milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: hi my SS # was used without my consent I 've been in contact with the IRS, and other creditors that 's been more than helpful

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 09/13/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I went investigation of XXXX XXXX XXXX. It took about 25 day saw XXXX XXXX XXXX XXXX XXXX, XXXX. So I call customers XXXX XXXX, XXXX at XXXX so I went online gave {$50.00} Account Number XXXX and XXXX XXXX/XXXX/XXXX approve 2-3 day. So I go decide to go pay XXXX {$290.00} paid off. So I got a email from Manager XXXX XXXX XXXX/XXXX/XXXX them.and told me thank you its going about 7 day XXXX, Tx XXXX. So I online an I see XXXX {$290.00} and now I owed. I call XXXX XXXX XX/XX/XXXX and customers and he 's at lunch I will call you about I hour and they have n't call me back. I have approve Confirmation # XXXX XXXX/XXXX/XXXX XXXX # XXXX and Conformation # XXXX XXXX/XXXX/XXXX # XXXX XXXX {$290.00}. I paid it off.

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 01-03-2017 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Experian is taking too long to send negative account results

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 01-11-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 'm paying close to {$650.00} a month for my private loans ( I have a sum of federal loans as well ) and I investigated further into where my payments are actually going. I noticed that less than 50 % of total payment per loan was being applied to the Principal amount. I contacted Navient, my private loan servicer, and tried to change the allocation of my payments to be put towards the Principal amount. Apparently, they do not offer that option and I 'm out of luck when it comes to trying to pay down the Principal amount. They also informed me that they do not offer any kind of income based repayment options. They offer other repayment options, but those have to be set up with their Collections department and declined to offer any more information on details of repayment options. Since XX/XX/XXXX ( current XX/XX/XXXX ) I have paid approximately {$600.00} of my balance and my interest rate on all loans has increased by 0.25 % ( highest interest rate is 11.000 % with no interest rate below 8.875 % ). I feel like I 'm being robbed and just treading water with these loans. I feel as though I will never get out from under this debt. I make a decent salary with my current job, but I know this will not always be the case and right now I can only afford to pay the minimum of {$650.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Payday loan debt) with BlueChip Financial (TN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I was called yesterday regarding a debt, had no prior knowledge about it. Lady was rude and threaten to take me to jail and garnish my wages. I asked for a written letter before making payments and was refused. They called again and was rude yet again, I was threaten again with jail and wage garnishment. I again asked for this in writing and was told they couldnt and have mailed things before. I have not gotten anything. Was called a liar as well and hung up on

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 05-12-2015 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was sold a predatory pay Option Arm Loan that I did not fully understand. I made my payment and the principal balance kept getting larger. Then the loan adjusted I could no longer afford the payment. I called my bank and all they said was to short sale or to do a deed in lieu of foreclosure. 
When I submitted a loan mod request I was given the run around then several months later only to be denied. 
I sought out legal counsel, only then to be told that I was given a trial payment plan with on other detail out than a payment amount and told we can not tell anything until all the trail payment are made, only then we will tell you what the final terms are. 
When I received the final terms I called XXXX and was told that this is what the Investor in willing to do. 
This is a continuation of their predatory lending behavior. Constructioning a modification over a XXXX year PERIOD still leaves a balloon payment of {$230000.00} after receiving $ ,XXXXWorkout OptionForgivenPrincipalForboNewTermNewPROPERTY 'S CURRENT MARKET VALUE : The Supplied Current Market Value Estimate for the subject property, provided by the Home Owner, Real Estate Agent, Appraiser or Financial Institution is {$420000.00}. Based only on this valuation and the supplied Current Unpaid PrincipalBalance of {$680000.00} the amount of equity estimated to be in the home is ( {$260000.00} ). ( This is not taking into account anyother subordinate financing. ) This qualify for a HAMP TIER 2 PAR

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IA).
Issue: Account opening, closing, or management

Complaint: Applied for citigold checking account with promotional code XXXX before XXXX/XXXX/15 which entitles me to XXXX XXXX aadvantage points if I used the accounts in a certain way. " Then, within 60 days after account opening : the required minimum amount of purchases using the Citibank ( R ) Debit Card must be posted to the new checking account AND 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I met all qualifications, but Citibank denied me the aadvantage points. They claim that because the offer promo was not sent to me that they do n't have to send me the miles. However, I was allowed to open the account online and the documentation received when the account was opened online indicated that I was eligible : " This offer is available to Citi ( R ) / AAdvantage ( R ) credit cardmembers who receive this communication. Offers for new consumer checking customers only, XXXX years or older. '' I have an aadvantage card, am a new checking customer, and am older than XXXX. It did not include any indication that the promotion was not valid for me.

