does n't do this kind of loan after all, and the house must be completed at closing. When I asked him why he did not tell me this before he ran the credit, he said running the credit only took off a few points and it was not as bad as applying for a credit card. I thought his flippancy towards running my mother 's credit if he " could not do that type of loan after all '' was damaging to her. 

Most of all, I am filing a complaint because I believe the lender practiced age discrimination against my mother. Although she is in her late eighties, she has a right to file for a mortgage without being misled about what loan is possible for her, and without having her credit checked for no reason.

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 CAINE & WEINER COMPANY, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (WA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was the victim of fraud in XXXX using two of my Chase cards. One I contacted Chase about assisting me in my fraud claims, they just closed all my accounts with them. I have been a loyal customer with them for over a decade and NEVER paid a bill late and NEVER had any problems with them. <P/>There is absolutely no reason to just close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Customer service / Customer relations

Complaint: on XX/XX/XXXX I called american express to get a replacement card I was told It will be mailed to my address in 4 busniss days, After a week I called them back because I did not get the card and everytime I call them I get the same answer.On XX/XX/XXXX I call them and said If I do not get my card I will have to close the account then the representative close the account and hung up on with reading the disclosure to me or asking me for my approval, then they took away all cash back money, And ever since that time I call them over 20 times to solve my problem and everytime I get the same answer that said we will reinstate the account in 48 hours and now its been two weeks and nobody did anything to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with National Credit Systems,Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX  report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.

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

Complaint: I submitted an transaction on Coinbase to transfer XXXX litecoin from my coinbase account to my hardware wallet address on XXXX XXXX. It 's now 6 days later and the transaction is still pending and the transaction hash is not on the blockchain. I 've made multiple attempts to contact coinbase support to get this fixed and they 've been unresponsive no matter the avenue I try to contact them through ( coinbase support email, XXXX support email, XXXX, XXXX etc ).

Company response to consumer: Closed with explanation