milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: For the past few months i 've been trying to submit a dispute to the credit bureaus about an account on my credit report. The account is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. This is reporting as a bankruptcy. Now i can admit that i did in fact start the process of filing bankruptcy but i never went through with it, I have the paperworkk to prove that. For some strange reason the credit bureaus are still VERIFYING this account when i KNOW for a fact i have NEVER filed bankruptcy. How is that even possible? Can they do that? Is that legal?

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 01-05-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: My Coinbase account is restricted due to an error. It says I 'm living in a prohibited country, but I 'm not. I have around 50.000 on my Coinbase account and right now I do n't have access to it. 

I contacted Coinbase so many times without any result. I got them on the line 1 time and they opened a ticket for me to solve the issue. the ticket was created on XXXX/XXXX/2017 with  number XXXX But still no answer. 

I really need access to my money. Even if they do n't open my account, I would like to have a refund of my money on my account and my coins should be send to my wallet. 

I hope you can help me with this issue. I ca n't sleep for days because of this. This was my whole life savings. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I changed my insurance on XXXX XXXX. They failed to recompute the escrow in a timely fashion. They also paid both insurance companies. I sent both the principle and interest and the money they told me I needed to replenish escrow. They made several other errors/slow calculations/mishandling of escrow funds that took over month to straighten out. Even though I had sent them more than enough money to cover my principle/interest and escrow, the reported me to the credit reporting agencies as having a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have a debit card with my Bank of America bank account. 

On the XX/XX/XXXX, I was charged {$35.00} for a merchant called XXXX. Clearly, this seemed to be the dating website XXXX which I do not use, let alone pay for. I called the bank to dispute this and they said they will do so, but more than a month since then the charge has remained on my account. 

I cancelled my old debit card and received a new one with a new number. However, on the XX/XX/XXXX, I was again charged by the same merchant {$35.00} for a " RECURRING '' charge. 

I tried to call BoA but was constantly put on endless holds. I wish this can be resolved and prevented in the future. As a XXXX with limited amounts of money ( that I earn from campus jobs ), {$70.00} is half a week 's work.

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 01/22/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: the amount owed on my credit report is not correct. the amount shown owed is {$160000.00} on a rental property I have asked to have this amount adjusted by XXXX XXXX but they have refused. to my knowledge I owed 1 to 2 months rent which should be equaled to about {$1600.00}.

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 non-monetary relief
Consumer complaint received 01-09-2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Midland funding llc filed a complaint against me in XXXX Magistrate court court in XXXX county south Carolina. I followed civil rules of procedure in which I had 30 days to answer ( served on XX/XX/XXXX ). According to civil rules of procedure I had 30 days in which to answer excluding the date of service, weekends and holidays. I filed an answer Today on XX/XX/XXXX in answer citing the CFPB consent order in which they violated the order. The magistrate court of XXXX XXXX refused my answer stating that I only had 30 days which included weekends and holidays. XXXX XXXX used the robo signed affidavit of account, attached a validation of debt letter directly to the complaint, never sent it to me to deceive the court that one was sent. XXXX XXXX did not have ANY account level documentation to prove a debt. XXXX XXXX violated the consent order and used everything that was prohibited including XXXX, FDCPA, Fair Credit reporting ACT, Abuse of process collected a default in excess, escalated fees. XXXX XXXX was the Law firm formerly XXXX. I do not owe them. XXXX XXXX is still filing these deceptive complaints ignoring the consent order and making a laughing stock out of the CFPB. I will send you a copy of the complaint and my answer.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Company ( Equifax ) experienced massive security breach due to improper security measures resulting in my personal info ( that I never asked them to collect in the first place ) to be compromised. Equifax knew about this breach a month before releasing info to the public which resulted in lost time to take action. I added a credit freeze to my account with them. To their credit, Equifax waived the credit freeze charge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Closing/Cancelling account

Complaint: I had a Home Depot credit card for many years at XXXX balance. I looked at my credit score and saw that the account had been closed. I called the Home Depot credit department, I believe it 's with Citibank and was informed by Customer Service that it had been closed from XX/XX/2016 from the credit bureau. They could not tell me the reason why they closed the account but directed me to contact the credit bureaus. So I said hypothetically there could have been a negative on someone 's credit history due to fraud or id theft or what have you, the company DOES NOT inform the consumer but takes a decision based on the red flags that the credit reporting agencies without any input from the consumer, and then not tell them about their decision. This is a totally unfair practice. Home Depot should have had the courtesy to let me know that they closed my account and on what basis. I am in dispute with another company in regards to late payments on my account. But a company can not make decisions solely on the credit bureaus reporting without the knowledge of the consumer.

