milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I have a private loan through Navient, formerly XXXX XXXX. The original loan amount was less then XXXX in 2005. I enrolled in XXXX XXXX of XXXX but had to switch schools after XXXX semester. The program director left the office early so I was charged for XXXX full terms and the credits did not transfer. I am unable to refinance my loan and by then end of the term will have paid Navient over {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: XXXX, Experian And XXXX are repeatedly violating the Fair Credit Reporting Act by not verifying information on my credit reports. I keep asking them for written, signed by whom verification for items that are on my credit report and they just keep sending letters back stating that it is verified, not sending me what I requested. Also they have been changing the report dates on items that are on the reports to prolong the reported item to stay on the credit report for a few more years. One account in particular is a bankruptcy that showed up on my credit reports that they refuse to verify, ca n't verify because I already called the U.S. Federal Bankruptcy Courts for this region and I was told by the court that they do not, will not and ever report information to the credit reporting agencies. what baffles me is that they are not sending me signed, written verification, who is verifying the information? According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Lew to verify, Through the physical verification or the original signed consumer contract, Any and all accounts that are posted on a credit report otherwise, Anyone paying for my credit reporting services could fax, mail or email in a fraudulent account. If the account can not be verified or validated, It must be removed immediately!! I will be seeking an attorney and filing a lawsuit on this matter as soon as possible!! XXXX has just settled a class action lawsuit for the exact same thing I am filing this complaint over, And I am part of the class.. XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , Experian XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. If they can not send me signed, written verification or signed, written validation on these Bankrupcies listed on their reports, It must be removed immediately!!! Thank You for your time in this matter. If you need any more information, Feel free to call me at this number, ( XXXX ) XXXX. 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 12-12-2017 about Debt collection (Medical debt) with Professional Recovery Management (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX in XXXX, TN to s attempting to collect and is reporting a collections account on my credit reporting agencies for {$280.00} to the original bill owner - XXXX. 

I paid XXXX on X/XX/15 and provided the date and check number to XXXX. They claimed thats not enough. 

I need this removed from my credit as its damaging my credit not allowing me to reach XXXX for the ability to rent an apt . 

So, I contacted them again and requested that if I pay them the money again will they please delete the reporting. 

I received in writing that they will not remove the reporting from my credit - they will just change the status. 

This is absolutely ridiculous as they are attempting to collect a debt that doesnt exist AND further are not willing to work with me to correct my credit. 

Please help. 

XXXX XXXX XXXX Cell : XXXX XXXX XXXX XXXX XXXX, TN XXXX

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Experian Illigally opened Credit Disputes that I didnt authorize.

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 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TN).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: We made 2 / {$1000.00} payments to our Citi Simplicity Credit Card. 
We have documentation of the payments / they were deducted from a prepaid XXXX XXXX debit card on XX/XX/XXXX and XX/XX/XXXX. 
However Citi has claimed that the payments were received then withdrawn back to the card. This is not an option for this prepaid debt card. Also the transactions show full payment made, received, and withdrawn from XXXX. We have spent months being asked for statements and proof of payments made, which we have sent multiple. We have tried to do everything they ask us as well as continue to pay monthly even while in dispute. It appears as though they keep changing the monthly rate giving us insane interest fees different each month even though the balance shows little to no decrease because of the interest rate they are charging us on the closed card. 
We have sent them direct paperwork from XXXX XXXX, as well XXXX XXXX Representatives contacted them directly. 
All of the XXXX XXXX transaction papers that I have sent them copies of show proof of payment, And absolutely no returned payments. We have never made a late payment with this company and before this debacle we have paid well over the amount due. And they still decided to shut the card off. Please help, we are at wits end.

