milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2017 about Debt collection (Other debt) with AFNI INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This   XXXX   account was sold to   XXXX   XXXX   and I disputed the account in  XXXX . It was removed off my credit reports then readded without any proper notice. I submitted a complaint CFPB and received a letter from diversified stating  XXXX  would recall my account. It was removed from credit reports. On XX/XX/XXXX  another collection agency tried to collect from the same  XXXX  account that was previously taken off my credit reports and falsified dates. The start date said  XX/XX/XXXX , in which I do not have any accounts with the  XXXX  company.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with CURO Intermediate Holdings (VA).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX I needed some cash to pay some bills was down to no money to make it so searched to see what help I could get, saw this loan company on-line and telephoned them, the guy I spoke with walked me through the process and said he could run it to see how much I could get approved for, he came back on the line quick and said I was approved for the {$750.00} the highest limit they have and that my payment would be around {$110.00} per month, I had to electronically sign documents in which I was not aware that I was signing something with a APR of over 600 % until I received an e-mail for my payment for XX/XX/XXXX to come out and it was $ 257+, I almost fell out, how I get from {$110.00} a month to almost {$300.00}. I made one payment of {$110.00} for XX/XX/XXXX but my XX/XX/XXXX bill will be close to {$300.00} outrageous. 

This guy from speedy cash never disclose the APR amount to me over the phone and nor did he tell me I needed to read all of the documents before electronically signing I was under the impression that my payments would be {$110.00} every month because I kept asking him is that what my payment would be per month and he was telling me yes so I went on and sign the documents thinking I am agreeing to the {$110.00} payment per month and that 's all. 

I contacted Speedy Cash on XX/XX/XXXX and spoke with a lady to stop my authorization of payments she was saying that I needed to send an e-mail to them in which I did but I will still need to make payments in another manner and that the payments wo n't always be the same every month sometimes higher sometimes lower, I told her I thought the payment would be {$110.00} every month because the guy who processed my application did n't tell me any different she said I was supposed to read documents and I told her I was on the phone with the guy and he did n't disclose to me that I needed to. 

I think I was falsely informed on the phone in thinking my payment would be {$110.00} a month and now it will be triple and I ca n't afford to pay it and I told the lady that this morning XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (GA).
Issue: Loan modification,collection,foreclosure

Complaint: We got behind on our house payments, and the mortgage company would not take our money, we had the money to catch our late payments up, they sent us into foreclosure. We got the run around on the amount we needed to send in. We finally got a letter from the attorney stating the amount owed via a certified check. I took the check to the attorney in person and received my reinstatement letter. The mortgage company has not post the funds to the account, they are now telling us that we may owe more on the account. They have had our money since the XXXX of XXXX 2015, we were told it takes 48 hours to post and it has been 4 days. We have gotten several different people and they all give us a different reason. The letter stated that we had until XXXX XXXX, 2015 to pay the total to get the reinstatement, I did this and now they are telling us to call back XXXX XXXX to see if we owe anymore money. They have charged us a " forecasted '' late fee and have also charged us for an inspection done on the property for XXXX that was done in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I sent a letter to Equifax on XXXX XXXX, 2016 requesting to remove XXXX hard inquiries from my credit report. These were unauthorized and fraudulent credit inquiries under my credit report. 
On XXXX I received email with credit file : XXXX XXXX, 2016, Confirmation number : XXXX. There was the same exact responses for all the hard inquiries : Inquiries are a factual record of file access. I did n't get any proof of my signed authorization for these inquiries. I am requesting Equifax to remove these from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (Auto debt) with Riverwalk Financial Corporation (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: debt is not mine. i reported my wallet lost and this car was opened in my name. it was in an accident with no insurance out of state, and sold in an auction. XXXXXXXX XXXX never tried to contact me for this debt. and after writing it off they resold it to XXXX XXXX. They have now reaged the debt from XX/XX/XXXX to XX/XX/XXXX and are in collections affecting my credit worthiness and any other chances of moving up on my scores.

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 11/23/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (CA).
Issue: Other transaction problem

Complaint: On XX/XX/XXXX I wire transfer {$25000.00} from my XXXX XXXX XXXX account into XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX XXXX has acknowledged that they have accepted wire and they have also confirmed with me that they received the wire and have sent the funds in the amount of {$25000.00} to Coinbase. 

On XX/XX/XXXX, I called Coinbase and spoke to a representative. Representative had no clue about a wire transfer and advised that the only way to escalate this matter was to email them at XXXX On XX/XX/XXXX, I emailed Wire Support ( XXXX ) and so far I have not received a response back. 

