milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Debt collection (Mortgage) with Real Time Resolutions, Inc. (CO).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was involved in a real estate investment over 10 years ago. I lost one property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on XXXX. We have disputed this numerous times and asking for proof of the loan. The company is Real Time Resolutions. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to XXXX continues to be they are reporting accurately. XXXX has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach XXXX credit reports. 
Thank you for your assistance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ProCollect, Inc (AR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I moved in XXXX XXXX apartment in XXXX and I ended up moving XXXX XXXX and I never renewed my lease. I let the office know that I was n't renewing my lease I moved out on the XXXX of 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 10/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: About a month ago, I had a reason to contact the Experian Credit Reporting agency about my credit scores being grossly inaccurate. I have a perfect credit history but they lowered my score to barely acceptable. During that contact, I was asked if I would like a copy of my report for {$1.00}. I accepted the offer as the price was right. Now they are billing me on my email account for {$21.00} as some kind of membership in something I do n't know about and sending me unsolicited emails. When I called them, they claim there was a " hidden '' acceptance of a membership of some kind that I accepted. I assume there was some kind of hidden in small print of something or other. Now they want me to pay a fee for something I never asked for. Now I 'm also asking them to return my {$1.00} for whatever scam they are trying to hook me into. Since I never signed any contract, explicitly or implicitly, this is an attempt at extortion.

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 10/22/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: so i am once again complaining, i 've done everything and provided everything as requested. all conditions have been met except one ... .my bank statements for 2 months needs an update/missing pages. there is nothing missing, i have even clearly indicated rental income and verify all the pages are correct. i am enclosing copies for you to see to make sure we are on the same page. i have make every effort to play by their rules. please step in as liason and figure out what is happening. there seems to always be something that has to be done " outside of the realm of what is consider reasonable and is required ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a car in   XXXX  . After purchasing my vehicle through  XXXX   XXXX , I see that ov er 25 inquiries  were processed on my credit report without my authorization. I contacted   XXXX   directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (OH).
Issue: Managing the loan or lease

Complaint: I called and emailed Wells Fargo Several times asking them to send me via mail or email a statement I started this in XXXX of 2015. Each time I called them I paid exactly what they asked me to pay and reiterated that I was NOT receiving a statement of the account. I went to use the card at XXXX XXXX in XXXX OH and was told that the account was locked. I called Wells FArgo, paid off the baLANCE AND CANCELED THE CARD. i DID NOTHING WRONG IN THIS SCENARIO

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX is over 10 years old and should not be on my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX   XXXX ,  XXXX  CFPB : J  XXXX   denies me credit as retaliation for complaints that I have filed against  XXXX  and disparages me to other financial institutions, causing them to also deny me credit. Because of that, I have been homeless and automobileless for the past  five ( 5 ) y ears.   XXXX    claims that I owe it over {$140.00} on my   XXXX    Visa Platinum C redit Card, in information that it has supplied to Credit Bureaus. In its Affidavit of Mortgagee on ARM Loan  XXXX ,  XXXX   XXXX ,  XXXX ,   XXXX    alleges that it performed more than {$140.00} of Maintenance  on my   XXXX   XXXX       XXXX   XXXX   XXXX ,  XXXX , IL  XXXX , built by my parents,  XXXX  and  XXXX , in  XXXX . In fact, NO Maintenance had been performed. I perform my own Maintenance.   XXXX    thr eatened to take away my    XXXX   XXXX   and t he personal property of  XXXX   XXXX   XXXX   XXXX  generations of my family, if I did not pay the Undeserved Maintenance Fee.   XXXX   intimidated me into paying the Undeserved Maintenance Fee.   I demand that  XXXX  remove ALL negative information that it has supplied on me to Credit Bureaus, as the Undeserved Maintenance Fee, that I paid, more than covers the alleged Outstanding Balance on my    XXXX   Vis  a Platinum Credit  Card.   If CFPB can not get   XXXX   to agree to this, then I request CFPB to get   XXXX   to accept payment from my   XXXX   Checking Account to Completely Pay Off the alleged Outstanding Balance on my   XXXX    Visa Platinum Credit Card. And remove the negative   information.     Sincerely,  XXXX   XXXX   XXXX ,  XXXX  XXXX  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 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: J.P.Morgan Chase removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX. XXXX deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I NEED EXPERIAN TO REMOVE ALL DISPUTES AND DISPUTE COMMENTS FROM MY CREDIT PROFILE. I AM TRYING TO GET A HOME LOAN AND I CAN NOT GET IT UNTIL ALL DISPUTES AND DISPUTE COMMENTS ARE COMPLETELY REMOVED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My loan is now serviced by Navient. We have been overpaying unknowingly since they changed terms on our loan for quite some time now. I believe they have been taking this money and applying it to future interest, which is essentially stealing, since future interest does n't exist and if I pay my loan early, never see that money again. I am aware they settled a lawsuit for exactly this practice earlier this year, but seem to still be doing it. I want that money either applied to principle, or I want it back. My second complaint is that they took XXXX of our loans and changed the terms, adding 10 years without our consent. There is no phone number to contact them, and an email on the matter went unanswered so there is essentially nothing I can do. Again, I equate this with stealing, as they will be making considerable more interest since extending my loan and it seems I have no power to fix this except hire a lawyer which I think would work, but would be very expensive, and I 'd rather use the money to pay off the loan and get out of business with these crooks as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2015 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX, 2015, I logged into my XXXX Credit Card account to make payment. I could not access my online due to account being blocked from online access. I contacted XXXX on XXXX/XXXX/2015 regarding the message received. I was advised to send in documentation of my XXXX from the military. XXXX documents were fax to XXXX on XXXX/XXXX/2015, fax confirmation # XXXX at XXXX. Several days later I called XXXX to inquire of the status of those documents and was told that the documents had not been received. I faxed another copy of the documents on XXXX/XXXX/2015, fax confirmation # XXXX. I called XXXX Bank regarding the status of my reference account member # XXXX and was told by someone from the Executive Resolution Team that they did not know why the account was closed, as he could not see the reason. I requested to pursue this matter in an appeal process because I should know the reason why my account was closed. I have been a member of XXXX bank and have never had any issues with my accounts including making on time payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Closing on a mortgage

Complaint: I assumed the mortgage account # XXXX with Ditech on XXXX XXXX, XXXX. The first payment was due on XXXX XXXX, XXXX. The underwriter suggested that I should wait few days, since the date due is too close to the closing date. I called to make the payment on XXXX XXXX. The representative told me that the payment of {$14000.00} plus was due on XXXX XXXX, and there is no other information available. He suggested to wait till XXXX XXXX. I did, and was told I was mistaken, and the payment was due on XXXX XXXX in the amount exceeding {$14000.00}. They could not find any assumption papers, and suggested to monitor account electronically. I did, and to this day nothing had changed. Even when I specifically pointed Ditech XXXX XXXX XXXX, XXXX # XXXX to page XXXX of XXXX, paragraph XXXX, Assumptions of original Terms, she said that she is looking at the page and sees XXXX XXXX, and accused me of lying. I never received the signed copy of the agreement from Ditech, as required by law, it was n't registered XXXX XXXX of XXXX as far as I could find out, and Transunion has no knowledge of mortgage in my name. However, I have the copy of the papers I signed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: I want the ability to freeze and thaw my credit reports from the main credit bureaus without having to pay for a service. I believe having access to control my credit information should not be held captive by subscribing to a monthly service or paying XXXX time fees. It is overly difficult to process simple requests like this without using aforementioned paid services.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX i started a transaction to move XXXX LTC over from one exchange to XXXX/Coinbase the transaction was confirmed in the block chain and XXXX sent me an email saying Valued XXXX client, Your Litecoin deposit of XXXX LTC ( worth {$52.00} USD ) completed successfully but was not moved from your Coinbase account to XXXX. 
Please view your account to double check your deposit and manually move your funds to XXXX. 
- The XXXX Team I assumed no big deal, Ill just manually move it. Well the LTC was nowhere to be found. It just disappeared luckily i was only moving a fraction of my currency before i moved all of it, because i would have been much more upset losing more than the 50+ dollars at the time. 

