milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-09-2017 about Debt collection (Credit card) with JH Portfolio Debt Equities, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am disputing a collection debt from JH Portfolio Debt EQ ( Acct. # : XXXX ) that I discovered on my credit report without being notified from the creditor. I am now in the process of disputing this debt with the Credit Reporting Agencies and with JH Portfolio Debt EQ. This collection agency has also illegally re-aged this account according to the original creditor 's date of first delinquency. The original creditor is XXXX whose debt I 've already successfully disputed. Because re-aging accounts is a serious offense under the FCRA, I am reporting JH Portfolio Debt EQ to you so as to warn others about the illegal practices of debt collectors.

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
Consumer complaint received 05/26/2016 about Credit card () with PAYPAL HOLDINGS INC. (MA).
Issue: Other

Complaint: Awaiting final response on XXXX disputed fraudulent claims from previous contact with consumer financial protection bureau. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I 'm filing another complaint in regards to Equifax reporting an account on my credit report that they should n't be. XXXX XXXX XXXX XXXX responded to a complaint I filed on them via the CFPB where there 's a law that states that after a car has been repossessed that " Your creditor must give you a written notice informing you of these rights within 3 days of the repossession. You can only get your car back in this way one time during the contract. '' I will attach the documents to the case. I was never given the 3-day notice and I have the proof. Also, XXXX XXXX XXXX XXXX responded back that they 'll reach out to the credit reporting agencies to get it removed also will attach. Now my issue will Equifax that they have removed this same item 2 or 3 times and reinserted it without notifying me prior to doing it as it is a law that states that as well " the credit bureaus must notify you within 5 days of the re-insert date ''. Please see that the item was deleted added back on, deleted added back on several times. They are the only credit reporting agency that keeps doing this no one else is reporting it. This has caused my score to drop significantly. Also, I 'm not getting approved because of it. Please review all documents within this complaint. The last time they responded back it was n't relevant at all to the case it was a systematic response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: false information, this collection it 's not mine

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit card () with SYNCHRONY FINANCIAL (MD).
Issue: Customer service / Customer relations

Complaint: XXXX XXXX Customer Srvice XXXX XXXX XXXX XXXX XXXX, XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX On XXXX XXXX, 2015, I was approved for a XXXX XXXX credit Card. I made a purchase of {$2300.00}. the items were deliver but the coffee table was damage. I called Marlo to have this item repair or replace. They refused. I contacted the Bank that I am disputing the charge for the coffee table ( {$90.00} ). The bank is saying that they are unable to resolve the issue because Marlo furniture has done nothing wrong. I am not asking for a free item but all I have been asking for is to have the product free of damage and not a hazard for my XXXX years old daughter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: A copy of the email I sent to Money Source and as of this writing, I have not received a response. 
Is it legal to add more $ $ $ to the property tax for escrow when the property tax did not go up and the amount was correct on the final docs? When prior to refinance all the amounts were correct but after refinance the amount is not correct. My property taxes are {$4500.00} for the year. 

Spoke to a representative on the XXXX XXXX, 2016 who said the amount will be adjusted to reflect the correct amount of property taxes being for escrow. When called today the representative stated someone overrode it. 
I refinance in XXXX 2016 with the same company, TheMoneySource. 
Below reflects prior to XXXX 2016 and now : 3.875 %. 3.25 % Principal {$580.00}. {$570.00} Interest. {$1100.00} {$950.00} Escrow. {$660.00}. {$890.00} Total. {$2300.00}. {$2400.00} Final docs : See attached few pictures There are XXXX pages with different figures for the estimate which I asked the notary and since the correct amounts were on other forms of the documents she figure it was a mistake Ridiculous. Instead of more money going to principal someone added it towards my escrow ( taxes and insurance ) and my taxes did not go up. I 'm paying more

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MN).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My complaint relates to Navient, formerly known as XXXX XXXX. I was ill advised regarding repayment of my loans, was charged ridiculous amounts of interest and was then told when I tried to reduce my payments according to my income that I could not reduce my payments and that I should ask my co-signers ( my parents ) to help out with the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: I had an excellent payment history with Santander before the engine locked. All maintenance was up to date but the engine locked anyway. I called Santander to find out what they could do to assist me because I could not continue to make the payments and purchase an engine as well. Because Santander would not work with me, I ask them to come and pick up the truck. They did pick up the truck at my request and sold it at auction however the show the full amount of the balance owed.      Santander could have worked with me. I was never late and all I asked was that I have some relief until I got an engine in and they would not work with me. They do n't even show it as a voluntary repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Green Tree Service Representatives were extremely rude and threatening with me. They called me at various times of day and night, and even while I was at work, despite my constant requests not to contact me at these times. They have harassed and bullied me ever since they took over my mortgage from Origin, and they have caused me XXXX and have made me afraid of answering the phone in fear of homelessness in doing so. They have also made deliberate attempts to embarrass me in front of my clients while I 'm at work. They also would only accept payments through a pay service that charged {$12.00} payments for every transaction and forced me to set up XXXX payments at a time beforehand. They treated me like I was dirt, a second class citizen ... Like I was some sub-human trash.

