milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Mortgage (Conventional home mortgage) with RoundPoint Mortgage Servicing Corporation (FL).
Issue: Trouble during payment process

Complaint: According to the mortgage company they claim we have lapse in our hazard insurance policy and is not true I conctact my insurance company and spoke to them they said we was fully insurance the entire year nd they send me my declaration page I been insurance with this company for 3 years and the mortgage company claim that we had a lapse an claim that we paid them  XXXX  or they will make foreclosure on my property I send proof before and they stop harrasing me and know they start again here the evidence again please help me with this situation and do not altered the terms of my loan

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 10/31/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Applied for loan to attend XXXX XXXX. Had to withdraw because of son 's illness. After showing documentation was assured loan would be forgiven. Has not happened and school has recently gone out of business.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Debt collection (Medical) with HOVG, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I entered into a mutually agreed upon payment arrangement with XXXX XXXX XXXX and made several timely payments as agreed. In XXXX I made a payment to a representative over the telephone which was a few days past my due date so I called to make the payment personally. He told me no problem assured me the payment was applied and not to worry the payment arrangement is not affected pmnt went through. My account was sold to collection company Bay Area credit 1 week later and I was contacted by phone and bullied to enter the same arrangement with them. They assured me if I continued to pay as agreed on auto by from my checking account The collection would not be reported on my credit report so I did. They began taking different small amounts out the day before the agreed date in their name {$5.00} then the pmnt amount the next day from a trust account name? The the statements I received started reflecting the balance growing not declining o called to complain many times their story always changing. After making 4 or 5 payments on time by auto pay so they could not be late the reported to credit report anyway costing me valuable points and going against their word. However the original debtor should not have been allowed to give to collection in the first place and I believe it is a violation of law and the collection company should be fired and the original debtor also for a violation of fair debt collection and my debt cancelled as I have paid by now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with Alliant Capital Management LLC (CA).
Issue: Struggling to pay your loan

Complaint: XX/2016 took a XXXX dollar loan toake ends meet, and they want XXXX dollars by weekly and the interest is through the roof they are saying I owe them XXXX plus late fees etc now they are saying their taking me to court and garnish my wages 45 %

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Credit reporting () with SYNCHRONY FINANCIAL (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had an amazon credit account that is derogatory on my credit reports I was told when I paid the account off it would be removed from my credit reports

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 01-09-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (NJ).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX my friend had attempted to send {$1600.00} to my Coinbase account from XXXX Bank in XXXX. Because the name on the bank account and my Coinbase account did n't match, the wire was reversed. That same day I received an email from Coinbase notifying me of this issue and informing me that the money had been sent back to XXXX XXXX. Today it is XX/XX/XXXX and the money has still not been received by XXXX XXXX. I have attempted to reach out to Coinbase regarding this issue a few times and have not received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Debt collection (I do not know) with High Point Asset Inc (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company called my wife and I several times with a recorder message saying I was a person of interest and that we or our legal representative should call back to make a statement. Not sure what this means bet they called with XXXX different XXXX area code # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: On Sunday XX/XX/XXXX XXXX XXXX informed me that a new account had been opened under my name. On Monday XX/XX/XXXX I received a BP Visa Card in the mail. On Monday XX/XX/XXXX I filed a dispute with XXXX XXXX. On Tuesday XX/XX/XXXX I received a letter from SYNCHRONY Bank asking for confirmation that I had opened a BP Visa account. On Wednesday XX/XX/XXXX I called the Bank and they opened a fraud account, they closed the account and said that they would sent notification to the credit rating companies.

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 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (CO).
Issue: Confusing or missing disclosures

Complaint: On XX/XX/XXXX, Experian charged my card for {$4.00} for a free credit report. I did not authorize the {$4.00} charge since it was a free report. Then on XX/XX/XXXX, I was notified by my credit card that I had a pending charge of {$19.00} for a service I never authorized nor did I sign up for said service. I proceeded to call Experian and was on hold for 2 hours before a service representative, who could not speak clear English, answered my call. This is a complete XXXX scheme that Experian is running. They entice people through email to try a free service and then silently and through very deceptive tactic sign people up for a service they don't want. They will say you signed up. They manipulated the placement of such a deceptive tactic and many consumers are duped into signing up and not even realize it. In addition, I received an email from Experian on XX/XX/XXXX, that I click on and low an behold the next day I had a pending charge of {$19.00}. Very effective strategy for a company running a massive XX/XX/XXXXscheme. I guarantee if this happened to me there are millions of consumers having their money swept from their credit card accounts and bank account on a monthly basis. If 1 million consumers are deceived that is {>= $1,000,000} per month going to a company for a bogus service. This has the making of a class action law suite in line with the XXXX XXXX scam.

