milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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 recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning July 1st 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar is our mortgage servicer. We had a mortgage from XXXX XXXX XXXX and we were n't informed until after 60 days from the transfer. We had been current with XXXX and had never had any delinquent months since ou purchase. We immediately noticed that our amount owed monthly was different. Nationstar failed to provide any documentation of breakdown in details of " fees ''. 

The current problem is that following my extensive and repeatedly hospitalizations, we became behind XX/XX/XXXX. It was our first time being behind 30 days. Our XXXX/XXXX/16 payment was late 60 days. We were able to catch up a bit and bring it back to 30 days late for the XX/XX/XXXX and XX/XX/XXXX payments. Due to additional hospiatlizations our XX/XX/XXXX payement was 60 days late ( paid on XX/XX/XXXX ). On XX/XX/XXXX we made the XX/XX/XXXX bill. The account showed as pending until after XX/XX/XXXX. XX/XX/XXXX suddenly the payment showed as REVERSED. I called Nationstar to find out why. Their response was there must have been an error on my part with the number. I asked to speak with a supervisor who confirmed that the number had been used before. She asked that I go to bank and 3-way call with them to confirm that the number was our account and they would be able to credit the amount as paid and take the money again. When at the bank, the manager confimed with nationstar rep that account was valid and money was still there.XXXX manager also explained that Nationstar did not attempt to take the money. Nationstar explained that it was nw XX/XX/XXXX and by not having XX/XX/XXXX payment in account it was now 90 days delinquent. XXXX again confirmed funds were in bank and the funds for XXXX I attempted to pay. They told bank manager that funds would not be allowed to be paid to Nationstar. The problem resolution request was sent by rep but would not lkely be addressed until XX/XX/XXXX. In the meantime they refuse any payment. This would make it 120 days late. 

So by reversing payment in XX/XX/XXXX, they have caused t to be 90 days late. And then again refusing XX/XX/XXXX would make it 120 days late. And acknowlegeing it would take until XX/XX/XXXX cause it to be 150 days late. 
How can they fraudulently cause a delinquency?? 
Also all the funds I pay each month over what is owed to be applied to principal and " fees '' has never been applied. They even reversed escow funds out of that I have paid. 
They now say that because the XX/XX/XXXX payment was n't credited they have moved case to foreclosure!!! They will not speak with XXXX or myself further.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: hello I called Equifax to update my personal information they did the security validation which validated my identity and I am who I say I am I was just trying to update my personal information they are reporting as far as my addresses they have several incorrect addresses on file for me and stated I have to send in that request so I asked was that something new as my fianc updated her address with them over the phone, I do n't understand why I was not able to update this if all of my information was verified and I passed the identity verification. the rep was also so rude when my fianc was trying to help me and advise she was able to update her information over the phone exby was the worse customer service rep. i was also trying to advise that the inquiry on my account was not valid as well but was not listened to.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Debt collection (Federal student loan debt) with Allied Interstate LLC (MI).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Allied Interstate of MN, mailed me collection letters and statements regarding the XXXX   XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( MGA ) claiming In  owed about {$20000.00} in educational debt. As a result of these letters and this company hovering into my credit reports, I scheduled them in my Chapter XXXX bankruptcy. Later, I learned that neither this company nor their attorney were licensed to practice law or collect debt in Michigan. I also learned that Michigan Department of Education does not farm out its collection. To add " fuel to the fire '' of this fraud, the Attorney General of Michigan filed in his Brief in a Motion to Dismiss that I owed nothing to Michigan, and that even if Michigan were allowed to make a claim it would not have done so. Later, another law firm ( hired by XXXX also of MN in MI ) appeared to front or cover for the legal status of XXXX and its out-of-state attorney to participate in the adversary proceeding stemming from this debt. As such, it appears this XXXX XXXX XXXX XXXX 's law firm in MI was knowingly trying to make this debt valid so as to use XXXX XXXX documentation as its own. This is massive fraud! Now I am still working through this by obtaining the 100-page PDF on AA and its license history. The XXXX XXXX   XXXX listed a XXXX, MI, ( XXXX it ) address as the headquarters of XXXX. Also that is also the mailing address on the statements that XXXX mailed to me. Additionally, I spoke to their Chief Legal Counsel and Chief Compliance Officer, XXXX XXXX XXXX of California, when he was in New York, Summer XX/XX/2017, about who could receive legal service of the second summons and complaint in MI. The Bankruptcy Court required that an officer of the company be served. He gave me a bogus address. So his affiliation with the parent  companym, XXXX, may also be at issue here. I filed a formal complaint with the Michigan licensing authorities, because I have to undo what damage their false documentation as a " servicer '' has done. They were not a servicer. They were a third-party out-of-state unlicensed-in-Michigan debt collector, pretending they had the full weight and authority of Michigan behind their collection efforts. This is very serious. The XXXX. attorneys are calling themselves a " substitute guarantor '' when they too are merely a third-party debt collector. Neither has standing. Neither was contracted by Michigan. Reading the papers filed, it would seem as if Michigan itself is confused, because their own attorney general conflicts with the letter submitted by XXXX. 's attorney to the court, as as assignment, with a redacted copy of a fake document that once belonged to Allied Interstate. Jail seems appropriate for all of them. I hope the authorities agree.

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 10/25/2017 about Debt collection (Medical debt) with American Accounts & Advisers Inc. (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Debt Collector never tried to reach my personal number and called me for the first time at my work place causing problems with my employer. The decision to call me at work first was clearly intimidatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (WI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I purchased a truck in XX/XX/XXXX. I bought it thru a dealership, the int. was high even tho I had good credit rating. The finance person assured me repeatedly that I would be able to lower the payment within a year. That was a flat out lie. They sold the contract. The company that purchased it did a terrible job with how they applied the int to the loan taking way more than they should have each month. I stopped making payments until they corrected this situation. They never did. Instead they put two payments to the rear of the loan to get me caught up, I made a double payment, all of which went to int. except a small amount. The credit report constantly shows me late, when in XXXX I caught up and stayed current. they even admitted they missed one of my payments. they wont correct it. very damaging. and still they want thousands more in interest money than they should be getting. the correct amount should be {$13000.00}. they have it as XXXX, and I have paid well over 15,000 with more expected. I have argued til I am blue in the face. they just wont listen to reason. I show I have 8 payments left, they are demanding 12. I refuse to give in to them. I just want this done. I may not have been perfect on this loan, but it is paid and I can pay it off today, if they would come to a real number, and that would be 6 months ahead of schedule.

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 02/28/2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I just found in my credit report a collections for {$300.00} from Midwest Recovery System.

I do not owe that money if should be a mistaken identity.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Debt collection (Medical) with Computer Credit, Inc. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: None of the above seem to fit took the best one. I was in the Hospital in XXXX, XXXX, XXXX My Medicare advantage plan has now started charging a per diem charge for hospital stays day 1 - 6. Got a call from XXXX, told them to send me a bill, got my first bill in XXXX. XXXX had denied the orig. claim. total was {$800.00} I paid {$200.00}. XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX, Honor health sent me to collections the same day because I refused to make formal payment arrangements. The collection agency will not take payments said I had to talk to the Hosp. the Hosp will not take payments because they turned it over to collections. I only had 2 payments left and no one can decide where I should send them. The collection agency and Hosp want the full amount. I was told that XXXX XXXX REQUIRES a patient to set up payment arrangements. Can they demand full payment? I figured I 'd have this paid off in less than 6 months actually it would be 4 months so a payment arrangement contract did n't seem necessary. But now no one wants the MONEY. The per diem charge was new in XXXX usually we had a co-pay it came as a great surprise that now we have a per diem. They have me delinquent because the charge was for XXXX/XXXX/XXXX even though I did n't get a bill until XXXX XXXX. Is it true that even if you make your payments you can still be sent to collections? it seems a bit odd that a creditor would rather take 50 % than the entire balance. If they are willing to take 50 % I could do that.. Do n't know what to do now, I had planned to send the Hosp, XXXX on the XXXX of XXXX, but I am being told that the Hosp and Collection agency can not accept the payment. It used to be that if a payment was refused by the creditor the creditor risked having the debt cancelled, has that changed? XXXX citizens have enough problems we do n't need any more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (FL).
Issue: Fraud or scam

