milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court 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 07-06-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I previously encountered hardships with respect to my mortgage and secured the services of an attorney to assist with such. At that time, my mortgage was upside down, and I underwent a financial restructuring process and my attorney assisted in lower my debt. Chase, who held the XXXX mortgage on my home, was contacted by my attorney to facilitate such. At that time, I wrote a letter to them in XXXX XXXX explaining the financial and medical hardships I was experiencing, and requested the same be forgiven. My attorney received a letter from Chase advising that the debt had been cleared. After receiving the letter, I contacted Chase a few times to confirm the debt had been wiped out and was advised that was in fact the case and I was sent a Satisfaction of Lien in XXXX XXXX. After receiving this notification, my XXXX mortgage went through a refi process through the new HARP program. Since Chase wrote off my debt, we did not include it. Afterwards, my attorney and I concluded our business and terminated our relationship. In XXXX XXXX, I was contacted by Chase and advised that they released my debt in error and requested payment. I wrote to them on XXXX XXXX, XXXX reminding them that the time to negotiate was when I had an attorney who was retained for that purpose. They were well aware that I was represented as my attorney wrote to them on several occasions. I requested a XXXX to file in accordance with the Mortgage Forgiveness Debt Release Act which they failed to provide. I requested that they honor the prior agreement and advised that I will not be making any payments in which they never responded. Chase went several months without contacting me. However on XXXX XXXX, XXXX, I received another letter attempting to negotiate the debt which is highly improper. At this time, since it appears that Chase is refusing to honor their prior commitment, I am filing a complaint and am requesting your assistance on such.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: i called in to discuss my options because of the amount of money i make because of the fact i am a family of XXXX with a XXXX husband and i bring home XXXX after insurance and taxes before it was XXXX a year and they kept offering me a forbance and they never offered me the income driven repayment i seen online tried to link my tax return and it would not work and so they said that would send me the paperwork and when i got it there was consodating paperwork which i called come to find out there was some that was was not added when the other rep did the last time it was consodated which the main reason these call were happening was i got a loan forgiveness i was not even getting any bill or anything else telling i was even late which meant my credit was getting report but i was getting anything so until i called i dont feel they were doing their jobs and now i have probably have had about XXXX more added to my total since my last forbearance was started XXXX Florida XXXX FLorida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following inquiries are on my Experian report. Yes these inquiries were made by me. However, the first one was supposed to fall off XX/XX/XXXX and still remains. Also the other two is due to fall of XX/XX/XXXX and XX/XX/XXXX.

1 ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX  ) XXXX 3 ) XXXXXX/XX/XXXXXX/XX/XXXX-Removal date Credit Card - Finance Company XXXX XXXX XXXX  XXXX XXXX, TN 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 non-monetary relief
Consumer complaint received 05-12-2017 about Debt collection (Federal student loan debt) with The CBE Group, Inc. (KY).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I have been making payments in a " rehabilitation '' program for well over a year. I just found out that instead of being rehabilitated, I am still in default. I have attempted to contact them by phone and by email for over a week now and I have n't received any communication. No returned calls, no returned emails.

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 08-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Naivent is my provider. I am trying to lower payment. I have no job and no income.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: hi, my mortgage was with countrywide until XXXX than bank of america claim they have the mortgage at the same time my husband and i helping my father with medical and haspital bills he was XXXX .we ask and wrote bank of america hard ship/forbearance loan but bank of america did not get us but modifacition loan trial XXXX modification trial application satart XXXX but delay after delay paper after paper we didint get loan trial start until XXXX we start to pay XXXX, XXXX, XXXX, XXXX, XXXX but check we pay in may they send send us back i dont know wahat happend before we do bank of america foreclosure on .after all we new aplication new paper work restarted.on XXXX XXXX we write letter to deman XXXX is our lender after we cosult a lowyer andread some information bank america mortgage froud /modification froud bank america send me a letter XXXX XXXX saying bank of america was a servicer and my lender /investor is countrywide ... my XXXX years home for my still on foreclosure, i cant affort to pay XXXX {$20.00} for a lowyer.we bought XXXX years ago for {$82.00}. we cant get credit to fix ac/bathrooms/kitchen/roof/floor need list XXXX {$75.00} now bank of america get me to sign loan modification for over {$120.00} we are suffer, XXXX and frustrated XXXX years, my husband had a XXXX XXXX XXXX from stres we need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Consumer Collection Management. Inc (MO).
Issue: Confusing or misleading advertising or marketing

Complaint: Hi I am with Credit repair and they removing negative Items off my report and the collection place put two of them back on the name of them are Cosumer collection management for XXXX and the other one is XXXX XXXX {$560.00} and {$550.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: 1. TD Bank offers online account opening option. However does not give any notice that my credit will be checked without my knowledge. 
2. The application does not get approved based on their erroneous credit info report they get w/o informing the customer of this process. 
3. Once I called the CSR, the manager indicated despite checking my credit ( the bank wants me to go to the branch ) to verify the info! 
4. The manager said in the bank they do not check credit. But again no such info is listed on the site.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (CO).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I am a personal check account holder with T.C.F. National Bank. I was the victim of check fraud and forger y. Two checks, one for  {$2500.00} and another for {$5500.00}, were forged on my account. The bank doesnt dispute this. However in a letter of determination regarding the reimbursement of my {$8000.00} from their fraud and forgery department they determine that my " failiure to exercise ordinary care in safgeguarding your checks substantially contributed to the making of the forged signature. '' Dated   XX/XX/XXXX .  Signed by  XXXX   XXXX   XXXX  and Forgery Investigator, TCF National Bank. A little over a year ago, on   XX/XX/XXXX ,  I was arrersted on an outstanding traffic warrant in the parking lot of a hotel where I had planned on spending the evening. I was approache d by two officers who immediately put me into custody in the back of a police cruiser. I advised t hem I was in between residences and that my vehicles contents needed to be secured. I had just bought the used vehicle that day and I had temporary tags on it. After I was taken from the scene in police custody to jail someone stole my vehicle while I was in jail and took possession of my checks and other belongings and committed fraud against me and forged my signature on  two c hecks. A report was filed with the  XXXX  Police Department by my father after going to pick up said vehicle from hotel parking lot and determining it was gone. On or abo ut  XX/XX/XXXX  , still incarcerated, I ask my father via telephone to look at my checking account balance. He relays to me that a check for {$2500.00} had been cashed and that a check for {$5500.00} was pending! I have him put a stop payment on that immediately via telephone. I, through my father, advised the bank that the {$2500.00} and {$5500.00} checks were not authorized. I 'm charged {$35.00} stop payment fee and I was glad to pay it. But then inexplicably I 'm reimbursed the stop payment fee the next day,  XX/XX/XXXX  , because the bank went ahead and cashed the check anyway! A full day after I advised them that something nefarious was happening with my account. I worked with the bank as much as possible. Providing police reports on my arrest etc. Which, by the way, has nothing to do with me being the victim of a crime here. Now TCF National Bank is victimizing me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with Federated Law Group (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: I am a XXXX and they are calling the XXXX saying that they need to speak to me about a debt that I owe. I have informed them to send anything that they believe that I owe on paper by mail. They have been told Do Not contact me at work or speak to my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
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 have been trying to get the dispute remarks removed from my credit report for 1 month now. I have called in 4 times to get the remarks removed and each time I have been told that it is complete and that it would take 48 to 72 hours and this has not been completed.

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 04-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following inquiries were not authorized. I applied for 2 vehicles and the 2 banks that I gave my personal information to, forwarded my personal information to other banks without my consent. Since that time, my credit report has been run numerous times without my permission. And in cases where I did give permission, they ran it repeatedly without my permission. These false inquiries need to be removed from my credit report. They are all listed below : INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX INQUIRER XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX  XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX/XXXX  XXXX XXXX XXXX INQUIRER XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX   XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX   INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX/XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX INQUIRER XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX INQUIRER XXXX 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 non-monetary relief
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I was a customer of XXXX from XX/XX/XXXX- XX/XX/XXXX called advised I would be getting another carrier asked my name and number be removed from the bill my contract expired. My daughter remained a XXXX subscriber they removed my phone number from the bill but left the account in my name when I called they informed me the account had been changed over. Although I did not receive any more bills they failed to put the account in her name. I have proof that I was a subscriber with XXXX in XX/XX/XXXX same phone number and now XXXX for over a year the same phone number. I provided a notarized statement as proof the bill is not mine, called the company ( XXXX ) asked them to send me a copy of the contract because I have not signed a contract with them in years no phone contract last forever. XXXX refused to correct this error sent me a form to complete wanting me to charge my daughter with fraud when it was their error for not changing the bill and address into her name, they sent bills to an old address they had on file. At any rate it has runied my credit my mortgage loan through the bank was disapproved for the recent collection on my credit report, I retired in XX/XX/XXXX no bills have come to me. I have made numerous attempts to resolve this issue with them they simply remove it from one credit report to another with a different collection agency. I want this removed from my credit record entirely because my husband has XXXX I need my credit to remain in tact to but a home based on my income it can not happen with this debt which does not belong to me binding every step I try to take. The collection is now with IC Systems, and was being carried by a company called XXXX. The collection agencies should be held accountable for ruining your credit without performing an investigation. I am asking them to produce a contract bearing my signature after the 2 year contract period as proof. The people at XXXX are rude I have names of those I have spoken to supposedly in their corporate office. Please help resolve this complaint I need clsoure to move on and clear my name. 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 12/13/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: At XXXX XXXX ET on XX/XX/XXXX, I got an email that my XXXX Litecoin ( roughly {$5500.00} at that time ) from XXXX has been deposited successfully into Coinbase. Right after that, I got onto Coinbase to sell my Litecoin. However, the limit sell order I made did not go through, and instead was in a " pending '' state for over 20 minutes. After that, it was reverted back into an " Open '' state, which obviously meant that it did n't go through. I then tried to cancel that order, and that was when I got restricted. Not only could I not sell out my currency to USD, I 've also been locked out of my account. I 've sent in numerous support tickets and also called their customer support line ( 2 hour hold ), but no one gave me any reasonable response, and my money is still held hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (FL).
Issue: Trouble during payment process

Complaint: We live in south Florida and were financially hit by hurricane Irma as our house had damages which consisted of roof damage and exterior damages to fences and trees. We contacted our mortgage company at the end of XX/XX/XXXX explaining the situation and we were put on a  forbearance and explained that our payments would be deferred to the end of our loan term. Now in XX/XX/XXXX we received a call that we had to come up with all the money of those months before they take action on us. Meanwhile this whole time, I have not stopped paying my escrow account which covers taxes and insurance on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Please see attached NOTICE OF INVALID INSTRUMENT ( S ), NOTICE OF BREACH OF CONTRACT, NOTICE OF FALSE CREDIT REPORTING AND NOTICE OF CEASE AND DESIST.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (UT).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: On  XXXX  I received a phone call from a collector at  Wells Fargo  regarding my account that was past due. I told the collector I paid a small portion ( what I could afford ) over the weekend and she said " yes, but your account still has  XXXX  dollars that 's past due. She repeatedly tried to schedule a payment and I told her I would pay when I had the money to. She pressed again and again, and when I caved and told her a date, she started pressing about scheduling ANOTHER payment after that  XXXX . I told her I was uninterested and that I 'm going through some financial hardship right now and asked what my options would be. She did not answer my question, and continued to ask why I would n't just let her schedule the payments. I told her because I could n't guarantee the funds in the account trying to pay the balance. I eventually hung up on her because she was insistent and I was just outside, enjoying the evening, pushing my son on his tree swing.

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