milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: An account was opened and closed the same day with Barclays Bank XXXX. But an order for an XXXX computer went through the next day. The company sent the bill to the wrong address, the unlisted/unregistered house address instead of the XXXX. XXXX given. They started calling my work so much that the secretary said stop calling. She later notified me and I checked my credit report. It was on there as a negative late. I called and they argued asking if I purchased the computer. When I demanded they remove the late for or I would not pay, they said no problem. I asked for a letter payment date because of my job, the XXXX and they said okay. The next month the late fee was still there. I called. They said they changed it but I had to file a complaint with the credit reporting agencys and they would remove it. It was just a ploy to get me to admit to having purchased the product. I filed but then my mortgage broker said remove the dispute. So I did to find another late on the credit report. I called them and again they said they had removed it and the fees. They did remove the fees to my account but Only one late mark on my credit report! One late mark remains even though they credited my account and said they would fix it all. I have spoke with several representatives, the last was XXXX, who all but one stated they had been and would remove the late marks, it just takes time for the credit bearues to update the information. Yet, they still have not been removed. I recently resubmitted as XXXX stayed to do so that it would be sure to come off and be updated. 
Yet, the results were verified and updated, which is not removed. They also lowered my XXXX account with them due to the credit score changed by them. It is the only late mark on my 25+ years in the system! Honestly, the worst company I have ever dealt with in my life. They are crooks that will weasel every dollar!

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 09/29/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a mortgage loan modification with SLS, LLC. The process began over a year ago. After countless phone calls, mails and faxing of my personal information they finally approved a loan modification that was reasonable and i was able to pay it on time. They entered me into a Trial Payment program. I paid it on time every month. I was out of town when SLS, LLC claimed they mailed me some documents that i needed to sign to finalize the loan modification. I never received them, i was n't aware of such documents they did n't call me or mailed me a second notice at all. They did call me about a month ago to tell me that I no longer qualify for the loan modification program because they did n't receive the documents they claimed were mailed to me. I explained to them that I did n't receive them, i searched everywhere in my house, even went to the post office to make sure they did n't have any mail for me. I asked them to please resend the documents and i will sign them and send them back thru certified mail. The representative from SLS was very rude to me and she stated that i no longer qualify for anything at all, and that no one can help me with this and that they are going to proceed with a foreclosure on my house. She said you can fill out another request for a loan modification but that, I will be wasting my time because, I do not qualify for anything. Things happen, mail can get lost, I do n't understand why they refuse to help me, nor understand that the mail could have gotten lost. I have made and continue to make my new modified mortgage payments every month. It makes no sense that they are not willing to help me they rather take my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: In addition to contacting me after being notified to cease and desist communication, XXXX XXXX XXXX through their alleged agent SouthWest Credit contacted my cell phone on several occasion. XXXX XXXX XXXX has never had authorization to contact me on my cell phone. 
Additionally, this debt was disputed in XXXX of 2015. IN response, the previous agent for XXXX XXXX XXXX sent a few bills, but did not send the requested phone logs which will confirm cancellation of this account prior to the additional bills which were not authorized. 
Furthermore, in XXXX, 2015 in response to a new validation of debt letter sent by SouthWest Credit, no documents were sent and Southwest credit has unlawfully reported mt to the credit bureau in violation of the FDCPA. At this time I am in the process of purchasing a house and this defamation and slander of my credit will certainly adversely affect my ability to do so. If I actually owed the {$280.00} they are alleging, I would pay it instead of going down this route.

Company response to consumer: Closed
Consumer complaint received 08-12-2015 about Payday loan () with CHECK INTO CASH INC. (AZ).
Issue: Charged bank acct wrong day or amt

Complaint: check for {$500.00} but took half instead. I was w/ us bank. I now have XXXX XXXX paralegal XXXX calling form XXXX. XXXX XXXX attempted to contact me for the first time XXXX/XXXX/15. also proceeded to contact my father. released confidential/personal info. telling him a warrant would be issued for my as well as a felony on my record. same day also contacted my XXXX brothers. I attempted to set pmt arrngmnts as was told by XXXX representatives from walker I was non-compliant and foewarding to a judge. my XXXX hung up on 2 times before I was able to get him to transfer me to his manager who also stated I was non-compliant. adv her Arizona is a community property state my wife should have been primary contact. instead private info released, threatening acusations, illegitimate & down right harassing business practices I would request u look into company to make sure other are not having to deal with this kind on treatment..

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I first got this loan in XX/XX/XXXX when I first attended XXXX University. XX/XX/XXXX I could not afford to attend the school any longer for how expensive it was. I got the loan through XXXX XXXX who is Navient and could only get approved if I had a co-signer. I had to put the account in forbearance because of payment to high. I had to do a deferment because of the payment to high. Once I was able to finally make a payment that fit into our budget each month and came out of our account directly they went and up the amount AGAIN without any notice and no negotiation whatsoever. They would always say, 'well can your co-signed pay it. ' My co-signer being my father is unable to pay anything because he was force to quit his job to an injury that made it impossible for him to work indefinitely. They do n't care about that. So they put a lean on his house. Then my mother passed away and that made matters even worse. They still do n't care about that. Low and behold they canceled my repayment plan I had going for a couple years and upped my amount once again without notice that is literally almost impossible to pay. They said there is no way out of this one and I have to pay it or they will start garnishing wages and start to take personal belongings from my father as collateral. So I have literally not paid other bills so I can make sure this one is paid each month. Not to mention that I am married with XXXX children under the age of XXXX on one income. Again, they do n't care. This loan is literally the thorn in our flesh everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I received an online statement which said my payment was due XX/XX/2017. However went on line to make payment and they wanted my checking account number which i did not want to give so I went to Old Navy to pay bill. They stated that I could only pay on line with my checking acct # or by phone. When I called the phone # they stated my bill was XXXX which was a XXXX late fee. That is outrageous. I went on line today and gave my checking account # and paid XXXX which was the amount of my bill. that XXXX fee is outrageous. I also want to cancel my card. There is no option to do that.

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 02-04-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: Hi, My name is XXXX XXXX. The related company is coinbase. My issue is that I am unable to withdraw USD back into my bank account from my Coinbase wallet. The reason being is I do not have an SSN so I can not verify my account. However, the coinbase didn't require my SSN before I wired money into my account. I'm a XXXX XXXX in XXXX, XXXX and I don't have ssn, but I have verified my driver license. This is so serious because I just wired XXXX dollars into my usd wallet. The following are my case numbers : XXXX, XXXX. The case has been escalated and I was told that I will be approached by a specialist. However, it has been weeks and there has been zero response. Thank you so much for your time. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Mortgage) with Ballato Law Firm, P.C. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had my house foreclosed on XX/XX/XXXX for {$78000.00} and sold for {$38000.00} which left a balance of XXXX. I recently received a letter from a debt collector for {$56000.00} with daily interest of {$7.00} on remaining balance which the letter was delivered XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: The loan was sold. The servicer was XXXX XXXX, but they sold the loan. In the process I was not notified properly and payments to not make it to XXXX. Have disputed multiple times with no result. Loan payments were made immediately when this was brought to my attention.

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 07/17/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company NAVIENT ( XXXX ) called my part time job and upset my XXXX by saying that I MUST call them today. I am an XXXX XXXX there at XXXX XXXX College and otherwise retired. I have n't worked there since XXXX 2016 because my wife is very sick she is waiting for a XXXX XXXX. At my home we only answer the phone expecting to hear from the XXXX XXXX XXXX. So it was equally disturbing for someone from the College to call telling me at home to tell me that someone from NAVIENT a XXXX XXXX I do n't recall the last name, saying I had to call them TODAY. I have told them many times to stop calling so I hereby file this complaint in the hopes that your agency can help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Hello, Every so often my mortgage seems to increase significantly between $ XXXX and I am now retired and my husband is on Social Security XXXX. We XXXX are on a fixed income every month. I am also taking care of my elderly mother ( XXXX XXXX XXXX ) who has to live with me due to her medical conditions. With the sudden increase in monthly mortgage payments ( from {$1500.00} to {$1800.00} ) we are unable to keep up with the mortgage with Wells Fargo and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On X/XX/2017 I emailed a letter to equifax along with the various other reporting. Equifax is the one agency in particular I am having the problem with. I have only recently received an email response from them. The email sends me to a website to but I ca n't access anything on it because the page is an error page. I have tried called Equifax and they just seem to want to run around in circles.
The problem I am having is on my credit report Equifax has mixed up my information and my sisters. They ca n't seem to separate the two of us. They ask me to verify her information but I ca n't its not mine to verify. My sister 's name and social security number and her loans are listed on my credit report. She recently finished a XXXX which shows up with all of her loans on my account. Once I realized this problem. I contacted each loaning agency. I called to verify with each account that I was not listed as a holder of that account by my social security number and name or as a co-signer for my sister. Each vendor verifed this information but Equifax does n't seem to be able to make these changes. They are acting like a dishonest and lazy company.
All companies and the specific issues on my credit report are listed on the credit report and the letter submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: CITI closed my new XXXX Card credit card without prior warning. The account was in good standing, never a late payment and a low balance. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.

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 01-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: PREVIOUSLY DISPUTED AN ACCOUNT ( XXXX XXXX ) ON MY CREDIT BUREAU. THE ACCOUNT WAS REMOVED FOR ABOUT 3 MONTHS. AS OF XX/XX/2016 THE ACCOUNT IS BACK ON MY CREDIT REPORT WITHOUT BEING GIVEN NOTICE OF INFORMATION BEING REINSERTED. I AM NOT ASKING FOR A REINVESTIGATION.

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 01/25/2017 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax shows XXXX/XXXX as an open collection, in partial pay agreement, as of XXXX/XXXX/XXXX. The dispute was initiated XXXX/XXXX/XXXX. Account was paid. Equifax reports there was no response for the investigation. They are still reporting it as open as open and unpaid. I wrote a letter, with a copy of the receipt. there still has be no change. I called to complain. They opened up another complaint, and closed it 3 hours later. The emailed the result : no change. Collections accounts can cause me to be terminated. I am a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: I am one of the 143M Americans whose credit information was compromised by the recent XXXX data breach. I have worked many hours to try to understand and respond to the situation, and I am still not out of the woods. It appears the most complete level of protection for my information is a security freeze, which will cost {$10.00} in my state, Texas. Though I may get it free from XXXX, who has announced no-charge freezes and thaws for a few weeks, for those whose information has been accessed. ( I do n't know yet if this applies to me, whose information " may have been '' exposed in this breach, as expressed in their web tool in which I entered the last 6 digits of my SSN- how come they ca n't just say yes or no?? ). I would strongly suggest that ALL credit reporting agencies offer free freezes and thaws upon request from any customer ( with appropriate ID verification ). Forever. And that they notify us any time that anyone has requested our information. These agencies are making money on OUR information, and I do n't recall giving them the OK to share that. If that 's what they do, they should be totally accountable for the safety and privacy of that information. 
At this time I do not think anyone has committed any fraud against me, but the danger is clear. I believe any credit reporting agency, business operation or bank which uses people 's SSN 's and financial information must be held totally responsibly for any losses the person sustains.

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 04-12-2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt was paid in full XX/XX/XXXX. ( I have receipt and canceled checks ) Was called and ask to pay XX/XX/XXXX I explained the debt was paid. Told debt is cleared. Contacted again XX/XX/XXXX, explained debt was cleared. I was told is was a mistake after I explained and I would not be contacted again. But 2 times after pay off debt???? Something is wrong.

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

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX Account # XXXX No contract and no signature

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 01/31/2017 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: I have a Chevron/Synchrony Bank credit card. I had auto-pay set up to pay the minimum each month, so that I would n't be late on any payments. XX/XX/2016, I closed the bank account which used to make payments. I logged into my Synchrony account, and updated my payment information to my current bank account, and paid the existing balance on the account, which cleared my bank on XX/XX/2016. 
Today, I received a letter from Synchrony Bank notifying me that they were closing my account due to " a number of dishonored payments. '' I called Synchrony Bank, and they told me that they had tried to make the minimum monthly auto-payments from my old bank account, but that they were returned. These returned payments began XX/XX/2016. 

This is the first notification I have received from them regarding any dishonored payments. I was not notified that there was a problem. If I had known this when it first started, I would have taken care of it immediately. 

I am not really concerned with continuing to use my Chevron credit card. But I am concerned with how this closed account will affect my credit score.

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 10/21/2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (FL).
Issue: Closing on a mortgage

Complaint: on
XX/XX/XXXX I did sold a property with a pay off with CitiMortgage, after that closing on October the 2nd, CitiMortgage has charge me the monthly payment. I did Call the same day the person that respond to me said that was an error on there system but in 72 hours I will get me money back after the 72 hour I did call and get the surprise that will be together with the refund on the escrow account today after all this days struggling since that I have to aid other expenses I have not receive my money back.
If the mortgage is pay off way their system accept a new payment that was suppose to be refusing the service.
I did call the representative toll me that I have to wait 6 to 8 weeks to receive my money back.
My response was so is ok for the bank to get the person monies and pay back when they want but if the person is delay they charge you penalties and report to your credit.
The system is complete crocked companies and banks has all the power so we are trap on there white hand robbery

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