milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: In my credit report it shows 2 late payment to my mortgage company ( XXXX ) with dates of XX/XX/XXXX & XX/XX/XXXX. During those times I was on military duty and submitted copies of my orders for that time period. However, it still shows in my credit report and I have requested the company to correct this issue. I submitted the documentation again and I have not heard from them on this issue. Under USERRA law, I am protected of such things due to not being available at the time of these issues. I have since paid them with the late fees.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of the recent XXXX data breach and identity theft. The following account, collection account and hard inquiries are fraudulent, unauthorized and dont belong to me : XXXX XXXX {$170.00}, XXXX XXXX {$140.00}, XXXX XXXX, XXXX/XXXX/XXXX, 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 11/24/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. ().
Issue: Fraud or scam

Complaint: I used to work with coinbase to buy bitcoins and till now everything worked fine. 
1-2 weeks ago when bitcoin price crashed a bit i wanted to buy some bitcoins fast. 

so like every time i logged in and ordered some bitcoins. 
after the purchase i was asked to verify to speed things up else they would hold the coins for 3 days. Which was strange because i already was verified! 
i tried to verify again ( they asked for driver license ) but on the mobile it did not work and on my pc i have no webcam.. after some tries i got a error message and was logged out. Now i cant login because my account got locked. 

i already tried to contact their support of course but on phone i gave up cause no one i answered for over 30 minutes and via email i got an automated email they are " looking '' at it.. 

i ordered the bitcoins ( worth XXXX ) on XXXX 2017 and so i got not a single response till now! 
i just want my account to be unlocked and send the bitcoins to my wallet..

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with I.C. System, Inc. (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The address that this company has listed as the address where the services were used, is an address that I have never lived at. I have been disputing with the credit bureaus about this as well.

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 03/15/2018 about Debt collection (Other debt) with LendingPoint Holdings LLC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On or about XX/XX/2018, I was alerted by XXXX  Credit Bureau that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Credit card () with CITIBANK, N.A. (NC).
Issue: Customer service / Customer relations

Complaint: This account with Citibannk has been closed for years, and I have been paying it off for years. My mother who is now deceased was the primary on the account and I was secondary. The debts were mine, so even though mom is gone I told Citibank I would be paying it off, which I have been. 
Several months ago they debited my bank account for double the payment amount, two months in a row, which I stopped payment on as it was double what had been authorized. 
The following month I began paying again as usual, but Citibank started writing and saying I was " behind '' and I needed to set up a payment arrangement. If they had n't tried to take double payments, there would be no " behind '', but regardless, I wrote and explained I 'd be paying XXXX a month ( more than the minimum due before this started ), and I have been. 
Now they have sicced some estate recovery service called XXXX on me, to harrass me some more, and they returned my letter that I sent with a copy of my bank 's payments to them. ( I set up autopayments to them from my bank, as they refused my access to their own online payment site ). 
They apparently are angry I will not give them my phone number, so they can call me incessantly. I am a XXXX, and I do n't want to talk to these people on the phone - I sometimes ca n't understand them, especially the foreign ones they employ, and also I want everything in writing with Citibank, as I do n't trust them. I have corresponded with them, made payments ( and continue to do so ) and I want them to stop harassing me with these collectors! I am paying XXXX per month as I told them I would, even though this is a hardship because I can only work part-time. 
I want them to communicate with me IN WRITING. I want them to stop trying to harass me with other agencies just because I wo n't give them my phone number! I do n't understand why a company this size apparently has no one who is capable or willing to communicate in writing.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a bankruptcy reported on my credit report that is incorrect. I have disputed it and the CRA has maintained that the court has verified it. This is a lie, the court verifies no such information. I have included the transcript of the voicemail left by th e Clerk of Court. She has provided her number if they need to call for follow up. I 'm  not sure where they are getting the information but it is not from the court as they have said. Additionally they verified the bankruptcy as a reported "  XXXX  '' balance case. I 'd like to know who files bankruptcy on for a  XXXX  balance? The clerk has also verified they do not provide social security numbers or birth dates to PACER or the likes. The reporting of this information is a clear violation of the FCRA.

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 08/16/2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (CA).
Issue: Shopping for a loan or lease

Complaint: When recently purchasing a new XXXX vehicle, I went online to the Ford website and got pre-approved for their financing. The website directed me to print out my pre-approval and take it to the dealership when purchasing the vehicle. When I went to the dealership, I gave them my pre-approval. They made me fill out a whole new credit application even though I questioned why I was being asked all the same questions I had answered online on the Ford website to obtain approval already. They said that they did not have access to that information, even though the Ford site said that the dealership would be able to look up my information and provided a reference number for them to use to access my pre-approval. I believe the dealership ran my credit again unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My loan transferred to Loan Care in XXXX. They boarded the loan incorrectly saying that I did not have a homestead exemption. They failed to notify me and failed to maintain my homestead exemption per RESPA requirements. I have now overpaid my taxes by over {$1000.00} since XXXX and they continue to raise my escrow payment. I had to go work with the XXXX County Central appraisal district on my own to the the exemption updated for XXXX and XXXX, however they would not do anything for me on XXXX and XXXX. I expect Loan Care to fund my escrow account for XXXX and XXXX for the amount I was overpaid due to their acquisition error and overpayment of taxes.

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 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Problem with fraud alerts or security freezes

Complaint: On XXXX XXXX, XXXX, Equifax reported a breach for over 143 million consumers due to a breach of consumer data from their system. The issue was known by the company on or around XXXX XXXX, XXXX and they failed to inform the consumers of the issue. Before they notified consumers of the breach, the CEOs sold millions of dollars worth of their stock. I checked their website and found that me and my adult children could be part of this breach. I have been able to freeze my credit on the other two reporting agencies but can not do this with Equifax. I have tried multiple times starting on XXXX XXXX, XXXX to freeze my credit with Equifax both online and via customer support with no success. The website will not give me a PIN number to freeze my credit. The robo messages that I receive when I call tells me to submit my personal data in a letter that only goes to a XXXX XXXX in XXXX Georgia. There is no way that I know that my data would be compromised again since I can not certify or register the letter due to the letter being sent to a XXXX XXXX address. I do not plan to do this. When I eventually get to talk with a customer support representative they tell me they can not freeze my credit by phone. A promise of a supervisor to call me back was noted on XXXX XXXX, XXXX and no one returned my call. I have also contacted the FTC and filed a complaint. The consumers never signed up with this company to deal with my credit. We as consumers should have lifetime monetary coverage by this company in the event that our identity information is compromised in the future. They should be the responsible party to correct this issue on a lifetime basis with no cost to the consumers affected. many consumers can not afford the cost that could be incurred due to this breach.The CEOs who sold their Equifax stock prior to the reporting of the issue should be held responsible. They should place all of their sold share profits in a fund to help the consumers recover any losses incurred during our lifetime. The CEOs should be fined and sent to prison for knowingly failing to fix their security issue when first told back in the Spring of XXXX. This whole process is full of negligence and failure to protect the consumers of the United States. Please remember the 143 million + consumers affected by this travesty and do what is right and just for the citizens of the United States. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: TO WHOM it may concern : I am filing this complaint because ocwen my loan servicer for XXXX had approved me for loan modification I did not receive any paperwork.I then had to resubmit to them. 
have been waiting over a month to hear anything other then they are still looking at it I started this process in XXXX of 2015 with the help of law firm. 
the reason for my hardship is separation from my wife. 
I work in the construction field so I have a slow season. 
with work getting ready to pick back up I was hoping to be around the house when they make a NEW DECISION but since I was approved I was wondering why this has to be drug out.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX, and with an account balance of XXXX, we accidentally sent XXXX XXXX XXXX,  Florida, {$2100.00} from our XXXX XXXX account, a payment intended for another organization. The money was subtracted from our checking account and went to XXXX ( serviced by XXXX XXXX ).  We notified XXXX of the mistake and they refunded the amount on XX/XX/XXXX, a satisfactory outcome. This should have closed the matter, but it did not. 

In my XX/XX/XXXX bill and thereafter they unaccountably charged me for that same amount. Recall that I had a XXXX balance. They initially claimed that they did not get my payment of XX/XX/XXXX, although I sent them my bank statement showing that they did. XXXX XXXX  had not blocked payment. 

XXXX changed its story and claimed that they had sent out two refunds of {$2100.00} on XX/XX/XXXX. They gave no explanation of why they would send two, nor did they send evidence of a second refund. They never made a second refund, but they keep billing me as if they had, and with mounting interest. 

I have phoned XXXX XXXX/XXXX numerous times, talked with various customer service representatives ( XXXX, XXXX, XXXX, and others ) and have sent notarized copies of my bank statements. 

XXXX XXXX, it 's legal department, and XXXX XXXX XXXX, the branch manager have become involved and have sent statements and letters verifying that I never received anything but the initial refund of {$2100.00}. XXXX XXXX spoke at length with a supervisor, XXXX XXXX (? ) on XX/XX/XXXX. 

XXXX seems unable or unwilling to drop the fictitious charge. I have supporting documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Law Offices of Gerald E Moore & Associates, PC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Re case #  XXXX  &  XXXX    XXXX   XXXX  ,  XXXX   XXXX   XXXX  and as of today    XXXX   I  received a call from a collector representing the  XXXX   XXXX , the agency is  Brett Borland Law Office.      First the  XXXX   XXXX  attempted to collect over {$4000.00} from me by falsely stating that I failed to give them proper notice to vacate the apartment. They went so far as to write it in my file and put the fee on my credit report and hired  XXXX   XXXX   XXXX  to collect.     I wrote several letters asking the   XXXX   credit bureaus for validation of debt and verification of debt. After several attempts and finally receiving my file from the  XXXX  I reviewed it thoroughly. The discrepancies I discovered made me wonder if  XXXX  had really reviewed/verified/validated, or did they just want money?, I wrote and told  XXXX  that if  XXXX  claims they evicted me, why in my notes from the  XXXX  file is it stating that I owe {$500.00} plus fee for insufficient notice to vacate the premises. The answer is because I vacated the premises and was never evicted.  XXXX  merely deducted the {$500.00} plus dollars and readjusted the amount owed to the credit bureau 's, by fair credit reporting law they were supposed to delete it - or so I thought?     Then the  XXXX  claimed they got a court order from a judge and had a sheriff put me out. I asked  XXXX  months ago to produce the documents because they are making additional false statements and representations. I called  XXXX   XXXX  Courts and no such record exists is what I was told. Also, The  XXXX  released me from my lease due a tenant breaking in my place. I have a document signed by a  XXXX   XXXX   XXXX  and the police report - both of which I submitted to  XXXX  several times, each time they claimed it was not legible after they scanned it in their system. I asked  XXXX  if it were possible to look at the release and police report before they scan it in, then it would be undeniably visible ; they said they would not.     Now ,    XXXX    I go t a call from the law offices of  Brett Borland . The collector said they are collecting for their client the  XXXX  Apartments. Is yet another agency trying to collect on an account for which their is no legal proof of their allegations of a court ordered eviction? And why are   XXXX   agencies collecting for the same account. Just last week  XXXX  was the collector of record?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: I have XXXX accounts with Bank Of America and they have altered the account numbers so that they can continue to report it to the credit bureaus despite the accounts being written off and over ten years old

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 10/13/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My wife and I are repeatedly receiving calls from a debt collection firm in regards to a cell phone debt that we do not owe. They refuse to provide any details about the debt and request us to call back at another number that never gets answered. This company refuses to send us any details via the mail to verify any debt. We have contacted our cellular provider and they have no knowledge of this debt or the company that is calling. 
The phone number we are receiving the calls from is XXXX and from what we can find via the internet is called XXXX. We have received 6 calls from this company in the past 8 days and an untold number over the past 6 months.

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 12/21/2016 about Consumer Loan (Installment loan) with Conn's, Inc. (LA).
Issue: Managing the loan or lease

Complaint: On XX/XX/2016, I was at a retail store and was denied my purchase due to my credit dropping. It was a total shock and embarrassment to me as I had been getting increases in the recent months on other cards I had. 

So I pulled it up on XXXX and saw that Conns reported a 30 to 59 day late payment on my credit. This never happened! I immediately called Conns and they researched it and I spoke to 3 different people that day including a supervisor named XXXX who confirmed that it was reported in error and they would escalate this situation to have it handled immediately as it was affecting my XXXX shopping and a big gift for my kids. 

XX/XX/XXXX I contacted all 3 credit bureaus to dispute this with them. 

On XX/XX/XXXX I called back because it had not been corrected and I had not gotten correspondence. They informed me that on the XXXX the ticket was closed because they needed me to send a copy of my credit report ( made no sense because they reported it ) but nobody ever told me I needed to send it. So I immediately emailed it and was assured it would be taken care of. 

XX/XX/XXXX I called back and nothing happened. I spoke to XXXX who sent me to a supervisor named XXXX who assured me it would be sent to escalation team and I opened a complaint at that time number XXXX. 

XX/XX/XXXX I spoke to XXXX who said it would be at least 30 days because it was in credit dispute department ... I told her the 30 days started on the XXXX. She was going to have a manager call me back within 48 hours because there wasnt one available for me to speak to. I NEVER GOT THAT CALL XX/XX/XXXX I called back and they said the ticket was closed because they need a copy of my credit report ... THAT I EMAILED AND THEY CONFIRMED RECEIVED PREVIOUSLY. Miraculously that person was able to find the credit report and send it back to the credit department and it would take 30 days ... 

XX/XX/XXXX Spoke to supervisor XXXX after talking to XXXX for 10 minutes who told me she could n't find what I was talking about. XXXX said she sees that it has been put in and deleted and put in and deleted but did n't know why they were doing this. Again, sent it to escalation department ... at this point I am sure this is a tactic to buy time and pacify the customer, I do n't think it exists. 

Today nothing has been removed or fixed, XXXX is 4 days away.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Debt collection (Other debt) with Waypoint Resource Group, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX has reported me as a collection for equipment I turned in when I moved. They are also had been billing me for products and services they had never ordered. I did not receive an informed consent prior to charging me for any new services or equipment. XXXX has been sending my account to collections during the charge-dispute process. I receive calls from their customer service as late as XXXX XXXX and at least every other day. I had to block out each number they call from. I was told by the customer service agent that I owed for equipment I turned in, so I went to the same office I turned it at. Well, the customer service person told me I did not owe for equipment, but it was my last bill of XXXX? I do not recall my bill ever being that high. It is usually {$150.00} which I had paid prior to ending my service due to new location and they did not have service in that area.

Company response to consumer: Closed with explanation