milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XX/XX/2018- Received notice from XXXX XXXX service that my TransUnion file had been accessed by XXXX. 
XX/XX/2018- Reviewed my TransUnion report on-line that noted a new phone number was added to my report and an errant address during the XXXX inquiry. I called TransUnion and the representative indicated he would remove the bad phone number. We placed a a fraud alert on my credit report. He advised calling XXXX to see if any account was opened. 
XX/XX/2018 Called XXXX at XXXX XXXX the representative indicated an account was not opened and we should file a complaint with ConsumerFinance.gov to have the inquiry removed from my credit report.

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 04-05-2018 about Debt collection (Medical debt) with Capital Accounts, LLC (NY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have called Capital Accounts on several occasions to inform them that the amount they have on my credit report is wrong, I asked them 3 times to retrieve the original bill, I spoke with XXXX once and XXXX 2 times. XXXX stated he would send the original bill to me via of email. I never received it I obtained the bill thru my insurance company. so once again I called Capital Accounts to make arrangements to pay he said he could adjust the amount to XXXX, what I actually owe. But when I received the email it still had the enormous amount of XXXX. I have the email and the original bill from my Insurance company stating what I actually owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2016 about Debt collection (Payday loan) with Risecredit, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do owe a debt and am paying it down, however, " until the debt is paid, collection attempts must continue '' is what I 'm told. It 's Sunday morning, XXXX XXXX and XXXX CDT. They have called 5X this morning already, on a Sunday, staring with the first call being a XXXX sharp.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Bank account or service (Savings account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a Bank of America account with my mother and after reviewing the account it was closed. I deposited {$600.00} into the account on the day we opened it. There were XXXX different deposits. A cash and check deposit XXXX for {$300.00} each. After we were told the account was closed the bank sent us a {$300.00} cashiers check. Confused as to why they would not give us a {$600.00} check we called bank of america 's service center and they told us to go to the bank in person. When we arrived they said they could not refund the check we cashed without a bank statement from the bank the check was from. We came a 3rd time and brought each document they asked for and said that we should call the service center. The banker called and said there was nothing they could do. So she asked for a supervisor but was put on hold for over 1 hr and nothing. Very frustrated that my money is being held illegally.

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 01/23/2018 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT : MIDWEST RECOVERY SYSTEMS {$360.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity  theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS {$360.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Credit decision / Underwriting

Complaint: My husband and I are trying to refinance our mortgage with XXXX XXXX XXXX XXXX. Beneficial who now holds the mortgage is refusing to send XXXX XXXX a 12 month payment history even though I 've never missed a payment. I think they are doing this on purpose so they can keep collecting the 8.2 % interest I am currently paying them. For 6 weeks they kept telling us they were doing it, then they said because we filed bankruptcy ( of which they were not a part of ) 5 years ago that they ca n't send the request of 12 month payment history to XXXX. This is not the first time I have had problems with Beneficial. I tried to file a complaint with the XXXX last year or year before last because they were not taking the tax payments I was making to them and applying it towards the taxes. That was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Re : Case # XXXX Since my last contact with you, the servicer for my mortgage loan has changed to Rushmore Loan Management Services. My loan number with them is XXXX. They refused to accept the modification package from the prior servicer, XXXX. They demanded that I resubmit on their forms. I did this. I made sure these forms were complete to the nth degree. 
Now they have sent me a modification offer which does n't modify anything. First, they want all delinquent payments plus late fees and charges. Then, they want me to resume making payments at the original agreed upon amount and rate of interest. 
This type of ludicrous offer certainly does n't help a XXXX XXXX XXXX senior citizen stay in his home. 
What assistance are you able to give? 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Credit card () with U.S. BANCORP (PA).
Issue: Billing disputes

Complaint: I was charged for two months by XXXX that was unauthorized on a USBank secured credit card. I did not authorize XXXX XXXX to charge my credit card after XX/XX/XXXX. I paid cash for XX/XX/XXXX, and ongoing. In XX/XX/XXXX, I was charged for two months ... XX/XX/XXXX and XX/XX/XXXX, even though I was denied access to my storage unit, and the owner forbade me from accessing my property, starting on XXXX, even though his normal policy is that I am not locked out until after the XXXX of each month, and that I may still keep my bill current, as long as I pay by the XXXX of each month. On XX/XX/XXXX, the owner, XXXX XXXX denied me access to my belongings. This is in addition to locking me out on XX/XX/XXXX. When I contacted the credit card company, USBank, they told me that I still had to pay these charges. No. I had already acquired a different storage unit at another facility, starting on XX/XX/XXXX. There was no reason for me to pay for two months for no reason, especially since I did not have access to my property!!! Not only that, but I was homeless, and my blankets were in there, and I froze for most of the month of XXXX! Not only that, but since he charged my credit card for two months, I was unable to purchase a bus ticket to California, to be with my son, and rent XXXX rooms together. My credit is ruined, and I am unable to pay this amount. Not only that, but it is extremely unfair. I had told XXXX XXXX in XX/XX/XXXX, that I was unable to pay for XX/XX/XXXX, and would he help me move my stuff to another storage facility. First, he said he would move my stuff with his free truck, advertised with his business, then he offered his personal car, then he changed his mind and offered a different storage unit, free of charge for two months, then, on XX/XX/XXXX, he changed his mind altogether and stole all my stuff. Then, in XX/XX/XXXX, he charged me for two months, and said if I did n't get my stuff out immediately, that he would charge me for XX/XX/XXXX, as well. This is just crazy. I explained all this several times to US Bank, but they are still charging me, and even though I told them not to apply my deposit held in my account toward this bill, they did anyway. And they call me on average, of XXXX 's a day, including Sundays. I do not owe US Bank, nor XXXX XXXX, nor XXXX XXXX one red cent. It 's absolutely preposterous.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$240.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the 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 04/18/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Billing statement

Complaint: I was never provided the XXXX grace period per the contract I signed. This was reported as balance a day after the purchase was made. No product was delivered at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2016 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Application, originator, mortgage broker

Complaint: I CAME ACROSS LOAN DOCUMENTS THAT I DID NOT APPLY FOR OR SIGN FOR

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX XXXX 2017 {$1.00} Wrong information XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Student loan (Private student loan) with SLM CORPORATION (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Sallie Mae employees on more than three occasions have deliberately made inaccurate statements about what I need to do about my account, including supervisors that I spoke to about the issues. Add to that, they have kept my account almost a year over in forbearance limbo because staff at Sallie Mae, who seem to be paid for interest accumulations, would go on my account and made changes that were unauthorized or would call my co-signer, a XXXX year old person, and coerce her into making decision they know are not in the interest of my account. They have even wrongfully coerced her to pay money which was not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XX/XX/XXXX my Equifax credit report was showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card which are all in good standing. My credit score was listed as XXXX which really is n't good but this was another issue that I previously filed a complaint on. On XX/XX/XXXX my Equifax report was no-longer showing my current installment loan with XXXX XXXX XXXX and XXXX XXXX credit card. My Credit score has again dropped to XXXX which is getting worse than better. I reached out to Equifax regarding this issue and the response from them was that I need a Credit specialist. So I did meeting with a credit specialist at XXXX XXXX. He couldnt understand why this issue was taking place. I took it upon myself to contact XXXX XXXX XXXX and XXXX XXXX to inquire weather or not that they stopped reporting my history. There response from both companies were the same. They stated that they report to all three credit agencies and would not stop reporting either good or bad information. I am attaching correspondence from my conversations with both XXXX XXXX XXXX and XXXX XXXX. These issues that I 'm having with Equifax is not satisfactory in my book. My next step will need to be seeking Legal Council. All Im looking for is that my credit score be reflect my score of XXXX as it was in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (OR).
Issue: Other service problem

Complaint: My account is locked with Coinbase. Whenever I try to logon it asks me for identity verification and when I upload my driver 's license, it says the photo ID doesn't match because it just picks last name and middle name from the driver 's license. And my name on the account is First name, Middle name initial and last name. 

I called their customer support and they keep telling me that case is in the queue and specialist will have to look into it. It has been more than 2 weeks and the account is still locked. Every time I call their customer support they provide the same answer and they tell me they don't the timeline when the specialist will look at my case and they can't help me further. 

Right now all my money is stuck there and I am unable to access it. I am not even sure if my account has been compromised because they are not providing any information and not unlocking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of America is in default as of right now ; FAILURE TO SHOW VALIDATION OF ALLEGED DEBT FAILURE TO SHOW VALID CURRENT LAWFUL CONTRACT USING PERSONAL AND PRIVATE INFORMATION WITHOUT MY CONSENT, 2ND DEGREE FELONY Florida Statute XXXX, numerous legal notices, and notifications ignored, VIOLATION OF COMMON LAW COPYRIGHT, COPYRIGHT INFRINGEMENT PUNATIVE + ATTORNEYS FEES@XXXX PER HOURLY RATE X 46 HOURS total is {$770000.00} Bank of America has failed to rebut ANYTHING I have claimed, therefore they acquiese in tacit procurement and I am starting administrative process for a non-judicial process known as a commercial lien for damages and violations they have committed

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 01/24/2018 about Debt collection (Medical debt) with COOPER HEALTH SYSTEM (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: In response to XXXX 's representation letter I mailed them a letter to their XXXX XXXX ( the only address on the letter and also their automated phone message confirmed this mailing address ) requesting Verification of Debt and all account documentation. 

In addition to the Verification of Debt request, my letter addressed XXXX 's FDCPA overshadowing violation. XXXX sent out a second letter approx. 2 weeks after their representation letter was mailed demanding immediate payment overshadowing my right to dispute the debt. 

XXXX does not pick their mail up as a method to not respond to inquiries such as mine. When I called XXXX during their normal business hours to obtain another mailing address, every extension went to a voicemail. It was impossible to speak with a live person.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Hi, I am having problem with my student loan agency. They continue to call me after I have made a posted dated payment over two weeks ago. They informed me if I made a posted dated that the call will stop. However they have call me almost everyday and multiple times a day. Every time I told them the same thing, that I made a posted dated payment. I feel like I am being harassed ....

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from a third-party agency. Therefore, it MUST be deleted.

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