milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I entered into a trial modification agreement with XXXX XXXX and accepted the 3 monthly payment option from them. The initial payments were due XXXX XXXX, 2017, XXXX XXXX, 2017 and XXXX XXXX, 2017. Although I have made all of the initial payments timely and before the due and ahead of the schedule, these payments are not reflected on any of my credit reports with Equifax, XXXX or XXXX. These payments have not been applied to my account properly and for referenced due dates as listed above. The payments are in a suspended status. This negative action taken by XXXX is negatively affecting my credit score and potentially keeping my score from being higher.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have a student loans, well, two student loans ; one subsidized and the other unsubsidized. These loans started out at about 39K now they are over 45K. I have been on an Income repayment plan - but this is a catch 22! The principal is growing at extreme rates - where I will never ever be able to repay. I feel I was ripped off from the get-go with XXXX XXXX. telling me to take loans and take money and I would not have to pay back. 

I would like to make a lump sum offer, but it seems that I have to be in default - which again is a catch 22, because my Income based repayment amount is " XXXX '' XXXX! So, how can I default to have the creditors come after me to then offer a payoff or lump sum! 

Something needs to be done with this system. I do not want this to grow on my account for 10 years then have it be excused - like they say it will be. I would rather settle this now if possible - please help! Do I need a lawyer? Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I recently received a full payment history and realized the following:1 ) When I modified my mortgage ( HAMP ) XX/XX/XXXX, Wells Fargo XXXX {$15000.00} to the principal without explanation. 
2 ) I was charged third party fees for my HAMP modification. XXXX for {$120.00} and XXXX {$50.00} fees. My understanding is that is not legal. 
3 ) Any monies I paid in excess of my mortgage payment were not applied to my principal balance. 
4 ) {$1000.00} incentive payments are applied in XX/XX/XXXX instead of their anniversary dates in XX/XX/XXXX. 
5 ) I should have received a {$5000.00} HAMP incentive payment on my 6th year anniversary on XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This is in complaint against collection agency Midland Funding. 
Accounts in reference are all held by Midland Funding- XXXX for {$470.00} with XXXX ( original creditor ) In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the above mentioned accounts. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
I spoke to XXXX on XX/XX/2016 and requested itemized charges relating to the time period in question. He said he would get them out to me in 7-10 days. 
On XX/XX/2016, I received a response from manager XXXX XXXX stating that a determination was made that this is my debt but that a police report or affidavit may be submitted for further review. I responded back by mail that I needed itemized invoices and signatures of purchase or any other means by which to differentiate actual charges from unauthorized charges. I have received nothing. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/29/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: My ex spouse ( respondent  )  attorney  XXXX   XXXX   XXXX  subpoena my business bank account statements on  XXXX   XXXX ,  XXXX , due to be produced on  XXXX   XXXX ,  XXXX , at her law office. My attorney  ( petitioner )  filed a motion to Quash the ordered on  XXXX / XXXX / XXXX , the motion was heard by  XXXX   XXXX   XXXX  on  XXXX ,  XXXX  in dept  XXXX . My motion to quash was denied and a protective order was granted filed in court on  XXXX   XXXX ,  XXXX . Respondent attorney sent to Chase on  XXXX   XXXX ,  XXXX  a copy of the order with the decision not to quash along with the subpoena dated  XXXX   XXXX ,  XXXX , with documents due back to the law office by  XXXX   XXXX ,  XXXX . Chase rejected the subpoena as the due date for documents to be received preceded the delivery date by 5 months.   Respondent Attorney issued another subpoena dated  XXXX   XXXX ,  XXXX  with a due date for documents to be received by  XXXX   XXXX ,  XXXX .  Petitioner ' s attorney filed a motion to quash on  XXXX   XXXX ,  XXXX , which was served on Chase and to be heard by  XXXX   XXXX   XXXX . Respondent attorney after receiving the motion quash informed Petitioners attorney that she had withdrawn her request for the subpoenas served, dated  XXXX   XXXX ,  XXXX .  Chase  released  Business  Bank statements on  XXXX   XXXX  without a valid subpoena and against their own objection to the subpoena dated  XXXX   XXXX ,  XXXX . This bank statements were presented in court by the respondent on  XXXX   XXXX ,  XXXX  who is currently representing himself in pro per. Because of the unauthorized release of the business statements by  Chase,  this has caused me to expend additional legal cost beginning with a motion in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Quality Loan Service Corporation (CA).
Issue: Application, originator, mortgage broker

Complaint: Quality Loan has a sale date on my home for XX/XX/XXXX16 yet my lender XXXX Mortgage claims the date has been postponed ( false ). Quality claims they ca n't postpone unless the servicer ( XXXX ) postpones it and they have not got the ok to stop it, even though I am in a LOAN MODIFICATION. This fraud and deceit of stealing my home and millions of others, still persists and your agency CFPB and others have not put a dent in it, get off your behinds and start helping homeowners like myself who are at an age where we do n't need this type of unnecessary stress.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: In XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in credit company complaints me, because I have not paid, the amount is {$1100.00}, and close my XXXX XXXXXXXX XXXX   account, and in XX/XX/XXXX updated complaints, Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX XXXX XXXX, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

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 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I switched to another car insurance company because the payment was too high and then they report to collection company.I try many times to resolve this problem with the credit bureau ( equifax ) nothing resolve. 

You can not open a dispute. The web page does not allow it for me. This is a way to steal money from people within a legal aspect. 

They report on XX/XX/ I got insurance other company by XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I sent certified letter to Equifax,   XXXX   and  XXXX , stating that there was n't anything in the federal regulations or guidelines requiring them to continue to report a dismissed Chapter  XXXX  bankruptcy, and requested it be removed. They received the letter and changed the date on my report showing the dismissed Chapter  XXXX  Date of report  XXXX / XXXX / 2017 . The date the received my later in which is not true. I have copies of my previous reports to prove they changed the dates. And I also have f or two y ears have been disputing  XXXX  other accounts in which they have not giving me no information whether the accounts have been verified, but refused to remove my credit report.  XXXX   XXXX  and  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan modification,collection,foreclosure

Complaint: There was a complaint filed on XXXX XXXX against Bank of America Loan # XXXX. Complaint # XXXX. We were denied 5 different programs that we qualified for. MORES, MAKING HOME AFFORDABLE, HAFFA, HARP, ECT. After the complaint was filed they sold the mortgage to XXXX Mortgage company without resolving the modification issues. We have been charged 10 or more fore closer fees without proper cause. We are requesting these fees to be removed and modification granted/

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 Credit card or prepaid card (Store credit card) with Alliance Data Card Services (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Opened account with Victoria Secret in  XX/XX/XXXX .
Received first statement  XX/XX/XXXX  with late fee attached Purchase was {$130.00} added interest {$2.00} and late fee {$25.00} for a total of {$160.00} This was my first statement since the purchase. Contacted credit card company, spoke with agent who confirmed my mailing address and stated fees would be waived, but it would take a few cycles to appear on my statement. I paid the {$130.00} immediately following and did not make another purchase using that credit card. Interest and late fees then accumulated and by  XX/XX/XXXX  a statement total was {$230.00} all an accumulation of late charges and fees. Spoke with a manager who researched back on all statements. Manager stater that these fees were carried over in error. She then waived only {$100.00} in fees and asked that I make a payment of the remaining balance of {$130.00} immediately. I admit that I should have been more vigilant about checking my statements but I trusted that they were removing those fees from the first statement as promised. I now have negative late reports on my credit report that could have been avoided if they had not mishandled this credit account. I contacted them as specified by letter to work with me on the credit report and remove the late filings as these were all the result of late fees and interest on top of late fees and interest which trickled down. They would not take any action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I submitted a dispute on inquiries that were XXXX and XXXX times by the same people with the same address and name some only a day apart but after the dispute instead of deleting some of them ( XXXX ) they doubled ( XXXX ) them and now my score dropped XXXX points. All XXXX Credit companies are the same they do what they want some one puts something on your report and even if its false its like pulling teeth to get it off. You either have to live with it or pay someone to try and get it off and not everyone ca n't afford {$80.00} a month. I live in Florida and not XXXX of those companies are here so they do n't abide by the new laws of our bankruptcy as I filled and was reported XXXX/XXXX/2011 and since I 've try to rebuild my credit it was XXXX before I contacted XXXX now its XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: I applied and was approved for an amex platinum card that included a sign up bonus of XXXX miles once I spent XXXX within 3 months. I have spent the {$3000.00} ( more like XXXX actually ) and the miles were credited to my account. But Amex is not allowing me to use the miles for some reason. The terms and conditions were clear that I could use the miles after they were credited to my account. I am trying to book a flight that would otherwise cost me about {$10000.00}. If I do not book soon the ticket will be booked and I will have to use $ s to buy the ticket and not miles. This is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Payday loan debt) with Midwest Recovery Systems (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: IN REGARDS TO : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. I SENT A CERTIFIED LETTER TO THE COLLECTION AGENCY TO INQUIRE ABOUT THE VALIDITY OF THE DEBT AND VERIFICATION OF THEIR CLAIM WHEN I HAVE BEEN A VICTIM OF IDENTITY THEFT. IT WAS RECEIVED BY AGENT XXXX XXXX ON XX/XX/2018. WITH NO RESPONSE TO MY DEBT VALIDATION AND NOTIFYING THAT THIS ACCOUNT IS A FRAUDLENT ACCOUNT AND I HAVE NEVER TAKEN OUT OR DONE BUSINESS WITH A XXXX XXXX. THEY HAVE NOT PROVIDED ME WITH A ORIGINALCOPY OF THE CONTRACT BEARING MY ORIGINAL SIGNATURE? PROVIDE ME WITH PAYMENT HISTORY FROM THE ORINGINAL CREDITOR? I NEED COPIES OF ALL LETTERS SENT TO ME FROM YOU THE COLLECTION AGENCY AND THE ORIGINAL CREDITOR REGARDING THIS DEBT? WHEN WAS THE LAST DATE A PAYMENT WAS MADE ON THIS DEBT? ALSO PROVIDE ME WITH THAT THE STATUE OF LIMITATIONS HAS NOT EXPIRED ON THIS ACCOUNT? PROVIDE ME WITH COPIES OF ANY PAPERS THAT SHOW THAT I AGREED TO PAY WHAT YOU SAY I OWE? PROVIDE ME A VERIFICATION OR COPY OF ANY JUDGEMENT IF APPLICABLE? AS I HAVE STATED BEFORE I HAVE BEEN A VICTIM OF IDENITY THEFT AND THIS ACCOUNT IS NOT MINES. BUT THEY ARE REOPORTING INACCURATE INFORMATION TO ALL THREE BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Trouble during payment process

Complaint: I went online to pay my  XX/XX/XXXX  WELLS FARGO mortgage on  XX/XX/XXXX . The payment posted from my  XXXX  account on  XX/XX/XXXX . On  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX  WELLS FARGO attempted to take an additional mortgage payment from my  XXXX  account. This resulted in 3 separate fees of {$29.00} withdrawn from my   XXXX   account because they made 3 separate attempts to withdraw this additional payment. I called Wells Fargo and spoke with  XXXX  who was no help at all. She explained that once I made the payment on  XX/XX/XXXX  it should have reset my pay to the next cycle in  XXXX . Which I agreed. But then she started back tracking saying that it is not Wells Fargo fault and I should have called when I made the payment. She essentially tried to blame me for wells fargo system jot doing what she explained that it was supposed to do.This is unacceptable and cheating a loyal customer out of money. I have been with Wells Fargo mortgage since  XXXX   and have never been late or missed a 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 monetary relief
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: After countless attempts to rectify the situation incorrect information regarding the payment status and history of a child support account continues to be incorrectly displayed in my credit files. 

First and foremost let me say mother has closed the accounts on her end and the remaining funds owed are questionable regarding the cash aid that was taken while I had full custody of XXXX XXXX. 

Second, But the payment history is inaccurate because as you can see I have made payments through the only income Ive had at the time since I was and am currently XXXX. 

Attached payment receipts from the state of California to the Department of Child support contradicting their records of payment and that Mounts taking it sometimes have been 10 times what was owed for that month.

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 08/30/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: Dear CFPB. 

I am terribly concerned about what XXXX has done to me and my credit score. Last year I had issues receiving my statements around XX/XX/XXXX-XX/XX/XXXX. I had informed the company of this and they had assured me that they were lost/stolen statements and I was not responsible for this one time issue. Fees were reversed and I was told my credit score and report would not be affected by this confusing situation and that my statements would now be coming. I even called to tell them later on in XX/XX/XXXXto inform them that i was now receiving them and was no longer having issues. Recently I checked my credit report and I was mortified to see that they had reported me late after I was continually told that this would not happen. To my surprise and horror they had lied to me and reported me 30-59 days late on all three of my credit reports for XXXX AND XXXX of XXXX!!! That is two consecutive months they reported me past due 30 days each and my credit had dropped nearly 100 points. It is beyond my comprehension how they have done this to me when I called and informed them in XXXX and XXXX that my statements were missing and I had no idea if I had a balance due and what that balance was. This is incredibly unfair and I am horrified to see that they lie to customers and would like them investigated for this. They are ruining my life over an unknown mistake an dI would please ask the CFPB to have them correct it. I am afford to speak to them in fear of being lied to again and this taking another stressful year out of my life. Please please help me!

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 02-02-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (IA).
Issue: Other transaction problem

Complaint: I've been a customer of Coinbase.com for about 1 year. On XX/XX/XXXX our bank sent them a wire transfer of {$200000.00} USD. IMAD # : XXXX XXXX On XX/XX/XXXX Coinbase sent us an email which read " You recently sent a wire to fund your Coinbase or XXXX   account for {$200000.00}. Unfortunately, we are not able to apply this wire to your account due to a name mismatch and will be returning this wire back to your bank. Please allow us 7 business days for processing ... '' see attached We sent them an email on XX/XX/XXXX and all we received was a robot response. see attached Today XX/XX/XXXX I went online to see if there were others having this problem with Coinbase and yes there were many. According to the others the best way to resolve their issue with Coinbase was with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (IN).
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: XXXX XXXX WAS SEND CHAPTER XXXX BANKRUPTCY INFO. AND NOW MUST CANCEL DEBT AND REMOVE ALL NEGATIVE CREDIT REPORTING TO XXXX CHEXSYSYTEMS, XXXX ETC.

Company response to consumer: Closed with explanation