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 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The charge is for XXXX equipment that was returned in a box with a tracking number that was provided by comcast. I have talked several times explaining this to them. I think it is settled and they put it back on my credit report again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/28/2015 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This debt was never mine. I did not open an HSBC account in XXXX 2014. I have continuously disputed and XXXX has not sent any type of verification. It has been over XXXX days I want it deleted from ALL XXXX CREDIT REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (WI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I recently had a baby and since then have been struggling to pay one of my Sallie Mae student loans that has an interest rate of 9.5 %. I have repeatedly tried to call and speak with a collection representative to lower my interest rate and possibly my montly payment. Up until this point I have made my student loan payments and on time. I simply can not choose between childcare and supporting my family or paying student loans. Sallie Mae has refused to work with me other than offering forebearence which I plan to use in the future when we have another child.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I o  btained my Transunion credit report on line. There were U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
The County Recorder of Deeds and the Bankruptcy Courts have also reviewed the Public Record section youre your Transunion Credit Bureau. They both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.
My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Transunion Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately.
The Transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ).       See document attached from the courts.     Transunion File #  XXXX   XXXX   XXXX   XXXX  Little  XXXX   XXXX   XXXX , GA  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 07-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. I pasted the dispute below. 
I am requesting that the item be removed or explained with evidence of an actual debt owed to correct the information. This debt of {$100.00} is not unknown to me but also seems unlikely as I have insurance for many years. Please provide the date of service and any information you may have as this debt seems erroneous. 
Please reinvestigate this matter and delete or provide evidence that the disputed item is valid as soon as possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have a collection account from XXXX XXXX on behalf of XXXX appearing on my Equifax and XXXX credit accounts. I live in a complex where my cable is included in my cable bill, through XXXX in the amount of {$99.00}, and is paid monthly with my rent. I do not have an outstanding bill with this company. This inaccurate information needs to be removed from my consumer file as this is not my debt. I still currently live in this complex which means that my XXXX bill has always been paid on time as it is not even billed directly to me and must be paid rent or my rent would be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, Accounts seem very old and odd. Do n't know if these accounts are mine. Ca n't reach any companies by these names : 1. XXXX # XXXX 2. XXXX # XXXX 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 explanation
Consumer complaint received 02-03-2017 about Credit reporting () with CORELOGIC INC (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Under Public Records of the " Credco Instant Merge Credit Report '' ( page XXXX of XXXX ) names a " State Tax Lien of {$40000.00} '' ; filed XX/XX/XXXX, Court Docket # XXXX. Data Source if XXXX, XXXX. This is INCORRECT INFORMATION, THERE IS NO SUCH TAX LIEN!

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 08/21/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX charged us incorrectly for our XXXX visits. We had explained prior about this issue and they did not want to work with us. They forwarded the debt to XXXX and XXXX demanded {$600.00} per month which would have made us homeless and starving. I also explained to XXXX the problem and were unwilling to work with us, called several times a day, even 2 to 3 times in one hour. They forwarded our debt to an attorney ( XXXX ), was told they figured a deal, was only made aware of XXXX account and was supposed to be paid off XXXX XXXX, was told the accounts just showed up out of no where. XXXX XXXX was supposed to charge the VA medical center in XXXX for my XXXX visit. I am a XXXX vet. They also put my daughter as my husbands spouse with the wrong birthdate. Husband and daughter were charged for procedures not done.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MD).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: In XX/XX/XXXX I purchased a new car and the loan was placed with Ally Financial. The car loan was paid off XX/XX/XXXX. 

