milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/15/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (SC).
Issue: Loan modification,collection,foreclosure

Complaint: We lost our home in the XXXX 2015 flood. Because of the location of our home, NationStar placed us with insurance through XXXX XXXX XXXX XXXX ( XXXX ), Certain Underwriters at XXXX XXXX XXXX. The value of the policy is {$110000.00}. This exceeds the payoff amount, the actual property value and the amount of the mortgage loan. In XXXX, NationStar received a settlement from XXXX for approximately XXXX % of the policy value. Unfortunately, the home can not be repaired as described in the insurance settlement as it has been declared substantially damaged by XXXX County and must be elevated if we are to return to the home. I contacted an attorney and met with him on XXXX XXXX. On XXXX XXXX we received a letter fromt he law firm stating they would not be able to help us ; there was not additional explanation in the letter. I have asked XXXX on numerous occasions, both verbally and via email for a copy of our policy, for my appeal rights and for their grievance procedures. All requests have gone unanswered. I 'm afraid that our appeal rights have since expired and that waiting for an attorney may have cost us valuable time and opportunity to move forward. I have contacted my Representatives and Senators at the local and national levels with no headway. In fact, some people I 've spoken to have actually advised applying for bankruptcy or allowing the mortgage to default. These are not viable options in my opinion. The attached letter contains detailed information you may find helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (PA).
Issue: Other transaction problem

Complaint: Coinbase XXXX # XXXX Coinbase / XXXX have suspended my account due to a return payment. 

I selected the wrong payment type and subsequently canceled the payment cause of insufficient bank funds. 

So Coinbase XXXX has locked up all my fiat and cryptocurrency. I 'm unable to log into XXXX, which is where all my funds are. I 'm unable to withdrawal funds, which I was planning to use for some of my bills. They have XXXX of my yearly salary locked up in their system, and I ca n't even see my balance. Very Scary to me! At this point I 'm scared they may have stolen the funds. 

My attached email is dated XXXX XXXX, but I 've been trying to get this resolved for 2 weeks now ( I 've had more than one case # ). The email says something about verifying identification, which I had already done when I opened the account. The rep I spoke to on the phone said I should wait to hear back before resubmitting my ID. CoinbaseXXXX ID verification system is broken also, making this task seemingly impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Medical) with Phoenix Financial Services LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have held health insurance for over seven years. I found this account on my credit reports but have never had any correspondence from them regarding this account. My personal details where compromised in 2012. Please verify the address on this account because there have been attempts to open accounts from an address that is unknown to me in my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 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: Information belongs to someone else

Complaint: I have requested that the following accounts be removed immediately from my credit report. XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX, XXXX XXXX XXXXXXXX Act # XXXX. These accounts are fraudulent accounts on my credit report. I have sent a certified letter to the credit bureaus disputing theses accounts, as they are not correct. I challenge the accuracy, compliance and reportability of this listing. 
These accounts are still being reported inaccurately and are extremely damaging to my credit : In accordance with the Fair Credit Reporting Act sect ion 168i, your company is required to reinvestigate these items and delete them.

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 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Please note that this is not a DISPUTE but a request for complete COMPLIANCE and Challenge for Non-Compliance in accordance to the FCRA. 
I have recently reviewed my credit report as I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 
Upon review, there are injurious, UNPROVEN, NON-COMPLIANT and Inaccurate items being displayed on my credit report as per XXXX XXXX XXXX. 
I have attached What these items are :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I file chpt XXXX bk back in XXXX XXXX, reaffirmed the debt in XXXX XXXX, recently in XXXX XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XXXX XXXX, XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over XXXX points ....