Their website indicates same-day delivery if funds are wire transfered by XXXX, which my funds were wire transfered at XXXX on XX/XX/XXXX. 

I would not panic if they would respond to my emails, but after reading online threads I feel very terrified that they been doing this to a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2016 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 monetary relief
Consumer complaint received 04-06-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Upon careful review of my Transunion credit file I determined there is a Public Record listed under my name. Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. 
A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcy 's through third-party research.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: My lender falsified information to XXXX which in turn has caused numerous negative items to remain on my credit report that should not be there. Upon completing school i was not able to obtain a job to pay the high monthly balance of the loan that was due immediately upon my graduation. It took me over a year to find a job, and when i did find one it was very low paying to the point where my monthly income was just about equal to my payments due so I still could not pay. Long story short I have never made 1 single payment to my lender. My lender, in order to successfully package and sell/transfer the loan to another party, started reporting that I had begun to make payments to show my account was in good standing, payments I never made. The clock on my loan began in XX/XX/XXXX, but they reported that I made payments in XX/XX/XXXX right before selling/transferring my loan. By law, it takes 7 years for an item to drop off of your credit report but that 7 year clock starts from the LAST PAYMENT MADE. I have never made a single payment so instead of having this drop off in XXXX, I am told it wo n't drop off until XX/XX/XXXX because of the false information they reported stating that I had made 3-4 payments prior to them selling/transferring my loan in XX/XX/XXXX-XX/XX/XXXX. I can not provide proof to XXXX to dispute this because I can not provide proof/check number for a non-existent payment. To add to the problem, since my lender is private and is not required to provide information to XXXX, XXXX can not ask them to provide proof of payment. So they are protected by law in a sense from providing proof that would ultimately incriminate themselves for falsifying records. After many escalations and unsuccessful disputes because of the lenders unwillingness to provide anything I am asking for, I am now following XXXX advice and escalating this issue here to hopefully get some assistance in going after this lender and getting them to remove this negative information that has been hurting my credit score in preventing me from doing things such as buying a house. It should be noted that they eventually sold this debt to a collection agency a few years ago and we came to a settlement, in which I turned around and successfully won in litigation after the settlement due to the collectors unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Debt collection (I do not know) with The CMI Group, Inc. (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: See attached letter from the XXXX XXXX XXXX XXXX, XXXX dated XXXX/XXXX/XXXX requesting {$1100.00} on behalf of XXXX XXXX. XXXX XXXX is not and has never been my Cable/Internet or Phone/Communication provider and I have always resided in XXXX, MA.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (IL).
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 have been trying to resolve this get issue with XXXX XXXX on behalf of XXXX and XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX I have disputed these accounts as not mine because they are not these accounts were opened in XXXX 2 years ago I under the age of XXXX meaning " LEGALLY UNABLE TO OBTAIN CREDIT '' these are not my accounts and would like them removed from my all of my credit files immediately. Please be advised this is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX of XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX XXXX XXXX # : XXXX, XXXX XXXX # : XXXX, XXXX # : XXXX. Will submit ID documents my current state issued ID, birth certificate, high school and college transcripts to support age claim. I do not know who opened these accounts but they are not mine and I would like them deleted.

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 11-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I did a dispute on XXXX XXXX and I was told that it would take 30 days. 
I did another dispute on a totally different item on XXXX/XXXX/2016. I am now being told that the XXXX XXXX dispute will not be completed until XXXX/XXXX/2016 because they received another dispute during that time. This is unacceptable. The FCRA says that the CRA have 30 days to complete an investigation. If they can not complete this by XXXX/XXXX/2016, they should delete it. Enclose is the statement where they said it would be completed on XXXX/XXXX/2016.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Progressive Financial Services, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: As i was checking my credit report today, stating that i owe amount of {$1200.00} through collection agency PROGRESSIVE FINANCIAL SE. I have never had XXXX. This is a result of ID theft for which i have had to file several complaints with Police and through CFPB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Student loan (Non-federal student loan) with Schachter Portnoy, L.L.C. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The collection agency/law firm is collecting on a debt that is in a formal dispute. They are violating my rights under the fair credit debt collections practices act. The creditor has continually sent it to collections without satisfying the initial dispute and for this reason the collection agency is also violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Mortgage (FHA mortgage) with TIAA, FSB (FL).
Issue: Loan servicing, payments, escrow account

Complaint: the assignment of mortgage from XXXX financial services in XXXX 2000 ... ... to XXXX ... ... was decietful, erroneous, and fasely tailored with deception this assignment recorded in XXXX XXXX public records is missing my sister 's name. this is not a typo error as the original document recorded by XXXX has her name ... ..XXXX went bankrupt prior to the assignment and had its hud violations later XXXX had an automatic dissolution ... ... anyone can view these documents I wish I had years ago

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Attempting to collect a debt that I do not owe. Threatening with legal action by representing themselves as process servers trying to serve me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: about 4 months ago i have sent a complete short sale package to bayview loan was told that it was on review and also requested to send copy of my driver license and social security card i did send all requested document for the short sale today my realtor called bayview loan to check status on the short sale file and he was told that that i am not able to apply for a short sale and the negotiator gave him no reason. i called bayview loan but they are not giving me accurate information please help

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: On Equifax, XXXX, & XXXX, I sent Certified Mail Manila Envelope On XX/XX/2016 with all my dispute Information with the creditors reporting my negative credit history to be remove it has been over 6 months, and they have not acted on this documentation to remove all my negative information thru my certified letters to each XXXX, Under The Fair Debt Collection Practices Act .They are breaking the law. They want me to start new disputes. Which is unnecessary. Because of the certified mail envelopes sent to them proving these companies never responded to my letters by certified mail with in 30 days, never responded to me at all under the Law Of the Fair Debt Collections Practices Act. So I need all this negative information remove now, been six months no response. Only open new disputes. I am not going to resend & spend my time, and money, When they have all this proof & documentation from XX/XX/2016 that i have confirmation they receive all the documentation.Please help I need all this negative information remove again under the Fair debt collection practices act. Thank you, XXXX If need can supply you with my more personal info, and documentation sent to the By certified mail, I am applying for a mortgage very important Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit card () with CITIBANK, N.A. (TN).
Issue: Other

Complaint: After looking over my credit report I noticed that there were XXXX late payments reported by Macy 's. XXXX XXXX and XXXX XXXX. I spoke with a representative in XXXX advising them that there was fraud on my account and I did not make the purchase to put the balance on there. They stated that they would remove the late payment reported. Same instance with in XXXX XXXX, I received a notification that I missed a payment. After I tried to make the payment and was told that the XXXX option on their website was having issues, I told a representative that I should not make this payment because their was fraudulent activities on my account. I was refunded the amount I paid and told that the late payment would be removed. After glancing over my report XXXX XXXX. I notice that these negative reports have not been removed. I called and spoke to a macy 's credit representative that stated since the fraud case was not investigated, they reported accurately, and there is nothing they can do about it because of the amount of time I waited. They did not report accurately and they have failed me as XXXX of their loyal customers. These payments should be removed due to the fraud that I reported the moment they where committed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Money transfers (International money transfer) with CITIBANK, N.A. (NY).
Issue: Money was not available when promised

Complaint: I made a wire transfer through Citibank to XXXX in the amount of {$18000.00} in order to purchase a land in XXXX on XXXX. It took almost 1 month and the fund was never received by the beneficiary. I got answers that the transfer takes up to 5 day,10 days, and 20 days ... every time I called. Citibank is supposed to contact me if there is anything wrong but they never did and instead, I contacted Citibank almost every week since the transfer was made. Citibank promised me that I will get full refund and fee if the transfer is not made. So the last time that I called them was on XXXX. XXXX, XX/XX/2015 and I was told that the fund was returned because the account number that I provided was not correct. I also contacted the bank in XXXX to check all information and all information is correct including the account number. I would like to get my full refund and the processing fee as they promised since my time has been wasted and I will not trust them again. The problem is that Citibank told me that they will refund me with the current rate and without the fee which means I will lose money. This does n't make sense at all! Citibank kept telling me different answers and changing their minds which is not right. I highly doubt that if they ever transferred the fund. I ca n't pay for this because I provided correct information. In addition, I could always modify the information if there is anything wrong. I really need my full refund because Citibank failed to transfer my money. I 'm providing information regarding to this issue below. 
Source Account : XXXX ( Checking ) US Dollar Amount : $ XXXX : XXXX XXXX XXXX Account : XXXX : XXXX XXXX XXXX XXXX : XXXX Number : XXXXCitibank Reference Number : XXXXTrace Number : XXXX up by : XXXX XXXX XXXX XXXX XXXX XXXX My name has been changed to XXXX XXXX and XXXX XXXX XXXX my previous name

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation