milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX has allowed the personal identity of myself, and my 4 family members to fall into the hands of criminals. They did so knowing there was a weakness in their security, and their top executives sold off stock in their firm, before making it public, protecting themselves, at others 's expense. 

I believe a crime HAS been committed, and I should be able to place a 7 years freeze on all 3 of credit bureaus for myself and my family AT NO CHARGE! 

Alternatively, the federal government should allow each of us to change our social security card. 

I am dismayed by the lack of federal attention to this matter. I expect it from the Criminal in Chief and his team of hacks, ( Trump ), but hope for better from your department in the days and weeks to come. 

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 01-02-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting harrasing and repeated phone calls from portfolio recovery. They have even gone as far as calling my elderly mother out of state telling her if i dont return there phone calls i would be issued a warrant and arrested.when i returned there call to the phone number provided to my mother and sister and brother which portfolio recovery had called and harrased as well looking for me they pretended to be with a department of justice and they were issueing a warrant for my arest if i didnt make a payment. I requested the information for which the debt pertained to they told me they couldnt tell me. I have asked them to stop harrasing me several times there taticks are rude and un called for.i have a recording of a voicemail left from portfolio recovery that contained a conversation that the representivies were having admitting to theft the representive was unaware he didnt hang up the phone and left the msg on my voicemail. I have some credit card debt ive told them as soon as i could pay any of it i would at my earliest convience. The calls still keep coming ive talked to supervisors in portfolio recovery and they are just as rude and degrading they make you feel like my debt is a drown on them personally and they are just all out disrespectful. They call all hours of the day and even got calls as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I did not make all these inquires a old worker of mine that has been fired was suspected of getting my ss # and trying to apply for credit all over please remove all this ridiculous inquires asap thank u

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with STONEGATE MORTGAGE CORPORATION (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Stonegate Mortgage has paid invoices submitted to them regarding my account without consulting me. Consequently, they have paid XXXX insurance agencies that are not my provider for an amount over XXXX. 
I wish to formally have the following happen : I am formally Disputing the invoices that lead to withdraws to my account Have Formal Investigation into all withdraws from my account I did not authorize any withdraws from my escrow receive all documents regarding withdraws from my escrow Refund all funds back into my escrow Correct my credit score from XXXX/XXXX/16 Refund XXXX extra charge given on XXXX/XXXX/16 I can be reached at XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Credit decision / Underwriting

Complaint: Please review my attachments below and my correspondence with both HUD and FHA. Our MIP refund monies were not handled correctly nor given back to us how they should have, how we were promised, and how we were lied to about finding the monies and sending a check to us which did not happen. We closed on XXXX/XXXX/2015 and it took to all the way until mid XXXX before Caliber Home Loans would try and fix their mistake. We put our trust in them with handling our finance transaction and listened to their advise and our loan was not written correctly according to FHA guidelines. We would like to hear back from someone in regards to what is happening and what will happen about this situation please. We are filing a complaint against Caliber Home Loans with RESPA as well. There should be a penalty for what they have done and what we have had to go through with all of this. Caliber Home Loan kept our MIP monies that were due to credit or be refunded and after months of us looking into where our money was and contacting their corp. office, HUD, and FHA and filing complaints they finally just made a payment on our account towards the principle and told us that will have to do. What they did not only violated FHA guidelines but it was fraud. The first of this is what I submitted to XXXXXXXXXXXX which has opened a case for us against Caliber Home Loans. I have the attachments that are mentioned above it you would like us to share then. 




Caliber Home LoansBranch NMLS : XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX : XXXX XXXX, Area Manager Email : XXXXXXXXXXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX worked with XXXX XXXX which is our neighbor and who was supposal lied to my her area manager and company on our refund or either she was lying to us herself in all the text and email messages.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (MI).
Issue: Fraud or scam

Complaint: Was informed of an update to take place XX/XX/XXXX,2015 by rush card ... ..as of today XX/XX/XXXX2015 I am still unable to receive my funds or my direct deposit from work. They are no longer answering phone calls or it will automatically hang up. This is unfair. I have bills and daily living to do which I ca n't because I ca n't access my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-03-2016 about Mortgage (VA mortgage) with AMERICAN FINANCIAL NETWORK INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage was switched to American Financial Network XX/XX/2016. I paid our {$1700.00} mortgage on XX/XX/XXXX. The company received and cashed our electronic check XX/XX/XXXX. The payment is n't until late XX/XX/XXXX. The collections department has been called me 10 times even though I confirmed with them on XX/XX/XXXX they received the payment on XX/XX/XXXX. I have told them not to call anymore on 2 seperate occasions. They are harrasing me for a debt that was paid on time and was never late. They refuse to stop calling me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (AZ).
Issue: Unauthorized transactions or other transaction problem

Complaint: I made a transaction on XX/XX/2017 with COINBASE sending over 17k to another coinbase account but other account never received the money. I have made a complain thru CFPB once and when COINBASE received the complain they contacted me right away, which I tried to contacted them over a month but no response.They told me they will solve the problem in a week which has been over a month now. Its been 2 months I still don't have the money. This company is scamming so many people holding funds to make money out of it. I already lost XXXX in value of my currency transaction in 2 months and still they do not respond my emails and when I call they tell me they escalate the problem. They show CFPB and FTC like they are solving customer problems and once complain closed, they do not respond again. I believe what this company does it illegal. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On XXXX/XXXX/2015 I requested Capital One to remove a fraudulent charge, they refused. A police report was filed with the XXXX County Police Department and all XXXX credit agencies notified, a warning placed on my credit of ID theft. Officers found I was a victim of identity theft. Bank denied my claim and continues to state they are correct and I am indebted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Debt collection (Credit card debt) with CL HOLDINGS LLC (CO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX settled a 5 year old debt with my attorney on XX/XX/XXXX for  {$990.00}. I paid the full amount on XX/XX/XXXX which was within the terms of the settlement offer proposed by this debt collection agency. They then proceeded to garnish my bank account on XX/XX/XXXX for {$1600.00} and there was a fee of {$150.00} from the bank for this garnishment. Between my attorney and myself, we have attempted to contact XXXX XXXX on 6 occasions since I received the letter from my bank. The payment of {$990.00} and the garnishment of {$1600.00} has left me with only {$42.00} in my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The income based repayment program I am on, according to the Navient website has me paying {$500.00} a month. I make $ XXXX a year, with a child. When I first applied for the income based repayment plan, my payment amount was {$0.00}. There is no way I can afford to pay anywhere near $ XXXX a month. Now I am in default and have no clue what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Consumer Loan (Vehicle loan) with Automobile Acceptance Corporation (TN).
Issue: Problems when you are unable to pay

Complaint: Automobile acceptance company. I got XXXX payments behind. Worked with collections to catch up. I time payments for a year prior to this issue. When I went to call for the XXXX arranged payment, the third to catch up was going to be with my taxes ( and on their records I was only XXXX days past due ), they refused my payment unless I paid in full. Refused it. If I paid it I would only be XXXX days past due which is within XXXX guidelines as paid as agreed. I demanded to have my payment taken and they refused again. I took down the address to send a payment butI know if they do not cash it payment would not be received. I am sending this by money order certified mail requiring a signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (SC).
Issue: Money was not available when promised

Complaint: On XX/XX/XXXX, 2017 sent by wire transfer $XXXXX to Coinbase's bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX.

I printed the Deposit USD form with all the appropriate information, took it to my banks so that they could perform the wire transfer. I have this form in my possession as well as receipt from the bank documenting the transaction.

I have in my possession the Fed IMAD wire number that documents this transaction. I provided this to Coinbase.

My legal name on the bank account matches my legal name given to Coinbase.

In Coinbase's instructions on their website, I was assured that this was the fastest way to fund my account and that funds would be credited when received.

Four days later, after numerous attempts to contact their Customer Service department by their web form and by telephone call, the only information that I can get is that my case has been "escalated" and that I should here from a "specialist" in the coming WEEKS! Yes, weeks.

The following information is currently posted on their Customer Service page in reference to my issue:

"XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
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 opened a XXXX store credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.

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 03-01-2018 about Debt collection (Credit card debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tried numerous times to have XXXX removed from my credit. I do not have a XXXX account & I have tried having this removed serveral times unsuccessfully. 
They are currently reporting negative on my credit for two amounts from XXXX. 
One for {$580.00} & XXXX from different dates. 
I did not authorize or have this account.

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 01-12-2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Account opening, closing, or management

Complaint: I am the the personal representative/successor trustee for my mother-in-law, XXXX, who died on XX/XX/XXXX. She maintained checking account and safe deposit box at Bank of America Branch located at XXXX, FL XXXX. 
On XX/XX/XXXX I went to that branch and spoke first with a XXXX and then with the purported branch manager, XXXX. I presented them with copies of pertinent parts of a will, pertinent parts of a trust document, and death certificate and asked to be permitted to search the safe deposit box pursuant to Florida State Statute 655.935. I was denied my right to search the safe deposit box pursuant to valid Florida law. This has caused me time and expense since I do not live in that state and now will have to spend time and money to travel back to Florida as well as retain and pay for an attorney to obtain a court order to force the bank officials to comply with the laws in Florida.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2017 about Debt collection (Credit card debt) with U.S. BANCORP (WA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: Family members, family owned businesses have been contacted from " XXXX XXXX XXXX XXXX XXXX ''. Threatened with wage garnishment or a judgement. Claimed it was from a US bank account in 2007.  Claims it was a " purged account ''. Told me I would receive paperwork between 11-4

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft, and There is a fraudulent and unauthorized hard inquiry listed on my Trans Union credit report. The hard inquiry do n't belong to me. The hard inquiry is fraudulent and unauthorized.

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 02/23/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland funding is a party of XXXX but is not my account but fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Bankruptcy

Complaint: I contacted Capital one late XXXX to complain that a credit card I had that was discharged during bankruptcy I filed during XXXX was discharged at that time. I was contacted by phone and in writing that this was an error and the item ( Capital One Credit Card charge off ) was removed from my credit card. I received notification in XXXX of XXXX that Capital one has once again " re '' reported this to the credit reporting agencies. This has caused me to pay deposits, turned down for lower interest credit card offers and made it impossible for my borrow money to make home improvements to sell my home. See below for how these accounts have been reported to XXXX. XXXX and XXXX are reported in similar fashion based on my understanding of reports ( see below ). 


CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late CAPITAL ONE BANK USA XXXX XXXX Status Closed Balance {$0.00} Type Credit Card Payment Status Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2017 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (MA).
Issue: Shopping for a loan or lease

Complaint: I believed I was charged an interest rate that was too high for my credit score, which was XXXX at the time. I was charged a rate of 4.39 %, which I find to be comparatively high for people with my credit score. The company is Honda Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NC).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I am currently an  XXXX   XXXX  service member. I opened a  XXXX   XXXX   XXXX   XXXX  account with Barclaycard on  XXXX / XXXX / XXXX . I was informed by the representative before I opened the account that I did not qualify for the Servicemember Civil Relief Act  ( SCRA ) si nce I was opening the account after I started  XXXX   XXXX . However, the representative informed me although my account would not be covered by th e SCRA, m y account and all authorized users on my account would qualify for 0 % APR, and all fees would be waived including the annual fee as long as I was on  XXXX   XXXX . I then receive a letter from  XXXX   XXXX  dated  XXXX   XXXX ,  XXXX  stating well no longer waive the annual fee on your account. As a result, a charge of {$990.00} for you annual fee will appear on your billing statement for the next billing period your annual fee is scheduled to be assessed,  XXXX   XXXX ,  XXXX . Also, well charge an annual fee of {$290.00} for each authorized user on your account. This is a classic case of bait and switch. I called and messaged the company and they were unwilling to continue to honor the initial terms of the account. Also, for some reason the date the annual fee is scheduled to be assessed is different in the letter I received than the response I received on the message system.

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 03/20/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: My previous Mortgage Servicer sold my loan to Carrington Mortgage Servicing in XXXX 2013.Prior to the transfer, an Escrow Analysis Report was completed and my payment lowered as a result.A few months after the loan transfer was complete i received a new Escrow Analysis that was completely different from what i had been given by my previous servicer.Carrington Mortgage Services or CMS stated i had an Escrow shortage, and as a result my payments would go up.I immediately knew something was not right, but after reading and hearing how poorly this company was rated in customer complaints/reviews, i decided to send in the entire shortage amount to keep my payment from going up.I called CMS service number and was u nable to reach anyone after XXXX.After XXXX days, i spoke to XXXX of their reps to get instruction on sending the amount in.After speaking with the person, i wrote a check and mailed it to their stated address with all information requested.On my next statement i noticed it had been received, but instead of applying my money to the so-called " shortage '', they put it as being in a suspense account.I called them only to get a very XXXX girl on the phone who blatantly lied to me, telling me she had requested it to be moved into the Escrow account to correct the shortage it was sent for..Needless to say, this did not happen.After calling them XXXX different times and being told the same false information, I am furious at this company for refusing to process my Escrow payment.They had the nerve to send another Escrow Report this month telling me there was now a XXXX shortage, on top of keeping the previous amount i sent in.This Mortgage Servicer is crooked, dishonest and determined to force people into account issues, even if they have current status.Their Customer Service is poorly trained, expected to lie and ranks at the bottom of the list with consumers.Some have had terrible experience with this company, and i fear enough that i am searching for a way out from under this company.Their practice of frauduently increasing mortgage payments through bogus Escrow analysis claims must be stopped.I want my previous servicer back.

Company response to consumer: Closed with explanation