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Debt collection (Medical) with Receivables Management Partners, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been contacted by a doctor 's office and now a bill collector for collection of a " missed appointment '' fee that is not mine. I called the doctor 's office and sent them a letter XX/XX/XXXX to tell them that they have made an error. The bills kept coming. Now the bill has been handed to a collection agency. My daughter ( who is taking care of my bills while i live out of the country ) contacted the collection agency to dispute the claim and demand proof that i made this appointment, however they returned a copy of the bill as " proof ''. This is NOT proof of anything. I stopped using this doctor in XX/XX/XXXX after they wanted to order unnecessary tests. I have also moved from the US and now live in XXXX with my husband. I only come back to the USA in XX/XX/XXXX and XX/XX/XXXX which is when i make my doctor 's appointments. The appointment in question was from XX/XX/XXXX or XX/XX/XXXX. Further, i have had another doctor who i am happy with and have no reason to need to use my ex doctor 's services. Obviously the doctors office made an error when booking this appointment and expect me to pay for it, which i will not. The original fee for this " missed appointment '' was {$25.00} and now ballooned to {$27.00} due to added interest. I just want them to either prove to me that i actually made this appointment ( do they have " my call '' recorded? ) or STOP harassing me for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2015 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (NJ).
Issue: Taking out the loan or lease

Complaint: I tried to take out a loan with ace cash express. They told me I had to send a fee that would cover the loan if I was unable to pay. {$240.00} later, I never received the loan and I was out my money. I made numerous phone calls to them and they told me they would not refund my money and there was nothing I could do. I will never do business with them again. They scam their customers and take advantage of their difficult situations. I struggle to get by as a single mom and I thought this would be the answer, clearly I was wrong.

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 04-11-2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am disputing the inaccurate information the Chex-Systems has on my credit report. I initially submitted a police report on XXXX/XXXX/16 and Chex Systems only deleted the items that I mentioned in the letter and not all the items that were actually listed on the police report. In other words they wanted me to say word for word to them what items were fraudulent. The total disregard of the police report and what accounts that it states that are fraudulent. If they just had paid a little closer attention to the police report I would not been in this position now and they would n't have to research once again. I would like the reported information to be removed : 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 04-07-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Documentation was sent to Experian listing a request for the deletion of multiple inquiries that were listed on my report in error. I also spoke to someone in their special handling before it was not helpful even though she had my police report that I previously sent. Proof of any signature on an application from me requesting credit. The following are the inquiries that I expect to be removed : 1.XXXX XX/XX/XXXX, 2. XXXX XX/XX/XXXX, 3. XXXX XX/XX/XXXX, 4. XXXX XX/XX/XXXX, 5. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 5. XXXX XX/XX/XXXX and XX/XX/XXXX, 6. XXXX XX/XX/XXXX, 7. XXXX XXXX XX/XX/XXXX, XXXX. XXXX XX/XX/XXXX, 8. XXXX XX/XX/XXXX and XX/XX/XXXX, 9. XXXX XX/XX/XXXX, 10. XXXX XX/XX/XXXX, 11. XXXX XX/XX/XXXX and XX/XX/XXXX, 12. XXXX XX/XX/XXXX and XX/XX/XXXX, 13. XXXX XX/XX/XXXX, 14. XXXX XX/XX/XXXX, and 15. XXXX XX/XX/XXXX. I also have XXXX accounts that I asked for verification on and was refused. I understand that it 's my right to have everything report so I expect for that to happen. The accounts are follows : 1. XXXX, XXXX, XXXX, and connected account number XXXX is showing me having a late payment which is in accurate. I 've never been late on my account so please have that fixed. All I want is for Experian to follow the laws which are set up to protect us as consumers.

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 12-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX and XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my basic training and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (OH).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: On or about XX/XX/XXXX, I noticed my monthly statement from Lowes had a late fee charged. I called Lowes customer service number and explained that I noticed a late fee charged and that my payment is not late. I have my monthly payment taken out on auto bill pay from my bank. The payment is made the day before the due date. My payment date is the XXXX of each month ; and it is paid on the XXXX. When I call Lowes, they reverse the late charge. Unfortunately, charging a late fee occurred every month. I had to call every month to tell them the same thing ( late fee should not be charged. payment is not late. ) and when I was charged twice for a late fee, ( one fee for being late, another fee for not paying the late fee with my payment ) -- -they would only reverse one of the fees!!! Lowes has since penalized my account because they said I am late so often ( lie ) they have raised my interest rate!! -- -- I notice on my monthly statements, that XXXX XXXX is who takes care of the monthly statements ; I have a JCPenneys  account, too. XXXX XXXX is also the institution that takes care of JCPenneys monthly statements, and I have never had this happen on my account with them. I want this fraud attempt to stop -- -- I want my interest rate put back or lowered. I have not checked my credit report as of yet, so I do not know if Lowes has been reporting late payments on it, and if they have I want all negative remarks or statements removed immediately. one more thing, I initially filed a complaint with BBB, the BBB contacted Lowes, and I did receive a call once from Lowe 's around end of XX/XX/XXXX of XX/XX/XXXX ; and have not heard anything from Lowes since ; I contacted BBB on XX/XX/XXXX for follow up telling them I have not heard anything from them or Lowes, and they said to refile complaint with BBB.

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 02/22/2016 about Consumer Loan (Installment loan) with Marlette Funding, LLC (NH).
Issue: Managing the loan or lease

Complaint: I have a personal loan with Best Egg. I innocently forgot to pay it on XX/XX/XXXX, the due date. The very next afternoon, I started receiving robo calls EVERY HOUR nearly. This is harassing and extremely excessive. I have previously spoken to someone about this at Best Egg, yet nothing has been done. I am not months late but a day or so. I can not stand to continue receiving calls like this, especially if I am at work. No messages are ever left, it just a robot. I have since set up payment, but continue to get calls constantly, literally all day long. This HAS to stop!

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 08-10-2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the Judgment on my Experian report XXXX times, twice sending them a copy of the judgment showing where it was cancelled in XXXX 2015 and should be removed from my report as XXXX and XXXX have already. They still show it as satisfied and it should be removed being it was cancelled/voided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Equifax refuses to give me information over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX, I checked into a hotel where the total was {$240.00}, so I deposited {$260.00} into my account to cover the cost of the room. As I checked in the young lady informed me that the hotel would place a hold on the funds needed to cover the room plus an extra {$20.00} per night to cover the hotel 's incidentals fee, I said that would be fine and checked in. On XXXX XXXX, XXXX when I checked my account there had been a charge on my account for {$170.00} made for a garnishment, XXXX that I had been informed by letter would not take place and the funds would be removed from my tax return of the upcoming year, and the hold that covered the hotel cost was now gone. I tried calling the bank and I was informed that it had nothing to do with the transaction, and that I would have to call the state revenue offices for them to release the funds and once the revenue office did so that the bank could place the funds back into my account. I then called the revenue office and spoke with a XXXX XXXX id number XXXX, where she informed me that the bank infact did know about the transaction and approved for the funds to be moved yesterday, XXXX XXXX, XXXX. She also informed me that the funds had not yet been transferred to them. So, I called the bank back and spoke with XXXX, who says that even though the revenue office did not yet have the funds they were the ones that had to reverse the transaction. After he tried to explain the situation to me, I asked him about the funds that were on hold for the hotel and he says to me that the hotel never placed a hold on the funds and that there was no record of any transaction involving a hotel. I then tell him that I would not have been able to check in if the hotel could not place a hold on the funds in my account ; I knew better because I have been homeless and living in hotels sine XXXX of XXXX and the hotel has always placed a hold on the funds to cover the cost of the room plus the incidental fee. I have had incidents before where the bank has shuffled around transactions that would leave me in the red but never much. I would just like for the funds to be placed back into my account so that I can cover the cost of the hotel room.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I was fraudulently enrolled in a debt protection program XX/XX/2008. It took 4 months to get a response on proof of enrollment. The letter states I was enrolled by telephone which is not factual. No such conversation took place.

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 09/26/2017 about Debt collection (Other debt) with Rent Recovery Solutions (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX XXXX and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation