milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-05-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (AL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2017 and paid $XXXX to the collection agency. The collection agency removed their reporting to the credit reporting agencies and now I'm asking if this can be removed as well. I'm in the process of trying to buy a home for my XXXX son.

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 10-01-2015 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: This dispute is in reference to a previous case # XXXX I filed with you and received a response from the SLS. Please review the document they sent you dated XXXX. In the response sent you on XXXX/XXXX/2015 SLs states that my XXXX payment in the amount of XXXX is still due and this is correct. They also state later in the correspondence that the effective date was moved to XXXX/XXXX/2015. I paid my payment of XXXX to SLS and they are showing receipt but have not applied to my loan. I have also completed the paper for a assistance, mainly a forbearance for my mortgage. I believe these actions of delay are intentional. I also believe I am being discriminated against and their purpose is to make me lose my home by delaying processing on my mortage. I am asking for assistance in the matter. Please forward the the company please. My loan number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have disputed this debt with XXXX within all three credit bureaus ( XXXX XXXX, XXXX, and XXXX ) since XX/XX/XXXX, for an account that has been charged off sinceXX/XX/XXXX, requesting that this account be deleted from my credit reports, Due to this debt being time-barred. ( in XX/XX/XXXX, residing in XXXX in which the Statue of limitation is 6 years, to now residing in XXXX, in which the statue of  limitation is 4 years on written contracts ) I have recently accessed my credit report ( XXXX ) and found that XXXX XXXX, Incorporated has violated the Fair Debt Collection Practice Act by not only re-aging this debt to show that the account was opened in XX/XX/XXXX, but also increased the amount of the debt by over XXXX. The account was charged off by XXXX in XX/XX/XXXX for XXXX. This information is completely false and inaccurate. They also, did not purchase this loan from XXXX in XX/XX/XXXX, this account has been through a minimal of four different debt collections agency prior to XXXX XXXX XXXX  purchase of this debt.

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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Last XXXX, I applied for a credit card at my XXXX XXXX XXXX XXXX, and at XXXX XXXX XXXX.
My credit score, according to Experian, was XXXX, I have NO debt and all my bills paid way ahead.
Currently, I have only one credit card, XXXX XXXX, and its in a constant use for ten years.
XXXX denied me any credit, because Experian ( which they are dealing with ) did n't let them see my information ; it was a Freeze on it.
XXXX XXXX XXXX refused me any credit, as well, due to my phone number missing on that file they were supposed to view.
I did call Experian on XXXX XXXX, and had a 40-min-long pleasure talking to their XXXX, in XXXX XXXX. He assured me that from now on, my phone will be on my file, but could not explain, why the XXXX it was n't there to begin with.
On XXXX XXXX, Monday morning, I called Experian, again. This time I asked to talk to USA personnel. Guess what, over an HOUR later, their lady - Manager, with initials XXXX, still did n't have my phone number on file that banks need to see, two months later, and she also had no clue, why Experian 's staff fails to type-it in, over and over and over again.
By the way, Experian 's staff is so challenged that nobody noticed that my only phone number was repeated twice, on p.2 of 4 : " The numbers you provided when adding this alert are : XXXX and XXXX. '' But when XXXX XXXX XXXX needed to see it - it vanished ...
<P/>
Because I have applied for a credit card twice, at two different banks, my credit score of XXXX  went down significantly, and I never got any approval.
<P/>
Report # 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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: i am writing today because i have previously disputed this account referenced in this dispute not only have you not deleted this inaccurate account from my report but you didn't even mention in this consumer statement that this account was in dispute as you are supposed to. the law says that if a consumer disputes an account you have to write that this account is in dispute since you have not done so it leads me to believe that you have not conducted an investigation at all, why is it so difficult to get things done by you it feels like every time i send a dispute that it is a wast on the postage fees it feels like i am just sending a dispute and your computer sends me a letter that says verified without you guys doing anything. why is it so? why cant you do your job and conduct an investigation. plus you violated the law by not adding a statement that this account is in dispute.

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 07-09-2017 about Debt collection (Medical debt) with First Choice Assets LLC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The company called me numerous of times about a debt that was owed to a collection agency, in which was resolved in the year ( 2014 ). My lawyer submitted the check to the company and now, I 'm being harassed by the collection agency. They mentioned that it was never made. I contacted my lawyer and he sent me information regarding the payment that was made to the Ambulatory service. I went ahead and submitted the payment before I was sent the info from the lawyer just to get them off of my back and to somewhat protect my credit standing. Even though I sent them the actual proof, they still say that it was for another ambulatory service for around the same year. I mentioned to them, I was only involved in one accident in that year and that has got to be the one and only accident that you are referring to! They became troublesome, defensive and did n't want to hear what I had to say even though I submitted proof! I asked them for a refund for the amount that was paid and they argued the fact that it was not the same account?!! I 'm asking for a reason why they would collect more money from me even though it was already submitted by the attorney with proof!?