I am currently purchasing a new home and it was brought to my attention that Ally Financial reported to the credit agencies that I had paid my car payment 3 times over 30 days. The months that were reported were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was very confused, upset, and extremely concerned about this reporting so I requested a detailed statement from Ally to have a better understanding of this issue. Ally first told me that they could not provide this due to my loan being paid off in XX/XX/XXXX and that they could not answer my questions regarding my account. Then I demanded a complete account statement because I have to provide additional information as well as a reason regarding these payments being reported on my credit. Ally at that point emailed me a very confusing statement that showed that they did receive my payments for the three months in question and they were not 30 days late. Also, what is even more confusing is the inconsistency of the interest payments that were paid every month. 

I at that point pulled my bank statements to see the dates and the amounts of the payments and my bank statements confirmed what I already knew. I was never 30 days late in any of my payments to Ally. 

For the XX/XX/XXXX payment their statement shows they received a full payment on XX/XX/XXXX. 

For the XX/XX/XXXX payment they have 4 line items about this payment all dated XX/XX/XXXX. they show XX/XX/XXXX they received my payment, then it shows they backed it out ( same day XX/XX/XXXX ) then they credited my payment to my account ( XX/XX/XXXX ) For the XX/XX/XXXX they received payment on XX/XX/XXXX Again this is according to their print out that they provided me on my second request and I confirmed with my bank records as well. As you can see NONE of these payments were late. 

Due to Ally Financial 's incorrect accounting and reporting of my payment activity is effecting my ability to secure a new mortgage! I have over a 700 credit score and I need Ally to correct the reporting error as soon as possible so my lender can see that I have indeed taken measures to have this resolved. 

Thank you for your consideration

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 05/25/2016 about Consumer Loan (Installment loan) with LDF Holdings, LLC (RI).
Issue: Problems when you are unable to pay

Complaint: I already paid {$740.00} on a {$300.00} loan with another {$400.00} to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Payday loan () with MNE Services, Inc (PA).
Issue: Charged fees or interest I didn't expect

Complaint: Different companies who say they represent the payday loan companies keep contacting me about a payday loan I paid off several times in the past 7 years. I have documentation that I paid this loan on several occasions. The companies have threatened to serve me papers on my job and that they are going to take me to court in XXXX XXXX. They never contact me through the mail, only by phone. I have faxed the pay information several times to different companies and they said that the loan was satisfied, however, other companies keep contacting me.The companies are contacting my relatives and my husband 's relatives and asking them do they know me and saying that I owe money. They have my social security number and license number. I have been ripped off many times which is unjust, unrighteous, and embarassing. I have taken out several payday loans from companies such as XXXX XXXX, Advantage Cash Services, ect. and have paid them off. I have included the paid in full letters from them. These companies did not allow you to take out a loan if you did n't pay the previous loan. I have not taken out a payday loan since I retired in 2010. I would like to recover the monies I paid out several times and want these scam artist to stop contacting me and my relatives. I would like the public to be aware of these phony companies and not get ripped off like I did.These con people ( men and women ) are so good at their game, they had me convinced that I did n't pay my debt over and over. I hope you find out who they are and bring them to justice. The most recent call was from a lady who said her name was XXXX XXXX from XXXX ( I 'm not sure of the spelling ) phone no. XXXX. File reference # XXXX. When I called this lady she told me that I walked into a place and got a pay day loan. I asked her what place, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2017 about Debt collection (Medical debt) with Strategic Alliances, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I sent a letter around  XXXX   2017 asking for this debt collection company to show me proof of valadation of this medical debt and they have not sent me anything to prove that it is actually my indeed debt. I have waited pass the 30 days to give the company time to respond to the debt but nothing has been sent to me via mail showing proof that this debt with First Fina  ncial Asset Management is actually  my debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I did not receive my Mortgage monthly billing statement in XXXX 2015 for the XXXX 2015 payment from Green Tree Servicing , LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (KY).
Issue: Managing, opening, or closing your mobile wallet account

Complaint: For a month now I have been trying to withdraw my money from my account and it will not let me. It gives the error Im trying to close to many accounts. I only have one account. You have XXXX of my money that I need to pay my mortgage and other bills. I have emailed you over 30 times, called ( your customer service is not helpful at all ) put on XXXX  and XXXX. I need results I need my money out back in my XXXX XXXX  account. My email is XXXX

Company response to consumer: Closed with explanation