milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested the original credit application and copy of drivers license from portfolio recovery. Thier response said that they do feel the need to send me the requested information. I am legally entitled to request this information. Thier failure to provide me with this information that I requested is in violation of rights. Please remove this account from all of my credit files immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: We obtained our first mortgage from Bank of America on XXXX/XXXX/XXXX and completed BOA in house modification program in XXXX/XXXX/XXXX. Its new principal balance of the note is {$700000.00} ( current interest bearing principal balance is {$490000.00} and deferred principal balance is {$180000.00} ). The loan has been transferred to XXXX Mortgage for service since XXXX/XXXX/XXXX. 

Our house has been underwater for many years ; we want to move on by requesting Principal Forgiveness of the deferred principal amount of {$180000.00} by using BOA settlement with Department of Justice of XXXX. When we contacted BOA on XXXX its representative informed us that we should apply through XXXX since they service the loan. Despite financially qualified, we were finally informed by XXXX in XXXX that our application was not approve because they believed we are doing fine with BOA 's XXXX modification. 

Our loan was originated by BOA and we believe we are entitled to apply for that relief from BOA for Principal Forgiveness. The settlement stated that credit will be provided to BOA for any Consumer Relief completed by any subservicer and for loans sold to other servicers. 

Appreciate if you can advise us best way to approach our situation. Thanks.

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 08/13/2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (MS).
Issue: Charged bank acct wrong day or amt

Complaint: I received a payday loan from cash central. When the company tried to debit my checking account, I did n't have the funds deposited and it went back as NSF. I got an email from cash central asking me to schedule a day for the original amount ( {$230.00} ) plus a fee for the NSF bringing the total to {$270.00}. I arranged payment XXXX/XXXX/2016 for a payment on XXXX/XXXX/2016. Cash central instead pulled {$270.00} from my checking account on XXXX/XXXX/2016. The payment cleared because I had the funds to cover it. The company then again withdrew {$270.00} on XXXX/XXXX/16. When I sent screenshots of my bank account showing XXXX payment as cleared and XXXX as pending and a phone number to my bank ( XXXX bank who said that cash central could call to stop the pending transaction ), cash central refused and said I would have to send them proof once the second payment had cleared for {$270.00}. A customer service representative also told me on the phone that the company had no way of telling if the loan had been paid or not and I would need to prove both payments. All my correspondence happened with cash central on XXXX/XXXX/16. 
I am going to XXXX today to get a print out with their requirements to prove cash central took this payment twice but I do n't feel like I should have to prove that this company has stolen {$270.00} of my money. Their accounting is flawed or they simply want to steal people 's money b

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (Credit card) with CITIBANK, N.A. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I 'm receiving calls multiple times a day with only a voice message left by Citibank to contact immediately. When I call they have no record of mine name just phone number. I 've asked repeatedly for them to stop calling but they tell me they can not do that. 

Numbers involved : XXXX XXXX My registered phone number is XXXX they above numbers call me multiple times a day automated. Please help make them stop!

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 07/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My name is XXXX XXXX XXXX and I believe I am a victim of a scam. The company of whom I dealt with is known as XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ). This company advertised on XXXX with the promise of student loan forgiveness to students who attended XXXX XXXX XXXX. When I called XXXX, I was told a completely different story. Instead of fulfilling their advertised promise of student loan forgiveness, they instead promised to lower my student loan rates and adjust my monthly payments to a lower fee. XXXX would NOT help me unless I first provided my personal information and financial information to them over the phone. I was told that I would make three monthly payments in the amounts of : {$190.00}, {$190.00}, and {$190.00} before XXXX would do anything else. XXXX also used high pressure sales tactics forcing me to electronically sign documentation giving them Power of Attorney. I later found out that the documentation in which XXXX provided pressured me to electronically sign, is full of spelling and grammatical errors. In addition, I did NOT receive a receipt of any kind after I made the three above mentoined payments. XXXX told me that my loans would be placed into forbearance for the remainder of the year until XXXX and also told me that I should cease all payments and communication to my loan servicer. I was told that I should send my montly payments to XXXX instead of sending the payments to my loan servicer. As a result of all of this, my telephone number has been given out to automated robo-calls where I recieve several phone calls per day Monday through Friday. I have been forced to call my mobile carrier to change my mobile telephone number due to the amount of robo-calls I have been recieving. In addition, I fear that my personal information has been sold and or traded to organizations without my consent. The credit card in question belongs to my wife and after I informed her of the situation, she called the credit card company to ask for a refund on all three charges I mentioned above. Additionally, she has been forced to close the credit card account and open a new one to prevent further fraudulent charges from occurring. XXXX operates a generic website and a XXXX page on the web. I have listed them below. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a notice on XX/XX/XXXX from Collection Bureau of America regarding a collection for {$140.00} with the creditor listed as " XXXX XXXX ''. 

I ended service with XXXX XXXX in XX/XX/XXXX and, to the best of my knowledge, my account was in good standing at the time I ended service. 

I contacted Collection Bureau of America via Telephone on XX/XX/XXXX and requested documentation to support the collection. The telephone representative told me they would send documentation within 20 days or they would remove the collection. I received no response. 

It came to my attention in XX/XX/XXXX that there was negative information regarding an outstanding collection on my credit report, so I contacted Collection Bureau of America in writing on XX/XX/XXXX requesting documentation to support this collection. I received a letter from Collection Bureau of America on XXXX including fraudulent documentation to support this debt. The fraudulent bill was dated XX/XX/XXXX, but it was sent to my current address ( we did n't even put an offer on this house until XX/XX/XXXX ). In addition, the amounts listed on the bill did not add up properly. The service period was listed as XX/XX/XXXX-XX/XX/XXXX ; however, the date of the charges was listed as 3/26/2015. The amount due was registered as over 120 days late ( even though the charges were dated AFTER the statement date ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Mortgage (Other mortgage) with Clarksville Mortgage Corporation (DC).
Issue: Application, originator, mortgage broker

Complaint: In 2006, my wife XXXX and I had refinanced our house located at XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX. The application was done through Clarksville Mortgage, located in Clarksville Maryland. They completed an appraisal for the house valuing it at {$800000.00}. Since that time my wife and I have gone through many changes, including the birth of our XXXX daughter, and later our divorce. She maintains the residence with our kids, but we have not been able to refinance because the value is still too low. I believe that the appraisal was artificially inflated to make the numbers work and now we are stuck paying over 6.5 % for a first and 2nd mortgage totaling $ XXXX. XXXX XXXX bought and serviced the mortgages immediately in 2006 and put them in their portfolio, so it is ineligible for any government programs through XXXX or XXXX or XXXX. I have placed the complaint against XXXX XXXX originally, and they responded that it was Clarksville Mortgage that had originated the loans, so they should also handle the complaint. The complaint number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2017 about Debt collection (I do not know) with Adler Wallach & Associates, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a collection on my credit report from a company AWA Collections XXXX XXXX XXXX stating I owe {$520.00} and the account was opened XXXX XXXX, 2012. I have never had a credit relationship with XXXX XXXX. I have never signed or opened a credit card with XXXX XXXX. I have asked the company to send something showing me that I have a signed note with the company however they have not done anything other than leaving the information of a debt with the credit reporting companies. I have disputed this claim multiple times to no resolve. I have called the company as well and they tell me that I need to contact XXXX XXXX which I have tried no answers. AWA Collections XXXX. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. This is not accurate information to the best of my knowledge and is hurting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have spoken with both Equifax and XXXX credit bureaus and both have stated that the information XXXX XXXX is listing as my reason for being declined is not correct. 
I have seen a copy of both reports and also do not see the reasons listed from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/XXXX I had to take long-term XXXX from my job. As a consequence, I submitted the application and supporting documents to Capital One for my account ( s ) to be covered under the Payment Protection Plan that I had on my account ( s ).  ***This is the same Protection Plans that Capital One settled in class action lawsuit for failing to properly apply/apply at all Payment Protection for consumers when consumers applied***. 

After battling with Capital One who claimed I did not submit the paperwork, I retained an attorney in XX/XX/XXXXwho was able to get Capital One to apply the payment protection coverage on my account which covered my account balances in full, remove the fees they applied and correct my credit report accordingly. 

Initially, Capital One corrected my credit report to reflect that the account ( ENDING IN XXXX ) to reflect these corrections. 

However, over the past couple years Capital One has been reporting that the account was late and over the balance limit, which is not the case. The account has never been late and the over the limit balance was a result of the fees Capital One applied when they did n't property process/apply the Payment Protection Plan, which was resolved by the attorney in XXXX. 

I have tried multiple times to resolve this with the credit bureaus, but they now will not allow me to dispute what Capital One is reporting because they claim I have already disputed the issue which is not the case. 

True I did dispute before retaining the attorney, but it is only in the fast 2/3 years that Capital One is reporting the account incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is information on my credit report that says I worked at XXXX. I never worked for them. My ex husband did.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have never had a loan with XXXX, however XXXX is reporting negative loan information on my Experian credit report. I have repeatedly filed disputes with Experian and they keep telling me they have verified that this mortgage loan is mine. I 've even asked XXXX to show me the loan origination papers that I signed if this is my loan, but I have not received any response from them. I have tried to file another dispute with Experian, but I 'm told I can not fie another dispute, since I have previously filed a dispute in the past with them. I asked them why, and their response was : I could file another dispute, if I had additional documentation. Well, I do n't have additional documentation because there 's not any additional documentation to provide ... .It 's simply not my loan! Please contact Experian and advise them to delete this negative information off of my Experian credit report. The account in question is showing on my Experian credit report as : XXXX XXXX XXXX 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 07/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address listed on my credit report that I never lived at. The address is:XXXX XXXX XXXX XXXX. XXXX, IN XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/22/2017 about Debt collection (Other debt) with Experian Information Solutions Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: The matter is in reference to a XXXX XXXX XXXX ( XXXX ) utility account I held from XX/XX/XXXX XX/XX/XXXX. The account 's final bill was reported to XXXX XXXX XXXX as not being paid. I have attempted ( three times ) to resolve this issue directly with XXXX, yet have received no response from them. While the XXXX electric utility account was in my name, payments were handled by a third party ( a roommate ) who failed/overlooked closing out the final XX/XX/XXXX bill. In XXXX, when the final bill was past due, I did not receive any email, mail or phone notification from XXXX that there was a past due balance. ( XXXX had all of my contact info. ) Therefore, I did not have a reasonable opportunity to fulfill the obligation and make final payment before the account was reported to XXXX XXXX XXXX. In XX/XX/XXXX, I learned of the collection and immediately paid the account in full to clear the balance of {$240.00}. The collection account now shows as " closed '' with a zero balance on my Experian report. Considering the facts of this matter, I am asking Experian to remove the closed/paid XXXX XXXX XXXX account from my credit bureau 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 05-04-2015 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2015, at XXXX I was in line at the City Bank branch located atXXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. 

I was in line for XXXX minutes waiting to pay my City Bank Credit card, when I was approached by Branch Manager Vice President XXXX XXXX. XXXX XXXX XXXX demanded I give up my turn in line too XXXX customers who were not in my line. I explained to XXXX XXXX I had been waiting in line for XXXX minutes and I needed to get back to work ASAP. XXXX XXXX stated to me that I did not have an account with City Bank and needed to let the others customers go before me. 

I stated to XXXX XXXX, I did have a City Bank account which is my City Bank credit card and Icould pay my City Bank Credit card at any City Bank Branch if I desired. XXXX XXXX started yelling at me to get out of her Bank, because I did not have a City Bank account. I stated to XXXX XXXX I was a City Bank customer and I had the right to be in this branch to pay my credit card bill. 

XXXX XXXX became belligerent and threatening towards me because I would not give up my place in line too XXXX XXXX customers. XXXX XXXX shows favoritism to XXXX customers over XXXX customers. XXXX XXXX clearly intentionally discriminated against me, because I am XXXX, by demanding I give up my space in line and to get out of her branch, because I did not have a City Bank account, which is False.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Debt collection (Credit card) with Data and Contact Management Solutions, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My husband died on XXXX/XXXX/16. He does not have an estate. There are no funds to pay the debts. I notified all of his creditors. XXXX has continued to send bills, text messages & unlike other creditors ( XXXX, etc. ) has n't sent any letters. However, I have received calls from DCM Services which does not provide information about the debt, etc. I have told them twice that there is no estate, that I want them to stop calling me & asked the name of the creditor. Both times, they hung up the phone but continue to call asking to speak with someone handling my husband 's estate, but again fail to advise on who 's behalf they are calling. This is harassing and I find it reprehensible. I need this to stop asap. NOTE THAT I AM PROVIDING MY HUSBAND 'S social security number as they are trying to reach his estate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have been trying since XX/XX/2017 to contact XXXX XXXX XXXX XXXX to take care of a collections account for a payday loan I got with XXXX XXXX. The phone number on the credit report is listed as XXXX. When I called that number, it was a scam that claimed to be XXXX XXXX that said they would take my credit card after I agreed to receive a {$100.00} gift card. They said they were going take $ XXXX/month something, I still don't understand. I felt something was wrong, so I decided not to make any of those payments. I tried the number again recently and they tried to give me a free cruise and said they were XXXX XXXX. When I turned down the free cruise, they hung up on me. 

I tried again today using the number above ( which is showing on my XXXX and TransUnion credit report ) and after it was suggested that I put a '1 ' in front of the phone number above, I did, and I got through to XXXX   XXXX. Because it has taken me so long to finally get in contact with this debt collector, my balance has increased and I haven't been able to address it. This has prevented me from paying this in a timely manner, which is a barrier to being able to get housing.

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 06/23/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (MA).
Issue: Other transaction problem

Complaint: XXXX, a market exchange for crypto currencies, recently had some sort of system failure or margin call that resulted in frozen trades for many users and the plummet of the Ethereum ( ETH ) market from a value of over 300 USD to roughly XXXX USD in the span of a few minutes, which likely allowed some users to buy in many ETH at a low price. This cryptocurrency then rose back to price as users regained the ability to make trades to over 300 USD. <P/>I held a value of about XXXX USD worth of ETH at the time I lost the ability to make a trade, and ETH was valued at ~ XXXX USD. Then at {$350.00} I wanted to trade my XXXX ETH at {$350.00} but was unable to and was given the error message ( 'Enter a valid value ' ) despite entering a valid value. This error persisted for next 12 hours as the value of ETH dropped to below 320 USD. <P/>After trying my hand at this and giving up on trading with my laptop, out of frustration I attempted to sell my ETH on my phone. This involved the headache of authentication and setting up XXXX with XXXX  XXXX. After accessing the site through my phone, I was able to finally make a trade! The problem here was that the market orders updated too slowly on my phone and the realtime data was offline. I ended up selling at a value my XXXX ETH at a value of XXXX USD when the price was just recovering from this mysterious drop to almost being free. XXXX USD! At the amount of USD I had initially, that 's XXXX ETH! This price shot back up to over 300 USD within minutes. If I were the scammer who dropped the market at a vulnerable time for XXXX, that would put me at XXXX XXXX dollars for XXXX ETH at XXXX USD! <P/>I believe many people are upset about this issue. Many people were unable to trade/cancel posted orders/interact with the site. Please ask me for more information/clarification if that 'll help to resolve this issue.

Company response to consumer: Closed with explanation