milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-03-2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX who claims to be CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX, MO XXXX Toll-Free : XXXX Local : XXXX Letters : XXXX Telemarketing : XXXX Client Services : XXXX Fax : XXXX Email : XXXXXXXXXXXX claims he received this debt listed on XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Financial Creditor Name : XXXX XXXX XXXX Account Number : XXXX Account Owner : Individual Account. Original Amount Owned : Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned Last Payment Date : N/A Status Date : XX/XX/XXXX Status : Z - In Bankruptcy Comments : Bankruptcy chapter XXXX, Bankruptcy discharged Experian : Changing the same exact account from closed to open. 
XXXX XXXX XXXX, Collector : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX Balance Date : XXXX XXXX Balance Amount : Date of Status : XXXX XXXX Status : Closed Open As it appears on Experian : XXXX Account Type Collection Terms- Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details In Bankruptcy Status Updated XXXX/XXXX/XXXX Balance-Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Monthly Payment Balloon Payment Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX Ownership-Individual Account Original Creditor XXXX XXXX XXXX Company Sold-to Original Amount Comments BANKRUPTCY CHAPTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX Claims when he buys these accounts, he has no responsibility to verify if the debt is valid, he throws it on credit reports hoping to collect, I asked him, even if you already owned the account in XXXX? Already flagged it for Bankruptcy? Nope he bought it from : XXXX, XXXX XXXX XXXX, XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXXXXXX, complain to them! I decided to complain to you since this is preventing me from obtaining a Federal Student Loan consolidation. Because it appears to be a new open collection. I feel the creditor has to have some sort of responsibility to verify the validity of the debt and should not be able to list items that are closed as open again every few years, hoping to collect on accounts that are discharged in bankruptcy. Mind you this was never my debt, my ex husband took out the loan, I only added it to my bankruptcy to avoid them coming after me, once I was divorced.

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 05/28/2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I received a written letter from XXXX XXXX XXXX regarding an account. The written letter offered the option to log into XXXX XXXX XXXX which would allow me to pay my account in full. When I proceeded with the payment, the prompts promised " You should receive in 5 business days a confirmation letter, at the mailing address indicated on the previous page, reciting the terms of your payments and confirming your authorization. '' I paid {$1000.00} ( please see attached payment receipt and bank statement ) and not only have I not received this letter, but XXXX is still reporting my account as OPEN and " Seriously past due date / assigned to attorney, collection agency, or credit grantor ''. ( See attached Credit Report excerpt ) Their statement was misleading.

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 06/22/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (TX).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: The number that called is XXXX XXXX XXXX. They told me that I owed ace cash express and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this XXXX but no luck so far.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Debt collection (I do not know) with United Revenue Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked United Revenue Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage , LLC has continued to state that XXXX is the owner of my mortgage loan. I am unclear as to the terminology which is being used in this statement because, XXXX ca n't be the owner of my mortgage, unless the promissory note was properly delivered to the trust by the cutoff dates that the trust could accept assets. If XXXX owns the mortgage or the note please provide the requisite chain of assignments from the originator to the sponsor who organized the securitization of the mortgage, to the depositor and then to the trustee. Please provide the delivery and acceptance receipt to document the transfer and delivery of the note from the originator, to the sponsor, from the sponsor to the depositor and from the depositor to the trust. Furthermore, I am disputing the promissory note as being the original note because a copy of the note can be copied multiple times. I want a color copy of the note, front and back and will not accept anything less.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Dear Sir/Madam, Listed below are the facts of our complaint in the order of occurrence against Nationstar Mortgage LLC ( XXXX XXXX ) XXXX, TX XXXX for failing to post mortgage payments to our accounts mentioned in the documentation. Even-though our monthly payments are always sent out on time, Nationstar Mortgage LLC is not keeping the accounts up to date. However, late fees are applied monthly. Nationstar Mortgage LLC does not respond or corrects the problem after numerous letters were sent to several of their departments, including the Executive Vice President Of Servicing ; see listed below and attached copies of correspondence : XXXX/XXXX/XXXX forwarded letter to Nationstar asking to post mortgage payments made to accounts XXXX and XXXX on line ( XXXX/XXXX/XXXX ), and to remove late fees and derogatory remarks from loan 's history ( see attached copy of letter ) payments were made on time. Nationstar monthly statements do not reflect the payments made. 

XXXX/XXXX/XXXX forwarded letter to Nationstar asking to post mortgage payments made by check to accounts XXXX and XXXX and to remove late fees and derogatory remarks from loans history ( see attached copy of letter ) payments were made on time. Nationstar monthly statements does not reflect the payments made. 
We have sent out monthly letters to Nationstart Mortgage LLC since XXXX XXXX when they removed the automatic monthly withdrawal we had set-up on line. 10 months have passed by and Nationast continues to delay the posting of the monthly payments o ignore the posting. Also, adding late fees. We have receive threatening calls from the Nationstart staff, demanding money, threatening of foreclosure, damage to personal credit, etc. very unprofessional people, not willing to resolve the problem, only interested in making the issues worse. Attached are copies of all the correspondence we have submitted to various Nationstar 's departments and sent to several staff.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (IN).
Issue: Managing the loan or lease

Complaint: Vehicle was totaled. Requested payoff to clear off account. Ally financial stated amount to close account and provide clear title. Insurance company sent check for that amount. XXXX months later ally collection is harassing me at work, calling numbers that have been requested to be removed. Bulling my XXXX year old grand father ( no clue how they got his number, he is not a signer ). Refusing to send me a statement of what is owed. Every agent I talk to gives a different amount and reason of why it is owed. Agent in total loss department stated all was cleared off and not sure why I am getting these calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit card () with TD BANK US HOLDING COMPANY (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have completed and returned a Fraud Affidavit that TD Bank/Target sent to me 2 months ago. To date, this account is still showing on my credit file. I have sent the Fraud Affidavit to XXXX and XXXX. Please help me to get this matter resolved. This account was a lost/stolen account that I reported to TD Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NY).
Issue: Struggling to pay mortgage

Complaint: My mother died in XXXX XXXX but XXXX XXXX XXXX forge my mothers name in XXXX XXXX, XXXX had it notarized and everything for a home loan modification. Soon as I saw the signature I knew it was n't my mothers and I knew it was fraud. And now they put my house in foreclosure and trying to foreclose on my house this is wrong this is a crime and this is against the law. Ditech financial is the mortgage service company.

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 12-11-2017 about Debt collection (Credit card debt) with Capital Management Services, LP (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: It looks this DEBT COLLECTOR company CAPITAL MANAGMENT SERVICES, LP Has engaged in an ongoing collection activity even after Their sent me a letter stating they will cease all communications tactics as it goes for phone calls and mail, I just received from this company a letter in XXXX with a date as XX/XX/XXXX, It contradicts about the letter the sent to CFPB on XX/XX/XXXX. 
I stated once more the amount of {$900.00} they claimed I owed to XXXX XXXX Its been disputed, XXXX XXXX in its letter dated XX/XX/XXXX says did n't know the amount was disputed in XXXX, I will inquire a CFPB regulator to look into it, If XXXX XXXX  did n't know in XX/XX/XXXXwhy they still market this Alleged debt with another Debt collector company, I believe now XXXX XXXX has engaged in some violations to the FDCP Practices and the CFPB should fine them for those violations. They knew this alleged debt were dispute in XXXX. I 'm attach proper exhibits to support my claim. 


I will include on this letter a formal dispute with XXXX XXXX for the Marketing Tactic to have one or more Debt Collectors harassing me for a Disputed debt, I rejected it as a valid one.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: My mother passed away XXXX XXXX, 2016 with a checking account with my XXXX brothers and myself as owners of the account. They have the account frozen and want release funds. they keep agreeing we own the account but gave me instructions to show them a affidavit of heirship which we did. Still want release and now say they want a probate. This not necessary as we are owners of account. I have had my mother 's attorney prepare affidavit at a cost of XXXX which they will not accept. I want the account released to us and refund of this extra legal cost. In texas I know this account should not go through probate. Will was attached to affidavit. They let many checks go through then froze account with no notice and I had sent my mother 's IRS tax payment for XXXX and was returned and now may owe XXXX penalty. They also stopped drafts for electric bills.

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 03/30/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. 

XXXX : :XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX/XX/XX/XXXX XXXX : :XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: USAA applied payment to a 0 % promotional balance instead of an interest bearing balance. I contacted them to attempt to correct the issue and they refused citing their cardholder agreement. I cited the XXXX Credit Card Act and attempted to explain the excess payment rule, however they refused to correct the balance change. 

I did not attach statements from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as they contain PII.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: There is a collection account in the amount of {$9700.00} showing on my XXXX credit report from XXXX XXXX XXXX. I have submitted an Identity Theft Affidavit to them and followed up with a phone call to them. I was assured it would be removed by XXXX XXXX, XXXX. It still has not been removed. It has been 2 months I have been disputing this account as a result of Identity Theft. XXXX XXXX XXXX does not care to remove this harmful account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OR).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My credit card is not applying the payments to my statement. I have made over the minimum payment required, yet i n  XX/XX/XXXX  and  XX/XX/XXXX  my statement balance is exactly the same amount. Capital One lowered my interest rate a bit, and I have not made any purchases. But, yet again my  XX/XX/XXXX  and  XX/XX/XXXX  balance are EXACTLY the same amount. This is not possible, I have been having issues with Capital One.  I called to complain about my minimum due and interest rate, after doing so, maybe a 3 days later all the sudden my credit card number was used by someone else? They issued a new card, now my payments do n't seem to being applied, my interest is questionable and the minimum due is very high compared to wh at Capital One ha s stated over the years and advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I would like a written authorized signature stating I authorized these inquiries if they can not provide the documentation I would like it removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CA).
Issue: Unexpected or other fees

Complaint: Theres a incoming transaction in my Coinbase account that has been pending for more than 48 hours. It said that my USD will arrive by end of the day on XXXX XXXX, 2018. It has 300+ confirmations n still pending. I contacted Coinbase Support and all they said was my case was escalated to a specialist to review which might takes days to get to. I checked blockchain and it looked like the money went to my address and then went right out. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I called a couple dozen loan companies to find Refinance rates XX/XX/2015. Not as single company was given my social security number. When I filled out forms I NEVER gave my social security number or authorized any credit checks. Quicken Loans was the ONLY company to run a credit check & they ran a " Hard Credit '' check. I have screen shots from filling out there form that show diffinatively I never gave them my SSN & the form specifically says they are NOT authorized to run a check. On XX/XX/XXXX I saw a " Hard Inquiry '' was run by Quicken Loans. On XXXX XXXX, 2015 I logged on to XXXX ( Quicken loans web site ) to confirm they did not have my SSN. I have a screen shot of the form that shows that they were never given my XXXX. At first they said they ran no credit check. Then they said they ran a check and that I authorized it. Then they deleted me from XXXX and said they did n't run a credit check. In the end they said I ran a credit check and I authorized it. THE SCREEN SHOT PROVES THEY WERE NEVER GIVEN MY SSN. They took the information I provided and STOLE MY SSN and then ran a " Hard Inquiry ''. I reported all this to the credit reporting agency " XXXX XXXX '' and gave them the screen shot proving my SSN was stolen. And the screen shot also says I was not authorizing a credit check!!! XXXX XXXX, which appears to be a branch of Quicken Loans, said I gave " implied concent '' even though the screen shot specifically says the opposite. Quicken Loans stole my SSN. I have provided a list of all the executives I spoke to and there numbers. I tried for over a month to get them to correct it, even sending them the screen shots. They claim now that my MyQL.com account was deleted by accident. This " accidental deletion '' occured on or about XXXX XXXX, 2015. The executives at Quicken Loan are clearly covering this up at the highest level as only they could have there IT person delete me. They deleted me before they were notified by me that I had a screen shot already that proved what they did and that they stole my SSN and ran an unauthorized credit check. Even in the face of this evidence they are now saying I authorized the " hard inquiry ''. I authorized no inquiry of any kind and this is proven by the screen shot. I do n't know for sure how they got my SSN but I suspect that their credit agency, XXXX XXXX, stole it for them and then they used it to run a " Hard Inquiry ''. Again, I inquired with about XXXX dozen other companies at the same time period about their rates thriough online forms and over the phone and not a single other company ran a credit check because I NEVER GIVE OUT MY SSN!!! My fiance, XXXX XXXX, has the screen shot and emails sent to those involved on our home computer and can send the proof right away if you call him at XXXX or you can call me, XXXX XXXX at XXXX and I will have him email you the proof from my email address.

Company response to consumer: Closed with explanation