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 02/17/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (MO).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, I sold my Bitcoin, XXXX was to be transferred back to my checking acct. As of today, I have not received the money. I have attempted to call and I have sent an 32 email expressing my issue, no response. I have also sent a copy of my complaint to Coinbase Customer Support -XXXX XXXX XXXX, XXXX XXXX -XXXX   XXXX , CA XXXX. I have called their support line 5 times, listened to the automated answering service for 45 mins. Never talked with anyone. I have received a XXXX XXXX from Coinbase 3 weeks ago saying they would send me research and send me an response. I have never received a response. There are many, many coinbase users XXXX  the same issues, waiting for their ACH or Debt refunds. This is unexceptable and should be investigated. Coinbase boast of the millions of dollars of profits for 2017. I just want my money from selling my BitCoin.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: i have hired the services of XXXX to help me with the credit car situation. 
the creditors call me non stopmthe worst ones citibank and XXXX. 
i even got reprimanded twice at my job of 27 years cause my cell phone is also mywork phone. 
heres the accountsXXXX XXXXcitibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Debt collection (Medical) with Helvey & Associates (IN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I was given noticed that HELVEY & ASSOCIATES, INC. has taken my debt, and I was given 30 days to dispute it, but I have not been able to get in touch with them as their phone number is disconnected. The debt also is not valid as my insurance company was not notified of the claim and I was told that no one contacted them about my medical bills or hospital fees and they have requested to see the claims from the hospital.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 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: I submitted a previous complaint on Transunion and they responded and it was closed. 

According to the Fair Credit Reporting Act, Transunion is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report.

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 10-06-2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have been disputing an item that equifax is inaccurately reporting. It is a public record that they are reporting. It states a NJ tax lein in the amount of {$11000.00}. NJ State Superior Court, XXXX XXXX XXXX, XXXX NJ XXXX, XXXX. I have never had a tax lein. In fact i received a nj tax refund this year. I called equifax and they said they verified that it is correct. Which is incorrect because i called NJ State Superior Court at XXXX and Equifax has never called to verify this information. Nor do they have any such record of a tax lein against me on record. I have been disputing this in accurate reporting since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I received my coupon from Nationstar Mortgage for XXXX payment and saw it had increased by {$830.00}. When I called them to inquire why, they said my 10 year adjustable rate interest only note had set to principle and interest and amortized over 20 years to be paid in full. I asked why I was n't notified sooner and was told I was sent a letter in XXXX. Since I had never received it, ( my mortgage was transferred to them from XXXX in XXXX ) they just sent me a copy ( received today ). I 'm blindsided! Had I seen it earlier I would have applied for a Harp loan to make this payment more affordable. I did apply and was turned down because of the 30 day late notice from my second trust holder, XXXX, placed on my credit report this month! 
When I got these loans back in XXXX XXXX, my husband had just died 6 months earlier, and my son was going off to college. I am the original owner of this home since XXXX and I would never had placed a 1st trust mortgage with a 2nd trust equity line ( needed because my son was going to college ) with a 10 year knife hanging over my head knowing both mortgages would set at the same time and increase my payments combined by {$1800.00} a month without doing something about it before it happened. Now I stand to lose my house because I just learned today when I applied for a Harp loan that the second trust holder, XXXX put a 30 day late payment on my credit because my payment went up with them as well and my automatic payment to them was insufficient. Now I am told with the 30 day late ( my first ) I can not apply for a Harp loan. I am going to be forced out of a house I have lived in over 30 years into housing that will be more expensive at the age of XXXX! Why? 
I 'm asking for these lenders to work with me and not force me out of my home. If I 've made my payments on time, every time, except for this month with XXXX over lack of communication, why ca n't I get approved for a fixed rate harp loan, amortized over 30 years while interest rates are low? While I tried several times, I was told I ca n't qualify for a regular refinance because my ratios are too high! XXXX says they wo n't even send me a statement until I pay what is owed fully. What they report as delinquent is not the amount owed. I am shaking my head. How can something like this happen? Is it the intention of the banking industry to put people out on the street with these predatory lending practices and dangerous loans? I got a loan I could afford when I needed it most and never realized it could jump almost {$2000.00} in one month for the next 20 years, especially without due notice. As soon as I found out I called the lenders and asked for help, having it fall on deaf ears and my credit destroyed. Can you help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Mortgage (FHA mortgage) with Fay Servicing, LLC (WI).
Issue: Trouble during payment process

Complaint: We have had continuous issues with XXXX XXXX. They refuse to speak with us, and keep hanging up. A minimum of XXXX times we have been hung up on. They are scamming us. Currently our XXXX for 2017 is incorrect and they will not speak to us in regards to this. It only shows our interest payments of {$16000.00} from our regular monthly payments. However, there were additional interest payments made via our chapter XXXX in the following amounts that they are not reporting. We believe they are hiding this revenue. 
XXXX {$1500.00} XXXX {$1000.00} XXXX {$1300.00} XXXX {$1000.00} XXXX {$980.00} XXXX {$1200.00} XXXX {$1100.00} XXXX {$680.00} XXXX {$570.00} XXXX {$550.00} XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid my Chase Credit card balance off around XX/XX/2017.  I ask the representative was the full amount correct before paying the entire balance. He said yes. 2 months later I received a letter saying I was late paying around {$200.00} in interest. I call Chase and ask them why they didn't contact me about the interest and I paid the entire balance off. They said they sent it to an email that I no longer have, but they have my new email address and phone number. They put that I was late paying them over 30 days on my credit, but I already paid the balance off and I was never late paying the bill before.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (Other debt) with Receivables Performance Management, LLC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I disconnect my phone line from XXXX company last year and they send me last bill on XX/XX/2017 in the amount of XXXX and pay the full amount. when I call them I clearly say disconnect all the line I have in my account and from that point on I did not use any line and till this day on their web site USAGE OF THOSE LINE SAYS XXXX. And now they send me a bill of XXXX for usage on XX/XX/XXXX plus XXXX dollar on XX/XX/XXXX for the line i never used since the first initial contact with them to disconnect all the line when I ask two line is still active BUT as I say I call them to disconnect all of them and doesn't make sense to cancel 3 line and live the other two. Now every time I call they say we will give you credit for those charges but not only they never did that but they send the balance to a collection agency and I can take it any longer. The same exact word I got last month from their agent we will cancel the service and credit you back the amount and I got it Monday. when I ask their supervisor or any body responsible for this kind of mess they told me they are in back of office and their is no way they connect me to solve the problem. Now the bill jump to XXXX dollar. Now they say still those two line are not cancelled why because the billing cycle is till XX/XX/XXXX. I don't have any other way to communicate with them to solve the problem except writing for you. I do appreciate the service you do and expect hopefully something good from you. Thanks.

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 12-12-2017 about Debt collection (Other debt) with RentDebt Automated Collections, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Due to the job change, I moved from XXXX XXXX to XXXX XXXX on XXXX XXXX with my wife and XXXX old baby boy. It was a long journey that was not very pleasant. A few days later, I was called once by a stranger, who said she was from a collection agency for collecting the balance ( {XXXX} ) I owed to XXXX XXXX XXXX in XXXX, where we stayed when I worked in XXXX XXXX XXXX XXXX. Although this lady used very tough and unpleasant languages, I did not see any reasons that I was going to refuse to pay. I waited for the formal and written notice about the collection, so I can pay off the balance. At that time, I did not even know the name of the collection agency. 

After a while, I suddenly saw that my credit score from XXXX drops from XXXX to XXXX. I was so surprised because I keep my credit score above XXXX for a long time. I believe that the huge score decrease is due to this collection event. 

However, the problem is that I have never received any written notice from this agency. I do not even know how to pay the balance. If you look at my credit history, you will find that I have dealt with other collection agencies before, and I paid every balance I owed in a timely manner. So I have no collection in my credit history before. 

I was very angry to get involved into such unprofessional and unfair events from both the collection agency and XXXX since these careless mistakes have a very negative financial impact on my mortgage plan. I have a very great credit history ( > XXXX credit score ) and do deserve a fair treatment and evaluation. So I strongly suggest that both the collection agency and XXXX take the right action and correct their mistakes on a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: XXXX XXXX XXXX student loan reported missing payment trans Union which impact negative in my credit report.

The account being transfer from XXXX XXXX XXXX to 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 05/22/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Bills from debt collector, Transworld Systems, for debt on a XXXX bill from XXXX XXXX XXXX in XXXX. Illinois. Bills have continued over 1and 1/2 years despite acknowledgement of erroneous billing XX/XX/2013.. Additional charges added 1 and 1/2 years after resolution of issue in XXXX 2013. 
Bill is for a deceased relative ( deceased in XXXX 2013 ) that the XXXX says we are not liable for. We are not the guarantor or estate executor for the deceased relative.

Company response to consumer: Closed with explanation