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 06/26/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Have not received no information regarding this

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I obtained a loan from citibank. Without informing me, Citibank sold off half of my loan to XXXX student loans. This has caused a lot of confusion regarding what I owe, and what my minimum payments should be. The minimum payments and interest rates seem to differ between both citibank and 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 10-05-2015 about Credit card () with U.S. BANCORP (IN).
Issue: Billing disputes

Complaint: I have a payment plan with Associated Bank aka Elan financial on a credit card I was behind on over 2 yrs ago. Set up XXXX a month auto deducted from checking. Have been paying for over 2 yrs. They have put 30 day late payments with all XXXX credit bureaus for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 XXXX 2015, XXXX 2015 even though XXXX is auto deducted from my checking monthly. I have contacted them. They refuse to delete. I sent them copies of my checking where this is being deducted. They still refused. I notified XXXX, they still refused to take care of this. I disputed with XXXX and XXXX ... .and Associated/ Elan told them the lates are correct even with copies of my checking where this is deducted. I need these lates removed immediately. It is hurting my credit score. I need this removed from all XXXX credit reports. They are reporting to each c bureau that I have been 30 days late for these months and then at the bottom it shows XXXX a month payments for these months. I am trying to purchase a car. Thank you for your help. 
XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Debt collection (Medical) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX, XXXX XXXX whose phone # is XXXX reported my name to the credit bureau for {$260.00} for failure to pay him. The child was covered under medicaid and they refused to bill medicaid for services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Medical) with American Accounts & Advisers Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft. I do not owe a debt to American Accounts Advisors. I have repeatedly received phone calls from debt collectors from American Accounts Advisors who has harassed, verbally abused and threaten me with arrest and wage garnishment. American Accounts Advisors in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Student loan (Federal student loan servicing) with ACS Education Services (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: This is very simple. My payments were set to draw every  XXXX  of the month -- been paying it on time every month for about 7 years. My wife and I decided that we were finally in a position to get aggressive paying off our loans. The one problem we had was that payments were drawn on the  XXXX ,  XXXX , and  XXXX  of each month. I realized we had a chance to pay off in full everything on the  XXXX  and then if we could move the  XXXX  payment to the  XXXX  or  XXXX  -- all ACS loans -- we would know how much surplus we had each month and would make additional payments simpler for us to make. So I first called all  XXXX  of our credit card providers to synchronize those payments to the  XXXX  week of the month. No problem, this was easily completed in less than  XXXX  hour. Then I called ACS in early   XXXX   XXXX   They said on the phone the  XXXX  or  XXXX  were simply NOT options. The best they could do was the  XXXX . But I had to send them a email, they simply could NOT start the change based on my phone call to them. Ok, I complied. Their bounce back email said a response said : " We will respond to your message in  XXXX  -  XXXX  business days ''. This statement is false. Probably a delay tactic by ACS. I waited for over a week before they replied on the  XXXX  of  XXXX  that they had to wait until the  XXXX  payment processed and then they would " ask '' the lender if it was possible. I do n't understand how I can make every payment on time, even at times when my wife and I were actually losing money month over month and then make a very simple request and yet get treated so terribly. If they ca n't do it, fine -- tell me that when I call in!!  ACS  is a deplorable institution engaged in fraud and deceit and they should be held accountable, as I would be if I failed to make those monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (I do not know) with Credit Systems International, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CREDIT SYSTEMS INTL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CREDIT SYSTEMS INTL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Dates - every month I have only received about 4 paper correspondences in almost 3 years with this company. I have never received the card itself and have given them the correct address multiple times. They have closed my account without my permission 3 times. They charge XXXX dollar late fees each month even though they have not sent me a bill or the card. They harass me by calling 3 to 4 times an hour if the payment is late due to then never sending a bill. I have tried to enroll in auto pay 3 times over the last 3 months and it has not gone through. I also enrolled in paperless billing in XXXX hoping I might receive an emailed statement to no avail. It is of my opinion that this company purposefully neglects their end of the consumer/creditor responsibilities in order to charge ridiculous late fees and harass their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Payday loan, title loan, or personal loan (Installment loan) with 1st Franklin Financial Corporation (GA).
Issue: Problem with additional add-on products or services

Complaint: On XXXX I got a loan for {$1000.00}. On XXXX I had two XXXX a XXXX, and XXXX XXXX. I had someone make 8 payments for me. Since then the have reported to the Credit Bureaus that I owe {$1600.00}. Also, they filed courts papers with my personal information which includes part of my social security number, date of birth. I reviewed the file at the courthouse, and there seems to be Fraud. First of all, I did not use my vehicle for colateral, nor did I sign to have insurance, or Road side assistance, for my vehicle. I noticed a Man by my Jeep when I was inside, I believe he got my VIN number, and then he came back inside the office. I have a lien on my vehicle already, so why would I do that. Second, the personal property they have in the court they listed are fraud, and so is my Signature is Fraud. I did not sign for such a deal!! Restitution need to be enforced, in the amount of {$25000.00}.

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 Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (ID).
Issue: Other transaction problem

Complaint: I purchased XXXX XXXX total of XXXX dollars purchased from coinbase when XXXX was at XXXX dollars on Saturday got the purchase successful message and was expecting the coins to be deposited as was shown on successful message. Coins never showed up in wallet or account. Now going value for XXXX  is XXXX dollars and I am missing the XXXX coins I purchased and the profits from the growth in value. I am very unhappy that there are no people to talk to at coinbase and they have yet to deposit the XXXX XXXX I purchased as well as as the fact that I am losing profits from the investment I purchased on Saturday. The resolution I want is for them to deposit the XXXX XXXX I purchased immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are XXXX accounts from XXXX XXXX XXXX that are reporting inaccurately onto my file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ... I have disputed them numerous times with the agency and they refuse to correct the inaccuracies and verify the items correctly. I have asked them to delete them since they remain incorrect and they refuse to speak with me to do so. I have repeatedly asked for them to provide me proof of verification, evidence of their investigation, reference numbers or absolutely anything and they do not show me or tell me anything. I have contacted XXXX XXXX XXXX regarding these XXXX accounts and they have repeatedly told me that no one has called or conducted any type of investigation from any of the credit reporting agencies. I am concerned as to why these accounts are allowed to remain falsely reported on my file. I will complain until this is properly removed! These accounts are hurting me and contain false dates, payment histories, balances and status.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: ALL CREDIT AGENCIES LISTED ACCOUNTS NOT MINES AND OUTDATED REPORTING WITH CONTINUE TO REFRESH DATA ... REMOVE ALL FROM FILE ASAP ... '' PUBLIC RECORDS/ BK CH XXXX, XXXX XXXX, XXXX, XXXX , XXXX, XXXX ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Mortgage (VA mortgage) with NAVY FEDERAL CREDIT UNION (AZ).
Issue: Application, originator, mortgage broker

Complaint: State of Arizona sold a house through Navy Federal Credit Union and Veterans Administration ( NFCU/VA ) in XX/XX/XXXX. State of Arizona failed to disclose XXXX in the running water until 2 days after closing. VA " guarantee '' was paid {$7400.00} of my money by NFCU for mortgage insurance " funding fee. '' Witch should have been waived because of my XXXX. Law suit was filed in the Superior Court of Arizona on XX/XX/XXXX case number XXXX XXXX & XXXX. They broke the LAW, and then run to alter their policy to try to cover for their lawlessness. NFCU whom I made this deal with, refuses to work towards a resolution, projecting their responsibility over to the State of Arizona and VA. VA is no help. NONE. The {$7400.00} given over to them was for their own enrichment, and to disadvantage me. NOW, NFCU & State of Arizona are lying again regarding an unlawful " auction '' which they say took place on XX/XX/XXXX, using " Commercial Lease '' property law, to bypass foreclosure law, and attempt to enforce a 5 day eviction notice. THE LAW IS NOT DEAD! ARE THE AMERICAN PEOPLE? If " We The People '' DO NOT STAND AGAINST SUCH TYRANNY, WE SHALL BE OVERCOME!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX reports to credit report that the amount written off as {$6000.00}. The ending principal balance after accounting for all fees was {$5400.00}. I have attached XXXX 's payment history as verification of the discrepancy as well as how it appears on my credit report. I also attached a copy of a letter they recently provided me that said the blance should have been {$7000.00}. There are so many discrepancies with this account. The information XXXX is reporting there is no way it can be correct as they have sent me different letters stating different things, and none of it matches. There is not one item that matches on the explination of fees page with the transaction history or my credit report. This account must be removed as it is not 100 % accurate, and I'm not even sure we can trust thier validation of anything, since they cant even decide what the balance was or should be at the time of charge off.

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (MD).
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: On  XX/XX/XXXX , I sent a letter to Navient regarding the late payments that they are reporting for my student loans. In this letter I requested documentation that would prove that my loans were not in forebearance during that time, and as of  XX/XX/XXXX  I have not gotten a response from Navient regarding this matter.
On  XX/XX/XXXX , I submitted an online dispute with  XXXX ,  XXXX , and  XXXX  regarding the inaccuracy of late payments to Navient in  XXXX  and the status was not changed.
The second online dispute with the  XXXX  credit reporting agencies was submitted in  XX/XX/XXXX .
On  XX/XX/XXXX , I submitted yet another online dispute regarding this same matter, and have yet to get any type of response from NAVIENT.
If they ca n't furnish documentation that states that I was indeed late on payments then I feel that the reporting should be updated to current for the duration of the loan origination.
Thank you in advance for helping me in this matter.
  XXXX   XXXX

Company response to consumer: Closed with explanation