milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On XXXX XXXX, 2017 Experian charged my credit card {$27.00}. I never had any contact with Experian, never purchased anything, and most importantly I NEVER PROVIDED EXPERIAN WITH MY CREDIT CARD NUMBER. 

Experian illegally obtained my credit card number and illegally charged my credit card! 
I attempted to contact Experian several times and was on hold for over 1 hour and 45 minutes before being disconnected.
I was forced to contact the credit card company to have them cancel my card as it was compromised by Experian.

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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Performant Financial Corporation (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On X/X/17 I mailed the company a letter stating the following : Upon review of my current credit reports, it showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I authorized it. I did not apply for credit with your company nor did I give you authorization to pull my credit report. 

The company responded that they were authorized to access my credit report resulting in a hard inquiry because they received a delinquent student loan account from their client, XXXX XXXX XXXX. Not only have I not heard of XXXX XXXX XXXX to confirm that they were ever an owner of my student loans, but Performant was unable to provide me with proof of me having an account with XXXX  that was subsequently transferred to them, naming them the legal owners of the account. Therefore, Performant is illegally accessing consumer 's accounts. This was an unauthorized inquiry, and it needs to be removed from my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Medical) with RSH & Associates, LLC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has reported a debt from RSH and Associates for {$2300.00}. I called and inquired about the charges. RSH purchased debt from XXXX, now no longer in business. I never ordered or received the sleep equipment that the current creditor ( RSH ) claims that I received from XXXX. I spoke to RSH representative XXXX XXXX at XXXX. I asked XXXX for documentation with itemization of the bill to provide me, since I never received any sleep equipment. XXXX XXXX stated " I 've noted your account that you are disputing charges, but we will not delete it ''. I then asked if I could get a copy of the original invoice, he told me that they were not required to provide any documentation from the creditor regarding charges owed. When I asked to speak to a manager or supervisor I was told " that is not an option ''. XXXX said the manager said he refused to take the call. He would not provide the name of his manager and hung up on me. Without any documentation of the creditor services, equipment or charges this item should be removed my XXXX credit report altogether according to my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with PENTAGON FEDERAL CREDIT UNION (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Yesterday night on XX/XX/XXXX, I submitted a complaint about that XXXX keeps illegally information which was successfully discharged by FEDERAL JUDGE in Washington DC in XXXX. I already contacted XXXX about this problem in XXXX, they did not respond to me and explain why and what for XXXX still keeps illegally outdated info, which was removed from all credit reports in XXXX? According to US Trustee - who made payments to PFCU- she paid in full for PRINCIPAL to XXXX. 
the XXXX got in full payment for principal. 

I also have had an attorney for Bankruptcy ( RECESSION TIME XXXX ) whom I informed about this and I asked XXXX to contact my attorney and not me PFCU still is keeping a feature on my account at XXXX, and asks me to make PAYMENT. also this case was discharged in BK in XXXX. Case closed. 
JUDGE wrote on the ORDER : no creditor collector can come to me and ask for payments after it was discharged in the court of law. 

The XXXX still keeping old pre BK info and statements and still asks me to make payments. 

I have no other choice but to notify my attorney for BK about this violation of the bankruptcy law. 
FYI BK CH XXXX to stop foreclosure was successfully discharged in XX/XX/XXXX. 

I submitted complaint yesterday night, it was emailed to XXXX, I received a response today : that they deny to me in credit card because I was causing them a loss in XXXX. 
I did not ask them for credit card. I asked XXXX to remove illegal improper information what they keep there on my account and they ask me to make payment for the card which was filed and discharged in BK CH XXXX to stop foreclosure. 
They can not ask me for payments and now I will contact attorney about this.

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 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: these debts were paid off in full and still put on my credit report anyway. ( XXXX XXXX XXXX. Stellar Recovery was given my visa card # to take the money directly from my checking acct. XX/XX/2016. I called asked why they did not take the payment out. I was given the run around so on XX/XX/XXXX I called XXXX and paid them with my Visa card on XXXX XXXX 2016 my acct. was at that time paid in full. I then called stellar recovery told them what I had done and why.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Settlement process and costs

Complaint: I am in the process of selling my house at XXXX, Ohio XXXX. I know the buyers, and have worked with them and their bank to expedite all needed documentation. The bank working with them is Chase. The disclosure papers were completed end of XXXX. The appraiser conducted his visit on XXXX, with no resulting issues. It is now XXXX (!!! ) and this sale did not go through for no apparent reason! I was told the underwriters are backed up?? Is thisconsidered acceptable practice? I find it incredibly dismissive, unprofessional, and abusive. Can something be done about this please?

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: I vacated the house I owned in XX/XX/XXXX or XX/XX/XXXX. My wife at the time moved out and I could not afford all of the bills I had on my own. I filed for bankruptcy and moved to an apartment. I surrendered the home in bankruptcy. I have no interest in moving back into the home, since I have started a life in a completely different area. I have taken excellent care of my finances since that time. I would like to buy another home in the near future and I am approaching the necessary waiting period after bankruptcy. However, since the bank never moved forward with foreclosure on my old home, it still appears on my credit report as mine. Also, once a foreclosure would take place, another waiting period would begin before I could buy another home. Realizing this, I contacted a real estate agent and foreclosure lawyer and initiated a short sale XX/XX/XXXX. We are at the one year mark now and the process is still not complete. My lawyer has been great about keeping on top of this and trying to move it forward as much as possible, but the bank continues to delay the process. Many of the issues the bank has been bringing up simply are not applicable to someone in my situation. They have had me provide my budget several times and have asked for me to provide evidence of insurance on the home. I keep telling them that I surrendered the home in bankruptcy over 5 years ago. The bank is Carrington Mortgage. They took over the mortgage from XXXX XXXX XXXX. Please contact them and ask them to move the process forward.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CO).
Issue: Fraud or scam

Complaint: I had {$1700.00} in a Coinbase, Inc account XXXX XXXX, 2017, I sold and authorized sent to my bank account. It has never arrived, most phone numbers for Coinbase are non working, no one answers numbers that do work, emails are not returned and there are Thousands of online reviews stating this is normal for Coinbase and MOST people just end up getting screwed. Coinbase is a scam run by thieves. I have n't filed a lawsuit, there address is virtual so they ca n't be served. I am  filing complaints with the US and New York AG, CFPB, IRS, FBI and Banking Commission. I want my money ... NOW

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX is reporting a debt that is too old to be on my report to Transunion there are multiple inaccuracies being reported such as the date of last payment and the date it was closed. I have disputed it through Transunion multiple times and keep getting the same response that it has previously been verified. This same account has been removed from XXXX and XXXX due to age and inaccuracies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (CO).
Issue: Loan servicing, payments, escrow account

Complaint: 1st issue -- Their website 's is impossible to log into. I believe this is intentional. 
I have done everything asked of me -- over and over again. 
2nd issue- I sent a XXXX check at the beginning of XXXX 2016 for an appraisal ( needed to get rid of my pmi ) No response from Seterus 3rd issue-I would like to know if a lien was dismissed when I filed for bankruptcy several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: A few months ago I had some issues with XXXX XXXX XXXX XXXX repporting XXXX delinquencies to the credit bureau. At the time it had affected my credit significantly since than negative reporting has been removed but my credit has never recovered since than. I have had XXXX XXXX remove an account reporting delinquent completely from the credit report only to be reported by a collection agency. That is incorrect. The last issue is that XXXX XXXX XXXX has falsely reported me for non payment and my insurance on the credit card made a payment for me towards the bill and XXXX XXXX XXXX is alleging that was applied as a credit and they are malesly reporting me for a 30 day 60 day and 90 day. all of which are incorrect. Ever since the XXXX XXXX XXXX XXXX issue my credit was never rescored.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I do not how I have a debt with XXXX when I still and always had a continuous account with XXXX I have disputed this account and no one seems to get it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: After telling AES that my address is no longer at XXXX they continue to send all my paper work there with personal information. I thankfully found out about this! But I 've sent them multiple messages stating this is not my address! I am so glad they are willing to just send out personal information out without care. It is negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Using a debit or ATM card

Complaint: I filed a claim with chase for XXXX this amount was charged to my account from a vendor without my consent. This vendor is XXXX my wife and I stayed at their resort during our honeymoon. Chase asked my to provide docs showing that this amount was settled in cash I provided the receipts that were given to me by the venue to Chase right after I filed the claim. 4 months go by I do not hear from Chase at all and all of the funds are reverse out of my account without notice leaving now with OD fees and huge negative balance. I called Chase to see why this happened, the representative said it was because I never submitted any documents. After explaining to the representative that did in fact submit the documents right away the representative put me on hold and did some research and saw that the docs I submitted were never reviewed. He then proceeded to re-open the claim and the funds were put back into my account and the fees were reversed. Yesterday after nearly 4 months with no notification chase took the funds out of my account again with out notice and leaving my account in the negative with OD fees, this time they said that its because time expired and they cant collect the amount from the vendor, then they said that docs I provided are not valid. No one from Chase contacted me requesting any additional information and Chase never requested the signed bank copy from the vendor. How am I supposed to know that what they have is not valid if they do n't inform me? I spoke to a claims supervisor named XXXX and she stated that people over there do n't know what they are doing that 's why I had to speak to a supervisor, she was terrible and was not able to help me at all. In fact this woman kept taunting me through out the call. Please CFPB help me get this resolved. Thank you so much.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-04-2016 about Mortgage (FHA mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I was approved for a modification through Vanderbilt mortgage and financial, inc. XX/XX/2016. My probationary period was XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I made XXXX payments without any problems. Then at the end of XX/XX/XXXX I was wrongfully terminated from my job leaving me with no income. I was able to borrow the money and called to make the payment on XX/XX/XXXX, I was informed that they would n't accept the payment and that my house would be auctioned off on XX/XX/2016 no exceptions. I received a letter dated XX/XX/XXXX which I did n't receive until the XXXX, stating I did not accept the trial payment plan and that there was no other relief they could offer me. I called on XX/XX/XXXX to inform them again that I was unemployed and that I was lead to believe that the forbearance could be extended because of this. They informed me that nothing could be done and that my home would be auctioned off on XXXX I have not been served or mailed any documentation stating that date. I have only been told XXXX different dates verbally over the phone. I am a single mother of XXXX children and I live in a very rural area that currently has a housing crisis and many people are homeless. If my home is sold I will be homeless as I am unemployed and suffering from anxiety and XXXX from the stress of loosing my job and my house back to back. I answered yes to the question below regarding did they help prevent foreclosure because they did when I was approved for a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Auto debt) with Westlake Services, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Westlake financial is Saying i owe The XXXX for a car. I reported In 2010 to the police that the person signed my name and used my identity i thought This was squared off and now i see It on my credit report.. I dont know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM REQUESTING A RE- INVESTIGATION OF THE INQUIRIES ON ALL  XXXX  CREDIT BUREAUS. THERE ARE  XXXX  INQUIRIES ON MY TRANSUNION CREDIT REPORT THAT I DID NOT AUTHORIZE. AS YOU CAN SEE SOMEONE USE MY IDENITY AND OPEN UP ACCOUNTS IN MY NAME IN  XXXX   XXXX  NEVADA. A PLACE I HAVE NEVER LIVED AND I AM STILL FIGHTING TO HAVE THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT FILE. I DID NOT AUTHORIZE THESE INQUIRIES AND I HAVE MAILED LETTERS TO EACH CREDITOR ASKING FOR REMOVAL OF MY CREDIT REPORT. I AM ASKING AGAIN FOR A  RE  INVESTIGATION FOR THE REMOVAL OF ALL  XXXX  INQUIRIES OFF MY CREDIT REPORT FROM TRANSUNION AND  XXXX  FROM   XXXX   AND  XXXX . I HAVE DONE MY PART BY SENDING OUT CERTIFIED LETTERS TO THE COMPANIES AT THIS TIME I AM ASKING FOR DELETION OF MY CREDIT FILE. THESES WERE ALL FRAUDULENT INQUIRIES

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 05/13/2015 about Mortgage (Conventional fixed mortgage) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I have never been late with a mortgage payment- I was reviewing my account on line for a pay off balance and discovered they had received my XXXX and XXXX payment but had not applied them. They were showing me as delinquent and were threatening to foreclose. After several calls it was discovered that my escrow/taxes had increased XXXX and I was not notified. The first person I spoke with informed me they mailed me notification to the old address and they told me they did not have my new address on file. I proceeded to pay the extra XXXX by phone for XX/XX/XXXX and XXXX. I paid the XXXX payment and included the new escrow/tax amount. I had paid the normal amount in full never missing a month. They have reported me to the credit companies and my credit rating has been negatively effected. They refuse to remove the reporting. It has been a nightmare trying to straighten this out. I do n't understand how they can take my money, not apply it and not charge me any late fees but report me to the credit bureaus as over 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had closed my service with XXXX. The representative told me to wait until the equipment fees cleared to pay my final bill. The final value is due XXXX XXXX, 2015. Sunrise Credit Agency called me stating they owned debt and demanded I pay them {$470.00}. They refused to put it in writing. They continue to call. I paid XXXX the remaining value and cleared the outstanding balance. The XXXX representative did not know who sunrise credit agency was, why they would have the account, or why they would call. She suggested I report the company for false collections.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (I do not know) with Diversified Consultants, Inc. (MI).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Company called saying that I owe them for an alleged XXXX bill. The woman on the phone threatened that this would go into collections and that they 'd garnish my checks. 

I do not know Diversified Consultants, I have never agreed to do business with them, and they are not mentioned on any contract I have signed with anyone. 

I demand that they cease communication and threats with me, and that they remove any traces of their company that are on any of my credit reports. I demand FULL VALIDATION of this alleged debt, including the original contract for the alleged debt signed by me with their company mentioned on contract showing that they have some interest to protect, proof of assignment or ownership and a full chain of assignment, full accounting of the alleged debt, and proof that it is inside the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an Ocwen shared appreciation mortgage! I received a XXXX from them in 2014 for the discharged debt with code I ( IRS code for other actual discharge prior to an identifiable event ). I have a sales contract on my residence where I was led to believe that I owe them 25 % of the appreciated value over the principle reduction! When requesting the payoff they have not adjusted the waived balance and are telling me that it is not discharged and is being added back to my loan balance and is being included 100 % in my payoff to them! They also made me send the sales agreement and pay for an appraisal so they could determine my adjusted payoff! Now they say that I had a default and I now owe them the entire balance even though they reported it to me and the IRS as forgiven debt! This is deceptive and fraudulent business practice and I am disputing my payoff! My house is scheduled to close next week!!

Company response to consumer: Closed with explanation