milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/22/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have sent this company several letters requesting validation of the claimed debt and they have not provided me with viable evidence.They are claiming I owe {$750.00}. I sent them a letter on XXXX/XXXX/2017.  They then sent the account to another company and I requested validation of the debt with them as well and they have not provided it. They are giving me the run around and they are not verifying this unverifiable account. I have attached the letter I sent to both Midland Funding LLC and the law office they sent the account to, XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX XXXX this college cost me several thousands of dollars. I did not receive the help or internships as promised. I would contact the college on several occasions and each time I had a new student advisor. I was always told the previous person had found another job. I was unable to find any jobs in my area for the degree I obtained. At this point the degree has become useless. I 'm stuck with a hefty bill I will never be after to repay and I think the Loans should be discharged. The college lost there accredation and has since then been reported as closed and was under investigation for several things.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I Found a new collection on my credit report today from XXXX XXXX I do not have a account With them also did not authorize anyone to open a account with them or any fraudulent account that may have been opened in my name. I am a victim pf Fraud also a security breach. This is not my account .I was given a account opened XX/XX/2017 by XXXX XXXX of {$350.00}, I already have fraud alerts on my credit report which have been in place.I advised the rep this is fraud and I need this removed from all 3 credit bureaus within the next 5 days. Information he verified wasn't accurate. I have no kcontract with this company. I also have a theft report with the ftc

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 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Hello, I disputed an adverse account listed on my TransUnion Credit report. Of the XXXX credit reports only trans Union shows this. I disputed it as it should not be on my credit report. I enrolled in a free trail membership ant a martial arts Gym and cancelled well within the free trail cancellation window. The Gym gave me a very hard sell but I refused to join. They continued to send me bills even after I had spoken with the head instructor and he agreed to not bill me. TransUnion did not provide any further details about their investigation or why this martial art gym shows up on my credit report as an adverse account. I work very hard to ensure my debts are paid in a timely fashion and this is the only ding on my credit report and it is false. 

Any assistance would be greatly appreciated. 

Thank you for your time.

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 10/16/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2016, I checked my credit report and all of my inquires were deleted. I looked back on my report today and they are all back on my 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 07/18/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NC).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: On    XXXX   XXXX   ,  2017  I received an email titled " NOTICE OF ACCOUNT CLOSURE AND PENDING DISABLEMENT '' while in  XXXX  on vacation. Coinbase thought I was a resident of  XXXX  and that " If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at  XXXX  XXXX  XXXX  immediately and provide us with a copy of a photo ID and proof of your current address. " I immediately sent them the documentation requested and after 3 days on    XXXX   XXXX  ,   2017  I received a response from their customer service that the issue was being investigated by a  specialist  and I would be contacted when there was an update. After not hearing anything for a few days I responded on  XXXX   XXXX ,    2017  just asking for a status update. I have yet to hear back from them. I have also tweeted at their customer support  (  @ CoinbaseSupport ) MANY times to no avail. My support ticket number from the original email is  XXXX  So at the moment I have no access to any of my funds ( both USD and ETH ) that are in my Coinbase account.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (Payday loan) with National Credit Adjusters, LLC (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: ***THIS IS A NEW CLAIM. *** On XXXX XXXX, 2015, I received an automated call requesting that I return their call. When I immediately returned the call, it was National Credit Adjusters. I believe this call is in violation of the Telephone Consumer Protection Act and/or the Fair Debt Collection Practices Act. I immediately called the number given on recording. I explained that I have a complaint against the company and will not settle the debt until the matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 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: Investigation took more than 30 days

