milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/17/2017 about Credit reporting () with FIRST ADVANTAGE CORPORATION (NC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: First Advantage is reporting incorrect data. They provided my would be employer, XXXX medical, with incorrect data that has caused me to receive possible adverse action on my employment application. 

The record is about me, but was later removed from public records ( for example, the case was dismissed after probation, expunged, sealed or made nonpublic or I received a pardon ). 

Letter from XXXX : Date : XX/XX/XXXX, 2017 Dear Associate : The Company intends to take an adverse action on your employment status based on information obtained in whole or in part from a Consumer Report. However, the Company 's intent to do so is only preliminary and no final decision has been made yet. 

Enclosed is a copy of the Consumer Report and a copy of your rights under the Federal Fair Credit Reporting Act and relevant state laws. 

The Company obtained the Consumer Report from First Advantage. First Advantage did not make any decision to take the tentative adverse action and is unable to provide you with specific reasons as to why the Company may choose to take an adverse employment action. You may, upon providing proper identification, request a free copy of the Consumer Report and may dispute with Vendor Name the accuracy or completeness of any information in a Consumer Report. Their contact information is First Advantage XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX We will evaluate the information in your report on an individualized case-by-case basis in accordance with the law. You have seven ( 7 ) calendar days to contact First Advantage at the telephone number shown above to provide evidence of the inaccuracy of the information provided. If you believe that there is information that may help to better evaluate your fitness for this position, please contact us immediately. If we do not hear from you within 7 calendar days, we will make our determination based on the information currently available to us. 

Sincerely, XXXX Representative Enclosures : Background Report Attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: It was 2 glitches with Trans Union and account was taken off the re added without me being notified. This is illegal

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 09-09-2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: My deceased father had a mortgage with the servicer Ocwen. I am selling the home and when I requested a payoff, I was told that it was {$100000.00}. The purchase price of the house in 1978 was only {$100000.00}. Although my father refinanced the home, I believe that Ocwen has greatly inflated the payoff amount for the home. Will you please look into the payoff for me and make sure that Ocwen is asking for the correct amount. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Credit card) with Alliance Data Card Services (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Commenity bank will not stop calling day after day about 6 times a day. When I do n't answer them, they start calling from a private number, when I ask who is calling, they will not tell me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/20/2017 about Debt collection (Credit card debt) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX collection XXXX XXXX, 2015 {$220.00} disputed over the phone and mailed in information

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 08/20/2016 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Since XXXX I have been dealing with citimortgage on modifying my mortgage through a program named naca. Since the time this has the company that citi was originally dealt with has lost my paperwork, changed representatives, and made me start the process over multiple times and asking for the same paperwork over and over that already existed within their system. I have suffered illness in the process and still was able to show income, promoted to a new job and salary and still declined. I was advised not to send a payment to citi at the time this all begun as I was told that they would decline the payment until the modification has been approved. Here I am now 6 years later, and citi wants a reinstatement payment of {$80000.00} or my house goes up for sale XXXX XXXX, XXXX. I have been given the run around from citi in more than one way and have been through the steps providing them with everything they have asked. I have emails from XX/XX/XXXX with my contact with all representatives, and the citi rep say she sees in her system that I have been trying to have a modification done since XX/XX/XXXX. With every decline my amount down goes up and the ability to start paying declined. Now they want {$80000.00}. I am a working father, married with XX/XX/XXXX kids and they are forcing me out of my home. I have saved money through all of my hardships and even while having my check garnished and tax returns taken I still have money to cover our mortgage payments for a entire year without touching my biweekly check. Somewhere something was n't done to help us, but through continuous restarting, re-requesting the same paperwork, and changing representatives we have gotten the raw end of this deal and will not become another foreclosure statistic.

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 09/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Application processing delay

Complaint: I APPLIED FOR A CREDIT CARD ON OR AROUND XX/XX/2016. I WAS TOLD I WAS APPROVED FOR A CREDIT CARD AND WOULD MUCH LIKE TO DO BUSINESS WITH THIS COMPANY. I HAVE CONTACTED THE COMPANY DIRECTLY AND VERIFIED MY IDENTITY, DUE TO AN ALERT ON MY CREDIT. AS OF XX/XX/2016, I HAVE HAD THE ALERT REMOVED FROM MY CREDIT FILES, TO AVOID ANY HINDERING OF THE APPROVAL OF MY CREDIT CARD APPLICATIONS. I HAVE TRIED CONTACTING THE COMPANY AGAIN OVER THE PHONE, BUT TO NO AVAIL. MY CREDIT SCORE RANGES BETWEEN XXXX AND ABOVE. ONCE AGAIN I HAVE PROVIDED MY PERSONAL INFORMATION, INCLUDING NAME, SS #, DOB, AND ADDRESS, TO THE COMPANY VIA PHONE.

