milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I disputed XXXX XXXX XXXX account number XXXX to Experian. On XX/XX/XXXX I was foreclosed and the property was re-disposed back to the lender. The judge said I was no longer attached or responsible for the mortgage anymore. The Independent Foreclosure Review found XXXX XXXX XXXX for improper foreclosure practices. They wrongfully turned down a modification. XXXX was in connection with an enforcement action related to deficient mortgage servicing and foreclosure processes. Now is XXXX XXXX XXXX. Now XXXX XXXX the Florida Attorney General and the Consumer Financial Protection Bureau have reached a settlement with XXXX. XXXX is operated by XXXX in which was found guilty of mortgage fraud. XXXX XXXX XXXX is trying to collect a mortgage I do not own. I disputed this claim to XXXX and XXXX and they deleted it from my credit report no questions asked. Experian only deleted the foreclosure but not XXXX XXXX XXXX account XXXX. This was about three years ago. Experian back then told me it would be deleted XX/XX/XXXX which is 7 years. Now I called Experian and now they tell me it can not be deleted only to be moved from a negative account to good standing account which the account becomes positive. I explained to XXXX why is this staying on my credit report file if I do n't own it and the other credit bureaus deleted it 4 years ago. Also I mention to him the statue of limitations is 5 years in the State of Florida to collect a debt which is way pass its time. Again, he could not answer me. His final words to me ; The XXXX XXXX XXXX account XXXX is going to a positive status between XX/XX/XXXX to XX/XX/XXXX. It will stay positive in good standing section and deleted from the negative section. He said they can not Re-Aging the account, its illegal. If they do it will be deleted automatic. Right now they need to closed the account for it to be completely deleted other wise it stays on in good standing. He suggest I contact a lawyer. Please reinvestigate this matter and delete the disputed item as soon as possible. Thank you for your time ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (CT).
Issue: Deposits and withdrawals

Complaint: A stop payment was a made for a duplicate payment in the amount of XXXX from XXXX XXXX on XX/XX/XXXX, however, the bank failed to return the items. Their rep stated they are not showing as being returned, she submitted a dispute for the charges. It appears XXXX made a duplicate payment, but do not know how or why it happened, XXXX rep ( s ) did not say who made the additional payment for same amount. Again, the bank failed to stop the items and are now showing as posted to the account and overdrawing it. I need these items returned and overdraft fees refunded, there are XXXX pending items which will be charged fees, paid or returned.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: After reviewing my credit report, I noticed a hard credit pull from a company that I did not authorize. My credit is very important to me and I did not authorize this inquiry.

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 01-08-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. (IL).
Issue: Other transaction problem

Complaint: My father bank wired {$5000.00} to my Coinbase account on XX/XX/XXXX. Due to a name mismatch, Coinbase sent me an email on XX/XX/XXXX stating that the bank wire would be reversed and that the funds should be received within 7 business days. As of today, 23 days later, the funds still have not been received. 

I 've tried to contact Coinbase directly about the issue. In response, they sent me an automated message stating that all wire transfers were being delayed. They did n't reply to any of my further attempts to contact them about the issue. 

I 've also tried contacting their associated bank : XXXX XXXX XXXX in New York. They were unable to help me other than to tell me that I had to contact CoinBase directly because they had not yet issued the reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (DE).
Issue: Problems caused by my funds being low

Complaint: I was a recipient of a UDAAP violation wit PNC Bank. I received XXXX overdraft fees due to a deception with account information in the contract. I currently have overdraft protection on my checking account. but when I switched too XXXX checking accounts and a savings account my overdraft protection only covered my main checking account. This information was not shared with me in my initial contract or when a similar situation happened last year. I received my overdraft fees on Thursday XXXX XXXX and my direct deposit was received on Friday XXXX XXXX. I had XXXX transactions on XXXX XXXX and I was fine letting the transaction go through because my overdraft protection would pull the additional funds from my savings account. I had plenty of money to cover the overdraft in my savings account. I tried to resolve the issue directly with PNC Bank but they are refusing to further investigate the call that was done exactly a hear ago and if the representative explained the limitations of my second checking account. As I first stated this is a UDAAP violation of my protective rights as a consumer. The contact was deceptive t explain my account limitations of overdraft protection and the representative was deceptive by not explaining the detail of my contract when the situation happened a year ago. I was only informed about this on Friday XXXX XXXX in detail and now understand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-12-2018 about Debt collection (Payday loan debt) with BlueChip Financial (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call from this woman who claimed to be serving me papers, I saved the VM on my phone, she was beyond rude and told me she was going to call my place of employment, in which she did and spoke with my boss XX/XX/2018 how embarrasing over a payday debt in which I tried to resolve payments with the actual company since this woman is calling from a private number saying she was a third party collector for her client XXXX, this was for a XXXX payday loan, I immediately called this number XXXX that they told my boss they were coming to my work to serve me papers. Like a fool, they got me, I called back and spoke to a XXXX XXXX who said we were being recorded which I was okay with. He said his client would settle for XXXX and then I proceeded to give him my debit number and agreed to XXXX month per month to make good, then I received an email confirmation showing that they were settling for XXXX??? I called back and this woman, probably same one was very rude, I told her I agreed to a different amount and that I was being recorded I told her good replay it back so I can show them. This document they sent me doesn't even look legit, how do I know if they are real????

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 10/21/2015 about Debt collection (Medical) with M.L. Zager P.C. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX, 2015, someone identifying herself as XXXX from the Law Offices of M.L. Zager, P.C. contacted a third party about a medical bill. They contacted, by phone, a relative who lives in a different household and has nothing to do with my finances at all, asking about me and saying I owed them money. The phone number they called is not a phone number that has ever been associated with any of my accounts, so I do not know how they got it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Credit card () with CITIBANK, N.A. (MO).
Issue: APR or interest rate

Complaint: Sears Credit Cards is charging 21.99 % APR and this is excessive in light of todays interest rates. I pay between 14 % to 16 % on all my other credit cards and I think this is userous and predatory and unethical for them to be charging this much in interest. I pay {$53.00} per month in interest on a balance of only {$3300.00} so when I may a payment of {$100.00} which is greater than the minimum I still am paying over 50 % of the payment in interest, This is just unfair.

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 01/13/2017 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been fighting for my home for 8 years now. It all started off with predatory Lending.From XXXX In XX/XX/XXXX I made XXXX and was approved for XXXX loan which I did not see the money. then in XX/XX/XXXX I received a foreclosure notice. I file for bankruptcy in XX/XX/XXXX until XX/XX/XXXX. then I lost my job. ( From XX/XX/XXXX until XX/XX/XXXX my bankruptcy attorney and XXXX Attorney took my house payment they said in " Good Faith ) Then in XX/XX/XXXX I found out they had sold my house to a new lender ( XXXX ) then in XX/XX/XXXX when XXXX tried to evict me and the judge told them they could not evict me because they had sold my home while I was in a stipulation to stay in chapter XXXX bankruptcy. I recieved a Quit Claim Deed and the house was transferred to me for XXXX ( XXXX ) amount. then when I went after XXXX in Federal Court they could not prove ownership ( and neither could XXXX ) my case was dismissed with Prejudice ) and I Remained in my home. In the county Records it states that the home is mine XXXX transferred it to me. Now their is Wilmington trust and XXXX that claim they are to new own and is the note holder the problem with this is there is two different NOTE and the DEED OF TRUST that they have states pay without prevision to XXXX. now Wilmington Trust and XXXX is trying to take my home through Summary Judgement. And they are not a trust connected to my home. The loan number does match and a XXXX for Wilmington Trust stated to me that 'They are the Big Bad XXXX Boys From California and they will get my home '' Im sure that Wilmington Trust has been hit with all kind of housing, deeds and Note fraud. I just want someone to hear me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: check smart is corporate office for Easy money in XXXX tn. At first the local Easy Money on XXXX XXXX in XXXX kept calling me 10 times a day every day. Now the corporate office called check smart calls me every day including Sundays! I have sent them a letter requesting they contact me with correspondence and not to call me at work, but they are also calling me at work as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I am owner of business called XXXX XXXX  I moved this business 6 months ago and have been desperately trying to have our address corrected. I call Experian business 3 times at XXXX and was told all 3 times all I have to do is get a copy of said business report from them for a fee and then log into report after all personal information has been verified and correct it. I also did that 3 times as there is a place there to update new address. I have now gotten 3 emails saying they have closed the case and not updated the new address. We are trying to get a bank loan and can not do so until our new address is updated so after I paid {$55.00} for another report as instructed, I still do not have this corrected. This report was purchased from Experian business at XXXX as instructed Old Address XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  Attn XXXX XXXX New Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Attn XXXX XXXX Please correct this asap

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 11-09-2017 about Debt collection (Medical debt) with CAINE & WEINER COMPANY, INC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/XXXX I checked my report to see that this company has destroyed my credit report for a debt that I am not liable for. I hold " NO CONTRACT '' for the alleged debt that this company is attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: For years   XXXX    XXXX   XXXX  reported only to experian about  XXXX  debt I do not owe, according to experian they 've verified that I owe  XXXX   XXXX   XXXX  these  XXXX   XXXX , not sure how because  XXXX   XXXX   XXXX  was never able to validate with me. experian has refused to re-investigate and after many years will not re-investigate the information.

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 02-05-2018 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: Information belongs to someone else

Complaint: Previously filed complaints not resolved. The wrong name, XXXX XXXX, with an address in XXXX still show-up on my credit report. The fact that the false collection shown by these agencies is now removed, doesn't nothing to fix the underlying problem. The next time this bimbo has a late charge or collection it will again show-up on my credit report because her information is falsely shown on 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 non-monetary relief
Consumer complaint received 03-12-2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have been fighting with Commonwealth Financial systems in XXXX Pennsylvania for the past 2 months to get them to send the assignment of debt letter per Florida statute 559 .27 and they have yet to send said assignment of debt letter that gives me the 30-day mandated dispute of validity. I have asked for them to remove all trade lines from all credit bureaus and while they have told me that this was done I still see their tradeline on my XXXX credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Today, XXXX XXXX, 2016 I can not apply for a personal loan to pay for the XXXX to address the XXXX son XXXX is suffering because OCWEN is reporting to XXXX that my home loan is paid in full but still open and OCWEN has pulled my loan completely from XXXX and OCWEN has update the information with XXXX that was incorrect last week when the other bureaus were correct. This instability has been going on all of 2016 since OCWEN posted the {$76000.00} Keep Your Home California funds to my account and the {$5000.00} HAMP incentive funds to my account that I received for paying my loan on time for six years. Once OCWEN posted those funds, they removed my name from the account and have kept my credit score in a constant state of flux. OCWEN told the Attorney General and CFPB that I had failed to get a KYHC document signed and notarized when in fact that document was not sent to me until many months later because OCWEN had removed my name from the loan and they had no reason to send me that document because they had taken my name off ( even though I was the one who had applied for the KYHC funds and those funds were granted to help me and my son ). OCWEN has kept my son and I financially crippled since XXXX 2016 and shows no sign of making a permanent correct to stop harming us financially. My credit score has been going from Excellent to Poor, back and forth and each time I click on the reason why, OCWEN shows as the change. Comments they put on my report cause the score to drop. Untrue information they post causes my score to drop. They remove it, correct it and then post untrue information again and again. The nightmare has been going on all 2016, preventing me from being able to afford a loan to help my son. 
XXXX XXXX of XXXX just called to tell me that even if OCWEN begins working to correct this, it could take WEEKS before my score is restored. This means my XXXX son has to XXXX weeks and months longer each time OCWEN repeats this mistake. XXXX ' XXXX due to the delay OCWEN has caused. As is, XXXX is having to XXXX because of problems caused by medications he would not have to take if OCWEN had not delayed his XXXX so many times this year. 
XXXX XXXX XXXX XXXX said that OCWEN needs to realize that when they REMOVE my loan, they ca n't just start transmitting updates. They have to put the loan back on before they can transmit updates. OCWEN routinely tries to transmit updates without repairing the damage they have done and they blame the bureaus for this not working. It is 100 % OCWEN 's fault this is happening. XXXX as a result of this unwarranted financial harm which is preventing the funding of his XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (CT).
Issue: Deposits and withdrawals

Complaint: I have been having a significant amount of fraud on my citi bank checkings account. I asked citi bank back in XXXX to Cancel my account instead they just gave me a new debit card. In XXXX i had identity theft, my computer got hacked an all of my finacial accounts XXXX being citi bank got comporomised. Someone stole my identity and withdrew {$1400.00} from a teller. The branch is located in XXXX according to the customer service representive i talked to, to initially create the claim. Everytime i call citibank they transfer me to someone in XXXX and I hate it. I called in XXXX to make the claim and the representitive never even made the claim! I called back in XXXX to get a status update amd was told the claim was never made and so i had to wait longer to get my money back. I tried to file a police report and citi bank said they do not have the video anymore that is deleted after 30 days amd that there was no way they could help me. So they XXXX me over when it came to getting the autorities involved, the police said i needed solid evidence to accuse the people i was trying to accuse and citi bank could not provide me what i needed. I have been calling for 2 months now, I never got a letter or an email about the status of my claim and every person i talk to is incapable of doing their job. I am currently living on the couch of my sisters apartment because citibank has not given me my funds back so i can attempt to look for a place! I called my friend who works for XXXX in XXXX XXXX XXXX XXXX and he told me to take these actions. I need my money back!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Citi bank, otherwise known as CBNA did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from Citi because my magnet strip was not working on my current Citi card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from Citi nor have I applied for a credit line increase on my current Citi card.

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 07-05-2016 about Mortgage (VA mortgage) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Application, originator, mortgage broker

Complaint: Closed on a home on XXXX XXXX, 2016. Received a notice in the mail from USAA saying they " completed an analysis of your escrow account, and has adjusted your mortgage payment to reflect changes in your real estate taxes or property insurance. '' The difference in our monthly payment is {$240.00}. How can they raise our mortgage payment if we 've already closed and signed based on a completely different agreed upon payment? Why was n't an " analysis '' done before we closed?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I was repeatedly contacted by Account Manager XXXX XXXX even after a open inquiry disputing several charges. I called to complain to their escalation department and the customer service representative said they are a " legal front team '' and implied that I had no right to complain about how disrespectful the Account Manager was to me. I insisted that I be connected to the escalation department where I can file a complaint. I requested a different Account Manager a XXXX XXXX. I was told I would hear back from them within 48 hours but not response after a week and she has sent another threatening letter giving me until XXXX XXXX to call her about the debt. Is this legal to be dealt with in such a matter? It is not my intention to evade the debt but with someone that is n't so rude.

Company response to consumer: Closed with explanation