Complaint: My response letter was untimely pursuant to FCRA 623 ( a ) ( 8 ) ( E ), which in accordance with FCRA 611 ( a ) ( 1 ) ( A ) would have required XXXX to report the results to me WITHIN 30 DAYS from the date of receipt of my notice which was XXXX XXXX, XXXX. XXXX response was mailed to me on XXXX/XXXX/XXXX, which is well outside of the XXXX requirement as prescribed in the following FCRA laws. It appears that XXXX received my second dispute notice on XXXX/XXXX/XXXX and attempted to respond to that by backdating it to XXXX/XXXX/XXXX in attempt to appear compliant with the law for the initial dispute. XXXX act of deception was still out of compliance because XXXX mailed it outside of the XXXX window for the first dispute, and XXXX committed fraud in the process. 
623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) SEE BELOW* within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section.
* 611. Procedure in case of disputed accuracy [ 15 U.S.C. 16 ( a ) Reinvestigations of Disputed Information ( 1 ) ReinvestigationRequired ( A ) In general. Subject to subsection ( f ), if the  completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 04/18/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (VA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a follow-up to a complaint I made yesterday, #  XXXX . A company called  RoundPoint ha s been contacting me asking for money, claiming to be my mortgage servicer. Meanwhile,  XXXX  ( my actual mortgage servicer ) has confirmed multiple times that  XXXX  is the servicer. I have been making my payments to  XXXX . After I filed complaint #  XXXX  yesterday,  RoundPoint called me to respond to the complaint, claiming that I am still being serviced by RoundPoint  and that they will send me paperwork to prove it. However,  XXXX  has sent me paperwork showing that they purchased servicing rights fr om RoundPoint  effective  XXXX   XXXX ,   XXXX  . I am writing again to include this letter from  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 02-10-2017 about Credit card () with Alliance Data Card Services (VA).
Issue: Delinquent account

Complaint: I failed to make my monthly payment with PayPal Credit, and as a result they sent my account to their collections department. Once my account was in their collections department, I began receiving three calls per day. After XXXX3 days, even though I was in a meeting, I took their call and arrange the payment to be scheduled. I did this soley because I wanted the phone calls 3 times per day to stop. When I answered their 3rd phone call today, no one was on the line and the call was disconnected, so I called back. I spoke with XXXX different representatives, XXXX of them was a supervisor. XXXX of the non-supervisors I spoke to asked if I wanted to placed on their cease and desist call list. I told him that that was n't necessary as I appreciated the follow up on the occasions where I forgot to make a payment. I further explained that my unhappiness with the phone calls was because I was called three times per day which I was annoyed with and felt harassed by. I informed the supervisor that I spoke with of the same sentiments and also informed him that I would be submitting a complaint with the CFPB. He said that he would notate my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Application processing delay

Complaint: Appllied for Toysrus master card in the month of XXXX and I did not receive my card till XXXX XXXX. 
Called this company several times for the status and every time they say they are expediting the process, but issues not resolved.Customer service used to say previous request was not processed and they will complete a new request this time and it kept on happened for 5 times in the month of XXXX and XXXX. 
No response on why they are not able to process the card. 
They did my credit check and approved the card We already spent more than XXXX in toysrus using my other cards and lost my 10 % discount for card holder which is approximately XXXX $ It 's really a worst customer service I have ever had

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2016 about Mortgage (FHA mortgage) with NORTHERN OHIO INVESTMENT COMPANY (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I began my modification with noic in XXXX 2016. While modifications are not supposed to charge any fees, noic would NOT start a trail modification until I paid a XXXX title fee. If I am struggling to make a mortgage payment it seems unfair to charge me a fee to start an fha modification. Once the fee was paid I was emailed the trail modification packet to sign and return via fax. I completed my trial payments all on time. My last payment was XXXX XXXX. I was told XXXX XXXX I 'll have paperwork coming to me. Today XXXX XXXX I called. I was advised in order to get final mod paperwork I again have to pay an overnight fee. They refused to fax documents or email. When questioned why they were refusing since it was done with the trail mod, they only offered for me to personally pick up over 2 hrs away, or they would regular mail XXXX XXXX but I need to mail back by XXXX XXXX. They indicated I would have to cover the cost of overnight paperwork because they pass that expense on to get modifications finalized. They would send regular mail but not till XXXX XXXX but refused to fax or email documents back even though it was done before. So either I have to pay another fee to them to have a modification or I run the risk of paperwork not getting to me. I included the email in which they sent the trail modification to me via emsil, no issue. I included the trail mod paperwork received via email with the fee, and the email in which they received my fax back, again no issue. Now all of the sudden they state fax is no longer an option because of the quality of documents and email is not secur. So instead I am told I either must pay an overnight fee or wait till XXXX XXXX for reg mail and it due back by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.

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 10-04-2016 about Consumer Loan (Installment loan) with GVA Holdings, LLC (NV).
Issue: Taking out the loan or lease

Complaint: Filled out an online application with a company called NORTHERN PLAINS FUNDING, I was then sent a series of pre-approval emails ( XXXX ). Opened the emails to find " YOU ARE APPROVED-sign your loan documents for money to be deposited next day ''. I did not sign them right away as I wanted to wait and see if I could cover my bills without having to take out the loan. 2 days later I signed the paperwork electronically and submitted. The following day I get a call from the North Plains Lending saying that they need to do a verification process with me regarding my employment, banking, etc. I asked why they had me sign loan documents before doing this and she said this is our process ... .this is not a good process as they have asked me to sign documents saying I agree to all their crazy terms and to doing business based on a reservation, etc. and then they do n't even have you approved.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: As os XX/XX/XXXXmy total balance with Navient was {$47000.00} including principle and interest. Since XXXX/XXXX/XXXX ( Last 6 months ) I have been making monthly income-based payments of {$150.00} for a total of {$920.00}. 

Naveint has confirmed receiving each payment as reflected by my credit report and Navient online portal. 

However, instead of my total Balance declining by the paid XXXX to {$46000.00}, it has increased by {$350.00} leaving my current total balance at {$48000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was recently transferred from XXXX to XXXX to owcen to now nationstar mortgage. I have had the loan for 8 years. In that time I have had an escrow that paid my insurance and taxes. I have paid {$400.00} per month and it has covered the payment, insurance, and taxes. Now that nationstar has my account since XXXX of this year, my insurance and taxes are not only behind but my insurance was canceled and I was not allowed to renew. I have called nation star several times and got no help. Sometimes I call and they say I do n't have an escrow account, other times they say I have over {$1000.00} in escrow but my insurance company needs to send an affidavit. Once they told me they put in a work order to release my escrow but I would have to pay the past due balance out of pocket. I called once and they said my account was set up without escrow and I have to pay everything on my own. I am not sure what is going on. All I know is I 'm paying money and no one will tell me where it 's going or my escrow information. I should know where my funds are being held, the account number, and how much comes and goes in the account. Instead I keep getting transfered between the escrow, customer service, and insurance department. When I request to speak with a supervisor I 'm told that they are on break. They say they will follow up with my request but I do n't get any response. I need to know what they are doing with the funds in my escrow account and I want my taxes and insurance paid

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (I do not know) with Unique Management Services, Inc (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is currently an account reporting on my credit report saying that I owe them, I am having a hard time getting the specifics of this account where and when. I have no idea where this account came from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Multiple months now I have received letters from Navient claiming they have n't received my payments when my payments are auto-debited every month. I tried calling several times today and the recording on the phone says they 're closed even though their hours indicate that they 're still open, then the call just hangs up. This is very frustrating because 1. Where is my money going? And XXXX. I do n't want them to falsely report to the credit bureau that I 'm not paying.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Medical) with COLLECTION PROFESSIONALS INC (Illinois) (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i had no knowledge of this debt until i saw it on my cerdit file. i paid it but i didnt ask or sign for any medical service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (MD).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX I called Western Union for the first time about this issue. They told me they will conduct an investigation and would let me know within 14 days.

I called back on XX/XX/XXXX I was giving a case number : XXXX and told me that someone was going to call me. When they called they said that I was going to receive and email giving me a new track number and also I was asked if I want the money in the mail or to pick it up from the office, at that time I said in the mail, again I have to wait about 14 days. I did not heard from them. When I called back XX/XX/XXXX I was giving a new case number:XXXX and they say that someone was going to call me within 48 hours to give a new track number to pick up the money. I went to the office but the clerk called Western Union to get the new track number and they never picked up. I called again on XX/XX/XXXX spoke to XXXX and told him that if I did not get an straight answer I was going to file a complain, he promise that my check was going to be in the mail within the next 24 hours. Until today no word from them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: I have been trying to get information from Ally Financial for months now. I requested information via mail and through the bureaus and they still do n't respond.

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