milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XXXX XXXX a supv. with the Special Handling Fraud Dept. with Transunion Credit Reporting told me that not one of the 3 certified sent complaints or any of the cfpb  complaints they have not received or seen I'm now demanding they Remove All FRAUD ALERTS from the credit file of the XXXX XXXX XXXX file and also Dispute these Inquiries as Fraudulent and VALIDATE them as anyone could have submitted these credit apps. In my giving name XXXX XX/XX/16, XXXX XXXX, XXXX XXXX-2/5/16 Also remove any personal statements on this file and all FRAUD alerts as Transunion was not able to generate any qiestions for me to VALIDATE sho I Was so he said to write a letter I have done that and still nothing has been done they were sent 3 certified mailings still nothing has been done add XXXX XXXX XXXX XXXX Loma XXXX California XXXX to my file as another address

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 12/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CT).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: Coinbase.com provided special access keys after I deposited funds. The ID, XXXX, and " Secret Seed '' provided by Coinbase do not work and I 'm locked out of my account. Coinbase has a phone number that never gets answered even after hours on hold. They auto drop many calls. The email support is almost non existent and takes a week or longer to get a reply that does not fix anything. 
I 've have been trying for many weeks to get any support from them but it is impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 have a XXXX  XXXX of {$600.00} ( XXXX XXXX ). This amount is automatically deducted from paychecks every pay period. FLORIDA XXXX XXXX XXXX reports this account to XXXX. I have been disputing the accuracy of this account for over 4 months multiple times. I have provided documentation including but not limited too : Paystubs ( 4 in total ), Copy of Order for {$600.00}, Copy of Payment XXXX from FLORIDA XXXX for this account, Copy of CHAT Transcript with Florida XXXX substantiating my claims and more. XXXX FAILS to update account accurately or when they do, the very next day they change it back. They are reporting FAILURE TO PAY, MORE THAN XXXX DAYS LATE, Improper monthly payment requirement of {$2000.00}, Completely inaccurate Payment History for past XXXX months. They FAIL to look at the documentation and just keep reporting something different each dispute. My rights under the FCRA require ACCURATE REPORTING, my rights under the FCRA require the XXXX  if they feel their is ANY DOUBT to the information being reported they MUST remove it. Being I have provided the COURT ORDER, COPIES OF MY PAYSTUBS, COPIES OF XXXX XXXX, and more they have more than sufficient information to have DOUBT if NOT EVEN CORRECT IT PROPERLY. With XXXX disputes filed already, they make me file a NEW DISPUTE every time even though this has been the same problem from the beginning. They are clearly violating my rights under the FCRA in reporting information which CLEARLY inaccurate. I take my XXXX XXXX and my credit very seriously and I feel this is being done intentionally or being handled by someone who is NOT PROPERLY INVESTIGATING THE DISPUTE. Attached the complaint : LETTER to FLORIDA XXXX, COPIES OF XXXX 'S inaccurate reporting, COPY of CHAT TRANSCRIPT with XXXX, COPY OF PAYMENT XXXX to FLORIDA XXXX, PAYSTUBS showing the corresponding deductions, COPY of ORDER of $ XXXX. ALL of this information has been provided to the XXXX previously as well. All of this information is VERIFIABLE.

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 05/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Chase bank sent me  an Amazon Rewards Visa cre dit card for which I did not apply. I called them immediately and they said they are 'investigating ', but there have since been no further updates. The opening of this account entailed a hit to my  XXXX  credit report.     There is a thread on Amazon discussion forum indicating this is an issue that many others have been having as well. It 's unclear if the issue originates with  Chase, Amazon, e ither, or both.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2015 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: owed XXXX to B O A, house was sold thru short sale, this was paid and for gave as of XX/XX/2015 in full.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a real estate broker and have a property listed ( short-sale ) XXXX XXXX XXXX, XXXX, Ca. The negotiator/closer approved the short sale last week XX/XX/2016 with a closing to happen XX/XX/XXXX, this Friday with the current buyer. 
I made DiTech aware that this is a short time to close. Today I requested an extension on the closing date to remove some liens off the title of the property that we are awaiting clearance from the lien holders, and they denied my request saying they will not extend this close date because property foreclosure date is on XX/XX/2016. I again asked for an extension of XX/XX/2016 since it 's before XX/XX/2016 and they denied it. 

The sellers and myself have done everything possible to avoid foreclosure, and it is unfortunate DiTech is not reasonably cooperating.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in a XXXX Short Sale review since last XXXX 2015. I unfortunately had to request a short sale as the modification payment coupled with loss of income made it necessary to sell our home. I received an offer on our home in XXXX of 2015 for $ XXXX, and it was submitted to the bank. Then we received notice that we had to sell via an online bidding with Nationstar. The bidding pricing range was $ XXXX to $ XXXX This occurred on XXXX/XXXX/2015. This process was supposed to have been done to expedite and ensure the home was sold at market value. Another reason we did not get as much traffic was because a lot of buyers did not want to pay for the 5 % buyers premium added to the purchase price. So in XXXX a bid offer was accepted bumping the offer we received in XXXX. Per XXXX guidelines we are supposed to have been given a reply within 30 days. We are now in XXXX and we are still waiting for approval. It has been about 2 1/2 weeks now that we have been waiting for PMI approval. How does this make sense to have the bidding to expedite the process and we are still waiting for an approval. From what I also understand, we should have received a Short Sale Notice, but we have not. I also have people coming to the house saying we are going into foreclosure sale because the foreclosure sale notice is published. This is very stressful and this is why with these lengthy processes and delays we lose buyers or as a homeowner we are mortified by the looming prospect of having our home foreclosed. Again, if the original offer was within the range, why did n't the bank just accept instead of accepting a higher bid, and then having to lower it? With such a long delay, it also makes it difficult to search for a new home to rent because we ca n't really commit and leave the home vacant. All of these situations make it for a very stressful way to live which also causes health concerns. Please assist us in expediting the process so that we may have a dignified closing.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NE).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My accounts were to be on defferment but I am now being garnished. navient is now trying to contact me to tell me I am missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have requested my credit report several times from all XXXX major credit bureaus, however, I have only received responses from XXXX. I have sent in all required documentation at least 3 times but I have not received any response. I understand that I am entitled to receive at least XXXX free annual credit report and that I am also entitled to receive a credit report anytime I am declined for credit and also when I add a security alert to my credit report. I have cited all XXXX reasons to XXXX and Equifax and I still have not received my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My information was mishandled by Equifax and opened up to theft, putting me and millions of other people at risk. I was identified as a potential breach victim when I checked in at their equifaxsecurity2017.com website. 

They did not notify anyone quickly enough, and have admitted that they will not notify everyone. 

In addition, when you sign up for " protection '' on the Equifax website they sneak in an anti-arbitration clause. 

I would like a resolution on this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have verbally told the loan company to stop calling my place of business as it will interfere with my job. They have not ceased their calls. Instead they call and hang up if i answer. If another coworker answers they tell them that they are calling to garnish my paycheck.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (NH).
Issue: Problems caused by my funds being low

Complaint: TD bank charging overdraft fees on charges not posted to account and purposely posting smaller charges to incur fees to accounts

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (NY).
Issue: Unauthorized transactions/trans. issues

Complaint: when ever i make a purchase my rush card hold more then my purchase was

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: On XX/XX/2018, I received two text messages with attached voicemails from my mother and my mother inlaw stating that they had received phone calls from Navient stating that someone was looking for me or if they happened to know how to get a hold of me. They also stated that I listed them as a relative on my private loans. I do not live with either of them nor have I listed their phone numbers on my account for references etc. They have continued to call my family members looking for me as well as my husband. I have already filed a complaint about Navient previously and am still awaiting a response. I continue to pay as I am supposed to yet they continue to call. I have told them not contact my family members as they have nothing to do with this situation and it is a private matter, but they continue to do so. This is harassment in the state of Colorado and should be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (FHA mortgage) with LAND HOME FINANCIAL SERVICES (CA).
Issue: Application, originator, mortgage broker

Complaint: several issues. 
forced me into FHA after forcibly holding up a refi which finalyl closed after my purchase. 
due to teh holdup-my debt/income ratio forced me out of conventional and into FHA ( or I would have lost the new home purchase ) second issue-they are holding over $ XXXX TOO much out for escrow account. 
third-they have on at least XXXX occasions admitedly recieved my payment on time but still charged me a late fee until i called them on it. 
they stated clearly they got payment on time but didnt post the payment until after it was late..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Mortgage debt) with JPMORGAN CHASE & CO. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My loan is being serviced by  XXXX   XXXX  and over the past 2 months, I have been offered a loan modification 3 times and I 'm continually getting harassing phone calls which have escalated to personal attacks by each of the representatives on the call. I was in a loan modification last year but due to severe family medical issues, I was unable to continue to pay the mortgage afte r the 1st modification was approved. Again, they have offered me two times another loan modification  only to retract the offer and try to force me to leave the home using pressure tactics. I do not believe that I 've been treated respectfully or with any intent whatsoever to keep the home and they have lied to me multiple times with what they are offering only to tell me that I should leave the home and let them proceed with foreclosure to completion. I went to court to explain my intent and was granted time to work something out with Seterus and I have until  XXXX   XXXX  but they still tell me that I have to leave my home. The harassing phone calls and personal attacks each time the call me along with pressure tact ics ( and psychological ) tactics have been very disturbing to me. I 'm looking to work out a payment arrangement so that I can stay in the home now that I 'm finally getting over my medical issues and with one of my family members. This servicer is brutal in it 's tactics. The lying and the escalation of personal attacks on me is takin g it 's toll.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have disputed this credit report with all XXXX credit bureaus previously. It was removed, after the corporate office contacted me and it was proven that I did not owe {$51.00}. This company has attempted to add this to my credit report several times ... and each time it has been proven I do not owe the balance. XXXX has contacted myself and this collections company to state the balance is invalid. Each time this has been disputed it has been removed. I want this company to stop placing invalid items on my credit report. I want this collection removed from all XXXX credit bureaus.

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 06/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have two loans with Navient. My student loans have always been handled as two separate loans by every previous loan servicer. Navient claims that if I send a written letter with my payment they will credit the loans according to my instructions. I have done that each month since Navient took over my loan, and Navient refuses to follow my instructions and always credits the payments incorrectly. The problem is they are slowing down the repayment of my loans by doing this, and ultimately causing me to pay more interest because they do not want me to be able to accelerate the payments on one particular loan in order to pay it off earlier. They are liars. They promise me each month they will follow my written instructions which I send by Certified Mail, but they never do that. I even send two separate checks, but they ignore the checks and credit the payments as they please. This process takes me hours on the phone each month to get it corrected, and each month they try to cheat me again. They are in violation of the terms set forth in my promissory notes.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: General Revenue is the company that bought my debt from Indiana XXXX University. I 've made several attempts to simply see my balance on paper or the internet and have called to find out where I can see this information. I spoke with XXXX XXXX when I called they 're company and he refused to help me locate the login section of their website and would not send me a letter. He sarcastically remarked that they 've sent me numerous letters then said he would transfer me, only to mute the phone and leave me with silence. I just want to see how much I owe and set up a reasonable payment plan but I can not get anyone there to help 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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: A New York state Tax Warrant was issued to my husband and I on an amount owed that was still in dispute. I paid the full amount even though it could ultimately end up less money in our favor. I paid the full amount because it appeared on our credit report in our " public record '' section - lowering our credit score and making it almost impossible to get a loan. Our daughter is going to college in the fall and we need to secure a loan for her before then - this is a nightmare - 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
Consumer complaint received 09-09-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Wells Fargo automatically lowered my monthly automatic withdrawal payments. They did this because I have made additional payments to my loan in order to pay it off earlier. The letter they sent did not use clear language to indicate that my loan would not get paid off sooner, like I intended. I called Wells to get further clarification. The person on the other end could not explain the reason for the lower payment in a basic understandable format. I worked in lending and currently work for a securities regulator. If I did not work in these fields, I would not have understood that I would not be paying off my loan sooner, like I planned, based on the letter and the Well 's employee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CHECK INTO CASH INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I noticed on my credit report that I check weekly a hard inquiry was on there from check into cash. This did not make sense to me since I am not new to them. I am a long time customer. And besides, payday loans advertise " no credit check. '' I called and asked why that was on there and the lady said they are now doing something new where every 60 days that do a credit check. I said " that 's going to be alot of hard inquires on my credit report! '' She stated this was new and that since it was considered a loan they could do this. '' My problem is that I was never notified of this " new '' change and that I did not give them permission. If I had n't checked my credit report I would have never known about this. Checking someone 's credit report every 60 days will indeed ruin their credit very quickly. I myself and planning on paying them off very soon and never reborrowing. I can not afford to have my credit ruined to the point where I have to depend on payday loans. I 'm thankful I am rebuilding my credit and am glad I found this out before I have an outrageous amount of hard inquiries on my credit report. They should have disclosed this to customers and they should have gotten my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Credit card debt) with N.A.R., Inc. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a letter from a collection agency attempting to collect a debt on behalf of XXXX Bank in the amount of {$640.00}. I am disputing the collection attempt as the agency is not license in the state of Florida. Also per the XXXX XXXX XXXX XXXX XXXX XXXX search the company 's license status indicates 'Denied Tech ' ( See Attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation