milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2015 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I am looking to move into a new apartment and I wanted to make sure that my credit score was ok. I noticed that it was very low and then went to Experian.com and paid for a credit report because when it went to get a free credit report, it said I had already requested XXXX for the year. I paid {$21.00} for said report and noticed that I had a tax lien on my report, which was an error. I contacted New York State, which is where this tax lien originated from and they investigated and sent me a vacate notice in the mail. I contacted Experian and told them I am disputing this item and they said this dispute will ( not maybe or can or might or may ) be resolved within XXXX days. I called them back and asked if there was a way to expedite said dispute processing and they said if I make a copy of the vacate notice and upload it to them, the dispute would be resolved within 5 business days. I did this on Saturday, albeit with difficulties. I am a XXXX on large mainframe and pc networks. I made a black and white scanned tiff file, as per their website requirements. Each time I went to upload this file, their website stated that the file was in color. After XXXX hours of trying ( because of timeouts on their website and having too many re-tries ), I converted the tiff file to a pdf. I was then able to upload the file.I called this morning, XXXX XXXX, 2015 to inquire if they had even received my file upload and the person who I spoke to said that they can not see if the file was uploaded or not because that is taken care of by another department. I explained my difficulty in uploading the file and I wanted to be sure that the pdf file I uploaded on Saturday was successful and I asked to speak to that department which takes care of the file upload process. I was informed that I can not speak to them with no reason given. I was also told that the dispute " may '' be expedited but there is no way of knowing. I told him that the person who I spoke to previously, on Friday, was pretty definitive that if I scanned this document and uploaded it, my dispute would be expedited. I then asked to speak to a supervisor and was placed on hold. After the hold, I was told that the supervisor would not speak to me but if I provide a phone number, she may call me back. At this time, I ended the call. After looking at my bank statement I noticed I had been charged {$39.00} for Experian.com services. I remember that I clicked on a button which stated, click here if you want your credit score from other credit bureaus and I did. At no time was there an indication that I would be charged for this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12-04-2015 about Debt collection (Medical) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Insurance company paid the debt. I have not been without medical coverage for a very long time.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (VA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I received a refinance offer from Chase ( my current mortgage company ). It stated they would lower my interest from 4.75 to 3.75 and my APR would be 4.22. I called Chase and worked with XXXX XXXX. She was really nice and assuring and when I provided the offer number on the letter to her, he confirmed the rates and asked me if I wanted a 15 year or a 30 year refinance. I told her 30, because I 'd like a lower monthly payment. She pulled my credit and said my scores were great ; XXXX 's. I filled out all sorts of paper and sent her everything she required of me. Several weeks later I get a call from her telling me that the underwriter is requiring her to contact me and make a counter offer of a 20 year refinance. I 'm like .... I have 21.5 years to go on a 30 year loan. I want a longer loan, not a shorter one, so I can have a lower payment. She apologized and told me that this was the first time she 'd been required to do this and she would let the underwriter know that I wanted the 30 year refi. I get a call a day or so later from XXXX, telling me that I was n't approved for the 30 year, they could only do the 20 year. I told her the letter did not offer me a 20 year loan. It offered a 30 year. I never asked for a 20 year. She did n't seem to know why I was being denied and said well maybe it 's because your APR will be 4.55, and since it 's not dropping at least half a point, the underwriter decided not to approve. I said where did this 4.55 come from? You told me 3.75 interest and 4.22 APR. Would it be approved if you put down the APR that you told me it was going to be? She really did n't seem to know how to answer me. I told her I feel like I was tricked. Like they had tried to pull a bait and switch on me and I sent a message to their XXXX page advising them of what I had been put through. I was contacted by a nice lady name XXXX who seemed to know even less than XXXX, and she was n't able to help me either, nor give me any explanation as to what happened with my original loan offer. All I wanted was to refinance my loan and lower my monthly payment. All I got was a big waste of time and a lower credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Other transaction issues

Complaint: I tried to send money through Western Union, the money is on hold and they are giving me the run around and wont do anything to help resolve this issue. they have asked me several times about my identity and even ask me for a copy of my drivers license, which i have sent to them twice and still wont return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra Recovery v alidate the debt but to no avail. I have received threating phone calls from deb t collectors on my  job and afte r 9  at night. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I noticed my credit score had dropped significantly. I pulled up my Transunion credit report and noticed that an old item previously deleted in XX/XX/XXXX was put back on my credit report. I was never notified by Transunion and when I called they said the agency ( XXXX XXXX XXXX.a.k.a. XXXX  ) never certified it as true and accurate. Transunion never notified me it was put back on my report after 4 years. In XX/XX/XXXX report the deleted item was listed for {$190.00} and the original creditor listed as XXXX XXXX XXXX ( XXXX ) The XX/XX/XXXX collection agency was XXXX XXXX XXXX. ( XXXX  ). XXXX had said the amount as {$190.00}. That item was deleted from my credit report. 
Then In the XX/XX/XXXX Transunion reported a delinquent item was added to my report for {$190.00}, XXXX XXXX was listed as the original creditor with XXXX XXXX XXXX. ( XXXX ) the collection agency. I was told by XXXX  that the debt was actually for {$190.00} which is the same amount that I was told the debt was in XXXX and the original creditor was XXXX XXXX, the same as in XXXX. In XXXX the debt was in collection with XXXX XXXX XXXX. 
It is obvious that to sneak a deleted debt back on to a credit report, the creditor XXXX XXXX, tried to deceived by : 1 ) waiting 4 years, 2 ) falsifying the original creditor, 3 ) changing the amount of the debt and 4 ) changing collection agencies. All to avoid the certification and notice required by law. 
I have disputed this with Transunion. XXXX told me they sent the dispute to XXXX XXXX. But I was so appalled at the attempt at deception that I had to report this new tactic by a creditor to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
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: A number of months ago I paid off a {$11000.00} balance on my XXXX XXXX XXXX. Transunion never reported the payment on my credit report. I submitted a request to Transunion to inquire/correct the balance. Instead, Transunion improperly deleted the entire account, adversely affecting my credit history by deleting the longest open account. They told me to ask the creditor to report the account to them. I did that and was told it was reported to Transunion, but the account remains unlisted. 
Also, XXXX sold all of it 's XXXX credit card accounts to XXXX XXXX XXXX, transferring balances. ALL the credit reporting agencies incorrectly report account history starting from date account was transferred from XXXX to XXXX instead of from start of XXXX account. In my case, XXXX was opened in XX/XX/XXXX and XXXX replaced it in XX/XX/XXXX, incorrectly deleting 7 years of open account history and adversely affecting credit scores.

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 11-04-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Good morning, In XXXX 2014 I had a loan balance of {$40000.00} and payment of {$200.00} that qualified for the PSLF as I am a public service employee in a low income XXXX. I then went back to school and added {$18000.00} worth of loans to my balance. The loan servicing organization is how claiming my payment has to be at least $ XXXX to qualify for the PSLF. This does not make sense because my loan balance is only increased by 31 % so why does n't my payment correspond? I should be making a payment of no more than {$260.00}. I have told them I only have $ XXXX but I can scrape together the {$260.00} if I must. However, they are ignoring me and not helping me resolve this problem. They just keep insisting that I have to pay $ XXXX or I ca n't be on the PSLF. I believe they are doing this on purpose because they have realized I will have a large balance of my loans forgiven through the PSLF and they do n't want to lose that money. Additionally I have asked if I can just pay on one loan and defer the other one but still let it qualify for the PSLF but again they are ignoring me and not telling me if that is possible or how to do it. 

I am at a loss here. I want to pay my loans but I only have $ XXXX and they say if I only pay that much I will default. I do n't know what to do. Can you please help me? I do n't want to default but I do n't have any more money and I need to be part of the PSLF. 

Please help if you can. 

Thank you! 
XXXX XXXX P.S. I have documentation of all of my correspondence with PHEAA and the Ombudsman but it is A LOT!!! I attached a summary but if there is anything else you need I do have it, just let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Credit card () with U.S. BANCORP (AZ).
Issue: Credit determination

Complaint: I applied for a XXXX Credit Card with US Bank with a FICO score of XXXX and wasrejected and I have been treated very unfairly by the bank..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (Other debt) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Upon reviewing my recent credit report, I noticed that I had several collection accounts outstanding with Navy Federal Credit Union. I 've contacted NFCU on 2 separate occasions trying to verify the accuracy of the information provided by them on my consumer credit reports as being owed by me. I have not received any response to my goodwill letters and no action has ben taken to resolve the issues. The first goodwill letter was sent out and received by NFCU on XX/XX/XXXX the second was sent out and received XX/XX/XXXX. Please see attached for account numbers and balances

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: According to the XXXX website, my information was compromised in their security breach. To me, it is astounding that a company with SO MUCH personal information could allow their security to be so lax. They are offering protection software, but 1 - I do n't want to waive my right to sue them or be a part of a possible class action lawsuit, and 2 - why would I trust them to 'protect ' my identity when it was their deficient security that caused this problem in the first place? I WILL NOT be enrolling in their security protections offerings.
As for this particular incident, it is " too little, too late ''. My information was most likely hacked, and these hackers probably have my social security number, which is MY ONLY FORM OF NATIONAL IDENTITY IN THIS COUNTRY. It 's not like Americans have a national picture ID or national ID number that we can rely on.
I have pulled my credit report from XXXX XXXX. I was unable to receive my credit report online from XXXX and Experian from the XXXX  because the XXXX page froze when trying to access my credit report, so I will be submitting an application by mail. I have also put a temporary fraud alert on my account through XXXX XXXX as I was unable to do so from the Experian website and I do n't trust XXXX  with anything right now. I will be monitoring my credit closely.

