milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried since XX/XX/XXXX for the bank XXXX XXXX to delete the mortgage that my ex has from the credit report. This was a second home that we purchased in XX/XX/XXXX as a vacation home. This is not my ex main house. He always have lived in another home. We purchased this with XXXX XXXX in XX/XX/XXXX. I  have never signed any papers with XXXX XXXX and when the mortgage has defaulted several times I have attempted for XXXX XXXX to take me off the property since the judge when I got divorced gave this property to my ex and it is stated in my divorce papers that I am not responsible for this place as of XX/XX/XXXX. Divorce papers filed at the court house in XXXX XXXX XXXX ( case # XXXX ). Now in XX/XX/XXXX my ex did a modification of this mortgage and without my knowledge or consent XXXX XXXX did the modification putting my name as married to XXXX XXXX. In XX/XX/XXXXXXXX XXXX was already married to somebody else not me and I am married to somebody else also and I am not responsible for this property per court papers. I have tried for several years for XXXX XXXX to removed me completely without any luck. XXXX , XXXX owes me {$50000.00} alimony from the divorced date until I got remarried, so I have a lien in this property for that amount. Also is showing in my credit report that I am living in all these places where XXXX XXXX live and I do not know who is reporting that if it is XXXX XXXX since it is the only thing that unfortunately still being attached to me after 15 years divorced. XXXX XXXX says that I will need to find a lawyer if I want this resolved. I had a lawyer and went to court and this should have been taken care of since XX/XX/XXXX.Attached I am also including all the addresses of all the places that the consumer report has me living.

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 06/21/2016 about Bank account or service (Other bank product/service) with Comerica (GA).
Issue: Deposits and withdrawals

Complaint: My name XXXX dob XX/XX/XXXX had XXXX scam out of my account with Direct Express, I called and reported it within minutes of discovery, on XX/XX/XXXX.filled Out and returned paper work still no return of funds will be 4 weeks in 2 days, please help Me before I go broke.My Social security is put in this account, Direct Express has not meet Expectations.Thanks for any help. XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Name is misspelled

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CREDIT BUREAU OF NAPA COUNTY, INC. (GU).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CFPB, I have previously submitted a complaint against XXXX XXXX on behalf of my spouse, XXXX XXXX. The CFPB case number for that complaint is XXXX. XXXX XXXX has recently sent my wife 's account back to collections and we now have a higher balance than before. Previously, the collections ceased and we no longer owed XXXX XXXX anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Payday loan, title loan, or personal loan (Installment loan) with Rosebud Economic Development Corporation (IL).
Issue: Problem when making payments

Complaint: I took a installment loan out on XX/XX/17 for {$1600.00}, I received the money via ach transfer into my checking account. 2 weeks later I started making payments of {$140.00} which was deducted automatically every 2 weeks via electronic transfer. It was a high interest predatory loan a tribal loan. To this day after paying over {$2500.00} back the balance is still about {$1600.00}. To avoid this crazy interest i tried to contact company to pay it off to avoid the crazy interest. However starting over 1 month ago i tried to reaching the company but the number would go straight to a voicemail every timei called during normal business. I then noticed the website was gone and a new website was created with some type of shopping portal intro near the sign in. I emailed the company via the fake chat option, i emailed the support line only to get the message returned back to me. Next they went from deducting my account via ach transfer to making up a phony check. I then alerted my bank and am in the middle of closing the account. I believe they were shut down for legal reasons as I see many reports online about this company working under everal different business names and many complaints against them.

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 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (FL).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Consumer alleges that : - Consumer was approved for a Barclay card in early XX/XX/XXXXfor a {$12000.00} limit - Consumer was verbally provided disclosures about balance transfer offer on a recorded line - Consumer was also provided online link to disclosures and paper disclosures in the mail - Terms and conditions specified that a balance transfer to a non-credit card loan need to be done manually by calling customer service after the card is approved and received in the mail - Consumer did call Customer Service on XX/XX/2017, but was denied the balance transfer opportunity due to system limitations not being able to balance transfer to a line of credit at a Credit Union - Consumer filed a complaint with Barclays over misleading information and non-compliance with the card 's Terms and Conditions.

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 10/21/2015 about Credit card () with BARCLAYS BANK DELAWARE (VA).
Issue: Rewards

Complaint: I have been a Barclaycard US customer since XX/XX/XXXX, carrying their then-XXXX mastercard. When the card switched to the AAdvantage card in XXXX 2015 due to the XXXX Airways/XXXX XXXX merger, I was informed by mailer that my annual benefit ( associated with an {$89.00} annual fee ) of XXXX companion airline tickets would not be continued. I called the card issuer XX/XX/XXXX to see if this benefit could be extended, and if not, to cancel this credit card. The agent I spoke with told me that I would in fact be issued XXXX companion certificates, and she even offered to wave my annual fee as an added incentive to keep my business. My annual fee was in fact waved, but I was never issued the companion airline tickets ( approx redemption value {$800.00} ). When I called today, I was informed that I would never be issued these benefit tickets, essentially that my business had been retained by making false statements. Without the assurance that my benefit of XXXX annual companion airline tickets, I would have canceled my credit card and sought an alternative provider. The Barclaycard reps that I spoke to today ( XXXX levels of supervisors ) all attempted to sell me more expensive products in some perverse attempt to provide me the earlier-promised benefit, but at a cost to me. As I look to purchase airline tickets for holiday travel for my family, I am now going to have to spend an additional ~ {$800.00} that I otherwise would not have had to spend out of pocket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've disputed the accuracy of a collection account on my credit report for over 6 months now. The collection if from XXXX XXXX XXXX , XXXX and it is in the amount of {$2600.00}. I 've no idea what this debt is for an I 've been unable to get anyone to send me information regarding this debt. XXXX and Equifax continue to list this as a debt I owe, though when I called XXXX XXXX they said this debt belongs to my XXXX year old daughter. Who not only has n't lived with me in over 7 years but has n't been on my insurance in about the same amount of time or more. The address that this bill is under is also different. My address is XXXX, Ga XXXX - But the address of my daughter who created the bill is XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX. It seems as if this is falling on deaf ears and it 's really damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Mortgage (Conventional fixed mortgage) with FLAGSTAR BANK, FSB (GA).
Issue: Loan modification,collection,foreclosure

Complaint: To Whom It May Concern : I am having issues with Flagstar trying to maintain my home ownership after divorce. Per the divorce decree, my ex-spouse must be relinquished from all financial liability of home ownership of said property. 
I have requested through multiple formal submissions to FlagStar Bank, mortgage servicer for XXXX, to assist in maintaining my home ownership - beginning XX/XX/XXXX ; with a follow-up request occurring XX/XX/XXXX ; and most recently, I have sent a third request XX/XX/XXXX. 
Throughout these past months, I have not only been met with resistance from FlagStar, but I have even had the FlagStar representative dictate to me I should " Sell my home ; downsize ; and get something more affordable. '' My sister was on the phone and witnessed this statement. I find this comment deplorable and offensive. After much thought and research, I am confident neither the CFPB or Fannie Mae would find those words acceptable. As a result and in addition to submitting to FlagStar, because of all previous denials ; lack of responsiveness ; refusal to find the " right '' solution and/or provide possible options ; and offensive words, I am also submitting this mortgage complaint to the CFPB for support and guidance to navigate the mortgage process and help me keep my home. 
I absolutely want to maintain full ownership of my primary residence. I am established in the community as a graduate of XXXX university ; XXXX ; and my family lives in the same subdivision. 
Please assist me. 
Thank 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 02-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have been attempting to lower my repayment amount or get it deferred through the Navient website since XX/XX/XXXX but it was denied by them. When I asked they said that I needed to be working 30 hours a week in order to qualify for any of the programs. I submitted the paperwork showing I was working 30 hours a week but then never heard back from them. I did n't want to ruin my credit so I made three months of full payments but considering this three months was about 10 % of my income for the year ( {$1000.00} when I made about {$XXXX} ) I found this to be especially burdensome. I found out today none of that was true and I should have been filing under the FSA which Navient never told me.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (VA).
Issue: Trouble during payment process

Complaint: Mortgage servicer, PNC, has listed on my escrow account, three homeowner 's ( hazard ) policies listed on my mortgage account. The only valid policy, has an expiration date of XXXX/XXXX/XXXX and is to be paid via renewal through escrow payment ; however, mortgage servicer, PNC, has this to be paid via one of the other three policies listed on my account on XXXX/XXXX/XXXX. In addition, today, XXXX/XXXX/XXXX, I note that valid hazard policy with expiration of XXXX/XXXX/XXXX, has been paid via my credit card, and not through escrow as was established at time of loan origination.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I called an requested to be set-up with an income-driven repayment plan. I provided all the information required and was approved. I provided the information to have the payments deducted from my checking account. Navient was able to withdraw the first payment without an issue. All subsequent payments were rejected due to Navient entered the banking information incorrectly. I requested that Navient reenter my banking information and paid the current amount that was due as well as payments that were missed due to their error given that I escrowed the missed monthly payments. That payments was successful withdrawn. I am now being told I do not qualify for the amount agreed upon. They stated that I get a monthly bonus from my job after reviewing my bank statement. This was the farthest from the truth. Many of the agents are difficult to deal with given they have little knowledge of how to set-up payments in their system or make changes and corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In response to prior complaint ( below ), XXXX stated that my account was closed and there was no remaining debt ( XXXX case number : XXXX ). Nevertheless, I continue to experience extreme harassment by collections agencies for these charges. Due to lack of coverage and fraudulent advertising of coverage maps, I canceled my XXXX XXXX account. This was followed up with a letter from a collections agency ( XXXX XXXX XXXX ) for {$120.00} for my XXXX account. XXXX did NOT notify me at any point of this balance before forwarding to collections. Upon contacting XXXX, they refused to provide the basis for this bill, or a rationale for using a collections agency before notifying me. They further refused to state whether the bill was valid and could not tell me what account or service it was for.

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 Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I recently ( XX/XX/XXXX ) opened a Premium Rewards credit card with Bank of America to take advantage of a great offer. The fee related to the card is an annual {$95.00} fee. I opened the card and began using it and was immediately charged the {$95.00} annual fee unexpectedly on XX/XX/XXXX.. I called Bank of America after reviewing my card member agreement and the online fees section to let them know that the fee on the agreement and online says nothing about charging me immediately for the fee and was told by the specialist that " we have that information here but its not on the agreement. '' My concern was passed along to Sr. Management and was told not to expect a reply. 

Today ( XX/XX/XXXX ) I called and spoke to a card member specialist and  then escalated the call to her supervisor XXXX, both very nice. Both agreed that I have a valid complaint, which is that I want the annual {$95.00} fee refunded as I assumed it was an annual fee that I would expect to see charged to my account in the 12th billing cycle, not immediately. They were unable to refund the {$95.00} fee and told me to send a written inquiry to the billing department when my bill arrives. In my opinion, this is a UDAAP violation as Bank of America omitted specific information about when the annual fee would be charges to the account ( as other credit card companies make clear in their credit card agreements ) to make the offer more appealing to consumers. Had Bank of America stated this information in the card member agreement and fees section online, consumers might not apply for the card for this reason alone. 

I simply want my {$95.00} annual fee refunded and for Bank of America update their card member agreement related to this offer to clearly state when card members will be charged with this {$95.00} annual fee.

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 09-07-2016 about Bank account or service (Other bank product/service) with ALLY FINANCIAL INC. (NV).
Issue: Making/receiving payments, sending money

Complaint: I have been adding extra money to my auto monthly payment and it is not being applied to the principle. Instead, they send me my next statement with a lower payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (WI).
Issue: Money was not available when promised

Complaint: Coinbase / XXXX lost my funds transfer.

I sent money from XXXX exchange to the XXXX exchange.

At the point and time of the transfer XXXX was representing the value of my XXXX at {$7400.00}. The exchange it was on had it priced at {$4200.00}. My intention was to sell it on the exchange that showed the higher price. Since XXXX lost the transfer, am entitled to reconciliation of my losses since they have held my BitCoin Cash since this date and I have been unable to sell @ {$4200.00} or {$7400.00}. The value has been cut in half since XXXX lost the transfer.

I would like to receive the US dollar value of the funds they misplaced from the exchange they were on at the point and time of the transfer was sent ( XXXX price ) or transfer completion ( XXXX price ). Tuesday, XX/XX/XXXX XXXX XXXX I have open many support tickets and have spent 26 hours waiting for customer service to answer. I 've never been given any information.

Amount : XXXX XXXX To : 1XXXX Requested At : XX/XX/XXXX XXXX From : XXXX  According to XXXX they sent my money on this date.

XX/XX/XXXXXXXX XXXX Completed Address : 1XXXX XXXX XXXX  3XXXX  According to the blockchain, XXXX received my funds.

XXXX XXXX XXXX Relay time Tuesday, XX/XX/XXXX, XXXX XXXX Time until confirmed after 8 minutes and it has since been transferred out to a private wallet.

Please help me in recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I co-signed one of my daughters XXXX student loans, now Navient, and when she became XXXX I started making payments even though they kept applying it to her other loans. I then was laid off from my job and became unable to continue making the payment amount they requested. I offered to pay less but they refused to accept less. They then sent me to collection and ruined my credit which was always excellent. I am now living on social security only and unable to make any payments since I am well below poverty level. I am requesting this loan be discharged and my credit be restored to what it was. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (IL).
Issue: Other transaction problem

Complaint: Coinbase locked me out of my account. 

They withdrew XXXX Bitcoin Cash and {$170.00} usd from my coin base account without authorization. 

In there defense I owe them XXXX, because a transaction didnt go through. I just need to access my account transfer my coin to fiat to pay them off. 

Problem I have is that I paid XXXX for my coin of bitcoin cash and they exchanged it for me at XXXX. Im up on all my other coin, this is not what I would exchange. If they just contacted me telling me I needed to pay them by XXXX everything would of been converted and theyd have there money. They didnt contact me and just locked me out. 

Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Bank account or service (Checking account) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Account opening, closing, or management

Complaint: I had an issue with my XXXX XXXX XXXX checking account a while back my card was stolen and used and I was blamed for it leaving me owing the bank XXXX I argued but lost and eventually paid off the XXXX ( do n't have recipt ) to have my account in good standing same for my XXXX account I owed {$38.00} due to over draft fee 's but recently paid it off ( have receipt ), however when I when to open a checking account at XXXX XXXX I was unable to do so due to my Chex Systems report saying that I still owe this money both banks but they were both in fact paid in full. I was told that sometimes Chex systems fails to updated, so I am just hoping to have my reports brought up to date.

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 12/29/2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Due to Job loss I contacted two of the company 's that I have credit cards through. XXXX ( Store Cards ) and XXXX XXXX. ( XXXX XXXX store card ). I advised that due to circumstances I would like to see what kind of payment arrangements or programs they had for assistance. ( I have been a long time customer in good standing ). I was told that they hardship programs they had were not available until I was at least 2 months behind. That would then mean that besides being late I would accrue fees for being late and over the limit and ( my credit rating would be affected ). I again advised I am  trying to be proactive to avoid these issues. They advised me they would NOT work with me in advance of being behind. They would not lower my interest rate nor negotiate. Secondly working with me after the fact of being behind usually involved lowering my payment amount but the account would be closed. This also negatively affects my credit. With most interest rates being 17.99 to 24.99 % these company 's have made 3-4 times over of what you actually owe and has you over a barrel since the world revolves on that almighty credit rating.

Company response to consumer: Closed with monetary relief