milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: In 2007, I was a victim of identity theft. As a result, the XXXX and the State of California XXXX XXXX XXXX charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the XXXX and XXXX reported the tax liens to the XXXX credit bureaus, XXXX of which was Transunion. After several years of disputing the debt with the XXXX, and with the help of the XXXX, the XXXX conceded that I did not owe the debt, thus meaning that I did not owe monies to the XXXX either, and removed it from my tax file. However, Transunion has since refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get Transunion to remove it, but because it 's the XXXX and State of California XXXX supposedly reporting it, Transunion does n't want to do it. I finally called the XXXX again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force Transunion to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied, '' but that implies that I owed the debt at XXXX time and paid it off, neither of which is true. Because the debt was never mine, any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported, although showing " satisfied, '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report, both on the Federal and State level, to be removed once and for all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equafax data breach! Was informed was not affected then checked again and was told my data may be part of the hack! Called and was told to fill out form for free one year insurance to help with the hacking! Then would be charged after that for the coverage! First off- I never gave anyone the ok to share/ sell my information! They were hacked and now all my personal info may be out there for anyone to use to get a mortgage, credit cards, drank loan and drivers listens and voter registration! All media and what I have read about the hack states that my information may not be use for years! Is it a scam to get people to buy this protection package after one year??? Why should we/I pay for protection when an unauthorized business that makes money off of others personal information gets hacked! Especially when the info may be stored by the hackers and used at a much later date! Where do I go and who can help? The is the big question!

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: I have a checking account and see a monthly charge of {$5.00} labeled Online Bill Pmt Billingfee. I do n't know who is doing the debit and when contacting the XXXX with the Company ID I am referred to XXXX then XXXX. They claim I have been misdirected and I contact my bank again to no avail.

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 02-09-2016 about Mortgage (Other mortgage) with Caliber Home Loans, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: How to stop closure my house today CALIBER Home Loan they this guy tell. Me move out they said it house close! But I do n't know about it I know my loan I 'm pay off on XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX I 'm demo my house I have proved permit final inspection form XXXX XXXX .TX I 'm talk to someone employee CALIBER home loans I tell them r do n't what happened about it whatever I keep my house but bills statement too reference my payment only XXXX XXXX/mo they send me bills payment first time. Same lather on they call me collaction telling behind XXXX. I said why they tell me bank said NSF '' I do n't know NSF " mean! I pay them with debit card 2mo. Then next few moth call again tell me payment grow up XXXX/mo and tell me about principle that why too high I 'm payment about few month then I 'm stop to pay beanie think something not right t need to send me bills statement may be they over dabt. Then 5 month later send owe them $ XXXX+ tell me pay out title I said I do n't have I 'm loose job and nobody work I 'm pay For colleg daughter Then they send me from about lose job tell me waiting for approve from government but they send bills payment every month grow up over XXXX $ then send my account to collection agency I talk to them by phone I need to payment standard but they said no Waiting till now

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Keep getting calls about a dept that is over 15 years old, robo calls, and unprofessional and abusive people, told them 10 years ago to come and get the tools they refused. was included in law suit against them but they waited till the suit was over and they started again, I still have 6 months of calls from my phone company that I requested 4 years ago that shows more then 8 calls a day. and XXXX dept. I have been on the do not call list since 09 but they do n't seem to pay attention to the Law. The new numbers from the last 2 weeks are XXXX XXXX XXXX XXXX XXXX XXXX XXXX they must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: APPLIED FOR CREDIT CARD FROM  XXXX   XXXX , RECEIVED LETTER DATED  XXXX   XXXX ,2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( TRANSUNION,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR 14 YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.

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 11-05-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: During this default period where I had been out of work and hospitalized I fell behind on my payments. I corresponded with the mortgage company informing them of my hardship. Most recently my employer put in an application for me to medically retire. My intention was to begin making payments until this happened but I couldnt because I was waiting for additional income to go through which is a process and I have been making Home repairs. I explained to my mortgage company this sudden decision forcing me out of work. They have since referred me to an attorney who filed a motion with the court for foreclosure and now Im currently in a modification process. Im in an Underwater Loan for my house. Ive asked that they lower the amount owed on this house and they havent. The house next to me just sold for {$20000.00} and my mortgage company has a balance of {$160000.00} which is owed.XXXX XXXX XXXX also has a lawsuit that was filed against them last year for putting customers into foreclosure and denying them modifications. Ive lived in my house for 39 years, have had setbacks and even sent in my medical documentation in hopes of a foreberance to take my Home out of foreclosure. The law firm that they are using has improperly submitted paperwork listing this lady as a Lein holder when that child support debt to her has been paid XXXX years ago.

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 09-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a fraudulent account on my credit report and as refused to remove. XXXX Bank is reporting XXXX same account two times which is against FCRA as you know, obviously XXXX Bank does not know that. I have submitted accountable documents to Equifax to support that this XXXX same fraudulent account from XXXX Bank twice, account number XXXX and XXXX Bank XXXX XXXX account number XXXX. This XXXX Bank account is not my account. I have never signed or had any affiliation with this account. I am now submitting a notarized letter from XXXX XXXX which she is the party responsible for the account and I am asking for the immediate removal of them from my Equifax report again. Again, I am asking for the immediate deletion of this fraudulent account which is reporting two times. I have submitted uncountable documents to support that this account does not belong to me and I should not have to result to legal representation for removal of the fraudulent accounts. I am attaching a notarized document from XXXX XXXX acknowledging that this debt belongs to her not XXXX XXXX. I have already faxed Equifax on numerous occasions a copy of my birth certificate and social security and recently faxed again on XXXX/XXXX/2016 and XXXX/XXXX/16, proof of residence along with other supporting documents to fax number XXXX and I resent again to XXXX XXXX at Equifax at fax number XXXX so it is no reason for Equifax to respond saying that they require this information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Consumer Loan (Installment loan) with Special Financing Company, LLC (OK).
Issue: Managing the loan or lease

Complaint: took out a personal loan with this business in   XXXX   XXXX  , have only received a few monthly statements in the past year. I have had to call and request a few of them. On   XXXX   XXXX   XXXX   the business informed me that because  XXXX  of my statements was returned that their system would no longer issue monthly statements again, that I could call and request them. I said that the duty is not on me as the debtor to request my statements and asked for a supervisor but was told that she was out. On   XXXX   XXXX   XXXX   I spoke to a company supervisor and advised that this was not acceptable and demanded to receive monthly statements on my account. She said she would arrange for their  XXXX  employee to " fix '' the problem in their system so that I would receive monthly statements. I asked when I should expect the next statement, she advised me that it would generate after   XXXX   XXXX   and that I would receive it by mail shortly thereafter. On   XXXX   XXXX  , I still did not not received a statement, so I called customer service. The representative said that I can not get monthly statements because I have had mail returned. I explained to her that is an issue that the  manager said that she was going to solve and the representative said that it had not been solved yet and that the manager was not available. On the original loan contract it states that they " the creditor '' will mail monthly billing statements of all charges on my account unless prohibited by fe deral law. The creditor is breaching the contract by not mailing monthly statements to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This is debt I am trying to pay off. the attrnies are XXXX, XXXX, XXXX, XXXX. It is a credit card debt from capital one. The problem is the attournies are no longer taking my payments. for XXXX months now. Last payment was XXXX XXXX. they are saying Capital One took it back over. Capital one is saying they do not have it and they will not except any payment from me either. Neither will take a payment and I am will to pay. I had a similar incident when the account was with XXXX, XXXX. After 3 mos. I ended up get sued. They tried to come after me for full payment of over XXXX back then, but did not have it so they agreed to monthly payments. In XXXX the account was switched to this new law firm. I feel I am being scammed to make a full payment again. I XXXX XXXX XXXX XXXX four years ago. Had XXXX XXXX in XXXX, also before this was taking care of my mother with XXXX XXXX. I can really use an advocate with this issue. Thank you for any help you can provide

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Bilateral Credit Corp, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX on XXXX took out my monthly dues then took them out again on XXXX. I spoke to the owner and he put it back on XXXX and the same day charged my card again. 
that month they charged me 3 times and on XXXX i did receive XXXX of them back from my bank. XXXX Still owes me for XXXX withdraw which was {$76.00}. The owner and I did have words after he took it out for the third time and was so rude about it even to the point of harassing me. At this time I told them they were not allowed to access my bank account anymore and that I would no longer be a member after the way he had come at me. No even 3 weeks later I receive a bill from Bilateral Credit Corp. saying I owed XXXX {$1500.00}. 
I never received a letter from XXXX or anything. In fact they still owed me one month of tanning because they never paid me back. It costs {$76.00} a month to be a member and in two weeks I now owe them {$1500.00} even though still have n't paid me back. The owner did this to XXXX with me and credit agencies let me them get away with this because they are members.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Trouble during payment process

