milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2016 about Debt collection (I do not know) with RAB, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The regional Adjustment bureau continue stop calling me incessantly. The called 50 times in 10 minutes even after speaking to them. They are accussing me and my father of owing somethin we do n't owe. They are verbally abusing and harassing me, my family, and people in my office. They were extremely aggressive and extremely rude. 

XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 12-03-2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NJ).
Issue: Fraud or scam

Complaint: Coinbase.com n local XXXX trying to buy bitcoin to invest n the scamed me for aXXXX on coinbase XXXX  on local bitcoin

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (Other debt) with National Credit Systems,Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I sent written correspondence to National Credit Systems as well as their attorney via registered mail informing them of my correct address and asking for verification of the debt. TO DATE, I have yet to receive any verification of the debt or any written correspondence at all. Today, XX/XX/XXXX, I contacted National Credit Systems successfully after many unsuccessful attempts and was treated with complete contempt, despite all of my attempts to be professional. I was put on hold abruptly on many occasions and given excuses about there being phone issues, " a skeleton crew, '' and I was barely able to understand what was being said because the phone lines kept cutting out on the other end. I could n't even get my full account number and was told hastily by XXXX that " he 'd get back to that. '' I informed XXXX that in the six-seven months since my written correspondence had been sent to NCS, I had received nothing in return, despite multiple letters that I had sent and confirmed delivery of, via USPS. XXXX intimated that perhaps I had not provided NCS with the correct address, although I did provide them with the correct address and have received all mail from that address and continue to do so to date. I updated NCS with my current address even though XXXX implied that I should give them a better address. I will continue to send written correspondence to NCS as well as to the credit bureaus asking that this debt be removed since NCS has been unable and unwilling to do anything other than state that their " computer systems '' show that they are sending correspondence back to me, none of which I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Background screening for lease on new house turned up someone else associated with my social scurity number on credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: equifax is having data base problem i call them several time trying to have it fix i chat with customer service and they say they can not help it been over 180 days since dispute

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.

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 10/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On the day I opened my citi bank double reward card i asked about waving a balance transfer fee, the representative advised it would be waved. 
I called to confirm the transfer fee wave and i was told they did not honor 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 12-10-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2015, I was contacted by Di-Tech and informed that my escrow account had a shortage. I was given the option of having the shortage rolled into my monthly mortgage note or to pay the difference so the mortgage note would keep its regular balance. I opted to pay the {$320.00} to keep my mortgage note the same so I paid the balance over the phone. I was contacted 3 weeks later by Ditech with the same exact scenario. I told them I had paid the balance and asked them to update their records. Every three weeks thereafter Di Tech has contacted me telling me that I owe money and then charging me late fees. For example, on XXXX XXXX 2015, I sent my monthly mortgage note to Di-Tech. I received a call on XXXX XXXX saying that they had received a payment and I needed to pay over the phone to avoid late fees. After paying over the phone, I found my XXXX statement which showed that they had received the funds but the funds had been " unapplied ''. I have spoken to several supervisors about this issue and each supervisor looked over the account notes, apologized profusely, and told me they would sent me an update escrow analysis sheet. I have yet to receive XXXX updated escrow analysis sheet.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I have been Hustling to try to get this HAMP modification with BOA sence XXXX, they pull every trick in the book, they are very good at there game, I am extreamily tired, they are winning this battle to foreclose on my home because the CFPB are not making them play by the rules, they say they sent me a HAMP modification in XXXX, it had the partners name ( XXXX XXXX ) on every page, like he was applying for the modification as well, we split up in XXXX, I had him arrested for XXXX & XXXX to XXXX me as well.every time they send me anything at all it says Dear XXXX XXXX XXXX and XXXX XXXX.They have a capy or XXXX copies of the Special waranty Deed from XXXX county court house, signed by him too. The payment was already late when they sent me the payment book. 
When is this ever going to end.I must have a home not a apartment to keep visitations with my son who is XXXX, Please Help. XXXX tell me what I can do, Im tired but will never stio fighting to keep my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is saying I owe money. I have not used XXXX in over 10 years. Yet debt collectors keep reselling an old account. Copied from my credit report : Account Details Last Reported XXXX XXXX, XXXX Collection Agency CONVERGENT Original Creditor XXXX XXXX USA Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$970.00} High Balance {$970.00} Remarks Placed for collection Creditor Contact Details CONVERGENT OUTSOURCING XXXX, WA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi I am contacting you because I keep reaching out to the credit bureaus to update my balances and and remove the fraudulent credit inquiries off my reports as there should be none. This is all causing a tremendous amount of unnecessary stress and I am XXXX and so is my son so you can only imagine what this is doing to me and my child as I am trying to move and do to false information on my credit report is causing things to be even more difficult. XXXX is definitely doing illegal things to lower my score like deleting positive things off my report instead of fraudulent things and leaving things on my report like the fraudulent XXXX XXXX credit inquiry which I provided them with a police report and they still haven't removed it yet nor have they updated my balances. My information was in there data breach but they still refused to give me my points back that they found away to take back at this point if they don't stop reporting inaccurate information I will be pursuing a lawsuit because there actions are unfair to me and my XXXX child and we may end up homeless do to there false reporting.

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 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Received a recently requested credit report from TransUnion that reflected an error under the  Third Party Supplemental Section ( Public Records ). This section reports a Foreclosure ; hence the dispute. Credit Bureau Reps were unable to assi st with the investigation -- only giving contact information for   XXXX   XXXX     This company could not investigate my dispute. In essence, I was informed that there is NO FORECLOSURE in my credit report that potential lenders view, but the re IS one listed in the Public Records Section that is inaccurate. Pl ease investigate!

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 10/26/2016 about Consumer Loan (Vehicle lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (IN).
Issue: Managing the loan or lease

Complaint: I leased XXXX Nissans on XXXX/XXXX/16. We then went back on XXXX/XXXX/16 with my daughter who purchased the XXXX Nissan. Was told at the time of getting the lease, the payment would be due in XXXX. In XXXX, I got the bill for XXXX of the leased vehicles and the purchased vehicle. I called inquiring about the other leased vehicle. Was told at that time, nothing had been received for financing from the dealership. I was told they would remove any late fees if they were charged. I called the dealer twice about the paperwork. Never got a call back. Then on XXXX XXXX, I got the bill for the leased vehicle with a due date of XXXX XXXX ( bill came 2 days after due date ). There were late fees assessed. I called and was told they would remove the late fees, but I needed to pay for XXXX and XXXX. I was also told I was reported the credit bureau for XXXX because I did n't pay. I did n't pay because they did n't even have the info in for XXXX from the dealership! They said they would remove the credit bureau hit on XXXX. I sent the payment for XXXX and XXXX on XXXX ( day I got the very first bill ). I inquired because at that time, the bill did n't even get to me until 2 days AFTER XXXX payment. other XXXX cars have been fine, just this XXXX car. The other XXXX I paid in XXXX no issues, and was not late. On XXXX XXXX, I get yet ANOTHER call about late payments. I had just called on 5 days earlier and was assured they were taking care of this issue! I 've been telling Nissan since XXXX I owed them money. Yes, I told THEM I owed them. But now, I 'm getting late charges and being harassed about payments. The paperwork was late from the dealership. This was not an error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MI).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: Dear Representative, I was advised that I could open a checking account ov er the Internet w/ Wells Fargo Bank and for the la st  XXXX  seem to go no were with this simple task. Over this experience there was  XXXX  applications submitted with-out any success . Still four weeks have gone by with no account being opened.

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 07/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 01-07-2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had previously had my home phone disconnected due to non payment. I paid XXXX XXXX directly and they reconnected my phone, The collection agency they had turned it over too reported it to all collection bureaus. I have sent them notification that this was paid and if I had not paid it I would not currently have phone service. I have sent numerous letters by mail including certified mail, emails and made phone calls to dispute this. They have still not removed from my credit file. 


