milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ballybunion Enterprises, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had MCS ( Military Credit Services ) call me several times saying they are trying to collect a debt from me that is well over two thousand dollars. I told them it was n't mine and to send me a copy of the account and whatever else that proves it 's mine. They said I should receive this courtesy letter since they already sent out XXXX. 
They asked me for my mailing address and I told them that if they were speaking to me then they had my address. 

I never did receive that copy of my account with them. Yet, they called me again a few months backs. 

When she told me who she was, I informed her until I get a copy of the account, letters sent out to me and whatever else like I asked the last time they called to stop calling me because I did n't open up an account with them nor purchased an item that I had to finance. 

I hung up then blocked the number. 

Now I have checked my credit report and I have a hard hit from them. I check my reports about every six months. 

Its bad enough dealing with XXXX. I 'm XXXX. I 've been working on my credit myself but when this happens its depressing and frustrating because if I ever need t finance I ca n't. 

IM REALLY UPSET.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Office of Attorney General ( no acct # noted ) Unverified Account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have wrote numerous amounts of letters as to proof or actual application to the inquiries since I am a victim of identity theft and dont recall applying for these accounts. I also wrote to the major credit bureaus and nothing has been resolved

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 04/17/2017 about Debt collection (Medical) with GLA Collection Company, Inc. (KY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: i have XXXX insurances. they did not file to XXXX insurances

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 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: I obtained a copy of my credit report in XX/XX/2017. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/2017, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my XXXX and Transunion reports immediately.

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 11-10-2015 about Debt collection (Payday loan) with Premier Recovery Group (LA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: There is a woman named XXXX, her extension is XXXX. The phone number to this debt collection company is XXXX. I never can get a clear answer of the name of this debt collection company, but when I did call after receiving threats from XXXX, she continued to try and get personal financial information of mine from me. She, or whoever else continues to call my mother 's house and leave information about the debt and what they are going to do if I do n't pay it. They continue to say they are going to take everything I own, going to sue me, I was talked very rudely to on the phone. I do not appreciate how this was handled. I do not dispute the debt, however, things could be done in a lot more nicer and professional manner. I would like them to cease contacting my mother 's house. I do not live there. I do not know why they continue to bother her with my personal business. The website I used to get the loan was okay to begin with ... the way people were able to get the amount of a loan needed, and pay it back on the next payday. Their policy was owing 10-15 % plus the amount of the loan. Then, for some reason, they changed their policies, not giving really any good reason as to why the change, and the website was not explanatory enough as to charging a certain interest rate per day that you did n't pay the loan back up until your payday. I kept it up for a while, until it just got so ridiculously expensive, and I just could n't do it anymore. I could not afford what they were trying to charge me and it was racking up charges left and right..just bewildering me. What I do not understand now, is why all the hostility over a debt? Why call and say I 'm in trouble, I 'm being sued, they want my financial information, they want to wipe everything out of mine, rather than it be something that just goes on my credit at the end of the day? Does it have to be this hard? I understand it is my debt, but when I can not do anything about it, and I continue to get harassed and heckled about it, even my mother 's ... should something be done to relieve my situation?

