milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: TransUnion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score has suffered as a result. No notice was ever given which is also a violation and I am requesting that ALL inquires be removed.

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 EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: hello i have a legal name change that i am trying to update with equifax its being more than 6 months now, thats i have been try to get my name change at equifax, unsuccesfully, i already sent them my new issued social security card, my certificate of naturalization and everything but they still not want to update my information.what is the proper way to get this solve.   thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: Citimortgage holds the mortgage loan to my home. 
I defaulted, and Citi filed for foreclosure in XXXX XXXX Ohio Court of Common Pleas. 
They won. The judgement against me is under a stay, while I have worked with Citi to receive a mortgage loan modification. For 7 months I have worked with Citi for a loan modification. 
On XXXX/XXXX/2016 a Citimortgage " Homeowner Support Specialist '' told me in a recorded call that I can not have a mortgage modification because the loan is owned by XXXX XXXX XXXX XXXX and told me that " XXXX does not participate in the loan modification program. '' The Citimortgage representative told me my qualifications to receive a loan modification were never considered. 
Every document I have seen states Citimortgage owns my mortgage loan. 
Citimortgage participates in mortgage loan modification programs. 
Citimortgage is under a consent decree with the U.S. Dept. of Justice to offer assistance with distressed homeowners. 
I am a distressed homeowner. 
There is something wrong about Citimortgage 's refusal to allow me to receive a mortgage loan modification. I am employed. I am well qualified for a loan modification. 
So do they own the mortgage loan or not? 
If XXXX XXXX XXXX XXXX owns the mortgage loan on my home, why does it not say so in the public record, and how did Citi have the legal standing to sue for foreclosure? 
If XXXX XXXX XXXX does own the mortgage loan on my home, how does that stop me from receiving a mortgage loan modification? 
What Citimortgage has presented me instead of a mortgage loan modification is an impossible repayment plan for all missed mortgage payments, the ballooning finance charges, the late fees, escrow, all their attorney fees & their court costs, well over {$22000.00} and is demanding that I pay XXXX of that whole amount in XXXX lump sum, up front. 
The problem here is that to now, Citimortgage has asserted they own my mortgage loan, and now that I can qualify for a mortgage loan modification they have either A ) ginned up s pretext for denying me a mortgage loan modification or B ) committed some public fraud, claiming they own the mortgage loan when they do not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have been a mobile phone customer of XXXX XXXX XXXX for 16 years, never once was I late on a payment. Last XXXX I ordered a XXXX line from XXXX XXXX XXXX but decided to use a local company called XXXX XXXX instead of XXXX XXXX XXXX. I cancelled the XXXX account which XXXX XXXX XXXX has confirmed and sent back the modem per their instructions. 

I am currently applying for a mortgage, I am an SVP in the mortgage division of a major bank, they advised me that I have an {$82.00} charge off from Franklin Collection ( XXXX ) XXXX that was referred to them by XXXX XXXX I had no knowledge of this account. The charge off has lowered XXXX of my credit scores from the high XXXX '' XXXX to the high XXXX 's. I called Franklin Col and they advised that the {$82.00} charge was for the set up fee of the XXXX modem. When I told them I never received any notice of this debt and was completely unaware of it I found out they were mailing the notices to the wrong mailing address. I live in a townhouse with a street address of XXXX XXXX XXXX XXXX, NC XXXX but XXXX XXXX will not deliver any mail to this address, it must go to my XXXX XXXX XXXX XXXX, NC. XXXX XXXX XXXX had the correct mailing address information for my XXXX XXXX XXXX mobile accounts ( I get a paper bill for my mobile accounts every month from XXXX XXXX XXXX ) as well as my cell phone number and email address but apparently did not pass this information to Franklin Col. 

I have made XXXX or more combined phone calls to XXXX XXXX XXXX and Franklin Col to pay and get my credit report changed due to the lack of notice but all they will tell me is to make a payment. I have made the payment with no paper bill but that is not my major concern, I now have credit scores XXXX points less and will have to pay potentially hundreds if not thousands of dollars more for a mortgage for a debt I did not know about and was never notified about. 

Can anything be done to help me get this repaired. 

XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (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: I leased a car from the Hyundai XXXX dealership and when my lease was up in XX/XX/XXXX, I was told by the dealership if I leased a new car that day ( XX/XX/XXXX ), they would waive the Wear and Tear fee on the vehicle I was turning in. I went home happy with a new XXXX XXXX lease and an intact credit score. 

Months later, I received a letter from XXXX XXXX XXXX ( XXXX ) saying I owe a {$620.00} Wear and Tear fee. I promptly called the dealership ( XX/XX/XXXX/XX/XX/XXXX ) and was assured they would be paying the fee to XXXX and I would have nothing to worry about and I would never hear from them again. 

Another few months pass ( now it is XX/XX/XXXX/XX/XX/XXXX ) and I start receiving multiple calls from the same number and finally answer, it was the Collections Agency calling because the dealership never paid the {$620.00} that they had promised me they would and consequently, XXXX sent me to Collections over it. 