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 monetary relief
Consumer complaint received 04-02-2018 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TN).
Issue: Trouble during payment process

Complaint: My wife and I ( both veterans ), have been with Freedom Mortgage for about 15 months. We have only had one issue when mail was delayed due to a snowstorm and the check arrived a day or two late. When we called them about the check being late ( we saw that the money had NOT been withdrawn on the XX/XX/XXXX ) they told us that we were immune from late payment for the first 2 years of our mortgage but STILL charged us late fees and claimed the fee would be applied to principal. We were mollified. However, this occurred again and AGAIN WE had to call THEM about not cashing our mortgage check. We were told to cancel the check and pay online. We attempted several times to pay online but their system was not working properly. We called several more times over the next few days and were finally allowed to pay over the phone. However, once again they got a number wrong ( allegedly ), and piled on even MORE late fees again telling us that they would be applied to principal. None of the late fees were ever applied to principal so they had BLATANTLY misled us or dare I suggest that they LIED to their own customer. Now they are saying we are TWO months late and we have both payments sitting in our account waiting for them to take it. I have done research on the company and this is NOT an isolated incident. They have been both aggressive in getting their money and politely unhelpful each everytime we try to pay them. They have continually lied or misled us, NOT corrected the problem NOR have they EVER called US. WE have called THEM we stay on top of ourt finances and this is completely unacceptable and a perfect example of corporate greed and incompetence. My FIXED mortagage payments have been going up due to late fees and accrued interest because they will NOT take our money. I do not know how to force them to take our payments please help us or inform them they need to fix how they do business.

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 11/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went on free credit report site to request my free credit report using the credit bureau transunion. When on the site I asked to save as pdf so that I can read the file. When I tried to open the file I got the following messageCould n't open PDFSomething 's keeping this PDF from opening. 
Go back to the last page I was never able to see my free credit report. The page then went right back to the free credit report request and it would not let me retrieve the report. I never saw my information and then transunion had a an advertisement to buy purchase a monthly screening I declined. Your assistance to this matter is appreciated. 
thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX solutions sent a wage verification form to my employer I called them to find out what was going on I asked for verification of dept as I think it was already paid and was told they do not have to verify anything and there will be no settlement with them if I keep asking so they want me to pay them XXXX and I have no proof I owe anything this is not on my credit report and from XXXX XXXX XXXX card taken out in 2002 I am trying to go over my paperwork to see if it was paid but they are now threatening to garnish my wages

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There is a hard inquiry in my Transunion Credit file on XXXX XXXX 2016, which should not be there. I have never authorized XXXX to make any such inquiry against my credit. Please have Transunion to remove it as XXXX have already removed it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Greentree Tree is our mortgage provider every month they call about a late payment and about an {$270.00} lapse of home owner insurance Our insure XXXX has told them our insurance never lapsed! Here is a copy of a similar letter I have sent complaining about their harassment as they have called as early as XXXX and as late as XXXX eastern daylight saving time! This is my final request for you to stop calling my home and my wife 's mobile phone starting on the XXXX of each month ( our payment is always sent no later than the XXXX of each month ) when our payment by contract is only late if after the XXXX! The {$270.00} for home insurance is inaccurate our insurance never lapsed and XXXX has sent you proof of that fact! Acct # XXXX A COPY OF THIS LETTER IS BEING SENT TO THE INSURANCE COMMISSIONER

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX SUED ME ON THE BEGINING OF 2017 with the NJ SPECIAL CASE DIVISION COURT IN XXXX XXXX. XXXX XXXX XXXX. 
XXXX XXXX ( Original Creditor ) sold to Midland.funding ( XXXX XXXX XXXX attorney ) .Defendant answered the claim and request interrogatories. Plaintiff provide hearsay documentation with affidavit from the midland funding not the original creditor. Plaintiff did n't provided any agreement or sign documentation showing the name of the defendant. This credit card was opened in NY and they filed a lawsuit in NJ where the defendant currently lives. The judge thought that the documentation provided was enough and executed a judgement. Defendant provided a reconsideration to vacate judgement but the XXXX rebuttal stating that the judgement should be final and no reconsideration should be honor. Judge honor them a writ of execution which defendant never received from plaintiff by mail or by person. XXXX XXXX XXXX illegally provided a wage of execution and harras me me every time I was looking for a job sending wage execution notice to each employer. Currently and they know that I 'm unemployed and got a XXXX XXXX making me judgment proof status. Until today 's date we do n't have real documentation that midland funding is the new creditor and XXXX XXXX XXXX did not provide any crucial documentation. Even though there was a lawsuit from CFPB halt them to stop collection activities, the judge is aware of this but it was ignore.

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

Complaint: I have sold about {$27000.00} of crypto currency using Coinbase. 
The sale of the currency itself was fine, and I have been able to transfer it all into, which is sitting in my Coinbase wallet. 