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 08/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First Data Corporation (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I had a bill with my check inside that was stolen from my mailbox back on XXXX XXXX. A few days later I discovered that whoever stole my check forged new ones and spent them at XXXX locations around town. I cancelled my checking account at once, and opened a new one. I also filed a police report, and notified the post office of the theft. I got a letter from Telecheck which is TRS Data out of XXXX TX saying one of the checks that was cashed at a XXXX XXXX was returned for non payment and they said I was responsible for it. I went to their website and filled out the fraud and theft report and returned it with a copy of the police report and thought I would hear of a result from that. Instead they sent me another letter saying I owed the amount and they would take legal action if it was n't paid. I wrote them again, and this time sent a letter from my bank saying it was a fraudulent charge and not to hold me liable for it. To this day, I have not heard back from them, and now this week I found that they are not allowing my business through my bank on XXXX. I have done business with them with no problems until this week. I am so angry that Telecheck has done this to me, and I do n't know where else to turn for some help! I was the victim of theft and fraud, and yet I am treated like the felon! I want to hear from them that I am not responsible for a check I did not write, and I want my ability to write checks again without fear of them being declined. This is no way to run a legitimate business by Telecheck. I have tried calling them, but it is impossible to find someone that knows what is going on, or help me. This is my last resort for some help. Thanks ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NJ).
Issue: Unauthorized transactions or other transaction problem

Complaint: Im trying to add money to my bank account through an app but TD Bank is blocking the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Problems caused by my funds being low

Complaint: On XXXX XXXX, 2016 there was a deposit in my account of XXXX and more dollars and buy the on that same day I had withdrew {$200.00} leave old me {$200.00} plus answer by Monday one of the companies that would draw a monthly had taken out their portion of XXXX. Over the weekend the account was in - {$3.00} by Monday when I would deposited the XXXX that left the account with a few dollars left over and the company money was taken out by Wells Fargo. By Wednesday or so I recieved a call from the company I 've been dealing with that takes out money they informed me yet they have not been paid. When a calling Wells Fargo one of the representatives had an attitude and basically told me there was nothing they can do for me because I 'm not understanding where my money went when I clearly understood once they took out my money they have replaced it on Tuesday of XXXX which they had and for me as well and then came back on that Wednesday and told me I was negative and I can pay for anything which does n't make sense because the other bill is XXXX so if I have XXXX in the account why ca n't XXXX XXXX bill be paid this cycle became very repetitive and irritating

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 10/24/2017 about Mortgage (Conventional home mortgage) with Capital Markets Cooporative, LLC (PA).
Issue: Trouble during payment process

Complaint: I closed on my home XXXX/XXXX/XXXX. After sending in my XXXX Mortgage payment my Mortgage sold twice in same month. I never received any notification/Welcome Kit from new outfit. CMC serviced by SLS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I 've called them each week on Friday only to be told my Welcome Kit is being mailed. Still Nothing. I Finally found their Website on my own. The Website would not allow me to make a payment or sign-up for Auto pay. Against my better judgement I made a payment over the phone. The Rep proceeded to only post the Principal and not the Escrow. So I had to call back and pay the Escrow. That was on XXXX, as of today that is still not appearing on statement, where is my money? Today I received not XXXX, but XXXX Dilinquent Notices telling me I 'm in Default of my Loan! Are they for Real, are they Legit? They informed me a few weeks ago that they only got my info on XXXX and I had until XXXX to get all caught-up once they get me set-up, but Still no Welcome Kit. Please help get resolved. Are they trying to Scam me? I XXXX and read about a Scam regarding SLS that sounds just like this. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX PA. XXXX. XXXX # 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 10-12-2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MA).
Issue: Managing the loan or lease

Complaint: Please let me start with some past experiences that are my rationales for my complaints. I have experienced fraud several times since 2010 and now choose to pay most of my bills online and am still setting up a paperless system. My COMPLAINT : CareCredit/Synchrony Bank -- I was recently was told I was being connected to synchrony bank and was connected to the wrong bank from another account ( Amazon XXXX. They were asking my entire social security number and other things I felt uncomfortable with and that 's how I found out the phone call had connected me to the wrong bank which added more concerens for this complaint I will explain now : My problem : I am taking extra precautions so ... I have tried so many times to sign onto my CareCredit account to make payments to my bill and the site does not allow me to, it says it does n't recognize me. Long story short, after a few months of trying I finally called. I was told by synchrony bank I had a late payment so they " locked '' my online account ( causing me further late payments as I am unable to do this during the day so I have been up all hours late night with NO clue what is wrong ) I have NEVER heard of locking online access because a payment is late and insisting it be paid by phone. I do NOT feel comfortable paying by phone and I told them this sounded like a racket to incur more finance charges rather than " ALLOW '' a customer to pay their bills on time. I also mentioned to the rep/supervisor I was so upset by this, I may file a class action law suit because it was their fault I can not even access my own account online as I am unable to do this during normal business hours. He then removed those late charges but I can not see anything for sure to confirm this in my account because it 's locked! I do not want to pay by phone! I can not keep track of what I do by phone, mail/paper mess everywhere, and I have no proof etc., I have problems and have been scared with phony calls too many times by phone lately so I am insisting to to have access to my account but they are refusing unless I pay to catch up. I want to but NOT by phone. I can not afford to lose one more penny and I do n't want to use mail because again, I still can not see whats going on. ONline I can take a screen pic of what I am seeing.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: navient offered assistance to payoff my student loan as I am XXXX. I refused the assistance, and I continue to pay my student loans. however, I noticed that navient did some sort of finance change, as my payments per month were reduced in amount to be paid from, approximately, $ XXXXmonth to $ XXXXmonth. my principal was increased by a few hundred dollars when this payment change was made. I did not request any sort of refinancing on the original loan, but I feel something of the sort may have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On or around XX/XX/XXXX, NAVY FEDERAL CREDIT UNION violated Title 38, Section 5301 ( a ) ( 1 ) Veterans Benefits and/or 31 CFR 212.6 - Rules and procedures to protect benefits that is governed by the Americans with Disability Act and/or the Veterans Disability Protection Act of XXXX by willfully and negligently allowed a third party agency to garnish over {$65000.00} from my bank account without allowing me to officially dispute the transaction. I request to re-open an investigation with amendment to add additional violations of the Americans with Disability Act and/or the Veterans Disability Protection Act of 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 05-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Over the past two years, I 've used a short term loan product from XXXX on 3 different occassions. In every instance, they 've incorrectly reported the accounts on my Transunion credit report. I 've disputed the accounts and had minor corrections made ( usually changing " open '' to " closed '' ) but the account keep being re-reported incorrectly. Recently, I received a report and saw XXXX closed accounts again reporting as open with balances and a large drop in my credit score. I want these accounts reported correctly or removed. This company 's business already skirts being legal and I would definitely call them predatory but to damage their customers credit so that their options continue to be limited is unacceptable. Here are XXXX example accounts with the problems noted and screen shots from their own web site showing the errors. 

1. ) Loan for {$800.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Reports on my Transunion report as opened on XXXX/XXXX/XXXX with a high balance of {$1000.00}. Last payment listed as XX/XX/XXXX (?! ). Listed as open with a balance of {$330.00}. Last reported/updated on XXXX/XXXX/XXXX XXXX. ) Loan for {$600.00} opened on XXXX/XXXX/XXXX. Paid in full and closed on XXXX/XXXX/XXXX. Listed on Transunion as open with balance of {$480.00} and last payment on XXXX/XXXX/XXXX. Information last updated/reported on 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 06-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My Trans Union Credit Report Shows A balance After My Chapter XXXX Bankruptcy Was Discharged. 
Reference Number XXXX Court Circuit Court Date XXXX XXXX, 2012 Status Discharged in Bankruptcy Amount {$13000.00} Classification Legal Item Type legal items

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 08/15/2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: My mortgage is " underwater ''. 
I do not have an FHA mortgage and my mortgage is not backed by either XXXX XXXX or XXXX. 
I have searched for an FHA Short Refinance but am not able to even apply as NO MORTGAGE LENDERS PARTICIPATE in this government advertised program. 
Why advertise a program that does not exist?

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have been paying navient for a little more that two years now and my payments just seem to go up. they started at around XXXX for three private student loans and are now around XXXX this is not a significant increase but when I 'm struggling to pay in the first place this makes a difference. i tried talking to them and they told me there was nothing they could do to lower it and the interest rates change so my payment does. I began to look into this more and came to realize that what i pay to my principle balance every month to three loans is around XXXX dollars and the other XXXX goes to interest alone. these loans total to around XXXX dollars. at this rate i will pay them off in about 90 years. this is ridiculous and when i discussed this with them they again said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I have paid XXXX to Nelnet through XXXX ( as of XXXX, XXXX ) and this student loan payment ( and related garnishment ) should be complete. However, Nelnet and XXXX has added arbitrary fees and charges throughout the course of my multiple complaints ( CFPB and Dept. of Education ). Nelnet has misrepresented the amount and related charges only to profit by misleading information about my student loans. The amount of additional charges has almost doubled and Nelnet has lost paperwork, misapplied payments, added surprise late fees and also delayed processing of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Ad Astra is a collection agency that has taken over a debt that was discharged in my bankruptcy. I provided the document to XXXX XXXX months ago and now these people continually call me at work, on my cell and at home.

Company response to consumer: Closed with explanation