XXXX XXXX XXXX Opened XXXX XXXX, XXXX {$230.00} Original creditor : XXXX XXXX XXXX XXXX Creditor Information XXXX XXXX XXXX  XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXXXXXX XXXX, SC XXXX ( XXXX ) XXXX I do not know what else to do. Can you please look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I feel as though I have been a victim of predatory lending by navient. I was steered into a tuition answer loan twice by my school and ot was not clear to me at that time that this loan was in a niche catagory meaning that it was not technically a student loan nor was it technically private. Meaning that it could not be eligible for income based repayment because it 's " private '' nor can it be claimed under bankruptcy because it is a " student loan. '' I was on XXXX at the time that I got these loans and having trouble making ends meet. I feel that I was pushed into it by my college, which is now defunct. I had a XXXX and to this day I continue to struggle being that I 'm not at a high paying job and I remain on state based health insurance ( XXXX and XXXX, which I pay for now ) in order to keep my XXXX going with very expensive XXXX. I have limited options in repayment and the amount due almost equals XXXX of my bi weekly paychecks leaving me little to live on. I was steered by navient into a " lower interest rate '' plan but had no idea that doing so would not help me pay any principal at all. Also even though my payments are on time being in this low interest plan payment has limited my options and ability to have my consigned released. I was not educated as to the stipulations of these loans and it has literally ruined my life. I continue to depend on others and my family because this has tarnished my credit history. I feel as though i would have made a better choice as to not applying for these loans had I known the turmoil I 'd go through in my life due to their damage. I think they take advantage of navet of students who are trying to make ends meet while in college and not aware of the actual terms until it 's time to repay and you are out of options. Not all of us graduate from college and land a high paying position and in order to pay these back that 's what would need to happen. And especially with these sneaky loans disguised as student loans which are not really private otherwise I 'd have gone bankrupt to help my situation. I need help and I 've been hearing of a lot of lawsuits regarding this company and others going through the same or similar circumstances. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/, 2017, I purchases a new vehicle at XXXX XXXX XXXX. I noticed that on my credit report there are three ( 3 ) hard inquires which were not all authorized by me. The unauthorized inquiries are from the following financial institutions : 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Other mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Today, XXXX/XXXX/16 I went on Ditech.com the company who services my loan to make a payment on line and received an error message on each attempt I made to make this payment on-line. The screen error is attached. I then called the XXXX number and was routed to the automatic payment by phone. I again was not able to make a payment by phone. At this point I was router to a customer service rep. the customer service rep. said she would process the payment and stated it would be a {$12.00} convenience fee. I said on the web it was {$10.00} and she then stated this is why it is not working on the web or on the automatic phone. At this point I had wasted XXXX minutes of my morning, I asked for the fee to be waived, she replied no. I asked to speak to a supervisor, they supervisor XXXX said she could not waive the fee either. I said fine I will pay the fee and I am filing a report with the CFPB, magically the fee was then waived. I am not sure if they broke any laws however it is making it difficult for consumers to make payments, based on the fact they offer an on-line payment and pat by phone and neither was working you would think out of common courtesy they would waive the fee until it was fixed, especially because the fees showing on the web and spoke on the phone are different from what they then tell you when you speak to a live person. Not to mention they also got statements out late which on their message when you call in and final XXXX out late as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose prepaid card) with U.S. BANCORP (FL).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I submitted claim XXXX previously about money stolen from my US Bank cards. I received a response from US Bank saying that they would reinstate balance on my cards and mail me replacement cards. I received replacements for all cards, except the card ending XXXX. I contacted them several times over the phone asking about this card and each time I was told that they would escalate and I should receive a replacement card with {$200.00} balance within few days. It has been several months and I have never received a replacement card.

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 04-06-2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I co-signed a student loan ( NJCLASS ) for my daughter, XXXX XXXX, in XXXX. She was the first of our children to go to college and we were in unfamiliar territory when it came to financing. When my daughter left school in XXXX, she began to be contacted by her lenders regarding repayment of her student loan obligations. The NJ Higher Education Student Assistance Authority ( NJHESAA ) did not contact us, for whatever reason. XXXX began repayment with all of the other ( XXXX ) lenders and remains in good standing. We were eventually contacted by XXXX XXXX, a law firm that represents NJHESAA, and told that we were in default. We immediately explained that it was an oversight but signed the repayment agreement ( which DOUBLED the initial student loan amount ) to get in good standing. Payments have been made since XX/XX/XXXX and are current. 

Despite the fact that XXXX XXXX provides a letter showing the payments and stating in writing that the account is current, NJHESAA continues to report both XXXX and me as in default/delinquent. Both of our credit reports have been severely damaged due to this. I have attempted to deal directly with NJHESAA and they have told me they are free to report whatever they want and even though they acknowledge I am in good standing with XXXX XXXX, they will continue to report as they see fit until such time as the loan is paid in full. They are rude and have hung up on me multiple times. I have attempted to go through the credit bureaus with disputes but they have the same result. I am currently paying CreditRepair.com for their assistance in getting these incorrect reports removed, and am considering a Fair Credit Reporting Act lawsuit in the event that does not work because of the amount of problems this reporting inaccuracy causes. 

It has also prevented my daughter from consolidating her other loans for a more affordable payment because of the improperly reported payment status. I am sorry we ever got involved with a NJCLASS loan.

Company response to consumer: Closed with explanation