However, I am unable to withdraw it from there. In order to withdraw money, you are required to verify a bank account with then, by using the account to make a deposit into your Coinbase Wallet ( in ). 

They state that this process will take 1-2 business days. 

On XXXX XXXX, 2018, I submitted a deposit from my bank account of XXXX, which reached my wallet within the day. Coinbase immediately credited my wallet with this, but my bank account was still marked as unverified, so I was still unable to make a withdrawal.

This was still the case on XX/XX/XXXX, so I submitted a support request. 

I received what I assume to be an automated response on XX/XX/XXXX. I assume it was automated because it contained instructions for making a deposit, something I had already done successfully. I responded immediately and pointed out that this was not my issue, and I had made a successful deposit already, but my accojnt was still not marked as verified. 

On XX/XX/XXXX I received another response. This one stated that my case had been escalated to a specialist, and contained additional advice for making deposits ( that I did not need, having made a deposit successfully ). It also recommended I check that my bank account was listed as a payment method, which it was, and I have checked every detail to ensure it is correct, which it is. 

I responded on the day, pointing out that everything was in order from my end, and I have sent several follow-up emails since. However, Coinbase have not yet responded to any of them. 

I would like to verify my bank account so that I can withdraw the 22,000 or so that is sitting in it. Every day they hold on to it is an additional risk, as exchanges are hacked and targeted all the time. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My wife was laid of in XXXX of XXXX and we applied for a loan modification through our mortgage company, Ditech, in XXXX. All documentation was received and cleared by them in XXXX of XXXX. We were instructed by Ditech that it would take approx. 60 days to review the information and get back to us with the decision. It is now XX/XX/XXXX and I have called Ditech many times with no resolve. Each time I have called a representative states that it is still being reviewed by underwriters and to call back next week. This is until last week on Friday XXXX. I have called 3 times and it does not connect me with or give me any option to talk to a live person but directs me to a voicemail. I have left XXXX message and have not been called back with an update of the status. At this point, due to financial constraints we are substantially behind in our mortgage and need help with no support or resolution in site. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this account numerous times. I 've never owned an account with Afni Inc . I have contacted each credit bureau of which this company has reported a debt under my name. The company can not verify any account under my name with them. 

As a result, I have been penalized with higher than usual apr rates for credit I have been approved for on loans and other lines of credit. I have also been denied credit when needed and housing twice, or charged larger deposits. 

It is unethical and illegal to try to falsely collect a debt that does n't belong to someone.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: RE ; CHASE HOME FINANCE - LOAN # XXXX This is my last and final attempt to get help avoid foreclosure. It is now over 3 years since i requested for Chase to help me avoid foreclosure under a HAFA Short Sale. After XXXX different realtors working on my request, Chase keeps playing games stating that i need to hire a new realtor in order for them to review my account for a HAFA Short Sale. 

Now this is the XXXX realtor that i hired, an application was provided again for the 8th time. Chase now is telling me that my application was received since XX/XX/XXXX however the processor ( XXXX XXXX - XXXX ext XXXX ) who is reviewing the file is out on vacation since XX/XX/XXXX and they dont know when is he returning from vacation. 

Im not sure if thats a reasonable answer but this is ridiculous that after 3 years trying to get this HAFA Short Sale approved. Chase keeps getting away with this excuses. 
please help since i feel that Chase is just purposely delaying my application so the program can expire and foreclose on my home. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I closed this account in XX/XX/XXXX/XX/XX/2014 and established service with another carrier. XXXX XXXX XXXX continued to charge/bill me for services, I had closed/canceled. I 've called and wrote letters to resolve this issue with no avail. I mailed a check showing where account was paid in full. XXXX XXXX XXXX never responded to my letters disputing these charge.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (TX).
Issue: Struggling to pay mortgage

Complaint: I became behind in my payments and sent them ALL of the information for a modification and they kept kicking it back saying they either did n't receive the information or it was n't complete. The last time I submitted the information they stated they received all of the information but did n't receive it in time. I then received a foreclosure notice but filed bankruptcy to keep my house. I was supposed to make my first payment XXXX XXXX but they have deactivated my account AND I am unable to make a payment. Additionally they are n't taking my calls or my attorney 's. I believe this was deliberate ploy to take my home because they are getting paid for loan especially if it is an FHA mortgage. They are doing things that should n't be done and it needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Using a debit or ATM card

Complaint: Bank of America is the worst when it comes to fraud protection. I 'm always getting my card shut off for very small amounts ... much less than my balance and even when I 'm at dinner at a restaurant for a very small amount. I 've never had a returned check on my account and have been a customer for over 20 years. And then when I call about it it, I 'm on hold for more than 45 minutes just so I can use my card. This is ridiculous!! If they are going to put my card on hold, then get to me right away!!

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