milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-03-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: I can not access my account for almost a month as it is locked and my mobile phone to access it stopped working. All they needed to do was remove 2 factor authentication for me so I could set it up on my new phone. Instead, they locked my account and I can not get them to respond to many, many messages and calls. Im stuck in a black hole of automated emails and replies that are going no where. I do n't even know if they are still working on my issue. I ca n't access my funds ( digital currency ) for almost a month now and meanwhile one of my digital coins is going down in value. 

Help! 
PS : None of the attached emails that appear to have solved the problem actually worked ...

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2017 about Mortgage (Other mortgage) with BAYVIEW LOAN SERVICING, LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Bayview has made 2 errors in processing our mortgage payments. We have made our mortgage payments before the due dates in order to avoid issues with Bayview. In the last 2 months they have bounced backed our payments XXXX for not being able to obtain the funds. Keep in mind our routing and checking numbers have not changed and the funds are still sitting in the bank. We called Bayview to make the payment over the phone and was told they can not process our payment due to a bounce back. There explanation is that an error could have ben made from the mortgage holder or there 3rd party system when processing payment. Again please keep in mind that we have made payments successfully for months with no issues, but they seem to get a system glitch and wont help us figure out why. Lasty I have read BBB complaints for this company and have found that this is a very common issue.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have Judgement on my account that was on there, but it was paid in full it should never been on my report, Its all paid tax lien, it was on my credit by error, then deleted now its showing up again, my life has been place on hold for the error 's reported

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have an Inquire from XXXX XXXX on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: There is a state of Georgia tax lien still showing on my report that was withdrawn in XXXX 2016. On multiple occasions I have disputed this with Equifax, providing Equifax with copies of the Georgia state tax lien release forms ( which I also have attached here for your review ). I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien and refuses to recognize the withdrawal. The other CRA 's ( XXXX & XXXX XXXX ) removed the lien from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: My student loan has been bounced all over heck and back and now on my credit report fed loan servicing center has reported things incorrectly my student loan was transferred to   XXXX   XXXX   XXXX  / XXXX , that is who I have been paying and montoring, after reviewing my credit report and making  7 d ifferent phone calls and no one making heads or tales of my information and being transferred/sold to another lender fed loan servicing is part of the  XXXX   XXXX   XXXX   XXXX   same as  XXXX . fed loan servicing needs to remove the their information from my credit report it is the same as the information  XXXX  is reporting. its been 16 years since fed loan servicing started reporting, I want the information removed and after all the phone calls no one seems to know who I need to contact to have it removed, I have disputed the information on   XXXX   and its getting me no where the numbers given as contact for this account is where I started ... im very frustrated and want this handled and removed form my report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. XXXX XXXX XXXX Auto Finance XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX Bank XXXX/XXXX/XXXX, XXXX XXXX XXXX via XXXX CR XXXX XXXX XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX. ) Under the Fair Credit Reporting Act, XXXX U.S.C. XXXX I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section XXXX ( a ) ( XXXX ) ( A ) ( i ).

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 07-10-2015 about Debt collection (Medical) with Peter Roberts & Associates, Inc. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Peter & Roberts and Associates, have contacted me multiple times by mail and phone attempting to collect a a debt to XXXX XXXX which i do not believe that i owe. I 've asked them by phone to provide proof that i owe this debt and have been ignored. They do not belive they need to provide any proof other than an itemized list of charges of what they think I owe. I have been promised an itemized list but have never received XXXX to date. Today i called and spoke to a manager who promised me he will send an itemized list by mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I noticed that there was a new collection account on my credit report and when I went through the information I noticed this was not actually a new collection account but an account that was transferred to a new collection company. The company is XXXX XXXX and the original creditor is XXXX  XXXX. The amount is {$460.00}. This debt had previously been reported by XXXX XXXX  starting in XX/XX/XXXX. XXXX XXXX is reporting this as a new collection. I contacted XXXX on Monday XX/XX/XXXX in order to have them fix this information and they said because they just received this account it is a new collection. I contacted Experian and XXXX on XX/XX/XXXX to have them look into this information and they told me they could not help me. On XX/XX/XXXX I contacted the CFPB and they told me to file a complaint. I feel that this is an attempt to reage this account as the account numbers were also changed and it is being reflected on my credit report as a new account even though this debt had been previously reported on my credit report through another company. I need help with this and having this information corrected as my credit report dropped XXXX points for this account and wrong information.

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 05-09-2015 about Debt collection (Medical) with Robinson, Reagan and Young PLLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i recently pulled my credit report and discovered that this company has placed this item on my credit report. I was never notified that I owed them a debt and therefore my rights under the FDCPA were violated. I was not allowed to request validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: i paidoff the lien at XXXX XXXX please remove

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2016 about Consumer Loan (Installment loan) with Atlanticus Services Corporation (IL).
Issue: Managing the loan or lease

Complaint: I made a payment to Fortiva services 1day too early for {$270.00} on XXXX/XXXX/16 which I was finally told was in the previous months statement cycle. If I had made the payment on XXXX/XXXX/16 all would have been fine but there was no warning message on Fortivas website where I always make the electronic payments. My issue is at the time I was not aware of the statement cycle cutoff dates but Fortiva refuses to adjust the early payment to the next day which would 've made my account current. I had to pay them an additional {$110.00} rounded out to {$110.00} as suggested by the representative to bring my account " current ". My complaint is this is a trap laid by this lender if you are not aware of the statement cycle dates. My regular payment is {$190.00} but I pay extra every month paying {$270.00} to reduce the loan term and interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04-03-2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NY).
Issue: Managing the loan or lease

Complaint: XXXX of XXXX Ny offered a special 0 % financing offer to buy furniture through WellsFargo. After initiating the offer and signing the agreement Wellsfargo contacted me by mail informing the agreement signed is not valid after further review. Instead of the signed agreed upon 0 % they will charge me a 28.99 % finance charge. This is against the marketing and the agreement XXXX offered. I am unsure if XXXX was aware of this issue from the onset, the 0 % financing seemed to good to pass up and outside of XXXX normal financing agreements. I seriously doubt this is an isolated incident either. The scheme involved having to spend X amount to obtain the length of time of the agreement and the 0 % financing. Also instead of being a finance loan it is being pawned off or reported as a credit card, not line of credit. A fixed amount and payment will effect my credit report differently then a credit card. This account may substantially effect my debt to credit ratio impacting my credit worthiness. This whole situation is quickly becoming increasingly predatory. I have e-mailed both WellsFargo and XXXX about the issue.

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 05/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Diversified Consultants is attempting to collect a debt they claim I owe to XXXX XXXX XXXX. I have disputed this in writing and requested validation. They have not provided validation and continue to post negative information to XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  2017  I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.

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 01/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Consumer Finance Complaint On XXXX XXXX, XXXX my husband, my brother and I closed escrow on a home purchase. The initial loan had all of our names on it but when it sold the new lender dropped my brother 's name from the loan. It was n't until XXXX XXXX when he ran his credit did he notice the home loan was not on his report. I started the first of many unsuccessful attempts to reach someone from Nationstar Mortgage who could help in XXXX XXXX. 
The first experience was speaking with a customer service rep who noted my concern and said I 'd have a written response in two weeks. The response I received was a letter explaining our loan was not assumable. 
The second experience was with a representative contacting me from Nationstar 's social media department after I gave them a bad rating. XXXX XXXX asked me to send the original settlement statement, which I did. He was going to forward it to another department and I never heard another thing, neither did he respond to my follow up inquiry in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are credit inquiries listed on my report that I did not authorize. I have sent a certified letter to Equifax, but they refuse to verify/investigate or remove inquiries. The inquires are : XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (MI).
Issue: Credit decision / Underwriting

Complaint: I lost my job and already paid 12 years on loan then citi modified me for a 40 year loan and they have the right to part of my retirement this does not help it hinders I tried everything Citi wants me to move out because I ca n't afford it I want to keep this home I have been there for 16 years

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 10/17/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I CHECKED MY XXXX CREDIT REPORT AND IT SHOWED A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) CONTACT PERSON XXXX XXXX ( MANAGER ). XXXX WAS CONTACTED ABOUT THE FRAUD ALSO AND DID NOTHING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with Southern Management Systems Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: from Apartment -XXXX On the XXXX, I moved out because of unstayable conditions, bugs and dirty carpet.. 
When I moved in, they did not clean. The dirty carpet, molds, bugs.. 
I reported these problems to the manager, however they did not do anything about my complaints and I notified them and I moved out. 
They did not return my deposits, yet.

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 10-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AmerAssist A/R Solutions, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A debt was incorrectly reported by XXXX XXXX XXXX in XXXX GA in the name of my daughter for unpaid rent. She had been taken off the lease by the apartment complex and the debt was not hers. She received repeated calls from XXXX at Amerassist AR Solutions. I finally had to get involved to fix the problem. The apartment complex is having the error corrected and several people at Amerassist are aware that it is an incorrect debt. I received another call this morning from XXXX at Amerassist. He refused to listen to anything that I had to say even though I told him I had been in contact with his supervisor to have the situation corrected. He told me it was my daughter 's debt and it would negatively effect her credit. I tried to explain the situation to him several times and he was extremely rude and unprofessional. I myself worked in the credit industry for 10 years as a manager and would not have my employees act this way to a debtor. If this is the way they encourage their collection agents to behave then there is a problem. Thank you.

Company response to consumer: Closed
Consumer complaint received 10/29/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: APR or interest rate

Complaint: I received a letter from JPMorgan Chase Visa on XXXX/XXXX/2015 regarding a change in credit terms. Letter was dated XXXX/XXXX/2015, effective XXXX/XXXX/2015. Is there not a regulation regarding appropriate notice regarding changes in terms? In addition, interest rate went from 9.90+prime to 21.74+prime for new transactions for no apparent reason. No violation in original terms.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (RI).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have struggled to pay the large amount of private loan debt I incurred 13 years ago whole attending college. I have tried my best to always make my payments by working side jobs and moonlighting even though it is against my employers strict policy. The market is not what it used to be and this work has reduced considerably and I can no longer continue to do this work because I can lose my job. My wife is a XXXX XXXX XXXX mother to our XXXX children, I am the only working parent, I can not afford to lose my job, bottom line. Increased costs of health care and cost of living and the loss of this extra income has left our budget negative every month. It has been really hard keeping up with the over {$150000.00} in student loans both federal and private and we have fallen 5 months behind on my federal loans. I have used all forbearance in the early years of my loans and filed bankruptcy in XX/XX/XXXX in an effort to try to make things work but it is not working as our family grew after XXXX XXXX XXXX  children and having a child of our own ( which we were told was impossible ). I 've spoken to Navient many times looking for options and programs and at this point there is not much left. I appreciate that they have considered me for lowered interest programs but even the lowest interest rate is still a {$450.00} payment on top of another {$270.00} for federal loans and we simply do n't have an extra {$720.00} each month. I spoke to Navient on Friday XX/XX/XXXX and the rep on the phone admitted that private loans just do n't have the programs ( like IBR ) that federal loans have and there was n't a lot of relief for me there. She seemed understanding and listened to me for over 25 minutes, I explained all of the above to her. Then she told me she had to transfer me to a manager to " record '' everything we just spoke about. He was rude, loud, and inappropriate. He said, " so what bill are you not going to pay this month so you can pay Navient ''. suggesting that I not pay what? electricity? food? Their phone calls are getting more aggressive and they are now calling my place of work which I have asked that they do not do. I am not allowed to get these kind of calls to my place of work. I was told last time that the number would be removed from the list and they would " leave a note to not call me at work ''. I just recieved another call to my office from them and they hung up on the receptionist.

Company response to consumer: Closed with explanation