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 12-07-2016 about Debt collection (Credit card) with FRIC HOLDING CORPORATION (AZ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was granted by a XXXX Bank a credit card sometime in year XXXX. With a covered protection plan. However, During the same year I lost my job due to XXXX at work and got layed-off. I informed the XXXX Bank of my situations and asked them to apply my protection plan. Then, I never heard from them. And on XXXX I received a summoned to appear in court and I found out that my account was sold out to First Resolution investment. It was Handled by XXXX XXXX with postal address at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX. I was n't able to attend the hearing XXXX as the result of the XXXX. And was n't able to review the material facts as a result. Worse, I only have XXXX and the right totally XXXX. And XXXX was advisable for me anymore. Except XXXX w/o a guaranteed result and I ca n't afford. I learned from some that my account might already run-out of status from the last time I made a payment to the XXXX Bank. And the said bank was sued for the same reasons for defrauding their customer with the added Protection plan by the Court in the State of California in year XXXX. In which I was not aware until I found out in the internet recently. Atty. XXXX XXXX had garnished my salary and took 25 % of it in XXXX to XXXX until I was layed-off. Collecting more or less {$2000.00} USD from my employer XXXX XXXX. Now, I am XXXX with progressing XXXX is getting bad. But, Atty. XXXX XXXX want me to pay them {$10000.00} after taking more or less {$2000.00} from my pay. The First Resolution Investment never gave me any last statement from the XXXX Bank. I am appealing for your Good office to help me with my situation. By getting the Information from the New account holder. As the First Resolution investment no longer exist. But, a new Debt collection took over all the files from the Debt Buyer who bought my account from the XXXX bank. Atty. XXXX XXXX never inform me that the First resolution Investment was already dissolved and he is still representing the First Resolution investment to enforce the collection of debt. By adding more attorneys fee 's ETC to balloon my balance of debt. Even those New credit cards are giving their new customers Interest free for XXXX months. I am unemployed with a XXXX children too. I hope your good office will help me shed light the matter. This an old debt and the status of limitation was overlooked. and all the statement from the XXXX bank will proved that they have been taking monthly payment for Protection plan from me. the reason the California Supreme Court had slap a XXXX millions fine at the XXXX Bank. And I was one of the victim. Hoping to hear from your good office sooner or later.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX, I mailed to XXXX via USPS certified mail, a letter and other related documents regarding they open an investigation on my credit report. The documents consisted request for validation of Accounts XXXX XXXX # XXXX and XXXX and notification of identity theft accounts XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX # XXXX. The identity theft report also included inquiries. 

The documents were delivered to XXXX on XXXX XXXX, 2017, in XXXX TX. 

To date, I have not received any information related to the above information and report.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: continued calls from XXXX XXXX financial seeking a person that does not live here, i called back 4 times to ask that my phone number be removed from caller list they said it would be removed but it has not and i keep getting calls. the calls are on my caller id and phone bills. please make them stop. thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I need assistance with a modification on my loan - this is really not a complaint but since I have needed assistance in the past I have had this loan for I believe 15 years I have had things come up but prior to the flood I was finally doing great. My son was XXXX in XXXX of 2015 and the driver did not have insurance that put a financial struggle for a month or two but everything was getting caught up till the flood in XXXX which was declared a natural disaster. PNC has worked with me when my wife lost her mother and her job and I am begging please just help me. I am in a better financial situation and if I can just get a modification I will pay more so I can get this loan paid off

Company response to consumer: Closed
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Midland Credit Management based out of XXXX XXXX, CA. called me today attempting to collect a debt that was charged off in 2008 from XXXX XXXX. I understand that the statute of limitations is 4 years which XXXX XXXX of Midland Credit acknowledged they were, in fact, attempting to do.
He did offer to take me off the contact list but here is my concern. If the law states that they are not to make an attempt to collect the debt, who else are they calling beyond the statute of limitations that are unaware of this?
As a victim of the banking industry fall out, I was laid off, lost my home due to foreclosure as once I did obtain work I did not qualify for a reorganization of my loan as I was not upside down and retained equity on the property, hence the foreclosure which the bank was able to recover the entire balance of my loan. The years to credit recovery are long and I have not yet fully recovered and my situation I can say is likely better than most. Who else are the credit agencies contacting? This is a normal practice for them and citizens should be protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (IL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I have had a  XXXX  rewards card with Fidelity  XXXX  for over 10 years. In  XXXX  of  XXXX  Fidelity (  Elan   ) m oved to a new servicer. When this change was made they capped my rewards without adequate notice. As a result, I did not earn rewards for the first  four  months of  XXXX . When I noticed this and called in they said all I had to do to remove the cap was to was to ask for it. There was not change to my account number. However, they would not credit me with the rewards I would have earned.

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 07/21/2015 about Mortgage (FHA mortgage) with FIRST GUARANTY MORTGAGE CORP (NY).
Issue: Settlement process and costs

Complaint: I have been working with my mortgage company First Guarantee Mortgage ( FGMC ) since I applied for the loan XX/XX/XXXX. I was approved for a XXXX close FHA construction loan XX/XX/XXXX and still have yet to receive the final draw on the loan. I have been reaching out very regularly to the company and struggling each and every time. XXXX XXXX the draw administrator refuses to answer my phone calls and I lave her voicemails and she just emails me back when I just need to talk to someone. For over two weeks now I have been working with them to initiate the final draw. They will not provide me information on how to secure an exterior door that we will not be using in order to make it acceptable for the FHA loan. No one will put in writing for me that I will not lose my interest rate that I have been verbally told will not be lost due to this delay. I have had to initiate all contact with the company and no one follows up with me unless I call and get upset.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2018 about Money transfer, virtual currency, or money service (International money transfer) with Coinbase, Inc. ().
Issue: Money was not available when promised

Complaint: The XX/XX/XXXX I initiated a SEPA transfer of XXXX euro to my XXXX bank account. The same evening the transfer was marked as completed and I got a e-mail that I would see the money on my account the XX/XX/XXXX. 
Until this day I have not seen my money and all attempts to contact CoinBase has failed. 

It seems that I 'm not the only one who have n't received the money from the XX/XX/XXXX. And it 's unacceptable to not give your clients any information whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/2017 I contacted XXXX concerning a new service. I was told that I owed on an old account from another city from a couple years back. They said that it was no record showing I turned the box in. I turned it in when I shut the service off. So I was told that I owed XXXX. No collection agency or no calls prior to this had been made to me and I did not receive any notices to my current address prior to my calling. I paid XXXX on XXXX and I paid the remaining balance of XXXX on XXXX. I have my bank statement to prove these transactions. I recently checked my credit reports and I found a collection agency on my report by the name of ENHANCED RECOVERY COMPANY representing XXXX. It was reported to them by XXXX on XXXX. I do n't understand what is going on with XXXX. I paid this debt in full and it is saying I owe {$88.00} for what? I believe that these charges are fabricated to get more money from me and to ruin my credit even more. I do not currently have an open account with XXXX. Please help me. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/16/2015 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (NY).
Issue: Deposits and withdrawals

Complaint: M & T bank put a hold on a bank to bank transfer for {$9000.00} and are holding my money in limbo for almost three weeks. I have call to release the funds or transfer back. No response from them on calls and messages. No explaination. They sent me a form again with no explaination. I need funds.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: i disputed inquiries that were not made by me however i have not heard back from them

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 12/16/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was notified from my father that a notification that a civil suit was filed against me and the letter was placed on his door. I no longer lived in XXXX and lived in XXXX, I called the XXXX County small claims court on XXXX/XXXX/XXXX with the case number provided by my father to inquire about the suit and learned that it was filed by XXXX XXXX XXXX for a debt. In informed them that I was no longer a resident there and lived in XXXX, Indiana. They informed me they would let the filer of the suit know. 

I then ran my credit report to get the contact information from the XXXX XXXX and called the debt agency around he date of XXXX/XXXX/XXXX to attempt to resolve the issue. There were 2 debts listed. They informed me that they could not speak with me about the debt and I would have to contact Attorney Office XXXX XXXX XXXX who was handling both debt accounts. I contacted XXXX XXXX XXXX and had to wait until the account owner contacted me back to attempt to resolve the issue. The account holder contacted me and was extremely hostile stating the implications of not paying this debt. He stated that if I allowed this to go to court I will likely have to pay the current owed balance along with interest and penalties. Being that I was trying to resolve this issue, the threats did not make communication easy. 

I had not received a statement from the original debt owner nor had I received any communications from them in over a year so I was unaware of the balance they determined I owed. I asked him if he could mail me copies of what was determined that I owed and that they would be forwarded to my new address. I never received those copies of the statements. I received a notification from my credit reporting agency that the 2 accounts were being disputed. I had not filed a dispute on these accounts so it was a surprise to me.

My father contacted me to inform me that a Sheriff came by to serve a me with paper for again but I had already informed XXXX XXXX XXXX as well as the county court office that I no longer resided there. 

I attempted again to contain Midland to negotiate a settlement and was told again that they could not talk to me about the debt. Communications with XXXX XXXX XXXX are not possible after the hostile interaction. I have no documents related to this debt so I can not validate what it is saying I owe. 

I looked into both suit fillings today and both were DISMISSED without prejudice because I have moved. Dates of dismissal XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: On Equifax I 'm showing XXXX hard hits to my credit rating. Why are inquiries that are over 2 years old still showing? XXXX XXXX has removed the XXXX oldest. 

Why is Equifax still showing a judgement that was satisfied a number of years ago still on their report, but, has been removed by XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (IL).
Issue: Application, originator, mortgage broker

Complaint: I never gave authorization for an adjustable rate mortgage. Never even signed any documentation for it. My loan provider, which is now XXXX, confirmed that I have an A.R.M. I was told by an XXXX agent, that i may have been a victim of predatory lending and that if i did not sign any documentation for an A.R.M., than documents could have been falsified.

Company response to consumer: Closed with explanation