I then go to the Hyundai dealership and the manager of the dealership writes a check for {$620.00} and sends it to the Collections Agency ( that they should have done months and months ago ). And everything was " settled ''. However, this caused MY credit score that I have worked so hard on, and I have never missed a payment EVER, to drop 70 points The managXXXX of the dealership wrote a letter for me to send to XXXX stating I was not the responsible party for this payment and it should be removed from my credit report, which I sent to the HMF Direct Dispute address as certified mail along with a copy of my credit report and a letter explaining the situation on XX/XX/XXXX. I have filed complaints with the 3 credit bureaus as well, but the information on my credit report remains the same.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX   XXXX  sold an accou nt to Portfolio Recovery   XXXX    XXXX   in the amount of {$930.00} and they have been contacting me all times of day and night and threatening to sue. I have no written or signed contract with  Portfolio   Recovery. I have made all  XXXX  credit bureaus (  XXXX ,  XXXX  and  XXXX  ) aware of this matter, yet they continue to report inaccurate information on my report. T his matter has become a troublesome situation for myself and my family. Any help in assisting me with this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of American is actively reporting foreclosure accounts on my credit report that are more than XXXX year old since last activity ... .When attempting to request them to remove these old account from credit report all requests were ignored and XXXX of the letters stated that " they could n't find the account in their system '' ... which is a FCRA violation on multiple levels. They should NOT be reporting an account they do n't have or ca n't find, and should not be reporting any accounts past 7 year statute of limitations.. please help

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 10-12-2015 about Debt collection (I do not know) with Premier Recovery Group (MO).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I received daily calls to my cell and work number while I was in the hospital. When I returned the call, I first spoke to a representative who transferred me to a XXXX who was rude and hung up on me when I asked what this was in reference to. After being hung up on the first time I called back to speak to a supervisor who laughed at what happened after I explained to him and hung up as well. I called back the number XXXX and asked for a manager. After being put on hold numerous times, I had a lady who claims she was VP named XXXX XXXX who was being very rude with cutting me off and talking down to me ... they threatened legal action so therefore I called back and explain to mail me only any bills since in the past I have had my identity stolen and XXXX XXXX laughed again and hung up. These people are wasting my time harassing me without explanation or verifying HIPAA. My next step is to contact an attorney.

Company response to consumer: Closed
Consumer complaint received 10-12-2017 about Checking or savings account (Checking account) with Fidelity National Information Services, Inc. (FNIS) (CA).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: previous filed complaint with CFPB # XXXX on XXXX XXXX, XXXX and referred me to FDIC and now FDIC referred me back to CFPB because the problem is XXXX which need to correct the data report. 

At first when I tried to open a bank account with other bank and was declined due to the report from my previous XXXX XXXX XXXX Bank marked it paid which is not indicated what type of paid that what I was informed from the bank declined me. Now the invested were completed from FDIC and revealed that the XXXX XXXX XXXX bank did n't report any negative report after the closing filed from first FDIC XXXX XXXX. No. : XXXX ) but when I tried to open bank account with other bank and still indicated paid which no one know what type of paid so I contacted to FDIC again and final investigate indicated from the XXXX XXXX XXXX Bank XXXX XXXX XXXX did n't pay for any charge off and indicate the paid was XXXX that mean XXXX did n't pay for charge off. and since XXXX still have the negative report on my credit report so FDIC told me to file the complete to CFPB because your company is the XXXX dealing with XXXX. and also about bank fraud. I filed the police report about bank fraud for the XXXX XXXX bank after I able to get the phone number from my XXXX and found out about the report about XXXX XXXX bank fraud and scam which I enclosed all the attached here with. XXXX have to clear my report on my report data because it causes me damage to not able to open an account since i am the victim made by XXXX XXXX bank. see from my search attached.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On XXXX XXXX, 2016 I faxed a letter to TransUnion with a copy of a letter that was returned to me as undeliverable with the address that was on my credit report. I asked them to remove XXXX from my credit report for inaccurate reporting. Nothing has been done yet. I have called and confirmed that they received the fax. They are refusing to delete and breaking the FCRA law.

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. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained a copy of my credit file and there are many mistakes in my 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 08/23/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Loan modification,collection,foreclosure

Complaint: About 1 year ago I when thru a XXXX many things were going bad with my kids XXXX, XXXX all kind of situations took me about 6 months to put myself back up and I try really hard to cut up on many thing that I left behind. 
the most important thing I ever have its my house I want to please have another chance on keep it I have a lot of documents that can prove my willingness on doing so but I also think that bank of America did not help me and because of that I felt for a scam witch I trust for this company they suppose to help me with my loan modification. 
please review my loan again, my house was in a loan review and little be after I was decline for any help they foreclose the house, until this day the house is not for sale or by a 3rd party, bank of America owns the house.

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 01-04-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. (OH).
Issue: Money was not available when promised

Complaint: I wired USD XXXX to my account at Coinbase on XX/XX/XXXX. As of today ( XX/XX/XXXX ), I still have no access to my funds and they have not returned the payment either. I checked with my bank and payment was cleared the same day and transferred to the account of Coinbase at XXXX XXXX XXXX on XX/XX/XXXX. It has been almost a month and it is almost impossible to get a hold to anyone from Coinbase at all. They reply emails once a week with no specific information, only automated responses. Their customer service phone is impossible to reach either.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: 3rd party attempted to call me to collect a debt on money I owe to synchrony bank and the Amazon.com store card. Collections agent called in XX/XX/XXXX and failed to disclose that the call was an attempt to collect a debt and any information would be used for that purpose. Called the company on XX/XX/XXXX to file a complaint and have the call listened to to confirm that the agent did fail to read my rights.

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 07/22/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Case number : XXXX I 'm having problems with login and no password has been emailed to me. 
As of two days ago I have received letters from XXXX and American education services, they have denied me again! ( From AES : We reviewed your application for loan discharge due to an unpaid refund and determined that you are ineligible or that additional information/documentation is needed ). They denied me due to missing information, and texas workforce stated they ca n't provide any records and I have called all over XXXX, texas no one is n't helping me to locate the attendance records, and refund from the school? So where is the help this is unjust, I have call state agencies, U.S. Dept. of education, and state district NO HELP! I 've even tried to speak with the Loan servicer of AES all they can state is you signed a promissory note, yes but where are the documents? where is the refund? I really need help assistance, because the school had closed and I have n't received the funds back from the school? I have paperwork that was giving to me, obviously someone is either hiding the true facts of my records/refund from the school? I do not have a certificate, and If i did have a certificate I would be working as a transcriptionist.I have n't graduate from the school, if there is no records of me attending the school why i 'm I paying on a loan that I never exist at this school? 
Even more they had me assuming that I have to payback this loan, and the only thing at the time was to consolidate, I had a trouble life and that going to school was the best option for me, but when the school did n't have XXXX programs I tried to leave the school then, they stopped me and place me in transcriptionist classes. Not long I withdrew from the school. Signed paperwork. No one do n't have any records of me attending school? Well other then Federal Student Aid has the school showing but no attendance dates is present. 
I did go to this college, but I withdrew and the refund was never credit back to XXXX XXXX/ or to me. 
College : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (VT).
Issue: Loan servicing, payments, escrow account

Complaint: The Money source my current mortgage holder is stating verbally via telephone ( XXXX ID # XXXX ) that they made XXXX tax payments One for {$1200.00} XX/XX/2016 which the town hall confirms and one for {$1300.00} XX/XX/2016 which the town hall states they have no record of. In spending approx. 3 hours on the phone with The Money Source being bounced around to locate the return check # for payout or proof of payout as the Town hall encouraged me to do, I had no resolve. I called the town hall on 3 way with XXXX on the line as she stated she was unable to reach them. The clerk XXXX at the town hall asked for a return check # to confirm/research payment. She was told they sent out payments in mass checks and she was unable to provide that info. I asked XXXX to transfer me to speak to a supervisor in which I was denied due to, they were unavailable because they were in a meeting. She then told me she could take my name and number and they could call me back within 24-48 business hours and that she would send out to the research dept. to find resolve. After approx. 3 hours on the phone, taking the day out of work to resolve the issue I am very upset that in speaking to 3 people at the Money Source no-one could provide me with proof of payment to the town hall in The amount of {$130000.00} telling me that it is available on my statement. That is not proof of payment!

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 02/16/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Account opening, closing, or management

Complaint: I had a business account with bank of america, I never used the service, disputed the account, complained about my salesperson XXXX, after going round and round with this bank, they finally closed the account, with a XXXX balance, so I thought, while all this was going on, I filled a chapter XXXX bankruptcy, this account was included, the bank was notified, we gave them the attorney information, they were also notified by the bankruptcy courts, in fact I spoke to the bank directly, want to say about a month ago, which brings me to today, bank of america turned over a charged off business account to a collection agency, which is demanding payment, for an account that was already included in chapter XXXX bankruptcy, our bankruptcy is active/current, there are a few issues with their major mess up, first, they have already been notified of a chapter XXXX bankruptcy, months ago, the account they sent to collections was included, secondly, under an active chapter XXXX bankruptcy, at NO TIME are they allowed to collect a debt, while I am in the plan, which is for XXXX years, furthermore, they sent my account to a third party collection agency, without doing their due diligence, if they would have done their homework correctly, they would have properly documented my account and placed it in the collection que, which they did not, this bank and the collection agency XXXX XXXX XXXX CA XXXX phone number XXXX my file number XXXX, have violated my right under the FDCPA and Bankruptcy protection chapter XXXX ... ... ... ... 

On Thursday XX/XX/2017 I called the collection agency, spoke to XXXX of their XXXX, she was rude, kept talking over me, would not give me an opportunity to fully explain what is going on with this account, told her they bought bad paper, she wanted to argue with me, told me no they did not, she then told me " This is not going to be a XXXX way call '' then without giving me an opportunity to give my attorney information or explain whats going on she hung up on me ... ... ... .. 

This is clearly another violation under the FDCPA for harassment, if the collection agent, would have shut up and allowed me an opportunity to fully explain what was going on, this matter could have been resolved, without me filling a complaint against BOA and the collection agency, I want them prosecuted to the fullest extent of the law ... ... ... ...

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