milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently XXXX and Navient has always pushed me into forbearance for paying them back. My current payments will be {$140.00} I cant really afford that. I need to be put in an program that will go off of my pay. The school I was attending when I received the loan is not out of business XXXX XXXX XXXX XXXX it was a total rip off!!! Im not stuck with like XXXX dollars of debt and they did not help me with a job and I was paying payments also to the school thinking it was paying down my debt. The financial aid officer at XXXX was a fraud and she did not explain things to me in a clear and cut matter. I would have never went there if I knew I was going to be in all this debt. I cant even buy a house until I get rid of this debt!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Mortgage (Conventional fixed mortgage) with CARDINAL FINANCIAL COMPANY (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Hello : I recently took out a {$180000.00} purchase mortgage with Cardinal Financial Company LLP ( loan # XXXX ) that closed on XXXX/XXXX/XXXX. On the closing disclosures I signed, the estimated monthly payment was listed as {$1200.00} and included Principal & Interest ( {$850.00} ) +Escrow of {$350.00} to cover taxes and insurance. However, when I received the first statement ( for the payment due on XXXX/XXXX/XXXX ), the monthly charge had increased by {$80.00} to a new payment of {$1200.00}. 

When I called Cardinal Financial the week prior to the XXXX/XXXX/XXXX due date to ask about the increase, they indicated that it was probably a charge for private mortgage insurance ( PMI ). I explained that there was no indication on my financial paperwork ( attached ) that there would be a charge for PMI. In fact, it specifically listed PMI as {$0.00}. 

I went ahead and made a payment in the amount of {$1200.00} ( the full amount listed on my closing paperwork ) and I notified Cardinal Financial Company LLP in writing ( by e-mail on XXXX/XXXX/XXXX and through certified mail ) that I wanted them to acknowledge the correct amount of my monthly payment of {$1200.00} in writing and correct it going forward on my monthly statements. 

I have not heard anything definitive from Cardinal, other than to hear that the matter had been elevated to upper management ( that was last Thursday, XXXX/XXXX/XXXX ). 

Since then, I received a letter from Cardinal ( dated XXXX ) that they had received my payment of {$1200.00} but would not apply the payment until they received another {$80.00}. In other words, if I do n't pay this additional amount, they will not credit my account and could report my payment as late. 

As I understand it, this is a violation of TRID rules ( RESPA and TILA ) and Cardinal is obligated to accept the payment in full as indicated on my closing documents. They can not charge additional fees simply because they want to. 

Since I have a high credit score and did make my payment on time ( on XXXX ), I am concerned that Cardinal Financial Company LLP is trying to extort an additional payment they are not due by threatening not to apply my on-time payment. 

Separately, I received notice from XXXX that they have purchased this loan. I imagine they wo n't be too happy to learn Cardinal misled me at closing. 

I could use your help in this matter. 

Thanks, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I signed up for transunion and XXXX credit monitoring services. I disputed all negative items on my report and many were updated and removed. I also had bankruptcy from 2008 fall of my report during my membership. All of these positive changes in my credit file had me elated. However, my score on all my reports nevertheless decreased. In XXXX case over XXXX points. I am not sure if this is a marketing scheme to keep customer enrolled in membership programs to improve their scores. However, it seem quite suspicious that negative items can be removed from a report and a credit score can significantly drop. These agencies are up to something designed to sell their credit monitoring products and keep customer enrolled after purchase. 

thank youXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (NM).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX I purchased {$200.00} of Bitcoin from Coinbase. On XX/XX/XXXX that charge cleared my bank account. Then on XX/XX/XXXX Coinbase hit my bank account again for {$200.00} ( unauthorized ). This caused an over daft in my account and left me with no money.

Coinbase is not answering the phone and the web support is unresponsive.

As of now Coinbase owes me {$200.00} and an overdraft fee.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2016 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX bought XXXX charged off hsbc nevada credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from XXXX that I signed nor, any correspondence from them regarding these XXXX old hsbc nevada credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (Government benefit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Unexpected or other fees

Complaint: I was incorrectly charged a fee of XXXX on XX/XX/XXXX and again on XX/XX/XXXX at an atm machine listed as a XXXX atm for amex bluebird card. There should be no fee for such atm listings. I have tried on numerous occasions to view updated website listing and webpage has been inactive. All previous months this charge has been reversed when i called in. This month webpage still not working to locate different nearby location. Rep refused to reimburse claimed no longer on no charge list yet website still unavailable. Requested XXXX reimburse for 2 charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/24/2017 about Payday loan, title loan, or personal loan (Installment loan) with NAVY FEDERAL CREDIT UNION (DE).
Issue: Charged fees or interest you didn't expect

Complaint: In XXXX of 2015, I was asked to be a co-signer on a personal loan. After applying I was never notified or made aware of the payment or interest rate by the bank or the borrower to make a decision on whether I wanted to accept the terms and agreement and move forward with the loan. Upon finding out that the loan was actually taken out and I was a co-signer, I contacted the borrower and he advised he accepted the loan terms without my knowledge. I then contacted Navy Federal Credit Union and was advised I needed to sign the promissory note. In which I advised I was unaware of the loan and would not agree to sign it. I then made an attempt to contact the credit bureau to dispute it off of my credit report and it remained. On XX/XX/XXXX, I contacted Navy Federal again and was told that the promissory note was not signed and they did not need one to distribute the loan. Whenever you take out a loan the law requires you whether borrow or cosigner to sign the document which signifies your agreement to repay the money. In this case there is no agreement ( signed promissory ) advising that I accepted the responsibility of cosigning the loan with a payment of {$630.00} a month and an interest rate if 17.950 % for 60 months which is ridiculous. With this tells me is, if a person apply or in my case cosign a loan, I am a not provided with an agreement outlining the terms and conditions ( interest/payment ) and giving the opportunity to say either yes I agree with it or not I do n't. Which in this case I would not have agreed to it. I have not seen a promissory note nor does Navy Federal have a signed one on file with my signature agreeing to these terms. So essentially the process is - cosign a loan, provide no documents to cosigner to review and sign agreeing to the terms, just distribute the loan without the cosigner knowledge. If this is the process for Navy Federal Credit Union it is misleading and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I did not get a notice that I was being sued for a debt. I found the debt on my credit report and did not get a notice or anything to dispute this. The company  is Hunter Warfield. The amount is  XXXX  . The letter was sent to a friends house. This is total violation of privacy. I never got the letter until al most a year later. The address listed is not my address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: XXXX has denied access to my membership rewards for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: During the transfer of my loan from my loan originator, XXXX XXXX XXXX to Pacific Union, there was a miscommunication that has resulted in an unnecessary increase in my monthly mortgage payment. When I closed in XXXX of XXXX with XXXX, my mortgage payment was {$910.00} a month. While the loan was being transferred, Pacific Union Financial instructed my loan originator, XXXX XXXX XXXX, to hold half of my escrow from when it was set up at the closing plus the first mortgage payment I made in XXXX XXXX to cover the 1st half of property taxes due in XXXX XXXX and the first mortgage insurance payment to HUD. Instead of following their own instructions, Pacific Union Financial decided to make the 1st half of tax payments due in XXXX XXXX and this caused my escrow balance to go to a negative balance. Also, my homeowners insurance quote I received at closing ( {$480.00} ) and the final amount for the policy ( {$710.00} ) changed several months later. When my mortgage servicer performed their escrow analysis in XXXX XXXX, they miscalculated the amount of homeowner 's insurance and the shortage in my escrow account due to Pacific Union Financial paying the property taxes earlier than they had agreed. I have attempted to get this resolved internally with the escrow department but I do not seem to be getting anywhere for someone to properly research the issue. This has caused my payment to rise to {$990.00} a month to make up the difference in my escrow account. I fear that once my local county tax commissioner 's office sends out the tax bill for this year ( XXXX ), there will be another issue because my tax bill will be reduced from the previous year. If you need to reach me for further assistance please contact me at 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 07/29/2017 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: THIS HAS TO DO WITH " XXXX & EQUIFAX " NOT REPORTING CORRECT INFORMATION. THIS HAS BEEN GOING ON FOR ALMOST 9 MONTHS NOW SHOWING IN MY REPORT THAT THIS CREDITOR STILL CA N'T GET THIS ACCOUNT UPDATED CORRECTLY. I 'VE TRIED CALLING THE EXCHANGE AND I WAS TOLD AND ADVISED BY THE CALL TAKER THAT I 'M NOT ALLOWED TO TALK TO ANYONE IN CHARGE OVER THERE. I CAN ONLY SEND OUT EMAIL 'S WHICH I 'VE TRIED ALSO BUT THATS A DEAD END SAYING THEY ARE WORKING ON IT, THEY HAVE BEEN SAYING THAT FOR ALMOST 5 MONTHS NOW WITH NO RESULTS. THE CREDITOR IS XXXX/XXXX XXXX XXXX  ON XXXX REPORT AND ON EQUIFAX IT 'S LISTED UNDER XXXX XXXX XXXX XXXX. THEY SHOW THE ACCOUNT CLOSED SINCE XXXX/XXXX/2016 WHICH IS NOT CORRECT. I USE THE STORE CREDIT CARD, I PAY THE MONTHLY BILL EACH MONTH, THAT WOULD BE IMPOSSIBLE IF THE ACCOUNT WAS CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am getting a home loan and it is necessary that Equifax, XXXX ALL DELETE ANY AND ALL DISPUTES FROM MY CREDIT PROFILE. I HAVE ASKED THEM TO REMOVE ALL DISPUTES BY LETTER AND BY TELEPHONE AND THE DISPUTES AND DISPUTE COMMENTS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS PREVENTING MY MORTGAGE COMPANY FROM CLOSING ON MY HOME LOAN. PLEASE SEE DISPUTES HIGHLIGHTED IN THE ATTACHEMENT. I NEED ALL DISPUTES AND COMMENTS REGARDING DISPUTES REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have multiple incorrect and unauthorized credit inquires 1. ) XXXX XXXX XX/XX/XXXX 2. ) XXXX XXXX XX/XX/XXXX 3. ) XXXX XXXX XX/XX/XXXX 4. ) XXXX XXXX XX/XX/XXXX 5. ) One main XX/XX/XXXX 6. ) XXXX XXXX XX/XX/XXXX 7. ) XXXX XXXX XX/XX/XXXX 8. ) XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XXXX XX/XX/XXXX 10. ) XXXX XXXX XXXX XX/XX/XXXX 11. ) XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have sent dispute complaints to Experian on XXXX seperate occassions, All with documented and noterized proof that I am the legitimit person authorized to make request on my credit reports. Experian has failed me many times by totally disregarding Georgia State noterized documents issued and witnessed by a Bank Officials of XXXX XXXX XXXX, and disrespecting me as a real person. Experian has made the determination that they are going to dictate what they report on my credit reports by falsely accusing me of filing frevilious disputes, when I infact sent All necessary documentations of proof by certified mail. Experian then proceeds to give out false and Unverified information to potential creditors that has severly XXXX and XXXX my chances to buy a car or house at this point. Experian has totally disregarded the Federal Trades Commission Fair Credit Reporting Act by not following the rules on verifying, and through proper channles and Deleting All Unverifiiable Information on my credit report. Experian actions are dispiciable and Unacceptable at this point. ( Proof of ALL documents sent to Experian on XXXX seprate occassions. ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Capital One Auto Finance is not removing the Auto Loan Account which is 9 years and 3 months old. The vehicle was repossessed in XX/XX/XXXX. It 's been almost 8 years since the vehicle was repossessed. This Account should have been deleted after 7 years that is in XX/XX/XXXX. 
I have disputed this account with all XXXX credit bureaus and the Capital One Auto Finance but they are refusing to delete this account.Please delete this account ASAP.My cell phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (AZ).
Issue: Managing the loan or lease

Complaint: I purchased some furniture around XXXX of 2015 and it was financed by Synchrony Financial. Since the loan was taken out I have been making double payments to get the loan paid off. In XXXX my computer went down and while I was shopping for a new computer and setting it up I received a communication from Synchrony Bank which reflected a {$25.00} late charge because I had not made my payment by a certain date in XXXX. How can I be regarded as late when my payoff is ahead of the game. As soon as my computer was back online in XXXX I transferred the double payment for XXXX to Synchrony Financial via bank payment. I then contacted them by phone and the person I spoke to was very unwilling to reverse the late charge until I mentioned I was going to report the action to the FTC. I was then told I could request a waiver of the late charge which I asked her to do. I do not feel confident that this happened or will happen at this point because of the attitude of the telephone contact. I do not think it is right or legal for a company to charge a late payment charge when XXXX is ahead of the game on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Two fraudulent Hard Inquiries on my account.
The first one is from XXXX XXXX. It is showing up only on my XXXX credit report. It shows up as : XXXX on XXXX/XXXX/XXXX, I was alerted and called XXXX on XXXX and told them was not me and that I need the inquiry reversed. They said they would have the inquiry removed. It is now XX/XX/XXXX and it is still showing on my XXXX XXXX account. I spoke to XXXX XXXX agai, spoke with XXXX in their fraud department today, XX/XX/XXXX XXXX EST and they are again promising that they will remove the inquiry with 30-60 days. anything you can do to make sure they really do it would be appreciated. 
2nd one was on XX/XX/XXXX. It is only showing up on my Equifax report and it registered as XXXX. I called the number that was associated with this also on XX/XX/XXXX and again was assured the inquiry would be removed. It also has not been removed off my Equifax report. I have been told that the XXXX stands for XXXX XXXX XXXX someone was trying to open a credit card in my name at XXXX XXXX. They have my social security number and a prior address of mine. I have put a freeze on all credit bureaus because of this but need these hard inquiries removed from credit report. Thx

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with State Collection Service, Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This medical bill was paid to another collector and Ohio XXXX has been unable to provide an accurate statement that it is a valid charge. I told State Collector to return the collection to Ohio XXXX and they have not sent the disputed charge back to Ohio XXXX. It is not a valid collection and should be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Consumer Loan (Vehicle lease) with FORD MOTOR CREDIT CO. (PA).
Issue: Managing the loan or lease

Complaint: have XXXX leases with ford credit, my daughters car got parking tickets so the XXXX parking authority, sent letters to both myself, and ford. I paid the tickets, and so did ford. 
I sent Ford Credit, my invoices on my credit card showing that they were paid, but they have me owing this money, and have me with XXXX late payments on my lease, which I was not late..

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Struggling to pay mortgage

Complaint: XX/XX/XXXX informed my house note would increase i needed to paid XXXX toward my escrow.was not able to pay. XX/XX/XXXX I was notified that house noted would increase at time XXXX.XX/XX/XXXX XXXX I called US Bank and told them i would not be able to make those payments. XX/XX/XXXX I did pay XXXX and fell back on other bills in. In XX/XX/XXXX i was notified that Social Security was auditing my income would to change. US Bank and XXXX XXXX  company my loan application funds stating i made more money then i did and if i defaulted in the loan they would go after the Veteran affairs where I retired from, and at that time my income was workerscompensation and Social Security. and they want to keep it quiet by selling the house from under me. yes i need housing but not to live on a strict budget.I hired a mortgage company hoping not to be a victim. Because I am a victim of US BANK. My house was not built like the floor plan i had a XXXX Loan at the end of my loan i found it difficult to refinance. my house was priced to high. products used in my house were rejects. Social Security decreased from XXXX to XXXX until debt paid off. I am six months behind on note I am not a squatter. increased escrow due to taxes I was told this was my mortgage would not increase another lie. taxes went up so needed to increased mortgage.i do understand but on my part i called in XX/XX/XXXX trying to tell US Bank I was not going to be able to make payment.

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