Complaint: we where in folcluser with wells fargo we reached an agreement through the court and a magestrate to do modification on our loan, and one of the document in our agreement was the bank will autodraft from our acct 2 times a month the payment of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX wich they never did i tried for the longuest time to get them to do it and they say yes its done and all was a lie so in XX/XX/XXXX we made a XXXX XXXX XXXX dollar. to wells fargo and 2 month later still no payment drafted so we made XXXX payment to cutch up and same in XX/XX/XXXX no payment so we had to pay over 4000 to cutch up and they allways lying to me about seting up the auto draft even with court order and 2 days ago they field for forclusor im trying to save my house and they trying to steal it they had no intention of fixing the problem i have over 300 thousand in equity in my house and they trying to steal it from me and my kids every time i talk to them i spend over 2 hours on the phone and cant get no where and i do feel they have a problem with me personaly coz i have an accent when i speak, i do feel they are discriminating against me and i been us citizen for over 30 years. i dont know what i can do i need help with these thieves. they have no respect for the law they act like they are above the law or the law does not apply to them please help me save my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Id like to file a consumer report. There is an error on my account and the company no longer has a hold on this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (VA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I recently applied to Discover for a credit card. It has into APR of 0 % and after that the APR can vary from 11.99 to 23.99 As advertised, it reads : * Intro purchase APR is 0 % for 14 months from date of account opening ; then the standard purchase APR applies. Intro Balance Transfer APR is 0 % for 14 months from date of first transfer, for transfers under this offer that post to your account by   XXXX   XXXX  , 2017 ; then the standard purchase APR applies. Standard purchase APR : 11.99 % variable to 23.99 % variable, based on your creditworthiness.
I have FICO score of  XXXX . I received a 23.99 APR! This is VERY misleading when it specifically says " based on your creditworthiness ''. How is it I received the HIGHEST APR with an excellent FICO score. I called the company and they said after a year they could look at possibly lowering it. I talked to the Manager and he said he could close the account. I told him if I close it, it affects my credit score and he said " I do n't know anything about that '' ... and he is a manager?!?!?! I feel this company is very misleading! It is a way of tricking you into thinking you will get a good APR, and when you get it, you do n't ... in hopes that you are not able to pay off your balance and the APR will skyrocket to 23.99!

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My original loan was with XXXX about 10 years ago. They sold to Nationstar mortgage. When we were with XXXX we wanted to make bi monthly payments-XXXX said this is free to do and when we were ready to set this up we could do so. It also required paychecks/money to be into account so we were not able to do that at the time. Now that we are able to make bi-monthly payments to reduce our interest and loan term, Nationstar does not allow us to do so. We have no choice but to go to their outside contracted company who will charge us {$390.00} enrollment fee and then charge us a monthly fee for the rest of the loan term just to do a bi-monthly payment. We would have to pay about {$1700.00} extra bc they do n't allow bi-monthly bi weekly payments from their own customers. XXXX our original loan did not charge for this service and there would be no charge to us whenever we would be able to do so. Now that the loan was bought by Nationstar, the same terms do not apply and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: I disputed with this company back in XXXX the company is XXXX. They didnt send me any method of verification stating a original signed contract with my signature because according to Section 609 of the FCRA it has to be proof of a original signed contract with my signature. This company just continues to report this on my credit report and being that XXXX has so many names and addresses on my file I didnt sign up for this.Please reach out to this company XXXX to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2016 about Debt collection (I do not know) with Weinstein & Riley, P.S. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have never had a business relationship with the creditor. Collector filed a law suit, for which I did not receive written notifications to appear in court to defend myself. The collector sent notifications to a previous address I no longer have access to and compromised my privacy. The collector obtained a court order to freeze my bank accounts by misrepresenting the facts. The lack of access to my bank accounts has created a hardship causing me to default on my daily commitments ; both personal and in my business due to lack of access to my bank accounts. This type of harrasment has created excessive stress and has disrupted my job, which is the only way I have to support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (CA).
Issue: Money was not available when promised

Complaint: I made a series of sales of virtual currencies on Coinbase on the following dates, for the following amounts and with the following reference numbers issued by Coinbase {$4800.00} USD XXXX XXXX XXXX {$2800.00} USD XXXX XXXX XXXX {$5000.00} USD XXXX XXXX XXXX {$200.00} USD XXXX XXXX XXXX {$130.00} USD XXXX XXXX XXXX The destination I chose for the proceeds was my bank account. I was told expected payout for each transaction would be the following day. Then I saw elsewhere on the site that it would take 4 to 6 business days for funds to arrive. 

The sales on the XXXX and XXXX did not arrive until XXXX XXXX, a full 12 and 13 business days after the sales. 

The remaining transactions have yet to arrive. It has been 9 and 10 business days since the transactions on the XXXX and XXXX. 

I have sent repeated inquiries to Coinbase over the past two weeks to no avail. They have yet to respond. Their XXXX for their support functions also has ignored my repeated XXXX and direct messages. In the time that these funds have been in transit, I could have earned a decent return on them.

Company response to consumer: Closed with explanation