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 11/28/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech Financial started foreclosure proceedings against me XX/XX/2016. I live in XXXX. They have filed and recorded fraudulent and forged foreclosing documents in the XXXX County Recorder 's Office. They have refused to verify these fraudulent documents subsequent to my repeated requests in violation of the California Homeowners Bill of Rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX   XXXX    XXXX   XXXX   XXXX   i have called varies times sinc e 2015 i have sent letters and they will say i will get imformation on mail two years now im still waiting for an answer. never give then my authorization or consent to checck or a pply for mortgage on my behalf. this credit inquiry is damaging my credit rating. please have them provide full documentation regarding the circunstances surrounding your review of my credit report, pursuant to the permissible purpose provisions of the fair credit reporting act. also since i did not ask them to do such thing and i been waiting all this time i demand for them to remove it the offending inquiry at once.   XXXX  thanks for your assistance  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 06-06-2017 about Mortgage (Other type of mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (IN).
Issue: Closing on a mortgage

Complaint: When we bought the home on  XX/XX/XXXX  we also received checks around  XXXX   XXXX  to pay off some other bills. Within  two  weeks our company went bankrupt and we had to file bankruptcy also. We still had the checks from Beneficial. Our lawyer and  Beneficial  said to send them back to Beneficial. That is when the problem started. I sent back all the checks to Beneficial but they never took them off of what we owed. I asked to get copies of the checks but to no avail. I told the gentleman I want to keep the house and I wanted it to be reaffirmed and he said ok.   I have been trying to get  XXXX  since  XX/XX/XXXX . My doctor has told me not to work. I am just asking to keep my home. Every since we bought the home it has been a nightmare. There was no home inspection done at the time that we bought the home and we had termites. That was a fortune to get rid of them and now the floors in the living room where the termites were is caving in and we are scared to walk on them. I still feel there is something wrong with the way the paperwork and closing was done. I have asked  Beneficial  to do an audit on our closing paperwork but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: Good morning CFPB- I first want to congratulation CFPB for your good work. I am not the only one under attack. We need  Congress  to come to your assistance!  <P/> In  XXXX  I lost my   XXXX   XXXX   due to the economic downturn, which also dried up my   XXXX   XXXX   XXXX   XXXX  . My home loan was with   XXXX   XXXX   XXXX  , and they could have exercised one of  4 options : 1.  Putting the missed payments/penalties on the back end.  2.  Interest only with a balloon. 3. Conversion a  40 yr loan to a 50  yr. loan. 4. Complete write off. These are options applied to other customers but not to me.   I hired a lawyer from  XXXX  to act on my behalf, the result being  XXXX  slapped a sale date for  XX/XX/XXXX , and passed me off to  Shellpoint  Mortgage. In the  2  weeks I have been with Shellpoint they have switched the ( required  ) s ingle point of contact representatives 3 times, I have never been able to speak to any of them, and they do not answer their phone. And on  2  occasions, when I called into the general phone number, both times the call was disconnected mid -conversation. Starting yesterday, I faxed in the required docs, and all  3  fax lines were busy. This is a deliberate tactic to let the clock run out until the auction date   XXXX   XXXX  .   Further, the California  Bill of Rights for Homeowners  requires that a bank can not practice " dual tracking. ''  XXXX  did not abide to this rule and Shellpoint is showing signs of doing the same thing. My attorney at the time requested a 90 day suspension from this sale date but  Shellpoint  has not responded to his letter nor have they returned his calls.   Another issue is that homeowners have the legal right to access their investor.  XXXX  and Shellpoint both name   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX  denies being the investor. Here is the language :   XXXX   XXXX   XXXX   XXXX   XXXX   as Trustee for the Certificate Holders of the  XXXX   XXXX . The pre-recorded phone number for  XXXX  also states they are not the investor.  XXXX   XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Identity theft / Fraud / Embezzlement

Complaint: CITIBANK STILL OWE ME {$200.00} BECAUSE I OVER PAID THEM.I SEE THAT THEY HAVE DELETED SOME OF MY INFORMATION TO SUIT THEIR GREED..I WAS WAITING FOR A REFUND CHECK WHEN INSTEAD I SUDDENLY RECEIVED A CITI BILL FOR XXXX XXXX.I ACTUALLY STILL HAVE CITI STATEMENTS PROVING MY POINT.MY ONLINE CITI ACCOUNT HAS BEEN CHANGED SEVERAL.I HAVE PAPERWORK SHOWING THAT THEY SUBTRACTED INFO AND ADDED CHARGES TO MAKE A POINT THAT I MUST PAY OR I WILL RUIN MY CREDIT IF I DON'T.I AM WRITING YOU TO AVOID THAT FROM HAPPENING.I HAVE ALREADY FOUND THE EXACT SAME COMPLAINTS ON THE CONSUMER WEBSITES.I HAD NO IDEA THAT CITIBANK WAS A SCAM.I NEVER WOULD HAVE APPLIED FOR A CREDIT CARD, IF I KNEW BETTER.I HAVE FINALLY BUILT MY CREDIT UP, AFTR A LIFETIME OF IDENTITY FRAUD FROM UTILTY BILLS ALL THE WAY TO TAX REFUND FRAUD ISSUES.I AM VERY HURT AND DISAPPOINTED THAT CITIBANK WOULD SINGLE ME OUT TO CHARGE MONEY I DO NOT OWE..ANYWAY THAT YOU CAN HELP ME, PLEASE DO.THANK YOU IN ADVANCE.

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 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I called XXXX and gave them all of the companies above with inquiry dates which are listed above. I asked XXXX to please remove them from my credit report because I never authorized these inquiries and that I was a victim of inquiry issue. I am not questioning any debt on my report. all I asked was for all of them to please be removed because I never authorized them. XXXX was not responsive and told me they would not remove and for me to just wait a few years and they would go away. I told them this was not acceptable, I also have tried reaching out to the companines above, but I am like a needle in a haystack. I can not find a human being to help me. If you could please let me know if your company can help me. thank you so much.. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Prepaid card (Payroll card) with NETSPEND CORPORATION (CT).
Issue: Unauthorized transactions/trans. issues

Complaint: on a sunday, I went to a free atm to get money after church to pay my tithes and for gas money for work I knew exactly how much I had. Nothing was available. called the skylight card and they told me a transaction had been made I asked them when and they stated that day. I informed them I was at church. They then informed me that the company that made the deposit did a reversal and that they would have my XXXX back on in XXXX hrs, I called back they stated they mailed it to my physical address. That is the last that I have heard from them I contacted the agency and was told they said they would mail the check to them. I do n't know why they have not either mailed the check by now or placed it back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Rewards

Complaint: My XXXX year old mother passed away recently, after having had an at & t/universal/citi credit card since 1990. Concerned with eliminating any chance of fraud, I called the XXXX number and canceled the card. In the process of canceling the card, I noticed that there were XXXX available reward points on the card with a value of approximately {$250.00}, so I asked if I could collect them, if the card was canceled. The answer was yes, cancel the card, and log in to the website to redeem the points. However, once the card was canceled, I could no longer log in. So I called back, only to be disconnected twice, after explaining the problem, being asked if there was a will and being left on hold several minutes. The third time I called, I was told that when you die, you forfeit your points. This is not a significant amount of money to us, but I believe it is real money, used as an enticement to gain business, and should not default back to the bank. When this policy is amplified on a national basis, it becomes a very significant amount to the bank. 
In addition, in the initial call, I was told we would receive a final bill, which I indicated we would pay. The final bill never came. Instead, we receved a letter from a Delaware collection agency regarding my mother 's unpaid bill. This part is just bad policy on the part of the bank, but the required forfeiting of the rewards points I would consider to be outright fraud or theft, very similar to the charging of fees on gift cards until they devour themselves, which I believe has since been outlawed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-09-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WI).
Issue: Other service problem

Complaint: Over a month ago ( XXXX XXXX XXXX ) I was signed out of my CoinBase app on my XXXX. Im not sure why the CoinBase app randomly signed me out. When attempting to sign back in I was prompted for a two factor authentication. The app proceeded to text me a code I was supposed to enter in order to sign in. Unfortunately, I no longer have access to the phone number listed with my account, so I could not recieve the texted code. I proceeded to the account recovery option on the code entry page that you could select if you were unable to recieve a one time code. I was prompted to change my phone number with my account, but needed to enter in my previous number in order to change it. The previous number listed on my account is a temporary number, and I dont remember what that number is. I therefore cant change the phone number on my account to my current number. 

I proceeded to email CoinBase support on the same day. I received an automated response directing me to some FAQs on their website. Below the email in very small text that I only noticed about 5 data later it said I could respond to that email if I needed further assistance and that only if I responded to the email that theyd be in touch as soon as possible. 

Ive now waited over a month since my original email on XXXX XXXX ( today is XXXX XXXX ) and have yet to recieve a response. Ive responded to the automated email 3 times and DMd the CoinBase support XXXX account, to no avail. Im extremely frusturated because Im locked out of my account and have not received any response or assistance regaining access to my account and funds in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: After XXXX attempts to consummate a short sale for this property, for XXXX reason or another Bank of America was unable to proceed. After finally figuring out that BofA did not want a short sale, I quickly applied for the deed-in-lieu program. The investor, XXXX, has approved the deed -in-lieu but BofA has declined the process. The sale date is scheduled for XXXX/XXXX/2015. I have called as many agencies as I could to stop the foreclosure so we could consummate the XXXX. I have also filed a pro se motion with the court to postpone the sale date to give ample time to finish the XXXX. All paperwork is in and XXXX is willing but the servicer is unwilling to co-operate. What is my next step?.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2017 about Money transfer, virtual currency, or money service (Money order) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Lost or stolen money order

Complaint: I purchased five money orders from XXXX in XXXX XXXX, 2017 totally {$2200.00}. They were made out to XXXX at XXXX. I put them in the apartment dropbox/night drop on XXXX XXXX, 2017 around XXXX. I am a XXXX XXXX and worked a three day trip. Upon returning on the XX/XX/XXXX I noticed I still owed the apartment. The complex claimed they never received them. I gave them copies of the money order stubs/receipts. After a couple of weeks they told of me I needed to contact XXXX and report them lost/stolen. I contacted XXXX and they said they had already been cashed on the XX/XX/XXXX. I was unable to file a lost/stolen report as they were already cashed. They said I could get a copy of the deposited money orders for {$24.00} each. I had five money orders and got all the copies. The copies DO NOT have any financial institutions information on them. I had to call XXXX back. They sent me Source of Receipt. XXXX XXXX says it is not their issue to get me the money back and ca n't help me. They told me the institution who cashed the fraudulent tampered money orders are responsible. Bank of America is listed as bank of first deposit. I called their Customer Service phone number who in turn sent me to another dept. who in turn said I had to go to a branch and fill out paperwork. I want to a branch and they said they can not help me. They said XXXX XXXX is responsible. The money orders were clearly altered and Bank of America allowed them to be cashed anyhow.

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 07/13/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Every week for the past 3 weeks, Capital One has called me on my mobile phone asking to speak to my ex-boyfriend ( who I am no longer in contact with ) regarding a " business matter ''. The first time they called ( XXXX/XXXX/16 ), I explained that I did n't know how to contact him and I asked them to remove my number from their list. They said they got my mobile number from an online database, and they would remove me. The second week ( XXXX/XXXX/16 XXXX, I talked to a different rep from Capital One named XXXX. Again, I told them to remove me from their list and asked why I had n't been removed yet. She said she was a new person assigned to his case and did n't know I had asked to be removed. I told them it was illegal for them to call me more than once after I asked them to stop calling me. They assured me I would be removed from their list and they would n't call again. Today, XXXX, I received yet another call from Capital One looking for my ex-boyfriend, this time from XXXX. I explained that this was the third time I was being contacted, and that it was illegal for them to continue to contact me. The rep said she was just assigned to his case and did n't see any notes about me asking to be removed from the list. I asked to speak to her manager. I spoke to XXXX and explained the situation. She also did not see any notes about me asking to be removed from their database. I told her they were in violation of the Debt Collection Practices Act and that I would be reporting Capital one to the Consumer Financial Protection Bureau. She said she would remove me from the list. I got a direct phone number to the supervisor 's line to use if I received any more calls.

Company response to consumer: Closed with non-monetary relief