milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was victim of ID fraud from XXXX. XXXX has confirmed via phone and also sent me correspondence agreeing the account opened with my information was not authorized by me. I initiated a dispute with Equifax and received the final disposition that the information was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX Phone : ( XXXX ) XXXX '' I have contacted XXXX again to have this inquiry removed. Additionally I can find no way to dispute with Equifax via writing, email or via phone. The only selection is to file a new complaint or get status. This is an abysmal process. It is obvious from the recent activity my personal information has been part of a compromise and therefore is now being used to attempt fraud but the bureau has done a cursory review and did not even validate with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Other debt) with First Credit Services Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: No debt verification received, contacted company and was told i would be provided information i was not

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: A company name d Midland Credit Management ha s been hounding me for years over an alleged  XXXX  debt. The debt in question was bogus in the first place, and is well beyond the statue of limitations anyway. I have repeatedly made them aware that the debt is not legitimate. I have even succeeded in getting them to admit it themselves, several times. They have also admitted it is past the statute of lim itations. They have never affected my credit report, they have made it clear that they can not and will not persue legal action against me, and they are usually fairly polite. They just NEVER STOP CALLING. I have made dozens - if not hundreds - of requests for them to stop contacting me. I receive 2-3 letters a month, and a minimum of 3 phone calls a day. When I block the number, they just call back from a new one a few minutes lat er.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/22/2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Struggling to pay mortgage

Complaint: We represent a seller in the short sale of his home. We have a Chase short sale approval letter that expires on XX/XX/XXXX. We scheduled this closing for XX/XX/XXXX and submitted the required closing docs for final approval to Chase via a message in XXXX on XX/XX/XXXX and asked them to open the closing task on XXXX as well. We also faxed the docs in and sent via an email to the Chase closer on XX/XX/XXXX. On XX/XX/XXXX, we had no reply from Chase, so we called them to open the closing task and found out our closer was not in the office. I said I needed the task opened and a supervisor needed to be contacted as our closing was now only 2 days away. They opened the closing task XX/XX/XXXX which we promptly completed on XX/XX/XXXX. I called again on XX/XX/XXXX and reached our closer. She indicated that she was out of the office Mon - Wed XX/XX/XXXX to XX/XX/XXXX due to a family emergency. I asked her for status of our final HUD approval and she said nothing had been done with it once she reviewed the file. She said she would try to rush the final review, but no promises. I called back again on the morning of XX/XX/XXXX ( scheduled date of closing ) only to be told that Chase could not accommodate our closing on XX/XX/XXXX and to submit a closing date amendment to extend the closing out 7 BUSINESS days along with a revised closing stmt dated 7 BUSINESS days out. I told them that this was unacceptable as we had done our part to get the final required approval and that Chase had dropped the ball. Buyer is going to have to pay {$510.00} to extend their rate lock that expires on XX/XX/XXXX. Buyer has items on a moving truck to move in today. Not sure what is going to happen to those items or who is going to pay to have them stored for 7 more BUSINESS days or where the buyers are going to live in the meantime. This is not a rare occurrence for Chase - this is a repetitive problem with Chase 's closing procedures. Other major lenders can approve a final HUD for closing in under 24 hours ... .Chase requires 5 days and then it still gets delayed. I ran this all the way thru a manager at Chase escalations and only got lip service.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was closed XX/XX/XXXX and paid as agreed and still showing open with Equifax credit report. This is hurting my credit score and my credibility with my over creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Application processing delay

Complaint: l received material in the mail for a Bank of America credit card. I dialed XXXX to apply. Gave all my information, was told I was approved. After a week had not received a card so I called XXXX, gave my social security # ( because I didnt have a card # yet ) and was told a letter was mailed the day after I applied. I have not received that either.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: My wife and I are co-borrowers on a mortgage loan with Ditech. My wife recently went into bankruptcy ( I did not ). Since this happened Ditech only gives me very limited access to my online account. I have no idea the amount of my next payment ( it was raised for some unknown reason ) and my online statements are blank. The only way I have account access is to call their bankruptcy department and they keep me on hold for 45-60 minutes before they answer the phone. I asked for my payment schedule in writing and they refuse to provide it. It would be nice to know how much I owe each month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Struggling to pay mortgage

Complaint: In  XXXX   XXXX , we began the short sale process an behalf of our clients,  XXXX  and  XXXX   XXXX . At the end of  XXXX , we were advised that while the  2nd l ien remained with  XXXX , the first lien had been transferred to  SPS fo r servicing. The short sale package was then duplicated  to SPS  on  XXXX   XXXX ,  XXXX . Since then , SPS  has done nothing but drag its feet in the processing of the short sale application, nit-picking documents claiming certain information was missing when it was indeed on the documents and then claiming not to have certain documents which we would then walk them through the package by page # to prove that the document was indeed in their possession. Since then, we have been told that we had a complete package and decisioning would take place within 21 days  (  from  XXXX   XXXX ,  XXXX  ) only to be told on  XXXX   XXXX  they might want a change in the amount to the  2nd l ien. When following up on  XXXX   XXXX , we were then told to significantly reduce the amount to the  2nd  lien whereas we already had approval from that lien holder for the short sale. We then revised and submitted updated HUD to the first and went back to th e 2nd fo r reapproval. We obtained new approval letter from the  2nd and submitted th at, along with the further revised HUD  to SPS. Due to SPS drag ging out the process, I requested that title audit the approval from  the 2nd  and had to make a minor change to the HUD. I have advised SPS that the buyer is getting an xious and that the buyer 's agent is going in for  XXXX  on the  XXXX  of this month and her ability to perform inspections with her client will be very limited. There is no reason for the process to have taken ov er six mont hs time and still not have a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (PA).
Issue: Money was not available when promised

Complaint: I had wired {$50000.00} into Coinbase and followed all of their instructions. Everything was done correctly. I have confirmed with my bank as well as with Coinbase 's bank that the wire went through correctly. Both banks have confirmed. 18 Days later our Coinbase account has NOT been credited. We have contacted their support numerous times. They do not answer support requests at all. We have called them twice only to get the runaround. The last time we called we were told a special would be looking into our situation. Again, no responses. CASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Mortgage (FHA mortgage) with PULTE MORTGAGE L.L.C. (FL).
Issue: Credit decision / Underwriting

Complaint: On XX/XX/XXXX my husband and I entered into a contract with Pulte Mortgage for a new construction home in XXXX, FL. The home was scheduled to be completed in XX/XX/XXXX but was actually completed two months ahead of schedule, in XX/XX/XXXX. Pulte Mortgage denied me the financing on XX/XX/XXXX because I did not qualify for the home ( I was in the process of saving the required funds to close and also trying to rent out my condo to comply with their request since they were counting the rental income to qualify me for the property ), yet they refused to return my {$2500.00} earnest money deposit. Despite various phone calls from me, my real estate agent, and a written letter from my attorney demanding that they return the deposit, we were unsuccessful in obtaining our {$2500.00} deposit returned to us. It hardly seems fair that Pulte Mortgage initially approved us, then denied us at the last minute and sold our property to someone else at a much higher price when we complied with everything they asked of us. All I want is for them to return my {$2500.00} deposit since they did not give me enough time to qualify for the home, they denied me, and they cured the situation by selling the property at a much higher price than what I was supposed to pay ( I had received a pre-construction price ). Given the fact that they pushed the closing two months ahead of schedule and they were able to cure by selling the property to someone else they should have released my deposit back to me since we did everything that we could and really wanted to buy the home. Please investigate their practices and demand that they return the {$2500.00} deposit to us. I had almost given up when I was recently made aware of your organization and that I may still be under the statute of limitations to receive consideration for our situation. Your assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NE).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citigold checking account on XXXX XXXX under a promotional offer ( XXXX ) that promised XXXX XXXX XXXX miles after completing two requirements : { {$1000.00} } dollars in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. When I first opened the account, I had a call with a Citibank representative regarding an issue with funding the account ; I was unable to fund the account in the manner that was originally advertised, but she did confirm my enrollment in the promotional offer as stated above. I completed the requirements and reached out to Citibank to confirm ; the customer service representative confirmed that I had met the requirements and would receive my AA points within 90 days. I waited 90+ days and still had not received my points, so I reached out to Citibank multiple times with their response being that I needed to wait longer to receive my points. After many months and further inquiries, Citibank finally told me they would open an " investigation '' regarding the points I was due. The conclusion of the investigation was that I would not be receiving my points despite being eligible under the terms and conditions and meeting the requirements for the promotion. Unfortunately, I did n't save all of the documentation ( mostly secure messaging and chats ) since I was getting positive information from Citibank a majority of the time ( " yes, you 're enrolled '', " yes, you qualify '', " yes, you 've met requirements '', " yes, you 'll be getting your points '' ) and I also did n't realize until it was too late that you have to actively save messages ( most other companies keep messages until they 're actively deleted ).

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 03/15/2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Southwest Credit XXXX continues to harass me

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 04-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My original consolidated loan was {$42000.00}. In hard economic times as I fell behind in my payments I would get calls in the morning, afternoon, evening and even wee hours of the night from extremely rude individuals from the other side of the world. I was called a deadbeat ( imagine that with a XXXX accent. Against threat after threat of default and the devastation that would ensue I was convinced to defer ... defer ... ..defer. A move that would add outstanding interest into the loan amount and assault me at 8 %. My current loan balance is {$140000.00}. 
I wrote the executive level of Then Sallie Mae and I received a phone call from a woman ( her name escapes me ) who told me regarding the tripling of my loan in interest ( by the by, I am paying interest on interest, on interest at this point ) " XXXX, it 's like paying off a house mortgage. '' Baffled by her ignorance I replied, " Hence you get to XXXX me in interest for the rest of my life and I have nothing to sell to retire on ''. 
I entered the IBP program with the understanding that 10 in years ( as described by a Sallie Mae employee ) I would be eligible for " forgiveness '' : On a yearly basis I would call in to reapply for IBR and would reconfirm that I was a year closer to the ability to apply for " forgiveness ''. Last year, as I approached my 10th year of IBR, when I called in for the application for IBR I asked the associate how I start the forgiveness process. She confirmed that I was at the cusp of being able to apply and that she would send me the application and forms to fill out via email. 2 days went by now email. A week went by no email. I called back and again was told I would receive the forms via email. Once again, no email. 
After months of phone calls and finally reaching the office of the advocate ( who quite frankly only advocate for their CEO ) I was told, very rudely, that I was in a 25 year IBR program and basically I was an XXXX for not knowing that. 
I assume you can imagine my disdain for Sallie Mae, XXXX or any other predatory lending institution that hide behind legislation to interest XXXX American citizens with deceit and hard interest rates. 
Of course to add insult to injury, I earn slight too much annually to write off my interest paid on my annual taxes, the amount is a ridiculously low threshold for thse of us living in XXXX. 
Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Application, originator, mortgage broker

Complaint: I received an offer from Chase, which owns my mortgage, to apply to a lower rate. I applied and was rejected. The application involved a credit inquiry which lowered my score. Since then I 've continued to receive offers to apply to lower my mortgage regularly. I requested that Chase remove the inquiry that lowered my credit score and stop sending me offers.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: There's 6 unknown addresses on my credit report,

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 01/27/2016 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX District XXXX Identification number XXXX judgement XXXX Address identification number XXXX They are stating that I owe then {$11000.00} on my credit report. I only owered {$1700.00} which ahs been paid. This wa from 2010. This has stopped me from buying a house because they have entered the number WRONG. I have tried for 5 years to get it right with XXXX.The other XXXX credit reporting agencies have deleted it. PLEASE HELP. HAVE it all removed today. 
Their address is XXXX XXXX XXXX XXXX XXXX KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Payday loan) with Integrated Recovery Services (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: He called and he started threatening me. He asked why I had n't paid for it since may when I said I did n't work and he called me a XXXX. He started saying that I was never going to have credit and that as a XXXX XXXX XXXX I cant even keep a bill that I was supposed to pay and that he could do it his self. He started calling me a bum and disrespecting me which is n't right never gave me the opportunity to say if I wanted to take care of it. I informed him that I do work.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Received notice from IRS of a tax notice. Upon making payment, XXXX/XXXX/2010, there was a tax lien file. Unable to get an explanation from IRS and Experian as to why tax lien was filed on same day as 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 non-monetary relief
Consumer complaint received 09/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Other service problem

Complaint: I made my Coinbase account when I was in the XXXX and used it there for a couple of months before moving to XXXX XXXX. Throughout the past couple of months, I 've been using the Coinbase app, but when I wanted to sign in using my laptop on XX/XX/XXXX, I was told to verify my account with my ID. Since I do not hold my XXXX phone number anymore, I had to change my phone number to access my account. That went well. However, as soon as I submitted my ID, my account was XXXX. I contacted Coinbase twice, and I have not yet received any information regarding my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: The complaint is between XXXX XXXX XXXX & the XXXX Chase XXXX Rewards Card that I hold.

I purchased a vacation through this service on XX/XX/XXXX in the amount of {$5500.00}, charged in full to my XXXX Chase XXXX Rewards credit card.

That purchased included an itemized summary of Flight & hotel. Ground transportation. And a Package Protection Plan.

The Package Protection Plan cost {$340.00} in premium and policy stated on Page 1, the right to change or cancel for any reason prior to the scheduled date ( XX/XX/XXXX ) for a full refund.

I canceled the trip on XX/XX/XXXXover the phone with XXXX XXXX XXXX and was verbally today the amounts of the refunds that I was set to receive. In no particular order, Hotel was to be refunded in the amount of {$2200.00} Ground Transport was to be refunded in the amount of {$300.00} and Airfare was to be refunded in the amount of {$2700.00}. I would stand to lose the insurance premium as expected in the amount of {$340.00} The amounts {$2200.00} and {$300.00} were refunded promptly ; however the amount of {$2700.00} has yet to be refunded, now four full months later.

Calls to XXXX XXXX XXXX XXXX were made at least 10 times. Documented online requests through customer service are available for review on XX/XX/XXXX. Phone calls to offshore agents and elevated to supervisors on staff were made, notably a saved voice mail on my cell phone dated XX/XX/XXXX indicated that I should not worry ( supervisor ) that the refund and confirmed amount of {$2700.00} was being processed.

XX/XX/XXXX - I wrote a letter to the firm documenting my complaint.

Today,XX/XX/XXXX i logged another phone call to a " supervisor '' again being told that the amount of refund was above his authority, but that he was elevating it to the right level to assure me that it was being processed.

Four month 's later, at an interest rate of over 21 % - I am sure that I have paid well over {$2700.00} I am owed this money without question. The insurance policy that I purchased was purchased indeed to protect me from this very issue. Perhaps I also have an issue with the XXXX Casualty Insurance Company, pursuant to policy number XXXX

Company response to consumer: Closed with monetary relief