Anyway, i started a support ticket and the only email response i received was on XX/XX/XXXX linking me to an FAQ page as to why my transaction could be pending. However, MY TRANSACTION WAS NOT PENDING. It was CONFIRMED. So they obviously did not even read my support ticket. I replied again to their support and havent heard a response since. I will not deal with this company any more aside from when i get my LTC back, and only to move it out of their exchange.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit card () with Continental Finance Company, LLC (CT).
Issue: Billing disputes

Complaint: A dispute in the amount of XXXX was filed with Continental Finance for an item I returned, not refunded by merchant. The rep who took the claim was provided with all relevant information ie date of return, reason for return, tracking number, response from merchant, etc.. However, they sent a letter asking for all information again. Please note, tracking information was provided a total of XXXX separate times, their letter asked for it again. The item is a pair of XXXX shoes that did not fit, the wrong size could have been sent. However, I do not know for sure because the size on shoes was not checked. This information was given to rep XXXX XXXX ) in dispute dept, was requested again in their letter. As you can see, they have done nothing in regard to this dispute except request information already provided to them. The dispute number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with PAYPAL HOLDINGS INC. (DC).
Issue: Billing disputes

Complaint: I am currently experiencing some of the problems listed out in the allegations, including an enrollment of Paypal credit without my knowledge, illegal billing practices ( I believe XXXX, as well as a shocking inability to reach anyone at Paypal Credit XXXX or PayPal XXXX customer service who can help me figure out my issue. They are emailing me and calling me every day insisting I owe them money however I am seeing absolutely XXXX activity in my account -- in fact, I do n't think I have ever used their services. However, every time I call them I am on hold for close to 1 hour before having to hang up, and every time I email them, no one is able to help me reach a resolution or aid me in understanding where these charges are coming from. They are saying that my balance is {$570.00}. 

On XXXX I called the CFPB to discuss my complaint and the representative directed me to file this form for an official complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion report deleted inquiries and reinserted with out providing written notice in 5 days of adding them. I called to dispute but they keep putting me on hold!

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 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: On or around XXXX XXXX, XXXX, I contacted XXXX and Experian in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to XXXX and Experian for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX  After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( 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 06/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I had attempted to submit payments to this company several times through online bill payer, totalling XXXX different instances. I 'd even called to check the amounts being requested prior to making payments. Each time I 'd asked why my payments were returned an the reps were unable to advise me of why. I 'd requested to speak with a supervisor an the supervisor began to insult me stating that I had n't infact spoken with anyone and maybe I spoke with the automated system and believed I was speaking with an actual rep. I advised him of the many times I had spoken with reps an he told me he had no record of conversations nor payments. The supervisor then stated that my final payment would of been returned as the demand had now expired. I then called back to speak with my relationship manager to try an understand wgat exactly was going on however I was only transferred to a voicemail. I left a message and still no call was returned. I then called back a few days later and was transferred directly to the account manager. The account manager was rude, over talked me an when requested his supervisor, blind transferred me over to his voicemail. I left a message for the account managers supervisor who I have yet to receive a call back from. All I 've wanted to do is pay my account and bring it current so that I may keep my families home. This company has been awful, an just down right rude. The employees ar n't very knowledgeable. Not to mention there are no notes to the many detailed conversations nor payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Portfolio Recovery Service is a debt collection service that has been harassing me for quite some time, regarding debts I am unsure about. They contacted employers, friends, etc. When they call, they refuse to verify the debt without me giving up personal information, which I refuse to give to someone stating " this is a debt collector, that is all I can tell you without more information ''.

Company response to consumer: Closed with non-monetary relief