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 06/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Diagnosed with XXXX. Was placed on medical leave for XXXX., Unable to work consisted. Also please remove all discharged accounts from 2006 BK. Remove all duplicate accounts. Also Fraud investigation. XXXX, XXXX, AND ALL ACCOUNTS TO BE REVIEWED ANS REMOVED TIL INVESTIGATION IS DONE, OVER!! THANKS ... all documents are with attorney.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (OK).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: An order was placed with XXXX XXXX XXXX on XX/XX/XXXX but never received. I called to see why it hadnt shipped and the XXXX XXXX XXXX  representative said they werent going to be able to fill the order until they didnt know when, so I cancelled the order over the phone. This was done on XX/XX/XXXX. The order had been paid for with the XXXX XXXX XXXX store credit card. 

I called the company XXXX XXXX XXXX a week later since I still had not received the credit card credit. They told me then that they had 5-7 days to refund the charge and that hadnt expired yet. So I called again when the time was up and they again said it would be 5-7 days. I then called the credit card company ( XXXX XXXX XXXX  credit card ) and they said they would put in a claim to have the charge refunded. No documentation was received and no record of a claim being made to refund the card exists. 

I called again in 5-7 days to XXXX XXXX XXXX company and this time they gave me a case number. When that 5-7 days expired on XXXX XXXX, I called again and they said someone would contact me in 1-2 days. That expired XXXX XXXX and I have not called again. The credit card company for the XXXX XXXX XXXX credit card still has not refunded the money nor have they attempted to contact me about the refund. This is extremely frustrating as the card balance was required to be paid without incurring late fees and has been paid, even though the refund was due nearly 2 months ago!!!!

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 08-08-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a Bank of America first mortgage and I have been trying to refinance my first mortgage. 

Once the refinance process was started and title work was initiated it was discovered that there was a lien on my property as a second note.. Bank of America did do a modification to my loan in 2013 in which the payment and terms were adjusted. During the negotiation of the modification Bank of America never stated that they would be placing a new/2nd lien on my property. 
I have spent over eight months trying to identify who owns & services this lien and how I can achieve a payoff. I have contacted Bank of America, HUD and FHA on numerous occasions and none of them will take ownership of this second lien. Bank of America has told me numerous times that they do not own the lien and do not know anything about it. HUD and FHA have both told me several times that they are not servicer 's of loans and do not hold notes. 
So at this point I am very frustrated with Bank of America, HUD and FHA because I can not get any answers on this lien on my property. If no one owns this second then how and why is showing on my title??? 
With this Phantom lien on my property I am not able to refinance my mortgage nor would I be able to sell my home if I wanted to or had to. I am stuck and feel scammed.

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 01/29/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: I Wired {$100000.00} from my XXXX  XXXX XXXX account to Coinbase account on XX/XX/. I confirmed with XXXX that the wire was sent out successfully, and with Coinbase 's bank ( XXXX XXXX XXXX ) that the money was posted to Coinbase account onXX/XX/XXXX. However, my Coinbase account still isn't updated with the amount. 

I sent numerous requests ( 10 times ) for a followup, but only have received a standard/automated responses with no detail of what's happening. The money has been missing for over 19 days, and I have no idea if Coinbase is doing anything about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Payday loan debt) with Check Security Associates, LLC (IN).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: XX/XX/XXXX I have received phone calls at work and on my mobile phone regarding a debt that is owed by alleged law firm. I have been harassed repeatedly. They have threatened legal action, and to serve me papers at my place of employment. Also, I have been left messages saying that they have contact the HR department as well. The debt is allegedly for {$100.00}. From my understanding, if a company has written off a debt and sold the debt to a third party, the individual is no longer responsible for the debt. According to the person who called, XXXX, this is from a debt that occurred in XX/XX/XXXX. The action I want taken is for them to stop calling my place of employment threatening to fax sensitive information. I have never received any correspondence in the mail or via email. I would rather see something in writing before giving sensitive information to someone over the phone. I have also been threatened with jail time as well, the individual I spoke with that day was XXXX. This happened in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I have contacted them trying to get information on this debt, I was given the information and after contacting them they have continuously called me to try and attempt to collect this debt ... XXXXthey call and tell me that I will pay either way if they have to deduct from my checks or sue me ... has also been told that I will be arrested and brought to court by a lawyer ... .soon after that I stop answering the phone when they call. I do n't believe that I owe this amount I have also asked them to send me the information in the mail and has yet to receive that info.

Company response to consumer: Closed with explanation