Complaint: On  XXXX   XXXX , I clicked a link in an email for security purposes and received the following reply from coinbase : " We have received your request to disable signin to your account.   XXXX  At this time we have signed out all sessions for your account, disabled any new signins, revoked API access, and cancelled any recurring payments that were configured.   XXXX  If you have an existing support case open, our agents will get back to you as soon as possible. " It has now bee n 2 weeks a nd I have been trying to reach this company to re-enable access to my account without any type of success. My account holds over {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: In XXXX of this year I purchased tickets for a show. I late discovered I could not go. I contacted the vendor requesting a refund. I received no answer. I then contacted citi and requested they dispute the charges. The show was subsequently cancelled. I provided this information to citi. Yet they still sided with the vendor. I paid for a show I did not attend. This is unfair and deceptive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I requested a credit card from XXXX on XXXX XXXX 2016. TransUnion, credit reporting agency deducted XXXX points from my credit score. I called TransUnion but the Supervisor would not give me any information why - XXXX points were deducted instead normal XXXX to XXXX points for hard inquiry. I filed a dispute to TransUnion on XXXX XXXX 2016 but I have not received a response.

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 04/13/2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: I went to open an account with XXXX XXXX XXXX and they closed my account stating i had an issue with a Suntrust bank but I have never had Suntrust bank at all. I called Suntrust and went through their fraud department and got a case number with them.

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 08/24/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On XXXX XXXX, 2016, written instructions were sent to American Education Services as to how my extra payment should be apportioned. The language in the letter to American Education Services was clear and unambiguous. Rather than apply my extra payment as directed ( toward XXXX loan in particular ), American Education Services apportioned the extra payment toward XXXX separate loans. I am attaching the letter sent, in addition to the screen shot of how the payment was apportioned. Although I was advised that the payment would be corrected and apportioned as directed, no correction has occurred.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (RI).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have several Federal Student Loans serviced by Navient. Prior to entering repayment in XXXX XXXX and since that time I have had several issues with customer service providing incomplete or inaccurate information but one instance truly stands out. As part of financing my XXXX education my mother took out a loan on my behalf. Then-XXXX described this Parent Plus loan as being in my mother 's name initially but then being my responsibility to repay following matriculation. Without this loan I would not have been able to continue my XXXX or XXXX education. Prior to XXXX XXXX I received several communications from Navient concerning my loans and, since we believed that this Parent Plus Loan was now connected to my account, we assumed all loans were included on these communications. Fast forward to XXXX XXXX and my mother receives correspondence from Navient indicating that she has defaulted on this loan and they would be notifying the Credit Bureau and withholding her Income Tax check. We did not receive ANY correspondence relating to this loan itself at any point prior to this. To our horror, we learned that this Parent Plus Loan is actually still linked to my mother 's name and there is no way to transfer it to my name, either through Navient or otherwise. The Navient representative we spoke to, XXXX, said that we must either pay all past-due payments, interest, and fees within 30 days or enter forbearance : those were the only options given to us. XXXX went on to say, " I know, they did n't really explain these well a few years ago '' ( referring to the Parent Plus Loans ). Obviously we did not have XXXX of dollars to clear up these issues so we were forced into forbearance. The forbearance period is now over and I am unable to enter into an income-based repayment plan on this loan because it is not linked to my social security number even though I am the one paying it. Navient provided incomplete, inaccurate information and completely defrauds consumers. Navient preys on desperate students and forces them into payment plans which cripple them and allows for no room to live.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with ConServe (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been affected by the downturn in the economy since the market crashed XX/XX/2008. I have been on and off public assistance and unemployment, whilst seeking work in my field. I fell behind taking care of my Perkins loan, although I tried to get it out of collections, I let it slide, and it transferred from agency. I am finally in the process of getting my life back on track with a contract position. I was incensed, however when I received a call from " Conserve '' at my job today. They were very hostile and aggressive. I asked them who they were and for an email or web site, and they would not cooperate. They embarrassed me whilst I was trying to work to pay my bills, and debt that capitalizes daily. I have enough stress in my life trying to pay for food and a roof over my head, and I do not need to have my place of work interrupted with rude debt collectors. Why ca n't I roll this perkins debt into one of my consolidations? Why must I be harassed, while I am trying to keep my employment? I have enough anxiety trying to perform well at work, I do n't need to worry about losing my job because a debt collector is calling. People are cut throat enough, I do n't need this XXXX. XXXX, I ca n't deal with this. Their number is XXXX. I am not giving out my personal information to a stranger, who would n't even be forthright with whom they were. I am already on income based repayment. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: A Bank of America employe stole my money. I had a XXXX in there. I have been calling for 4 1/2 years and nothing is getting done. They closed my account without my permission. I want my money bank and want to file a law suit.

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