Company response to consumer: Closed
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my Credit Report and found XXXX/XXXX put a charge off on my credit report for the amount of {$1600.00}. On the date of XX/XX/XXXX I wrote XXXX/XXXX a certified letter asking for validation that is competent evidence bearing my signature. 
XXXX/XXXX received the certified letter on the date of XX/XX/XXXX. 
XXXX/XXXX responded on the date of XX/XX/XXXX Stating they reviewed the account and verified that they have reported this account information as it appears in my file, to the credit reporting agencies, XXXX, Equifax, XXXX and XXXX. And further state that they can not delete or modify the status as it reported. 
XXXX/XXXX sent another letter in response to the first letter. XXXX/XXXX  also states that the account in question was sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX/XXXX never provided me with the validation I requested, and never acknowledge that the file in question was being formally disputed. 
On the date of XX/XX/XXXX I wrote another certified letter to XXXX/XXXX stating that they did not validate the debt in question via bearing my signature. 
XXXX/XXXX received the second certified letter on the date of XX/XX/XXXX I never received a response to the second certified letter. 
OnXX/XX/XXXX I pulled my credit report to find out if XXXX/XXXX had marked my credit report as disputed. And found that XXXX/XXXX had not marked my file as disputed, and as to this day of XX/XX/XXXX my file is not labeled disputed. 
I sent a third certified letter to XXXX/XXXX on that date ofXX/XX/XXXX notifying XXXX/XXXX they did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by XXXX law to place a " notice of dispute '' on my account within 30 day of my dispute, in which they signed for onXX/XX/XXXX. I retained a copy of their signature and date of receipt, as well as a time stamped copy of my credit report, showing that XXXX/XXXX has violated the Fair Credit Reporting Act, section 623 ( a ) ( 3 ) and / or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 
XXXX/XXXX received the third certified letter on XX/XX/XXXX And yet again XXXX/XXXX has failed to respond to the certified letters I have sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Mortgage (VA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OR).
Issue: Application, originator, mortgage broker

Complaint: My husband and I applied for a mortgage with Bank of America and I believe we were turned down because he is a XXXX vet and of XXXX heritage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX, I initiated a wire transfer of the amount of {$2000.00} from my bank ( XXXX XXXX XXXX ) to the following recipient : Coinbase, Inc XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Routing/ABA Number : XXXX Account Number : XXXX Recipient Instructions/Message : XXXX ' On XX/XX/XXXX, the wire transfer of the amount of {$2000.00} was reversed which is reflected in my bank statement. 

On XX/XX/XXXX, {$2000.00} was sent from my bank account to Coinbase however this amount was not transferred to my Coinbase or GDAX account and the balance does not reflect the transfer was completed successfully. 

I 've sent 2 emails to the Coinbase/GDAX support team on XX/XX/XXXX and XX/XX/XXXX and have not received a response from them. 

I would like to cancel my wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I applied for refinancing my current mortgage with Bank of America and it got denied because they claim that they did n't get the accurate employment history from me even though I sent in all my previous XXXX 's and an offer letter for a new job on X/XX/17. After emailing all the information XXXX XXXX from BoA has requested, he assured me that everything ( including all my XXXX 's ) looked great and asked me to charge my credit card for the appraisal fee of XXXX on X/XX/17. At the end, the underwriter denied my application because not being employed for the last 6 months continuously was against their guidelines. Afterwards I asked for the reimbursement on my appraisal fee since it 's truly due to his oversight on this matter. If not being employed for the 6 months was indeed a problem, then he should have brought it up then. Instead he asked me to move forward with the appraisal without reading all the documents I emailed him. I tried to resolve this matter amicably by emailing him multiple times but I did n't get any response regarding this matter. I would really appreciate your help on 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 05/19/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (FL).
Issue: Settlement process and costs

Complaint: The CFPB submitted my XXXX complaint against XXXX, them not allowing me to access my loan account on-line. CFPB here closed the file of such complaint allowing accepting XXXX response that-they XXXX saying they will not even entertain or answer the complaint because I did not have a my legal Representative my attorney XXXX XXXX XXXX, contact them to allow access, -so .... 
Obviously very so you guys here CFPB not doing your job letting them get away with such excuse for violations to federal laws. Nonetheless my attorney did advised and requested from the law firm XXXX XXXX, XXXX Fl, representing XXXX in my foreclosure case to allow my access to my loan account on numerous over XXXX times times now. XX/XX/2015/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/2015 and nothing yet for today still today XXXX XXXX 2015 I cant yet again access my loan account at XXXX on line. You guys here know why? dont be surprise obviously why yet again fraud by JPMorgan Chase Bank with XXXX by and through Fannie Mae Currently the record of my Foreclosure case, XXXX, Florida XXXX County Court XXXX Judicial Circuit shows that JPMorgan Chase Bank through XXXX authorized by government bank named Fannie Mae yet again once again in violation of the federal laws and violating XXXX XXXX District Court injunction decree to cease all the fraud and comply with the law or paid further greater penalties that could lead close down entity But no, you guys here not doing your job statutory mandated you must do. 
So come on lets do this and grab a hold of them, if not, then obviously you CFPB are allowing here fraud upon the people you guys part also of JPMorgan Chase Bank pack in the same plot.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Mortgage (FHA mortgage) with Forthright Funding Corporation (CA).
Issue: Application, originator, mortgage broker

Complaint: In XXXX of 2015 I was offered a streamline reference opportunity by XXXX XXXX and XXXX XXXX from Forthright Founding on the first conversation and multiple conversations during this process I was reassured multiple times on a recorded phone line that there would be no out of pocket expenses to myself. On XXXX/XXXX/15 I was contacted by XXXX XXXX to go to my bank and wire {$830.00} to XXXX XXXX XXXX XXXX witch was the cost to close and if I did n't get to the bank and do it immediately the streamline would not close that month. After filling a compliant against Forthright Founding I was contacted by XXXX XXXX who has confirmed the {$830.00} was cash to close and I was simply given a better deal for paying the cash to close, however this was a bait and switch by Fourthright Founding. I was baited by being told there would be absolutely no out of cost expenses then called and rushed at the last minute to wire {$830.00} to XXXX XXXX XXXX immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX XXXX XXXX has reclassified several paid acounts with XXXX balances as collection accounts. These accounts were paid off by a student loan consolidation.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: This account is not being reported correctly, this account was paid off because it was in a car accident and had gap insurance. It was never charged off. 

You 've paid off 100 % of the original amount. 
Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 9 mos ) Term 72 months Payment History Youve made 100 % of payments for this account on time.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type Auto Responsibility Individual Remarks Paid charge off Fixed rate Times 30/60/90 days late 0/0/0 Closed XX/XX/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 09/25/2017 about Student loan (Private student loan) with ACS Education Services (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I XXXX my husband and then. my daughter got incredibly ill- during that time my student loans got sold to what I believe is a XXXX  subsidiary. I asked my lender to adjust my payment amounts - I was not working full time nor much at all as I was at hospital with my family - I offered documentation and was told that if I did not pay the amount ( over $ 1000/month ) I would default. I explained that my income had dropped substantially and that I worked in public health - so already was not really making much money - and offered to pay several hundred dollars a month as a good faith payment. They refused. I finally took a forebearance - they told me there was not other option. I understood that this would interrupt making 120 payments in a row but had no other option. I was told the forebearance - and interest accrued -would cover the missed payments in XX/XX/XXXX- yet they still appear on my credit report as red marks. Similarly- I tried again to get a smaller payment per month in XX/XX/XXXX -  was told it was not possible - got another forebearance and this time there was an error in the report- but the loan company never told me that nor responded to my many inquiries about the status of that forebearance ( again a late mark on my credit report for a month I am now being charged interest on ). I just found out that as someone working in public health and also as someone who wanted to pay her loan a lesser amount- my lender and its servicer where required to work with me - I believe they had me take the most expensive and the option that profited them the most- rather than helping me pay my loan at a lesser monthly amount while I was undergoing incredible duress ( again - all documented medical, lowered income, paper trail on the communication with the loan people )

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Debt collection (I do not know) with Van Ru Credit Corporation (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a letter from the Van Ru Credit Corporation dated XXXX/XXXX/2015 stating that Van Ru was attempting to make a debt collection in the amount of {$25.00} on behalf of XXXX XXXX XXXX XXXX. I received no contact from XXXX XXXX XXXX regarding my " debt. '' The last I used any medical service through XXXX was in XXXX 2015 in which I processed payment on XXXX XXXX, 2015. This claim presented to me from Van Ru is erroneous. When I went to their online site at XXXX, I saw that the url was not secure meaning that if I were to disclose any financial information on that site, it would not be safe. The notice from Van Ru does not describe the service and date in which the obligation was incurred. I know the claim is invalid and I found multiple reviews online indicating the debt collection scams perpetrated by Van Ru.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief