milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar hired XXXX XXXX XXXX to forcibly enter our investment property and removed everything ( {$8100.00} ) and destroyed our yard with roundup and cut all our trees. Even though the log in sheet, left on kitchen counter, stated winterizing, they took items we used to winterize the house. When NS was originally asked about the break in, they stated that we were in good standing and they did n't order an inspection. It was n't until I found out it was XXXX employee who removed everything and they had a work order from NS to perform these debri removal did NS tell me that no one was suppose to go into the house, only take pictures of the outside. The police investigation concluded that it was XXXX employees who took everything. They had a XXXX page inspection report and paid by NS. XXXX turned the issue over to their claims office. Nationstar now refutes all allegations of illegally entering the property because they hold the deed of trust and they determined the house was abandoned and unoccupied. There is NO way to tell from the outside no one was living there. We had spent 80 hours cleaning, staging and repairing this house after having to get court order to evict the tenants. The power was on. The a/c was on. There were lights on. A realtor had just left the house with in the hour. The security guards were never asked about the status of the house. AND our primary house mortgage is also with Nationstar. We received a letter from Nationstar on XXXX/XXXX/16 stating that if payment for XXXX 2016 and XXXX 2016 was n't paid by XXXX XXXX, 2016 foreclosure proceedings would XXXX. Payment in full was sent on XXXX/XXXX/16. NS received it on XXXX XXXX, 2016. The break in by XXXX was XXXX XXXX, 2016. 
Nationstar Mortgage mistakenly issued this work order two weeks too early. We feel they are using bully tactics on us little people so they do not have to admit wrong doing or repay us for damages. We 've just survived the XXXX 10 days ago and just do n't have the time or money to make Nationstar do the right thing. All we 're asking is to be where we were before Nationstar illegally removed our property from our house. We had to follow the law to get the tenants to vacate the property. Nationstar is no different. They 're not above the law. Any assistance in this matter would be much appreciated. 
Please adviseXXXX property address XXXX XXXX XXXX XXXX XXXX, TN XXXX Loan # XXXX Nationstar reference number XXXX Recap Nationstar first said it was n't them that ordered the removal of our property. 
XXXX. Then stated Assurants was just suppose to take pictures of outside XXXXRefuses to provide us a copy of the XXXX page inspection report so we know what was done to our house. 
XXXX. Police investigation determined that Nationstar did order the removal of our personal belongings. 
XXXX. Now refuses to repay us for damaged accured do to their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Bank of America after receiving a promotional offer. The offer was to give me XXXX Alaska Airline miles for opening an account and making XXXX direct deposits within a certain time frame. I completed the requirements within the specified timeframe and called twice to confirm with supervisors that I met the requirements before the promotional period ended. The supervisors confirmed I met the requirement on XXXX separate occasions. 
It has been approximately 7 months since I met the requirements and I have not received the miles. When I call BoA they keep transferring me and I do not get an answer. On XXXX occasion a person told me my deposits did not qualify but I told that person I was told twice already they did. The person said he would forward my request to the promotions dept but I never heard from them. 
To be told after the promotional period they deposits did not qualify leave me no recourse to rectify. I opened in good faith the account and did all I could to meet the requirements and verify I met during the promotional period. The result of what I got was long delays in responses, no solid answers, and no miles.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-05-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Transunion will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/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 non-monetary relief
Consumer complaint received 02/20/2017 about Debt collection (Auto) with SRA Associates, Inc. (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX XXXX, the supervisor at SRA Associates threatened me directly in regards to my auto loan. I have been fighting this with XXXX, but agreed to pay $ XXXX/mo in the meanwhile. XXXX would not accept the payment and proceeded to tell me multiple times in the call " you will see what XXXX is capable of doing to you '', making me feel threatened, vulnerable and extremely uncomfortable. He brought up legal action- whereas they are NOT a law firm but a collection agency.

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 12/28/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (WA).
Issue: Money was not available when promised

Complaint: I wire transferred {$2600.00} ( + {$25.00} banking fee ) on XXXX XXXX at XXXX XXXX PST from Coinbase to XXXX XXXX and it still has not arrived a month later. I have emailed their various customer support emails, called their bank, and called Coinbase. I called Coinbase three different times, I was on extended hold, and then they hung up on me. I reached out to them multiple times through XXXX also. 

Coinbase has failed me as a customer and I 'm seeking Government help to find my money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Three state tax liens are showing on my credit reports for all 3 CRAs, ALL three CRAs are reporting different information for all 3 State Tax Liens. None of the reported liens are mine. I have disputed these items with Equifax on 3 separate occasions and they continue to report the liens have been verified by  XXXX XXXX. Each time they are verified, but the information reported changes. As i have recently been a victim of credit fraud i have frozen my credit reports with the following companies : XXXX XXXX XX-XX-17 XXXX X-X-17 XXXX XXXX XXXX X-X-17 XXXX X-XX-17 Along with 10 others. 

In addition, I have written to the counties and received written information stating the The State of SC does not report Public Records to ANYONE. Therefore reporting such information as fact, on my personal credit report is illegal as per FCRA. 

And Finally the Liens do not meet the new reporting guidelines ( FCRA ) as they do not contain SSN or birthdate. So I would like it removed from EQUIFAX. 
SEE ATTACHED DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I had deposited a {$10000.00} check into the account. So I had money in my account, the Bank of America put a hold on it. I had out that money in the account for bills that were coming out in the next few days. Those bills hit like normal and it put my account in overdraft because their hold on MY money. I deposited the money days before the bills were withdrawn. They charged me for two overdraft charges of {$35.00} each. If I have money in my account that would easily cover the amount of the bills, they should not charge me overdraft fees when it is their fault they were holding MY money. Im looking for a return of my {$70.00}.

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 05/26/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (OH).
Issue: Trouble during payment process

Complaint: On   XXXX   XXXX   I notified  U.S.  Bank regarding a change in my insurance coverage. After a very unpleasant conversation with her, she was very rude ... and hung up on me. I called back supposedly spoke to a Supervisor who assured me the information was in the system even read back to me the name and date due of the new policy. I filed a complaint against the person who originally hung up on me, that was filtered and I was told would need to provide more information through a signed in account with them which I was NOT willing to do. Fast forward to today, a month later, I got an email stating my insurance was never paid and past due. So I called back and I was very upset, because I had already notified them a month prior and now I was on the verge of being unprotected and and at potential risk. I received the same rude customer service I had received prior so apparently this is a pattern with them and the same run around from the person on the phone claiming they did n't know, they never knew, never notified, never received a bill, etc. etc. Funny thing is I had called and talked to the insurance company prior to and they stated they sent  2 invoices one  original and  one  past due. Now I needed to AGAIN do their work for them while the whole time they hold my monies for these types of payments. When I asked for the monies to be stopped and I would just pay myself the person laughed and said I do n't have that authority because of the " type '' of loan I have. He also stated that they would only make one payment per year and this is why it was n't paid????

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
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 provided proof from the creditor. Experian has no attempt by me mailing it to them 2 times nor uploading the documents on here. 
I have also file with the FTC and seeking legal advice to see how to file a law suit on Experian. 
Experian does nothing but play games and collect wrong information and can never back up or prove what 's on the report. Experian can not provide me nothing documented from the creditor. I need proof as I have from them to correct the issue or delete the account. 

I need proof showing a written off amount of {$410.00} as stated by Experian for XXXX 's I have also mailed for the 3 RD time from the creditor as {$0.00} owed

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 11-10-2016 about Debt collection (Payday loan) with Halsted Financial Services, LLC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We used payday loan service XXXX years ago and paid off our remaining debt. Halsted financial services has called us XXXX yr later saying that we owe them money. We do n't owe them money or have we used payday loans for XXXX yr

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XX/XX/XXXX I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, Oklahoma and my vehicle was financed through a financial institution that I can not remember. In XX/XX/XXXX I got a letter that my vehicle loan had been purchased by XXXX and that 's when the problems started with XXXX. If I was late with payments, XXXX called endlessly, day and night starting the day the payment was due until it was paid. They actually had my car repossessed twice based on mistakes they made in their accounting department! The XXXX blew a head gasket in XX/XX/XXXX and it was parked not running, but I kept making payments on it and carrying full coverage insurance. Finally at the end of XX/XX/XXXX I had paid a {$15000.00} loan down to about {$2500.00} so I sent a personal check to XXXX to just pay off the balance in XX/XX/XXXX for the full amount. I waited and waited to get my title in the mail, finally after about 90 days, I got my check returned to me with a letter stating they needed a cashier 's check not a personal check. So at that point I just said forget it, they can have the car, it was n't running anyway. XXXX wrote off the remainder of the loan in XX/XX/XXXX as bad debt, BUT they keep reporting it every month on my credit report to make it look like an active account. At this rate it will never drop off my credit report and it is dragging my credit down. This is not fair for them to keep reporting it every month to keep it active on my credit report and I want them to stop doing it and report it accurately as written off in XX/XX/XXXX and let it go once and for all. To continuously punish me for their inconsideration and bad debt collection practices is more than unfair. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I think someone in family used my identity to create this false account.. I have no knowledge of this account and, or agreement..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 06-03-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech made several mistakes on my account in the month of XXXX, including extorting an extra payment because they were refusing to cash a check. As soon as they received the extra payment, they cashed the check, essentially getting a double payment. They credited the XXXX payment towards principle. I can not afford to make principle payments at this time, so I asked for a refund of the principle payment. I was told by customer service that it would be done and it still has n't.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: XX/XX/XXXX send a dispute letter to Experian to provide asking to provide copy of original contract with my signature to proof the validation of fee accounts in my credit report but their answer to me was the account is " verified '' but never sent back to me ant documejt with my signature in a clear violation of the FCRA. If they cant provide proof of the information this contracts the accounts must be deleted. 
Back in XX/XX/XXXX send back a second letter asking for verification and theur answer is they wull not re-investigate but never provide physical evidence of any contract so they must delete those accounta from my credit report without asking me to provide relevant information to them to re-investigate if they are not able to provide what is requested in the federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Other debt) with First Advantage LNS Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX reported this debt to NCAC XX/XX/XXXX- they keep saying that the debt is verified but it is not. First of all i did not stay in XXXX XXXX XX/XX/XXXX but, they are charging me rent for that month XXXX. They are stating in all I owe them XXXX and I do not. This man at this agency is very rude and he had no intention on finding out the truth. He just wants the money he is a local collector and he is a fraud. Last time I spoke to him he yelled and scream - I started back communicating with the company XX/XX/XXXX. I sent receipts, he stated that they receipts were already applied. That is not true and to be honest I do not think they checked. Its beneficial for him to get the money not to help the consumer. He was willing to settle for half but not willing to do the research.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Debt collection (Mortgage debt) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Rushmore Loan Management is trying to collect on a debt that is n't theirs to collect and it also does n't exist. Rushmore Loan Management has that my mortgage is one month behind due to not paying a payment to XXXX XXXX XXXX in XX/XX/XXXX. 

Please note, Rushmore began servicing of the loan as of XX/XX/XXXX. They are trying to collect a debt that is n't owed because XXXX XXXX XXXX made an adjustment to the loan due to a mortgage modification. 

Rushmore also has an incorrect loan balance from the beginning of the loan. If anything, they owe me money. I 'm attaching the loan transfer information. It has the proof of date that Rushmore began servicing loan. I 'm also attaching XXXX XXXX XXXX 's final statement, dated for XX/XX/XXXX payment. It shows a final principle balance of {$100000.00} ( I circled it ). The statement does not show any late payments. It actually shows " unapplied funds '' which Rushmore does n't show on their records.
Rushmore shows in there records of a beginning balance of {$100000.00}, I circled that too. The unapplied funds which Rushmore does n't show on my account is {$490.00} which was actually sitting on account prior to filing a bankruptcy. It should actually be applied to the principle on my loan cause technically I 'm out of Bankruptcy now. This unapplied funds can easily be viewed on the XXXX  XXXX XXXX final statement. You can also note my final payment to XXXX XXXX XXXX which was applied XX/XX/XXXX. There are no missing payments reflected on the statement. 

Rushmore is in violation of the Fair Credit Reporting act on trying to fraudulently collect a debt, putting my loan in a false default and I think their in violation of insurance fraud because I think they have fraudulently collected on mortgage DEFAULT insurance. I 've tried to correct this so many times with Rushmore by even reconciling their statements for them. 

I want my loan taken out of default. They should also be assessed each individual {$1000.00} for each occurrence for violation of the Fair Credit Reporting act and they should be investigated by the appropriate agency regarding mortgage loan servicing fraud. 
Please see the attachments. Please also note, I circled all the payments made to Rushmore that are noted in their own records. You will see, I have n't missed a payment. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hospital is reporting collection on my credit report. I have disputed and investigation has only said verified. I have never received a bill, phone call, or inquire from the hospital concerning this bill. The date of service is reported as XX/XX/2013 but I did not have service at this hospital on this date. I requested proof of debt in my dispute and it was never provided. It continues to show on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Recovery One, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt. I attempt to request for contract or any legal documents showing proof. No documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Incorrect information on credit report : Account status ( paid bill on time, account closed, etc. ) No proper investigations took place, despite requests for them dating to 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Earlier in the year, addressee, XXXX XXXX aka XXXX XXXX, applied for XXXX ; upon approval many loans were discharged. Addressee, noticed that Navient possessed a few XXXX loans, which were not discharged. Addressee, XXXX XXXX aka XXXX XXXX, called Navient and requested to know why the loans were not discharged, and a respresentative from Navient stated that it was due to name differences. Addressee, XXXX XXXX aka XXXX XXXX, then went about to gather the necessary information to encourage and quick and speedly discourage, a Navient representative informed the addressee of the receipt of information, which the addressee has via email and other information. The addressee, that Navient has not discharged the loans in question. Addressee XXXX XXXX aka XXXX XXXX, is asking Naviet why the loans have n't been dischanged, to sent the addressee the origin of the loans and to expand why the loans, the year of which, is currently under federal question?

Company response to consumer: Closed with explanation